davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (OK)

Equifax is reporting an account that has been settled. I did not give consent to Equifax to furnish this account on my credit report at all. I sent letters to Equifax about account XXXX and that it should be removed from my credit report.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau (UT)

I was served by Knight Adjustment Bureau in XXXX. I called the day after they served me and they transferred me to my collector. I left a message. I called again the following Monday. And left a message. I called for another three days and did not get an o talk to my collector, XXXX. She did not call me back either. And now my wages are garnished.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

I opened a Navy Federal Account in XXXX TX off XXXX XXXX related to personal identifying information XXXX XXXX XXXX XXXX and XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX presented a Fraud Marriage Document related to XXXX XXXX XXXX XXXX TX. and Filed illegal Powers Of Attorneys where acting power XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had my passport book committed Veterans Affairs fraud by stealing my Veterans compensation check over XXXX a month as well as a spouse XXXX and child of XXXX for each. I played no part in this and this is Bank Fraud this was on the bank i asked for the disclosures from the bank to be mailed to XXXX XXXX XXXX XXXX XXXX Tx XXXX all will be disclosed in the Taxes to my undisclosed sources the round bout figures where my net worth is XXXX XXXX dollars and they stole {$650000.00} by transfering to bank cards relating to my social and unprotected name now at the comptrollers office in TX. but i first recognized the payments in XXXX or XXXX in XXXX XXXX. but i opened it in XXXX XX/XX/2021 when i ask the bank close my account in TX it was never closed because of the powers of attorney she had over me acting fraudulently as a spouse worlds dumbest criminal they tripped the FBI by amount they stole but failed to make the most wanted list all this was Bank Fraud in TX and California as well XXXX has a property at XXXX XXXX XXXX XXXX and another down XXXX XXXX which XXXX moved out of please investigate please XXXX mail any findings for my mobile is down or a investigators number to contact for i have cyber stalking to properly keeping me from reporting the full events please take this as a formal report
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (NC)

As of XX/XX/XXXX I was approve for a settlement of {$24000.00} for over rated priced vehicle XXXX XXXX XXXX brought from XXXX XXXX in XXXX NC for above {$27000.00} + at minimum of 24 % XXXX making payments of $ XXXXmonthly to flagship credit acceptance. They are in process now to repo as I had some financial hardship temporarily but currently I received a new job offer and additional job offers as well so financially I'm paying off all debts one by one. 

XXXX XXXX has been sued for fraud related events to other customers and I have also worked with individuals to lease out the vehicle and also notify them of financing it. 

My request is to have flagship credit acceptance to remove this loan from all my bureaus and when I received the settlement letter via email was after requesting three different settlement rejects one for {$15000.00} ( which XXXX dealership in XXXX NC appraise the vehicle but flagship did not work with me ) and again I requested settlement for {$20000.00} flagship again rejected. Please assist me in getting this auto loan lender remove from my bureau.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TX)

I have a collection showing on my credit report from Midwest Recovery System with a loan on XXXX XXXX, 2016 for {$910.00} and referring to XXXX XXXX. I have never opened an account or secured a loan on XXXX XXXX, 2016. The dates are false and I owe no amount of {$910.00}. This collector is falsifying information to place a newly open account on my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$9300.00} XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance : {$7400.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- MY REPORTS HAVE MANY INACCURACIES and its starting to affect my livelyhood. The open dates, the payment dates, and the amounts listed are incorrect, unauthorized and SEVERELY INACCURATE. I NEED THESE INACCURATE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO LITIGATE! I mailed my letters out more than 30 days ago and I have yet to hear of any investigation. this is against the laws and violating my rights In accordance with FCRA, Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be Civilly liable for negligent noncompliance
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In XXXX of 2022, I was a finalist for a CEO position, and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. THE REPORT WAS RUN THROUGH EQUIFAX XXXX XXXX XXXX. I am formally complaining that this credit report is being reported by Equifax as a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry, as I was not seeking credit. I filed a complaint with CPFB to have XXXX XXXX fix this error on complaint number XXXX. The inquiry was not removed because XXXX XXXX knows they ran the report, and it is reported on my credit report as EQUIFAX XXXX XXXX XXXX, XXXX, CA XXXX. Yesterday, I spoke with Equifax, and they understand my issue but will not remove the inquiry unless I file another complaint with CPFB against EQUIFAX XXXX as reported on the credit report. I previously filed a dispute with Equifax, and it was denied. I am requesting that this inquiry from EQUIFAX XXXX be removed from Hard Inquiry which would remain on my report for another XXXX  months and continue to harm my credit score as if I were attempting to over-purchase. I have ended my paid membership with Equifax for not being customer friendly, knowing full well what happened and its negative impact on me and my family.
Consumer complaint received 2023-02-23
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (FL)

ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. CREDIT CARD COMPANY HAS ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS ON MY CONSUMER REPORT AS A CHARGE OFF. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX Acct # XXXX company reporting as open account. 
XXXX Acct # XXXX company reporting as open accounts. 
Experian reporting these collections open account which is not under FCRA compliance. This is inaccurate reporting and needs to removed immediately.
Consumer complaint received 2017-01-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Onity Group Inc. (WY)

We are a XXXX who completed hail damage repairs on a property in XXXX XXXX, WY. The original estimate was {$23000.00}. There was an insurance supplement of {$8300.00} and an additional supplement of {$260.00} bringing the total repair to {$32000.00}. The homeowner has a deductible of $ {$1600.00} so what the insurance company, XXXX XXXX XXXX, paid was {$30000.00}. These funds were sent to Ocwen Loan Serviing, LLC. The claim was made to the insurance company in XXXX of XXXX. Ocwen Loan servicing sent the initial payment of {$20000.00} in XXXX, XXXX with a balance of {$9700.00}. On XXXX/XXXX/XXXX the final bill for the work was submitted to the insurance company for payment and the final inspection was completed on XXXX/XXXX/XXXX. I have been trying since then to get payment from Ocwen Loan Servicing. I have faxed and emailed the same paperwork to them several times and have documented all faxes, emails and phone calls to Ocwen and would like to provide you with this documentation. It has finally come down to the fact that they verified they received the initial check from the insurance co of {$20000.00} in XXXX, {$260.00} on XXXX/XXXX/XXXX, {$8300.00} on XXXX and {$1100.00} on XXXX. They stated to me on XXXX that a payment of {$1400.00} was to be mailed out that day, I asked why that amount and they stated that was all they were holding. I called back and spoke to another representative that day and she verified that they had received the {$8300.00} but the funds were missing. She called the ins. co. and verified that the check had cleared their account so she put a search on that check. on XXXX/XXXX/XXXX I was told the missing funds had been found. a request was put in to expedite release of the funds. I called again today but they could not give me any information on it or when the funds would be released and suggested I call again on XXXX. Because I have been trying for 2 months to get my payment, my concern is that I am not the only person fighting with this company for payment. I feel this company needs to be looked into as their business practices are awful. There may be a miracle and I will receive payment but I have run out of hope of that happening, that is why I am reaching out to you. I am hoping there is a place where I can attach my documentation to this complaint so that you can see what I have been going through.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

I have never given permission to furnish the information to XXXX XXXX XXXX Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am very frustrated and annoyed with Experian for not being able to display accurate information on my credit report. A copy of a XX/XX/XXXX report is attached for viewing. 

The report shows " Serious Delinquency - Lack of Recent Installment Loan Information, Number of Accounts with Delinquency, too Few Accounts Currently as Paid. 

All of this information is incorrect, and I have filed with this XXXX on the same issue with Experian, but they have not fixed it, and as a result, it is creating serious damage to my credit history. 

Keep in mind, Experian is the only credit bureau that fails to get it right. XXXX and XXXX are reporting accurate information. None of the above incorrect information appears on my credit file- with XXXX and XXXX with the exception when it comes to Experian. 

Keep in mind I have NEVER been late on any payments and have a history of on-time payments for over fifteen years ; as a result had a score of XXXX, and because XXXX XXXX XXXX demanded I make additional monies- such as {$350.00} for two credit cards with them, left me with no choice but to file XXXX XXXX in XXXX and then afterward was still making payments to creditors - not fully understanding the process of XXXX XXXX. Today, I have 10 months left of a five-year plan- {$800.00} a month. 

Experian- get it right. I am so sick and tired of you not accurately reporting the status of my credit file. It's obvious there is something wrong when you ( Experian ) are the only reporting agency incorrectly reporting my credit.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had Contacted XXXX not once more like 5 x on not one but 2 leased Vehicles, Prior to this I was a loyal XXXX Consumer for over 18 years our Daughters first Car was threw XXXX @ XXXX shes now XXXX I leased my car with a cosigner. My uncle, XXXX XXXX, and XXXX XXXX lost my whole deal.and I paid dearly buy putting that Vechile with a Balance of {$9100.00} which was incorrect as it was traded for another XXXX that I ended up paying a lot more in interest cause XXXX XXXX were on my report they stated when I called this was according to Credit Reporting XX/XX/XXXX # XXXX which only cause they were Penalized this car was taken off my Credit Report but the damage was already done. 
On the second car still on my Credit Report same thing but they tried saying the Car had a scratch on it and this time they claimed I owed {$12000.00} and claim wear and tear I traded this car as well and I had it for 3 years with XXXX miles to XXXX here in Florida I spent a lot of money because I put me on the credit agencies, not once one cop of the two cars that was unfair, because Ive always been faithful to XXXX XXXX took possession of the vehicle it was mint Upon having a discussion with XXXX the woman from Texas told me that the car again had wearing tear, as well I had to pay that {$800.00} Fee Which I was no longer responsible for the vehicle, because XXXX took the full possession of it, and I financed a car through XXXX that was through the roof, because of what XXXX did to my credit report Its not just about Wrongfully putting me in the credit Bureau. It was a trickle down effect in this particular vehicle was making up and still listed in the credit Bureau as of my last pill of my credit report is XX/XX/XXXX I feel, XXXX owes me Compensation for what they wrongfully have done when I was not in Error, XXXX was and they got fined but I Paid dearly for Their Ignorance and I am considering pursuing this Matter to an Attorney against XXXX for Not just hurting my Credit but for the Numerous times I have called and was told they would work out a payoff plan it goes much deeper, like my XXXX and non Compassion they had to a very Loyal Consumer as I stated XXXX affected Me and my Credit Score as I said the last vehicle is still on my credit report which means everything that I apply for I either get denied, or I pay higher rates, which is not fair if they had just done the Correct, Honest Way in handling all of this but their Greed Cost me a Woman who is on XXXX and on a Fixed income SSXXXXXXXX Any chance of getting a loan to allow me to move forward with my life So their being penalized got them out of their Jam, But has done Nothing to help Consumers who got hit in many different ways This is why I am Seeking an Attorney as I feel I should be Compensated for their Errors. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

I deposit a business check for work performed for a customer on XX/XX/XXXX, I was told it would 10 days before check cleared, after the funds cleared XX/XX/XXXX, I removed enough to cover expenses for the job. On XX/XX/XXXX the check had returned. M & T without any word withdrew all my money putting me in a minus XXXX balance which in return bounced my bills that were scheduled to come out. Also, M & T hitting me with service fees {$38.00} another {$38.00} and another {$38.00}. This negative balance also took a direct deposit of XXXX from a tenant for rent that brought my negative down to XXXX. M & T took it upon themselves to credit my account temporarily, I left the credit alone, after contacting M & T and discussing the fact that this is fraud, I feel its half their fault that I'd be taking more of a loss than them, the agent informed me that my account would be closed. I haven't heard a word from them till my mother called me XX/XX/XXXX in a panic stating that M & T had shut her debit card off on her account with no notice other than her bills paid with the card bounced and going to see what was wrong. Since her name was on my acct they weren't opening issuing a new card and that they were going to take XXXX from her social security check deposits.