davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I noticed a credit inquiry on my report that I did not authorize or apply for. This unauthorized inquiry is damaging my credit score. Despite reaching out to the creditor to dispute it, no proof of my authorization was provided, nor was the inquiry removed. I am requesting its immediate removal.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (DE)

Narrative of events : I have 2 Amex cards that I acknowledge that are past due. On both cards i cancelled autopay as not able to make the monthly payment. According to Amex, I only suspended the autopay which is not the case. On Both accounts, the " suspended '' autopay trigger causing me server finical hardship. The first account Amex originally told me they could reverse the paid via ach in 48hours. I also followed up with my bank to file a fraud claim for an authorized payment. I call back the next day ensure that it was going to be returned only to find out that their only option was to refund the money via a check. After talking to a supervisor, i was told that it was possible to send it via check and that they could overnight it. However, my credit union was able to reverse the ach making this a moot point, On the second account my experience was far worse. 
XXXX XXXX XXXXXXXX refused to refund the unauthorized paid on the second account. This rep mudder something in XXXX, i asked for a supervisor and refused a call back. I believe this to be profanity but am not 100 % sure. 
XXXX id XXXX also refused to process the refund stating that it was not possible. Suggested that i contact my bank to have them file an ach claim. 
XXXX : id unknown. Supervisor in late-stage collections : refused to help and insisited on having a collections conversation after being told that they i wasn't interested in having that conversation multiple times. This could be considered harassment This falls under XXXX for the following reasons : Unfair : Failing to unenroll a person from autopay and only suspending autopay, then refusing to refund the money as the cardholder was unaware. This causes direct finical harm to the cardholder. Refunding the money on 1 account and not the other account is also unfair treatment Deceptive : By not unenrolling customer in from autopay is deceptive and failing to notify the cardholder that a payment is going to process especially if the cardholder is unaware. 
Telling the cardholder that they can then they refused. 
Abusive acts and Practices : The collections rep who contiuned to push the conversation to in a collections attempt after being told that i was not interested in having that conversation is considered to be harassment which is an abusive act. 
Not cancelling autopay when it was selected to cancel the autopay and only suspending it for a few months is also abusive. 
Refusing to refund the money that was taken out,
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I made my installment payment on my credits before XXXX before the timeframe my most credit score is dated. I disputed 3 times with document and they do not want to fix the error in real time. 

Transunion and XXXX is not report all my lines of credit.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Recently, while reviewing my credit report, I discovered that I've been a victim of identity theft. I noticed an unauthorized credit inquiry that i have no knowledge of. Here are the inquiries I found : XXXX XX/XX/year> Please remove this fraudulent inquiry off my credit report. I've also attached copy of identity theft report.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed information on my credit XXXX XXXX XXXX XXXX, yet XXXX still reports these items knowingly this item is in an identity theft report and I have not contracts with this company I would like it removed from my credit report
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not give the Creditor permission to inquire on my credit report. I have a active fraud alert on my personal credit report, due to my name ssn address phone number being leaked on the dark web. these are the following : XXXX Auto Financing XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX CAPITAL ONE Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE AF - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX COAF Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE AF - XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX COAF Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CAP ONE AF - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX COAF Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX LVNV Funding Original creditor : XXXXXXXX XXXX XXXX 
RE : XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account and make purchases with XXXX XXXXXXXX XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXX XXXX and explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account. 
Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXX XXXX that the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Consumer complaint received 2024-09-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Since XX/XX/year>, my mortgage broker has repeatedly requested a loan payoff amount to my current mortgagor, Pennymac, to process the refinancing of my mortgage with another lender. They provided a payoff statement on XX/XX/year> that was only good for XXXX day, and unbeknownst to me was expired by the time I transmitted it to my broker. The new escrow company has been trying since then to obtain an updated payoff statement only to be told they haven't received any requests. However, on XX/XX/year> I received an email from Pennymac with the subject line, " We received your request. Call now to discuss a limited-time offer we have for you. '' It contains a number to call which takes you to a general customer service menu. Requesting a payoff statement to the automated system directs you to request a statement through their website, which charges {$25.00}, an amount I didn't pay for previous payoff statements. Today ( XX/XX/year> ), my broker just informed me that the new escrow company representative was able to speak with a manager at XXXX who told her they would add my payoff statement request " to the line ''.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (AZ)

When initially buying the car, we chose a car with a delivery of the next day ( false advertising ) as this was the main reason we chose this vehicle. When the sale and my down payment went through on the XXXX, the delivery date was then set for a week later ( literally 7 whole days ). The day before the contractual delivery date ( XX/XX/year> ) I was emailed at XXXX that the delivery would be delayed another 2 days. I am a nurse and this means I will have to miss work or further delay the delivery to another day im not working. I planned my work week around this delivery and now with this lack of notice I will miss out on well over {$1000.00} of income. Mind you I have already signed a contract and that contract stated the delivery was the XXXX and now it's being pushed back to the XXXX. The car was paid for on the XXXX, the site stated " get it tomorrow '' and then the delivery date was set for the XXXX. 7 days after I signed the contracts. Then apparently they unilaterally changed my contract to the XXXX. Now that they have broken our contractual agreement they are " requiring '' me to go in and sign a NEW contract.
Consumer complaint received 2024-09-25
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: Resurgent Capital Services L.P. (CA)

LVNV/reseervent has failed to provide proof of contract on a charged off debt from 2014 California 's statute of limitations on debt is 4 years, per the state 's Code of Civil Procedure 337. A statut This needs to be deleted from my credit report
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

I first contacted XXXXXXXX XXXX XXXX XXXX. in XX/XX/XXXX about my Discover card going to them due to non-payment. I contacted them and set up a payment plan for three months for {$100.00}. I had to contact them about a week later because my payment plan was not set up right the first time I contacted them. I never received any documentation for XXXXXXXX XXXX XXXXXXXX XXXX. about the debt other than the document stating thank you for your payment it has been processed. I did contact XXXXXXXX XXXX XXXX XXXX. on XX/XX/XXXX, to receive debt validation paperwork from them which I did receive on XX/XX/XXXX. 

When I have talked to XXXXXXXX XXXX XXXX back in XXXX, the employees were rude and were pushy when I didn't agree to anything they stated. Not one of them ever stated about sending me documents about the debt, they only wanted to get money.
Consumer complaint received 2024-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OH)

On XX/XX/XXXX we reviewed our Escrow statement. In doing so the Escrow was short by XXXX. So we called Freedom mortgage and asked if we pay the Escrow shortage amount of XXXX would our monthly payment be the same and was told it would and not go up to XXXX for next year? 
The statement showed Home owners XX/XX/XXXX - XXXX According to XXXX - XXXX Taxes - XXXX XXXX XXXX - XXXX not been determined? 
XXXX XXXX XXXX - XXXX XXXX - XXXX with amount shortage of XXXX? 
When asked how paying this amount or the XXXX would make it come out without a shortage they couldn't answer. Yes I asked them to redo the process so we will know our monthly payment in detail.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIANT CREDIT UNION (GA)

On XXXX  my credit was pulled by all three credit bureaus for different car lots. I was informed that all these applications was done online someone using my information. 
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 Alliant Credit Union
Consumer complaint received 2024-09-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (PA)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX ID Type : Drivers License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers Bank : 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 I don't recognize the following accounts in question. Im a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from my early warnings consumer report immediately This inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies such as Early Warning Services must provide accurate and up-to-date information on consumer reports.Please provide proof by way of a signed agreement that these accounts are mine. If you can not provide proof, please remove these inaccuracies from my report. This discrepancy is causing harm to my XXXX XXXX and overall financial well-being. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/XXXX a letter was mailed out regarding Collection account from LVNV FUNDING and a balance of {$880.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it
Consumer complaint received 2024-10-15
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''