davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have submitted several letters to Equifax credit bureau disputing this Account with ( XXXX XXXX ) as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) Equifax has failed to present me with proper documents that show their method of verification. Equifax has also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. XXXX & XXXX DELETED THIS ACCOUNT FROM MY CREDIT REPORT FOR REPORTING INACCURATE, UNVERIFIABLE INFORMATION. THIS ACCOUNT NUMBER was ALSO INCOMPLETELY REPORTING FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All were reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
EMPLOYER : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I was preparing to sell my vehicle and discovered Hyundai Motor Finance placed a lien on my vehicle when I never took a loan out with them. I purchased the vehicle in XXXX in cash, and found out that the dealership listed Hyundai Motor Finance as the lien holder. I purchased the car in cash. I never took out a loan or lien. I have tried contacting Hyundai Motor Finance and the dealership XXXX XXXX XXXX multiple times since XX/XX/XXXX to have the lien released. No one has been able to get the lien released. I have faxed over proof of sale and the title application that shows Hyundai Motor Finance as the lien-holder. They all agree there should not be lien, and that there is no loan, and that this was a mistake. I have contacted the Wisconsin DOT and they explained that because the state uses electronic titles, this should be quick to resolve. I can not sell my car without the title and need the lien released and the title sent to my address. I am also having to pay for the car to be insured and registered when I do n't drive it and am trying to sell it.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2017 NOT PROVIDED Date Updated : XX/XX/2017
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (WI)

At approximately XXXX ( central time ) on XX/XX/XXXX I received about XXXX emails in a XXXX minute time period for things I had never subscribed to. I also received a emails from my phone carrier ( XXXX  ) about changes on my account that I did not make. I called XXXX to discuss this and someone had in fact changed what phone was linked into my account. My phone had become unusable except for on wifi, so I was calling on my wifes phone. They helped me switch everything back. 

I also received an email from XXXX XXXX XXXX XXXX about a new inquiry on my credit report with XXXX XXXX. The inquirer is listed as Barclays Bank Delaware and it occurred around the same time on the evening of XX/XX/XXXX. I did not initiate this inquiry. 

I have since changed some passwords to my accounts, froze my credit with the XXXX major bureaus, and opened a credit karma account to assist with monitoring. 
At this point, I have not had any money taken from any of my accounts, there are no unrecognized charges to my credit cards, and I do not notice any new debt/loans opened. I do also have a screenshot from my Spectrum app that I have international data being used in the XXXX XXXX, which I have never been to.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

XXXX XXXX, XXXXXXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSERVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSERVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX SEC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OH)

I had a credit card through XXXX at XXXX bank. I had {$350.00} total rewards balance. XXXX switched from XXXX to Barley. I went to pay my last bill at XXXX ( in which the charges were made with the XXXX card. My balance was XXXX at the bank. I came home and had a bill in the mail from Barclay for the same amount. I crossed off the name on the check that had XXXX as the payee and put Barclay and sent in the payment. The first bill was sent late, I immediately sent the payment and I was still billed a late fee of {$29.00} and another fee of XXXX cents, that was XXXX bill. I received another bill with charges on it and paid it, and now keep getting late fees added on since I refuse to pay the late fee. The total from XXXX statement is about {$310.00}, these are all from the original late fee. I've tried calling them I didn't sign up for an account with them & wanted copies of everything I signed. I didn't give them permission to take my rewards ( with XXXX, that was {$350.00} ) and now it is at XXXX. They even tried getting my routing and account number to my bank. It can't be my account since I never signed for it. They have deactivated my account and my rewards are gone. I then called XXXX and got hung up when I told her they stoled my rewards.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX FL XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to reach the right channels to resolve the errors on my credit report, but so far, I havent had any success. Its been extremely frustrating and stressful, leaving me up at night worrying about my financial future, as these inaccuracies are unfairly affecting my credit score and blocking my credit applications from being approved.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

Account number XXXX Information on this account is incorrect. Due to an unforceen Technical difficulty with my autopay I missed a payment in XX/XX/XXXX. I was unaware payment was not recieved because I was not notified. I continued to make on time payments for the next year unaware that every payment I was making was being counted as late because I was paying the previouse months past due amount unaware to myself. I was making my normal payments till I received a letter from a XXXX XXXX XXXX which is a collections agency informing me they are trying to collect a debt. I was not notified by lightstream that my account was even past due. Once contacted by the law firm in XX/XX/XXXX I immediately payed the amount of {$13000.00} to resolve the issue. I have yet to receive any answers to my question from light stream or from truist bank. I initially tried to resolve this issue directly with the lightstream and pay the full amount to resolve this but was turned down.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX XXXX  charge off # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX service # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} # XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (OK)

XXXX contacted me XX/XX/XXXX stating that they were consumer location services and gave me a claim number of XXXX and told me to call XXXX regarding the claim. The representative told me that there was a warrant for my arrest out of XXXX XXXXXXXX XXXX I called the XXXX and gave the woman " XXXX '' the claim number, but she refused to tell me what this was regarding, told me that I'd be going to jail and good luck, then hung up on me. I called back and got someone different and she advised me that this was regarding a {$200.00} pay day loan from XXXX from Check n Go. She told me that I was being charged with Breach of Contract by failing to pay for the loan, defaulting on a loan agreement, and defrauding a financial institution because my bank account closed. I went through XXXX XXXX and lost my job as well as had my bank account go into the XXXX XXXX because of the XXXX  that occurred. My ex was writing bad checks online using my information. She wouldn't listen to me, she told me I had to pay XXXX XXXX upfront and if I could not then they will be at my place of residence or employment tomorrow with court documents charging me with felonies out of Kentucky.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOMEOWNERS FINANCIAL GROUP USA (SC)

On XX/XX/2022, I applied for an extension of credit with HOMEOWNERS FINANCIAL and a few days later I received an adverse action letter stating that I was denied. I called the company on today of XX/XX/2022 asking what laws and procedures were used to come to this determination and I was told they had a the right to deny me of my credit and that it is company policy. 

I want to be provided with the exact subsections that was used so I can study this for myself. I am requesting to be provided what laws I have to abide by the credit score and that this private transaction needs to be reported. 

The account is negatively affecting my credit score on my XXXX account The CFPB states that credit reporting is optional. 

Company procedures do not supersede federal law and this is a direct violation of my rights as a consumer. 15 USC 1602F states that credit is my right and I can not be denied a right. 15USC 1602P makes it clear that you used my credit card without authority and I received no benefit. This is clearly discrimination as usc 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against. I am holding you all liable now as you are acting as an authorized representative. I am willing to terminate further actions if your company does the right thing and reverse this decision. Thank you.