davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (LA)

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.

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 inructions 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 2023-07-25
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. (OR)

I am a natural Person, I am a living Human Being. I have rights under 15 U.S.C 1681. 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.
Consumer complaint received 2019-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United Group Inc. (OR)

Our car was repossessed. We were able to get a loan with another company. During that process we asked XXXX at the XXXX branch of United Finance repeatedly if a cashier 's check in their name was going to be ok. She repeatedly assured us it would be fine. We remained in contact with XXXX during the whole process. We received the check and took it to their office. We were told that they were not going to accept the cashier 's check because we might cancel the check. I assured them that I would not and that I was told that if I did that I could be facing criminal charges. XXXX said he needed cash or would not release my car. Or he gave me the option to give them the check and once it cleared they would release my car. I went to the bank to get cash and they said they had to order the cash and that could take 5 days. So at this point I decided to just give United Finance the check and wait for it to clear. While I was in the office I over heard one of the employee 's tell a customer that they would mail the title to them once the check had cleared. Since United Finance is holding my title they could do the same for me and not be in jeopardy of losing the ability to repossess my car. Because of the wrong information I was given by their employee and their unwillingness to work with me I will now be out at least {$350.00} for storage fees of my car. I want to be reimbursed for those fees.
Consumer complaint received 2019-05-22
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: DISCOVER BANK (FL)

a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (LA)

XXXX XXXX XXXX stated we only applied for pre-approval of said loan. I did not see any loan papers ( contracts ) from GreenSky stating number of payments, size of payments, length of term, interest rates, options for down payments. ( XXXX ) There was a paper flashed in my face with Greensky lenders header at top, which showed 4 % interest under $ XXXX and 7 % Interest over $ XXXX dollars. 
There was total deception, of true interest rates. 
We informed Dentist we had to get a badly needed head-to-toe physical for wife and prior arrangements/appointments to get done. 
Dentist office stated they would stand by and wait for our call. 
Dentist pulled {$32000.00} in my name same day as consultation. 
XXXX. claimed had built all my wifes dentures and retained $ XXXX. 
XXXX. refused to accept a {$5900.00} check, give us all the records/dentures and refused to restore GreenSky lenders. 
Even though a full line item- itemized sheet showed {$5900.00} was all current charges. 
It appears dentist office held/holds $ XXXX, but did not build dentures and had only performed the 3 simple procedures witnessed in office on day of consultation of $ XXXX {$300.00}
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

I went to Experian 's web site to find out why it was reporting a FICO score much lower than XXXX   and XXXX. I own my own home outright ( no mortgage ) and have paid cash for every car I've owned since the mid XXXX 's. Due to health issues, etc., I had to file for Bankruptcy in XXXX and all my debts were discharged. However, Experian still shows 2 accounts with XXXX  XXXX XXXX, one as closed and one as status " unknown '' ( how can that be? ). Since I have hardly any revolving credit, I get why my score is lower. 

My complaint is that Experian offers a " credit score booster '' to paid customers, based on their bank account 's record of whether or not their utility and other bills were paid. However, if you have not banked with one of Experian 's listed 40 banks they say they have no access to your bank accounts and that you can't use this service. They don't offer to add your bank 's routing number. I think this is DISCRIMINATORY.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to XXXX  my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2023-07-11
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: National Credit Adjusters, LLC (FL)

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to report fraudulent activity that has impacted my financial situation. Around XXXX XXXX I unknowingly submitted a fraudulent check to Bank of America that was sent to me by a scammer named XXXX XXXX who reached out to me for a paid modeling gig. I was very convinced that it was real and they sent me a check as an upfront payment and I unknowingly deposited it resulting in the closure of my Bank of America account. I have the emails from when I was first contacted to the name and address of the sender. I am fully committed to cooperating with any investigation and providing any necessary information or evidence. I kindly request that you keep me updated on the progress of this case and inform me if there are any additional steps I need to take.
Consumer complaint received 2023-07-11
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. (CO)

XXXX, Equifax and XXXX credit reporting agencies, only respond that there is nothing they can do. XXXX sent me a letter and did not even allow me to provide them with identification. They just sent me a letter saying we can not verify your identity. The three credit reporting agencies are doing nothing at all. Someone needs to follow up on what they are really doing about my reports. I have also been breached by Equifax XXXXredit reporting, and they have resolved nothing for me. My credit report has been ruined by them. And they could care less what damge they have inflicted on my credit report. They all three agencies do nothing but keep taking false information on my credit reports. And do not verify anything. I can do nothing. I have disputed these items many times to these agencies over 10 years and nothing has happened. I really need help. I have been ruined by these agencies. And Equifax has destroyed my credit file, because they leaked out information of all my personal credit to others. And there is great damage that has been done. And all three agencies ignore my complaints and trying to resolve the false and negative items on my credit file. And when I get any report it is not complete, by no means. I feel the Equifax credit reporting should be held responsible according to the lawsuit. And I am one that was part of it. If there is anything that you can do to resolve this. My life has been ruined because of the outdated and old and false reporting on my credit file. I am just asking please help me with the credit reporting agencies and there assumed false reports against me. Thank you.
Consumer complaint received 2023-07-17
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: Brightwater Capital, LLC (NC)

I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from XXXX XXXX XXXX XXXX in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last XXXX of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (WA)

I escaped from an abusive marriage last year and moved to Washington state. I have lived here for two years now with my family which is why i was shocked to receive a bill from the apartment that i shared with my ex husband when he moved out. Now the whole reason i left XXXX XXXX was due to the police knocking on the door ( when i lived in XXXX XXXX ) if my apartment saying i was unlawfully trespassing by being inside the apartment with my brand new newborn baby because i was not on the lease. I had been removed prior because of the XXXX XXXX. I have contacted the collection company many times they have said they would remove it if proof was mailed. I faxed over proof and they did nothing. I have contacted the orgianl creditor. They stated they no longer own that property and have no records which i know cant be true and even if so i have proof a letter from the current leasing staff saying i was being removed over a year ago. Not only do i need this gone but Id love to have peace of mind knowing this wont happen again
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (WA)

A collection company known as United Collection Bureau , Inc from XXXX Oh, added a medical collection account showing XXXX XXXX XXXX. ( FCRA Violation ) This account was paid in full through my HSA. I provided proof of payment, they sent a letter stating they would correct the XXXX  Credit report as Paid but they refused to delete the collection account. ( this is a FCRA Violation as all medical debt that is paid in full must be removed ) Both XXXX and UCB refuse to remove the collection debt that shows paid from my credit report.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (CA)

I am trustee of an insurance trust, which holds two life insurance policies on my father. we have {$600.00} in an acct at XXXX. Axos bank advertised a desire for business accts and a {$100.00} bonus. they also advertised a fast online process. 

on XX/XX/XXXX I applied online. In that app I provided ALL requested information. at XXXX XXXX I recd email from axos stating they were in receipt, and asking me to upload 3 docs. I had provided those exact docs a few minutes earlier, so our timing just crossed. 

XX/XX/XXXX XXXX recd email with docusign. I signed all docs, which were app, sig card, certification, etc. At XXXX XXXX I recd email stating that my app was assigned to XXXX XXXX. I immediately called him and was able to get in touch. We discussed next steps and focused on the timing of the ach which was a draw from the XXXX acct. I was eager to get funds out of XXXX to avoid another monthly fee. XXXX said he would let me know by calling the next day the timing. THIS WAS THE LAST TIME THAT I HEARD FROM HIM. 

at XXXX XXXX I recd emailed signed documents that I had previously signed. 

I heard nothing until XX/XX/XXXX, an email from axos telling me to logon for a secure message. the message asked me for the same information that I had provided 2 times : first in the initial app. second on the docusign documents. ( my driver 's license, address, email, etc ) I informed them that they had the info but provided it again, and again uploaded my driver 's license. this concerned me that something was off in the processing. 

I waited a few more days, still heard nothing. so I used the service they provided and setup a calendar appointment with XXXX for monday XX/XX/XXXX at XXXX XXXX. this appt was confirmed. and was a wk after app with no new info and no status update. XXXX failed to call me so the appointment did not occur. 

so on XXXX at XXXX I emailed XXXX and summarized the above events, and his failing the appt. I did not hear a response and still two weeks later nothing from Axos. 

Axos is not required to accept my money. I realize that. but they actively solicited and on same day of app moved very qkly. then just stopped. if there was an issue with my acct that they did not like or want, that is their perogative, but they did not say anything. that was my frustration. so I went to XXXX and XXXX and both places were able to open an account within 24 hrs with no duplicative requests for information. 

I no longer want anything to do with Axos but I'm filing this complaint because I'm exposing their behavior.
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. (GA)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

This card offered a bonus cash reward of {$100.00} if your spent a certain amount which I did back in early XXXX. I inquired with the Bank back in XXXX and still waiting for a resolution. The marketing of the cash back reward appears as a deceptive practice as the reward is not paid in a reasonable time frame and resolving is taking an unreasonable time at this point. Perhaps their practice is to delay, delay in hoping cardholders will just close the card without receiving the reward.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to inform you that I was a victim of a data breach, which compromised the following accounts : XXXXXXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX XXXXXXXX XXXX account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and permanently delete these accounts from your records within four ( 4 ) business days. Under the FCRA, specifically 15 U.S. Code 1681c-2, consumers have the right to request that fraudulent accounts be blocked from their credit reports in cases of identity theft or data breaches.

Please confirm once these actions have been taken. Thank you for your immediate attention to this matter.