davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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
Consumer complaint received 2023-06-26
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: CL Holdings LLC (FL)

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXXXXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO JEFFERSON CAPITAL SYSTEM AMOUNT XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Global Lending Services LLC (MD)

I received a letter on XX/XX/2023 from Global Lending stating they can't grant me approval for an autio loan & how they didn't pull my credit report. Something isn't right here because there is a freeze on all of my credit reports. How can they deny me when I never applied with their company or granted them approval to pull my credit report. There are many complaints on line about them doing the same thing to others. This company is taking consumers information & illegally processing it fully as if they applied for a car loan
Consumer complaint received 2023-06-26
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: V and H Portfolio (FL)

This is a recurring problem, not a duplicate complaint. Please send to the company for a response. Debt Parking. Company appeared on credit report. No dunning letter was ever received notifying me of my right to dispute the debt as required by the Fair Debt Collections Practices Act. 

I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. 

In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. 

The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in 2004 case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (MO)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On or around XX/XX/2022 I used my American Express Card to purchase a XXXX refrigerator for {$1200.00}. When the refrigerator was delivered, it did not quite fit my kitchen space and the deliverymen immediately put it back on the truck for return. XXXX has no form signed by me for the delivery. I was never credited by XXXX for the return. I made about 8-10 calls to XXXX attempting to rectify the problem. Twice I spoke with the XXXX XXXX XXXX and ascertained that they definitely had a record of the refrigerator having been returned. I made repeated attempts to implore the Appliance Division and the Billing Department to communicate with each other, all to no avail. After American Express intervened, I was told by American Express " XXXX states that you still have the refrigerator and that they have no record of your having ever contacted them about this dispute. '' When I provided American Express with the direct phone number for the Appliance Division, to verify the return, I was told " We don't make calls like that ''! American Express has refused to listen to me and to properly process this dispute. 
Less than 10 days after the return of the refrigerator I used the same American Express card to purchase a refrigerator from XXXX XXXX.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AZ)

For the second time in less than a month, using the goprogram.com website and app, used the ATM locator and per the cardholder agreement ATM withdrawals from the XXXX network are considered fee free withdrawals as they are in network. Using the app on XX/XX/20, showed location at XXXX XXXX XXXX XXXX in XXXX, AZ as in network location. Made withdrawal at the location and have the physical receipt showing XXXX at the top, yet was charged out of network ATM withdrawal fee. This is second time company has illegally charged out of network fees for using in network ATM and then refused to remove the fees in a timely manner. The first instance took over 3 weeks to resolve after first CFPB complaint. In both instances, representatives then proceeded to illegally " steer '' me, the client, to a bank teller to make withdrawals since the fee dropped the balance below the min. withdrawal amount of XXXX allowed at in-network ATM 's and be charged another fee for teller assisted withdrawal. In both instances company notified on day of illegal fee being charged but not resolved for weeks. Practice is becoming a willful violation of cardholder fee agreement.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has allowed someone to use my account to buy things and is saying it was me or someone in my house. XXXX times in XXXX day, and other withdrawals or purchases not made by me or my wife.
Consumer complaint received 2023-06-28
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: 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 XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (WI)

I called Synchrony on XX/XX/ to cease and desist communication as they have no legal right to collect on any debts. They agreed but {$45.00} was deducted from my bank account on XX/XX/ after they agreed to stop automatic payments and remove my payment information. I attempted to call them to have the payment reversed but the two different reps I talked to today put me on a ridiculously long hold of over 15 minutes both times. 

Lastly, I sent an e-mail today to Synchrony to request that they reverse the payment by the end of the day that they attempted to collect since they did so fraudulently and after I revoked my consent. This has not been done so I will be reporting it as fraud to my bank to ensure that the money they attempted to illegally obtain gets credited back to me as the rightful owner.
Consumer complaint received 2023-06-26
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. (IL)

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 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 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-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 2023-06-28
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Equifax comes with excuse of sending my credit report in which I wrote them and filed complaints. 

Equifax has wrong information I was told when looking to get a new car of names and address and phone numbers not correct by Equifax. 

I have also reported this to the US Attorney and wrote to DOJ of the run around with Equifax I have also contacted with XXXX XXXX firm in regards of taking legal action on Equifax excuses of sending my free credit report and Equifax created phone numbers address and phone numbers and various other information not correct.
Consumer complaint received 2023-06-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I was informed by a collection agency that an account was not paid that was in my name. the amount of the account was {$16000.00}, and opened with USAA Bank. This account was opened in XXXX of 2022 and closed in XXXX of 2022, with no payments made on this account. This was not opened by me, but was opened fraudulently by someone else unknown. I spoke with USAA bank and they are investigating. I also filed a Police report at my local Police department, the report number is XXXX, and was reported at the XXXX Police Department XXXX I also called the collection agency ( XXXX ), and reported this as a fraudulent account. This is showing on my credit report with all 3 agencies and has damaged my credit badly. Please let me know what steps to take now, and let me know if you can do anything to restore my credit. 

thank you.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This company LVNV FUNDING LLC showed up on my credit report as reporting a collections for {$270.00}. I do not know this company and I do not owe LVNV FUNDING LLC anything. I have NEVER done business with them. This is FRAUD to put this on my credit when I do not know them. They need to remove this ASAP.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NJ)

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. BAY AREA CREDIT SERVICEXX/XX/2023 {$6600.00} 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 2023-06-26
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (GA)

I am not a reporting agency. I have sent ftc reports to nelnet and a police report that I have submitted to you all to send to the company below are the letters that they respond to when I file a dispute. 
I have never lived at the address on the account XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (DC)

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 XXXX Account XXXX Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries XXXX5 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NV)

In accordance with the fair credit Reporting act Account # XXXX ...., has violated my rights. 15 USC 1681 Section 602 States : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was not provided with a Loan Estimate within 3 working days. The documents to start the loan process was provided to XXXX XXXX ( the loan officer ) on XX/XX/2018. The replies were sloppy and he was hard to get a hold of. See the attached email for more detail.