davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
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. (SC)

I received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX  and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA. 

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc. (AR)

My employer has been repeatedly been contacted by The CBE Group , INC, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX regarding an alleged debt. My employer, and i have both requested this company cease and desist, however this company continues to call. I sent notification via Certified mail, as well as regular USPS. I am not only disputing the alleged debt, but I am also requesting this company terminate their attempts at contacting my employer.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (IA)

Direct express/coamerica is where I get my social security benefits and has a contract with the federal government. They are not only completely unprofessional they are operating illegally. I submitted a dispute back in XXXX and followed all the proper procedures as outlined in their online process explanation. One excuse after another they done nothing but push the date up of when the dispute was received by them. Over 90 days later and no resolution to the dispute or no credit has been issued to my card. They have been taking money off my card and no sending the payment to the businesses. This has resulted in me being taken to court by several businesses and facing tons of fines for late fees, disconnect and reconnect fees which quadruples the amount of the dispute. Ive since lost my card and unable to get through to a single person for several months to get the card cancelled and to get the money reimbursed to me. Each time I call I get hung up on and then transferred to the the survey. Also several places have issued me refunds to the card and they have never put a refund back to my card for any of these refunds. I am not able to communicate with this company at all and they have no desire to follow any laws. Im not only requesting them to be responsible for all the charges Ive faced for their unlawful activities Im asking they lose their government contract as they dont know how to follow your policies and companies that break federal laws arent allowed to hold government contracts
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MO)

I filed a recent complaint with Citicards regarding this exact issue. I have not been able to use my card ending in XXXX for over a month now. Citibank told the CFPB that the card was able to be used near the end of XXXX. That is a lie. 

When I log into my account at citibank.com, there is still a notice that displays immediately : " We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department at XXXX ( TTY : XXXX ) '' When I attempted to use the card on XX/XX/18 it was DECLINED. Citibank has done NOTHING to resolve this issue.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY I disputed the referenced account above on XX/XX/2021. The credit report of XX/XX/2021 and your report # shows results that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2019-04-06
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: SLM CORPORATION (NY)

XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 )  they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WV)

I contacted Equifax on XX/XX/2019 at XXXX XXXX and spoke with XXXX due to an unauthorized address change in my credit report for your bureau only. After going through the authentication process and approved, I found out that a lender had changed my address in my personal information. When asked what lender changed my address, XXXX informed me that she did not have that information. I also questioned how a lender can just change my personal information without going through a process such as I did and how a lender could change my personal information. I was also informed that she did not have that information. I was then informed that I have to write a letter, make copies of more of my personal information and send it in to get my address changed back to the place that I have lived for 10 years when I did not authorize the change in the first place. The credit bureau never contacted me. I only found this out because I have XXXX XXXX protection services. 

I feel it is a violation to allow any company or other individual to change my address without personally contacting me first and for it to be extremely difficult to correct my own information. I really do not understand how this is acceptable. I sent a letter to Equifax about the issue and sent the documentation I had. I also question how a lender can have a copy of my drivers license and my social security card to change my address. I attached the letter I sent to the company below.
Consumer complaint received 2018-04-11
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: Experian Information Solutions Inc. (NY)

this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
Consumer complaint received 2019-04-06
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: BARCLAYS BANK DELAWARE (TX)

XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX XXXX  Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like this
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recieved an offer to finance an automobile through Capital one. I have received these offers continuously for about 2 years now. In this same time period I have been DENIED a credit line increase multiple times. How can my credit be good enough to finance a car but not good enough to increase my credit line? Is it my age ( XXXX ) or Military status ( Veteran )? I really want to know.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor. 
Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ XXXXTransUnion ] continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (MD)

I received an email from XXXX XXXX  stating I had a hard hit on my credit report from CB Indigo. I have not applied for any credit cards. I believe this is fraud.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.