davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NM)

Attention : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Via Hand Delivery On or about XX/XX/XXXX, I received notification from my Attorney that there was an item on my Credit Report that is not valid. 

On XX/XX/XXXX I contacted the Creditor JEFFERSON CAPITAL SYSTEMS and discussed this matter. 

During the conversation ( AUDIO RECORDING ATTACHED ) THIS IS THE ACTUAL CALL https : XXXX? XXXX & XXXX As you will notice, the company stated that 1. They Acknowledged that NO DEMAND LETTER WAS SENT TO MY ADDRESS 2. They Violated the FCRA by reporting a disputed illegal purchased debt against my credit profile, based on the fact that I was never notified of the claim. 

Their internal account number data is : DEBT DESCRIPTION : XXXX XXXX ACCOUNT : XXXX CURRENT CREDITOR ( XXXX PURCHASE OF XXXX ACCOUNT ) JEFFERSON CAPITAL SYSTEMS LLC XXXX REFERENCE : XXXX AMOUNT OF THE DEBT : XXXX XXXX This is being submitted to the CFPB prior to the Filing of Federal Litigation. 

I ask that you compel this company to follow the law and LISTEN to the ACTUAL CALL. 

We have the actual transcript of the call. 

This is the actual PODCAST of this ILLEGAL EVENT THAT HAS BEEN SYNDICATED Regards XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX
Consumer complaint received 2022-08-23
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: Opportunity Financial, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

I am putting this company on notice. Just recently this collection agency placed a collection account which belonged to another family member on my credit bureau profile. When trying to speak to them they would not speak to me because it was not my account, I did not open this. It belonged to my now deceased mother. 

It is despicable that companies such as AFNI exist and poison the credit reports of millions of innocent consumers nationwide. 

On XX/XX/2018, AFNI reported that I opened an account on XX/XX/2018 for XXXX that was placed for collection with a balance of {$790.00}. 

I do not now, nor have I ever had a XXXX account. My credit rating is illegally being harmed by the actions of AFNI.
Consumer complaint received 2022-01-23
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. (IL)

ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.
Consumer complaint received 2022-08-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC (SC)

I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( XXXX XXXX XXXX ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.
Consumer complaint received 2018-07-03
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)

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Comerica (CA)

XX/XX/2021 Dear sir or madam : The name of the company that I am complaining about is : Direct Express Debit Card ; which is the company connected to the Social Security Administration for disbursing money to its beneficiaries '. This company I believe first thefts large amounts of money from the persons account, and then escapes discussion of these problems by keeping prolonged and tiresome telephone menus and especially, computer systems with impossible log on problems. The simple fact of the matter here is that persons become frustrated and give up trying to get to the result of their problem thus leaving them with the stolen money. 

Telephone conversation is not a substitute for a printable statement - persons need time to cross match information and go to other places to verify what is claimed by the company. They ( Direct Express ) knows that this can not be done by telephone interview. Actually I am not at all able to log on to my account as their inadequate electronic system is such rubbish that a person that follows all of the steps for logging on as they are supposed to, is still unable to be able to do so, from any computer. As if a person is dialing a wrong number and getting only a busy signal, but does not know that he was given a wrong number. 

Please help me to get this company in line. 

Thank you. 

Sincerely XXXX XXXX
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of identity theft. And I also have a alert on my credit report to contact me when applying for credit to make sure it's me. And I have contacted the berues to ask why I'm never called and they said they do not have to call so what's the point of having it. I have no knowledge of none of these inquiries on my report with TransUnion I have wrote in and ask them to be removed and never heard back from them. I would like for all these to be removed immediately thank you. They are Fraudulent each and every one
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (VA)

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (TX)

There is a derogatory medical collection that has been placed on my Equifax and XXXX consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am currently trying to refinance my home and the mortgage company is unable to pull my Equifax credit score. I had this issue a few months ago when another lender tried to pull my score for a loan and said there was a freeze or lock on my account. I had contacted Equifax numerous times and explained the situation and was told there was no lock or freeze on the account and that there should be no issues. The lender tried to pull the score again and had the same outcome. I contacted Equifax again and they advised me to fax in a cover letter, social security card, etc. and explain the situation. Again, I was told there was no issue. My lender has to pull from all three bureaus and this is holding up the process. This has also kept me from obtaining other loans in the past. I really need this issue resolved as soon as possible as I am under time constraints from the bank.
Consumer complaint received 2021-10-19
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: DISCOVER BANK (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-18
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: Harris & Harris, Ltd. (PA)

THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a
Consumer complaint received 2022-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

Back on XXXXXXXX XXXX XXXX my car was stolen along with everything in it ( car keys, house keys, license, registration ect ). This also included my phone. The person who robbed me wiped out my bank account leaving me with only XXXX cents. I contacted my bank ( Chase ) who was able to give me part of my money back but states the other part they are unable to detect fraud. I have been back and forth with Chase for almost two months concerning my {$730.00}.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I used XXXX to get information as to what was the cause of my credit score being what it was on a previous inquiry. I followed the steps and the end result included things that I was expecting, but it was a shock to see info that I was not able to accept. My report number is XXXX. As I scrolled down the line of the names on my report, the first few were recognizable to me as ways I could be identified. The fourth listing was a bit out of the ordinary, due to the place where usually you either see your middle initial or your full middle name. The number of this listing was XXXX. 
Next on the list of names was a completely incorrect spelling of my first name, the number of that listing was XXXX. 
The next was another complete misspelling of my first name. The number of that listing was XXXX. 
These obvious mistakes led me to believe that someone other than myself had used my name and did not know the correct way to spell it. 
The next to the last name on the list was not what could be a mistaken spelling of my name, but a different first name in it's entirety, but my correct last name. This number was XXXX. 
The last one that I questioned was number XXXX. This was my first name and the first three letters of my middle name added to it as if to be all one name. 
When I am filling out any sort of file, application, report, etc. I will do as the instructions ask. This is most likely either to insert full middle name or middle initial. 
I am now concerned that someone besides myself has used my name without my knowledge or permission. 
The list of addresses also contained two addresses that I have never been a resident of. These numbers are XXXX and XXXX. 
Phone numbers that I am not familiar with XXXX. The other two are familiar to me, they are the home numbers of the house I own, and the other is the number for the house of my boyfriend of 15 years. The XXXX is still the active house number where I am an owner. 
The names and dates of the agencies on the report are also not ones that I am familiar with. They are XXXX XXXX # XXXX. Balance {$300.00}. Date opened XX/XX/XXXX and past due date of XX/XX/XXXX XXXX XXXX # XXXX. Balance {$460.00}. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX XXXX # XXXX. Balance {$75.00}. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX XXXX # XXXX. Balance {$75.00}. Date opened XX/XX/XXXX. Past due date XX/XX/XXXX. 
XXXX XXXX # XXXX. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX 's XXXX # XXXX. Balance $ XXXX, XXXX, Never XXXX. Opened XX/XX/XXXX. 
XXXX XXXX. The only thing stated in this listing was an inquiry on XX/XX/XXXX. And what looks to be a phone number XXXX. 
I am requesting more information about these concerns. Please help me to get a better understanding of the report I was given. Thank you.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX accounts 1 ). # XXXX XXXXXXXX XXXX XXXXXXXX, 2 ). # XXXX XXXX XXXX XXXX 3 ). # XXXX XXXX XXXX XXXX, 4 ). # XXXX XXXXXXXX XXXX 5 ). # XXXX XXXXXXXX XXXX, 6 ). # XXXXXXXX XXXX XXXX XXXX 7 ). # XXXXXXXX XXXX XXXX XXXX XXXX 8 ). # XXXXXXXX XXXX XXXXXXXX 9 ). # XXXX XXXX, 10 ) > # XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2021-12-31
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: HYUNDAI CAPITAL AMERICA (FL)

I XXXX XXXX co signed a loan to XXXX XXXX in Texas Never late. 
Car was totaled and insurance company paid car loan off. 
They had the wrong name on check and insurance company sent another check. 
This was told to Kia and they understood. 
Year was 2015. 
I value my credit, and cant understand why this still showed up? 
Please help me. 
Thank you XXXX XXXX It shows on my credit report as insurance company paid in full.
Consumer complaint received 2023-02-14
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. (VA)

On around XX/XX/XXXX, I sent a request to Equifax requesting them to verify the accuracy of the following accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( REMOVED ) XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon the completion of the verification in XX/XX/XXXX, I reviewed my consumer report and still found the same inaccuracies of the above listed items. Equifax claimed they verified all accounts to be accurate through making phone calls to these creditors for verification purposes. I was not satisfied with this investigation. 

Equifax stated the accounts were properly investigated and verified, but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy. 15 U.S.C. and Section 604 A Section 2. 

Around XX/XX/XXXX a " XXXX Dispute Letter '' was sent to Equifax via XXXX mail to follow up on the XX/XX/XXXX investigate they completed, exercising my rights under the Fair Credit Reporting Act, Section 609, to request information regarding an item ( s ) that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Failure to produce these documents requires Equifax to delete the item from my consumer report. 

On XX/XX/XXXX, Equifax cited that through previous investigations these accounts have been verified, however they failed to respond to my XXXX Dispute Letter, failing to produce the original contract ( s ) containing my signature therefore must remove these items from my consumer report. Further more, all accounts listed are still inaccurate.
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2021 Received junk mail from Wells Fargo Bank, N.A. ( 114 ) XXXX XXXX XXXX XXXX, OR XXXX Inside a fraudulent bank statement in my name from Wells Fargo Bank Page 1 , Everyday Checking account. dated XXXX XXXX Page 1, The statement included an assigned account number XXXXXXXXXX Page 1, Assigned to me : My Name Page 1, Stating for direct deposit use : routing number ( RTN ) XXXXXXXXX Page 1, Statement period activity summery Page 2, Overdraft protection statement Page 2, Important account information Page3, Worksheet to balance your account