davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (WI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

I ordered XXXX XXXX hoodies and XXXX boots from dillards. The XXXX  boots came and were delivered along with the photo from XXXX. The hoodies were shipped seperately and they were misdelivered-along with XXXX  photo showing a different background and wrong address. I called SEVERAL times with a few case numbers given but they would not remove the charges even though all proof and documentation was sent to XXXX. XXXX even said for dillards to file a claim do they would get reimbursed and XXXX REFUSED.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: One Source Technology (TN)

On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to Asurint ( One Source Technology LLC ). The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and/or financial information in relation to specific accounts on my consumer report and/or background check report. 

Detailed Legal Framework : 1. 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to Asurint ( One Source Technology XXXX ) and XXXX XXXX XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal, financial, and background reporting information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Thaxton Investment Corporation (IL)

XX/XX/XXXX, I went to make a payment on line and my account was locked. I called the office and told me its because I file bankruptcy. I did not and told them this. They said they will review and get back to me. XX/XX/XXXX I called and told the same I cant make a payment because I file bankruptcy and I told them no didnt. Now XX/XX/XXXX I called again and told I cant make a payment as account is locked and I show a bankruptcy. I ask for a supervisor and said they was not there and to ask for home office number and said dont have it. Now the account is unlocked and can make payments but charge me fees for 3 months and posted on my credit report Im late 3 months. They have charge me over XXXX  in fees per the report and I been deny a loan for a car because of this.
Consumer complaint received 2021-01-23
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. (GA)

While XXXX with the United States XXXX, I received late charges to my XXXX 's credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX XXXX department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.
Consumer complaint received 2024-01-23
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: ID Analytics, Inc. (NJ)

Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for four years resulting in multiple credit denials. Most recently Ive written XXXX and XXXX asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.
Consumer complaint received 2024-10-23
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MA)

I am writing to dispute the medical bill I received for the XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX. I believe there has been a misunderstanding regarding the billing process, and I would like to provide you with the details of my situation. 

To provide some context, I had informed XXXX XXXX of a change in my insurance coverage before the XXXX XXXX took place. Despite this, I did not receive a bill for the procedure for over XXXX months. Instead, I was surprised to receive a call from a collections agency, indicating that the bill was in arrears. 

I have made several attempts to resolve this matter by reaching out to XXXX XXXX through various channels, including emails. Unfortunately, my efforts have been met with unresponsiveness. I have documentation of multiple email correspondences where I sought clarification on the billing matter, only to receive no reply. 

Moreover, after discovering that the email address provided by XXXX XXXX was false, I made additional attempts to communicate with your billing department. I have records of phone calls made to both XXXX XXXX and XXXX XXXX, where I tried to address the issue and obtain a resolution. Despite being assured by several individuals that the matter was taken care of, I have now received a debt collection bill for the same procedure. 

In my pursuit of a resolution, I have also involved my legal representative, who is actively working on this case. I have provided phone records, email exchanges, and other relevant documentation to support my claim. However, despite these efforts, the issue remains unresolved. 

I am deeply concerned about the impact this situation may have on my credit and overall financial well-being. I am willing to cooperate and provide any additional information necessary to facilitate a prompt and fair resolution to this matter. 

I kindly request a thorough review of my case and a response detailing the steps taken to rectify this billing discrepancy. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (FL)

We received a collection notice from Midland Credit Management saying we are in default. I never opened this account as I have never lived in XXXX XXXX, Mi, also having not left the state of Florida in over 40 years.I always use my middle initial when i legally sigh any forms. Being the XXXX  was not used to open this account.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

On XX/XX/XXXX and XX/XX/XXXX reached out to XXXX XXXX AND XXXX via phone and online DISPUTES regarding accounts with NELNET that are stilled listed as OPEN on my credit reports. Contacted NELNET XXXX for DISPUTE regarding accounts also. Reached out to XXXX XXXX XXXX regarding account in the account of {$250.00} that was PAID. All of my loans with NELNET have been CLOSED and PAID.
Consumer complaint received 2021-08-04
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. (TX)

I've included FTC report and all required documents to have fraudulent inquiries removed. Equifax has refused to do so, I did not authorize nor benefit from these inquiries under the FRCA there fraudulent inquiries should be removed within 4 days Equifax has violated my consumer XXXXright refusing to do so. I've provided My photo ID, social security card, utility bill.
Consumer complaint received 2024-10-31
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. (PA)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2024-10-23
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. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (NE)

There is a 2nd and 3rd Lien ( HUD ) on my home title due to an error ( duplicate entry ) by my mortgagee company, Mr. Cooper. I have been trying to get them to fix the problem since the end of XX/XX/XXXX so that I can refinance my home. I have been in contact with the Loan Mitigation department at Mr. Cooper and all they are saying is that they are working on it. I have sent them all of the documentation from HUD stating that there should only be 1 lien, so I'm not sure what they have been working on. XX/XX/XXXX they said they needed to send a form to HUD for them to sign. I spoke with HUD today and they said Mr. Cooper has to contact my county to have the lien released. There is nothing for HUD to do. Not only is Mr. Cooper not fixing the problem, it is nearly impossible to ever actually speak to an individual. I was told that the only department that can help me is the " Loan Mitigation Dept. '' and it seems as if there is only 1 individual that works there. She works from home and never answers her phone. I always leave a message and she might return my call within 3-4 days. Very poor customer service. I'm not sure what else to do. HELP!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-23
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. (KY)

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT. 


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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages. 




FAILURE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESULT IN LITIGATION TAKEN AGAINST YOU. 


Sincerely, Thank you
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AK)

Bill sent to us by CitiBank/XXXX during the month of XX/XX/XXXX9 ( Reference : XXXX ) There are a number of suspicious circumstances about this bill. 
1. The account was paid up and closed down in early XX/XX/XXXX. The account was on autopay. There was never an outstanding balance from previous months. 
2. The cards ending XXXX and XXXX were both cancelled in early XX/XX/XXXX and could not be used. 
3. There is no itemization of the purchases that motivate this new balance. 
4. The balance of {$4700.00} is unusually high. Our bills were usually half that amount or less. 
5. We received no bills for this account XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. This bill is said to cover expenses in XX/XX/XXXX. 

We have tried to contact billing at CitiBank regarding this issue. A weakness in the billing processes at CitiBank is being exploited we suspect intentionally. Instead of talking with us the bill has been sent on to the collection agency XXXX XXXX XXXX XXXX. 
Either someone in billing at CitiBank made a mistake or is attempting to fraudulently exploit a family in mourning. 
We are reporting this crime to both the police and the Federal Trade Commission.
Consumer complaint received 2018-12-14
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. (NC)

on XX/XX/XXXX Equifax took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

They are reporting multiple different balances and account status. My account in their system says I don't have a payment due for XXXX days but they are reporting it to the credit bureau as late. They were reporting a balance of {$8300.00} even after my balance was {$3600.00}. They are preventing me from getting a new auto loan. I'v been to multiple dealers and have been turned away because it was showing I owed 77 % on this loan until yesterday. Then on XX/XX/24 it was reported I have a late payment.
Consumer complaint received 2024-01-25
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

I had got in touch with Direct Express fraud services Department about a large amount of money was taking off my card it was back to back charges from a XXXX the investigation started on XX/XX/2023 Direct Express sent me all the card statements since XXXX XXXX thats when I found out that it was some fraud activity going on for a while they was taking small amount of money at a time that i really didnt notice it was a total of XXXX I started a claim they told me that I had made the purchases which I did not make I ask for proof and wanted information which they said my case was closed and if I wanted to make another dispute I said yes because I know I didnt not make those transactions they said they would send me the dispute information but they never sent the proof or I never got the second dispute letter it made me feel like someone in there company had made the transactions I have no reason to lie that money help take care of my kids after my husband pass away
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

This is my second notice regarding this matter. I am writing to formally dispute inaccurate information related to my XXXX loans reported on my credit file.

In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( B ) and 623 ( a ) ( 6 ), I am requesting an immediate investigation and removal of these items from my credit report as they are currently negatively impacting my credit score. 
Account Details : Creditor Name : XXXX Account Number : XXXX These entries are causing considerable distress as they are inaccurately impacting my creditworthiness and potentially limiting my access to favorable financial options. Under FCRA 605 ( B ), I am entitled to have unverifiable information excluded from my report, and per 623 ( a ) ( 6 ), creditors must take reasonable steps to report only accurate information.

Please investigate these accounts and notify me of the results within the statutory 30-day period. If you can not verify the accuracy and completeness of the student loan information, I request that you delete it immediately.
Consumer complaint received 2024-10-30
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. (CT)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.