davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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: LCI Acquisition Inc. (OH)

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

A fraudulent CHEACK was written out of My Bank, Without MY Knowledge or Authorization. Bank CLOSED account AGAINST MY WILL. 
and said that I closed account. 
Caused high Risk score. And prevents Opening a New bank account.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ;
Consumer complaint received 2023-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MS)

I have been trying to access my account for almost 2 months I simply need my phone number updated. I've contacted them via phone and email. I even talked to a supervisor was told to submit certain documents since my id is expired and I done so more than once and all they do is start over on requesting documents. I was out of gas on side of the road and told them my issue and was reassured several times I'd be able to access my account and this was 3 days ago and I still can't access my account.
Consumer complaint received 2019-06-03
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: ENCORE CAPITAL GROUP INC. (UT)

XXXX XXXX XXXX continues to report an account involved in fraud and unauthorized use of my name. The account was involved in fraud and debt that I never used. Nor authorized. The card was never in my possession. 

I filed a police report in regards to the matter back in XX/XX/2012 as the card was stolen when my house was broken into and then my house was flooded. Due to moving and living situations I never had a chance to resolve this matter. 


They can request a copy of Police report - # XXXX
Consumer complaint received 2023-09-26
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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.
Consumer complaint received 2019-06-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CO)

Discussed in XX/XX/XXXX : Earned income was not paid to me, with only receiving SSI, and I fell behind on truck payment. 
I tried to refinance or lower monthly payment, and lender refused.

After offering a voluntary repossession, Well Fargo Dealer Services agreed to let me try to sell vehicle in order to cover or reduce the total debt I would be left with. 

Discussed in XX/XX/XXXX : I had tried to sell truck with signs, car lots, friends and posting on XXXX. Any offers were lower than offered price, and I reduced listed price on XXXX to amount I could cover and still pay off at dealer. 
I called WFDS to come get the vehicle, as I could not sell it, and still was not able to pay for it. 
After still no contact for truck pick-up, I called in and was told again that they were coming to get it. 
My registration tags were due XX/XX/XXXX, and they were informed I was not driving and that the vehicle was still not picked up. 

Escalated communications and failed pick-ups to Office of the Presidents XX/XX/XXXX After several discussions, I learned that they charged off Full Debt against my credit file, with no credit for truck value since they continually failed to pick up my voluntary surrender. 
The " Office of the Presidents '' ( very unprofessional and clueless ) continued to delay and say they were researching, yet after further escalations to manager and senior managers they insisted I owed the full amount due even when I had received no paperwork confirming truck pick up, warning of total debt write off and credit reporting, final demand letter, and nothing else for almost six months. 

During the first week of XX/XX/XXXX, the team leader XXXX XXXX stated nothing further was being resolved, and that I would receive paperwork and the truck would be picked up. 
I still have received nothing in the mail, and no contact for voluntary pick-up. 

XX/XX/XXXX XXXX, Senior team leader to Office of the Presidents,  still never found my certified/signed receipt letter that shows received at her offices XX/XX/XXXX, which I e-mailed to her. 

They have been aware of my dire financial situation, and that the truck payment and insurance was almost half of my SSI. They also knew I was trying to get another vehicle, and wanted a smooth transition so my credit would not be impacted. 
They have deliberately delayed/ misled me, ruined my credit report until I will be XXXX years old, and removed my ability to find new employment which requires a truck. 

I am still paying insurance, and then find out I owe the whole cost, as if it were destroyed anyhow!!
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Hi, On or about XX/XX/2012, I was assisted by XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX ) and later received a bill for {$680.00} for their service. The phone number I used to inquire about this belongs to their billing administrator, XXXX XXXX, XXXX, and it is ( XXXX ) XXXX I never paid the above bill and it was then turned over -- possibly sold -- to a collection agency by the name Fidelity Creditor Services ( located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX ) I noticed that Fidelity Creditor Services had applied an interest charge to my original debt of {$680.00} ( something not done by XXXX XXXX XXXX ) and it now stands at a whopping {$1100.00} The above figure of {$1100.00} is a total of almost 70 % above my original bill from XXXX XXXX XXXX. 

Can they do this? Medical bills are hard enough to pay without a grotesque amount of interest added on to them!
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am trying to buy a house and Equifax is still showing negative information on my report that does not show accurate information. According to the FCRA 609 rule any reporting agency that reports my credit has to be 100 % accurate. The account numbers are not even being displayed correctly on the accounts and I never gave authorization for any thing to be altered on my report. I've filed a police report and have attempted on numerous occasions to dispute and have these accounts removed via certified letters sent directly to the Equifax bureau. The companies below are not displaying 100 % accurate information, which is in direct violation of the law. Please remove all of these inaccurate accounts from my report immediately as this is hindering me from obtaining any future credit. 


XXXX XXXX  XXXX Open Date XX/XX/2013 Amount {$12000.00} XXXX  XXXX  Open Date XX/XX/2013 Amount {$3900.00}
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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 2019-06-03
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. (FL)

ALL 3 " CRA '' REPORTED OVER 47 INQUIRIES UNAUTHORIZED REVIEW OF CREDIT FILE WITHOUT MY CONSENT, OUTDATED INQUIRIES OVER 2YRS OLD 2017, 13 HARD INQUIRIES AND 34 SOFT INQUIRIES ... ALL 3 " CRA '' VIOLATED " FCRA '' PROVISIONS 604, 607, 611 AND 623 ... .NOTE : ( EQUIFAX REPORT CONF # XXXX )
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (AL)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( XXXX XXXX XXXX XXXX ). Because the balances being reported by your company and Experian are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to XXXX XXXX, XXXX on behalf of XXXX XXXX ( AL ) on XX/XX/2023. 
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to Experian reads {$1600.00}. 

( Proof has been included below )
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I talked to a representative at Experian and we figured out the issue of why my credit dropped. The Experian representative informed me they only report what the company sends in so the error could not be the fault of Experian. After contacting XXXX  they informed me Experian made an error so I'm refiling this compliant with the updated information I gather from Experian today XXXX. The issues at hand is last month XXXX XXXX  reported my XXXX  loan accounts as current/terms meet, meaning I paid off or paid the loan which was an error and incorrect information. The status of the XXXX  account in XX/XX/2024 should have been in charge off status like it's been for 2 years. This month which is XX/XX/2024 XXXX  reported the account as a charge off again, which dropped my score. XXXX reported false/incorrect information for the month of XXXX which caused my score to plummeted. This is unfair and highly illegal. Reporting wrong information is in violation of the FCRA and by XXXX  reporting incorrect information about the status of my account in XXXX XXXX should be deleted from my credit report due to the damage it has caused. If XXXX  claimed I paid in XX/XX/2024 ( which I didn't ) or that the account was current, how can they turn around the next month in put it back in charge off status in XXXX. I would like a detail explanation explaining why this occured and why experian reported this incorrect information. When you can clearly see it was an error.
Consumer complaint received 2016-02-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (UT)

We applied with our lender for a loan modification before and after our Chapter XXXX bankruptcy. I had been out of work for two years and my wife had XXXX. We are on our feet again and want to keep the home and pay the mortgage, The lender, US Bank seems to be purposefully doing our loan modification application slowly while at the same time there is a trustee sale scheduled for XXXX/XXXX/2015. We have a account contact person but they are not helping in any way and never return our calls or emails. The trustee attorney for them is no help either.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (OR)

I went in-person to cancel my membership with XXXX and signed the cancellation form effective XX/XX/XXXX. This was the only way to cancel the membership as relayed to me by the employees. The form showed no fees due for the cancellation, as I terminated this within 1 month of the next installment. On XX/XX/XXXX, I received a debt collection from Aldous & Associates claiming I owe XXXX {$24.00} for a defaulted installment contract. This is the first time I received anything in writing regarding this claim ; prior to this, I never received a notice from XXXX about this claim, and never got the opportunity to dispute this before it went to collection. 

I called the creditor attempting to dispute this claim ; however, the representative was not interested in my dispute and never offer me an option to process the dispute with them. He said I didn't cancel my membership in writing. He was insistent on trying to get me to pay the debt and threatened he'll report me to the credit companies if I didnt pay.
Consumer complaint received 2019-06-03
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: CORELOGIC INC (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am emailing to inform you of an incident that happening this past weekend, XX/XX/2019. My debit card was taken by the XXXX XXXX ATM ( XXXX ). The atm said that it was out of service and would need maintenance. I return to the branch Monday morning to retrieve my debit card only to be told that they didnt have it and a service call was never placed on that atm. Which leaves the question, well where is my debit card? 

Turns out SECU released MY debit card to some random person that later walked up to use the ATM. I have been in banking for years and a former SECU employee and I am sure that is not how that is suppose to work. My debit card was given to some random stranger and is currently circulating around XXXX County all weekend and I can only imagine the damage that has been done. 

The only service I can get from the Branch is to order a new debit card, but that doesnt give me any peace of mind knowing that SECU practices giving away important information to anybody. They dont have to be the card holder to get my card released from the atm. What steps were taken to verify the identity of the person calling in? 

I will be sure to share this experience with everybody I can. With all the fraud that already exist, people should be aware of what banks and financial institutions are not actively trying to protect them and their assets.