davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (CA)

had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for XXXX XXXXXXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.
Consumer complaint received 2023-07-13
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. (FL)

I have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

I am a victim of identity theft... someone has used my ssn, dob, name to buy XXXX XXXX. 

XXXX has forwarded the account to collections, hurting my credit. I have never lived at, known anyone or given permission to any persons at the address where XXXX provided this service. 

I have filed dispute paperwork with XXXX, Sequium Asset Solutions and all credit bureaus, but nothing has been returned to me yet.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Corp. overcharged my account on numerous occasions. After adding my credit card statement by calculator, I come to a different amount than their computer calculator every single time. I pay the amount " due '', however, I called on XXXX specific incident and they took XXXX hours of my time arguing back and forth with me to finally realize I was right - the computer made a mistake and they credited my account. However, it 's showing up more than ever and I do not believe I am the only XXXX blinding paying more than what 's due ...
Consumer complaint received 2023-07-13
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. (MO)

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 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (RI)

storage was broken into in XXXX XXXX  NC filed a police report in XX/XX/XXXX XXXX credit card was opened in XXXX with XXXX XXXX called and closed Credit line was XXXX and it was fraud checked the XXXX account and 1 XXXX XXXX XXXX inquiry was done on XX/XX/XXXX a XXXX fortiva card was openend XX/XX/XXXX with a XXXX XXXX  card has been charged on already balance XXXXXXXX XXXX XXXXXXXX card opened in XXXX with a {$300.00} limit balance on that card is XXXX XXXX There is also a alias on my credit ( XXXX XXXX XXXX ) address reporting as fraud to the cards are XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2023-06-26
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: LEXISNEXIS (PA)

My Lexis Nexis report indicates that XXXX XXXXXXXX XXXX  ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my Lexis Nexis file was frozen. 


XXXX XXXXXXXX XXXX didn't have my permission to request a report
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Chrysler Capital has a computer system in place to systematically steal additional automatic payments from customers, after a lease is fully paid off. I had a lease that was paid off on XX/XX/XXXX ( date given by Chrysler Capital ), by XXXX XXXX, in XXXX Then an auto-pay of {$440.00} was deducted from my account on XX/XX/XXXX ( according to my bank, Chrysler Capital stated the auto-pay was on XX/XX/XXXX ). 

Simple mistake, right? Wrong. 

Chrysler Capital never contacted me about the error. If I never contacted them, they would not have reversed the mistake. The first representative I spoke to at Chrysler Captial stated that no payment was taken from me in XX/XX/XXXX. Then the representative gave me " homework '' to go to my bank to get a special bank statement to prove that they took the money from me. 

At this point, I demanded to speak to a supervisor. 

After going through the whole verification process and story again with the supervisor, the supervisor stated that auto-payments had to be manually ended on their end. She also stated that she could see the payment deducted in XXXX, where the original representative could not. 

Something is very fishy about the computer systems at Chrysler Capital. It appears they have been programmed to over charge customers, not refund over charges, and place undo requirements on customers trying to get refunds.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (FL)

After making alternative payment plans with discover loans they reported the student loan accounts as delinquent to the credit card companies for XXXX and XXXX XXXX causing the XXXX XXXX to drop by XXXX point in XX/XX/XXXX. This has caused XXXX to have have increased rates with a mortgage loan application. Also there have been unfair practices when looking to collect payment, such as repeated phone calls and multiple payment letters. Also the interest has compounded tremendously since the beginning of the loan which was originally a XXXXXXXX XXXX loan. When I called in about the increasing payment on XX/XX/XXXX at about XXXX. I was told that there are variable rates on each loan, but on my statements I started with a restructured rate of XXXX during XXXX
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

On XX/XX/2023 Portfolio Recovery call cell phone and didnt leave a message. From this number XXXX. On XX/XX/2023 Portfolio Recovery call again from a different number XX/XX/2023 again no message. They have been calling me for several weeks without leaving no message. On today they called my home phone and left a message about filling a judgment against me. I am a XXXX XXXX XXXX and receiving XXXX  from the SSI. Portfolio Recovery Associates LLC are from the XXXX Co office.
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Refusal to Provide Form 1099-C by Capital One Auto Finance Dear Sir/Madam, I am writing to file a formal complaint against Capital One Auto Finance regarding their refusal to provide a Form 1099-C ( Cancellation of Debt ) for a charged-off debt. This complaint is made in accordance with the authority of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Creditor Details : Creditor : Capital One Auto Finance Account Number : XXXX Date of Charge-off : XX/XX/XXXX Despite multiple requests made through certified mail, Capital One Auto Finance has persistently refused to provide the necessary Form 1099-C. The Form 1099-C is crucial for accurate tax reporting and compliance purposes. This refusal hinders my ability to fulfill my tax obligations appropriately. 

According to the Internal Revenue Service ( IRS ), creditors are required to provide a Form 1099-C when they cancel or forgive a debt of {$600.00} or more. The creditor 's failure to provide this form not only violates tax regulations but also affects my ability to address my tax liabilities accurately. 

I respectfully request the intervention of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) in investigating this matter. I urge you to take appropriate action against Capital One Auto Finance for their refusal to provide the Form 1099-C. Furthermore, I kindly request your assistance in compelling the creditor to provide the required tax documentation promptly. Alternatively, I request that the charged-off debt be removed from my credit report due to the creditor 's non-compliance. 

Enclosed with this letter, please find copies of the certified mail receipts as evidence of my attempts to obtain the Form 1099-C. 

Thank you for your attention to this matter. I anticipate a prompt response and a resolution to this issue. Please do not hesitate to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX : Internal Revenue Service ( IRS ). " Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments. ''
Consumer complaint received 2023-06-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (GA)

I was in an auto accident over 5 years ago and the remainder of my car note was put into collections. I called the company Flagship Credit Acceptance in 2021 in regards to my alleged debt and I was told they have no record of me ever having an account with them. BUT, whenever I check my credit report it keeps popping up as a charge-off and the debt keeps refreshing over and over again. This has severely affected my emotional and mental health and my quality of life. I am a XXXX veteran with 4 kids and I have been denied home loans, auto loans, and risk of unemployment because this debt/ charge-off was on my report. It grossly misrepresented my character ( 15 U.S. Code 1692e ) as an XXXX XXXX veteran of the United States XXXX. Now that I am a civilian, life has been very difficult trying to find safe and secure housing for myself and my children. My right to privacy and my personal information have been misused and abused ( 15 U.S.C. 6801 et seq ) How is it that when I disputed this debt it keeps coming back as " Verified and Accurate '' by XXXX, XXXX, and XXXX? Like who is verifying ME on My behalf?? And also how can they say it's accurate when they don't even have a record on my account anymore? Furthermore, the balances on the charge-offs don't even match! One says for XXXX, and the other says for XXXX! What is really going on?? I do have legal representation and will pursue this matter judicially if necessary.
Consumer complaint received 2023-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Remaining Fraudulent Accounts :
Consumer complaint received 2023-06-12
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: ALLY FINANCIAL INC. (TX)

I arrived at XXXX XXXX in XXXX on XX/XX/2023 with a full approval from XXXX XXXX to purchase a vehicle. I specifically told the salesman I did not consent to a hard inquiry to my credit nor did I want to discuss any other financing options besides what I was already approved for with XXXX. The salesman asked me to confirm my information with a signature to just verify the XXXX deal within their portal. I once again stated I did not consent to any hard inquiry of my credit. Despite this, the dealership processed a hard credit pull and sent to Ally Bank who also processed a hard inquiry on that same day. When meeting with finance I repeated I was not interested in any deal other than XXXX and the deal was finalized with my approved chase offer already in place. The next week while reviewing my credit I saw the XXXX XXXX and Ally hard inquires to all XXXX CBRs. When I contacted the dealership I was told well that salesman is new and there is nothing we can do about it now. I believe this to be a UDAAP violation for deceptive practices and would like the hard inquiries I did NOT consent to removed from my credit reporting.
Consumer complaint received 2015-11-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I was a customer of Scottrade. Scottrade was hacked over two years ago and has done absolutely nothing to help. The identity theft insurance provided by Scottrade does n't work ( the phone number and sign up page will not access my information ) and even if it did work it is only for 1 year and is not retroactive. 
Scottrade was hacked over two years ago and Scottrade thinks it is appropriate to provide 1 year of NON-RETROACTIVE identity theft insurance that leaves a two year gap, where customer are uninsured and have potentially dealt with very serious cases of identity theft.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I filed bankruptcy and want to affirm the note but Shellpoint will not respond to me or my attorney. 

I tried to call the bankruptcy division as suggested by XXXX XXXX and there was no bankruptcy division. The phone just made circular suggestions and kept sending me back to the main number.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Account is a mistake it self because its reporting inaccurate information. The following data is either inaccurate or missing : Date last verified, date open, date last reported, disputed status, last payment, stating a pass due on a collection account, stating open account while in collection and derogatory all at the same time. Previously, disputed account with bureaus and results came back with copy of bill statements. This does not correct the inaccuracies that account is reporting.
Consumer complaint received 2023-06-13
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. (MI)

I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies.

These are clear violations of my federal protected consumer rights
Consumer complaint received 2023-06-12
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: Resurgent Capital Services L.P. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.