davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
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. (NY)

After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor.

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).
Consumer complaint received 2021-07-18
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. (NY)

The following hard inquiries listed on my credit report ( s ) were not authorized : EQUIFAX - XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (MN)

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.
Consumer complaint received 2021-07-16
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. (FL)

*PLEASE NOTE I OPENED XXXX COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! * On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.
Consumer complaint received 2021-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-07-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

I was Denied a {$400000.00} VA Mortgage Application with Veterans United Home Loans Application # XXXX and Loan # XXXX on XX/XX/2021 within 2 days of application. Reasons for denial provided " via voicemail '' were that XXXX & XXXX XXXX Income were not sufficient income alone for approving the loan regardless of VA Certificate of Eligibility, 810 ( 3 ) Bureau Beacon Score and {$120000.00} of cash down payment. I guess I should have known better to apply for a VA Home Loan without a Job but I have an email inbox FULL of Negative Job Hiring Decisions from Government & Private Employment Applications. So, I tried anyway. They also said " when your situation changes, please give us a call ''. Now, I have a " lower Beacon Score '' because of the big " inquiry '' on my credit report. Why couldn't they " pre-qualify '' me without an inquiry? I thought that was one of my rights with a VA Loan. How many other VA Lenders should I try? I will have to get a job 1st I guess which is easier said than done.
Consumer complaint received 2021-07-16
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. (OH)

on XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report and to this day which is well over 60 days, I have yet to receive a response. At this point I feel like my issues aren't being taken seriously and I feel completely disrespected in regards to my disputes. I know that things are moving slow due to COVID but the law is the law and I should have received a response by now and since I haven't all those inaccurate items needs to be removed from my account immediately or we will be heading to small claims court which I have no problem doing. My information was apart of the equifax data breach and could have been placed into the wrong hands.
Consumer complaint received 2021-07-18
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. (MI)

I have contacted XXXX  several times explaining to you that I am a victim of identity theft but you have not done anything to get this Fraud information removed from my credit report. Again I am submitting my request along with an identity theft report including the dates someone else used my information trying to open accounts in my name. I did not do this & I do not know who did this! I have never got anything from these places at all. Please delete these fraud inquires from my report.
Consumer complaint received 2021-07-18
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: National Consumer Telecom & Utilities Exchange, Inc. (NV)

Regarding closed complaint # XXXX On XX/XX/XXXX I received a letter from the National Consumer Telecom & Utilities Exchange stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. Per my first complaint, I tried repeatedly to contact them unsuccessfully. 

Once I filed my initial complaint on XX/XX/XXXX, XXXX at the NCTUE contacted me by phone to figure out what was going on. We went back and forth. She couldn't find anything. I emailed her a copy of the notice on XX/XX/XXXX and a smaller copy of the notice on XX/XX/XXXX because my 2MB photos were too large for her email system to take at first. We went back and forth again, and she said she would send the copy of the notice to her bosses to figure out. 

I was patient and waited. On XX/XX/XXXX, I emailed her again to ask for an update. I never heard back. 

Are you sure NCTUE is a real company? I am concerned that this random company has my SSN, DOB, and full name and info, which I gave her to help find my information in her system to find out why I was sent that notice. Because of this, I am deeply concerned by her lack of follow-up.
Consumer complaint received 2021-07-18
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: Bread Financial Holdings, Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

Resident of XXXX XXXX, XXXX Kentucky. Moved out 9 months pre-lease expiration but continued to pay lease until expiration ( on time ). Approximately 2 weeks prior to lease expiration XX/XX/2020 ( week XX/XX/XXXX ), had moving/cleaning company remove items and clean. Notified by cleaning company that kitchen trash compactor stopped working during move-out cleaning process. I contacted via email management and informed that trash compactor inoperable. As such, water that cleaning company used to clean kitchen dishes, etc. could not be drained. Response email stated they would service. Images sent from hire company of cleaned apartment. Later, received a cleaning/repair bill for roughly {$500.00} dollars for cost of trash compactor repair, a non-use water ring in 2nd commode, and accumulated dust collected under the " hob '' of the stove. Company also refused to return rental deposit. I have images and video taken by the moving/cleaning company that show a well-cleaned, undamaged apartment. Images clearly indicate company has used less the minimal wear-and-tear to falsely claim damages and thus, inflated amount of debt.In addition, company has reported this item to all 3 credit reporting agencies. I have phoned the company twice ( have recordings ) and tried to address issue. I have other video but are greater than 10Mb.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. I applied for the capital one walmart card on XX/XX/XXXX, it was approved immediately, however with an insanely low {$1000.00} credit line, this is the lowest credit line I've ever had, with such a low limit, I can't even use this card properly. 

2. It's impossible to active this card, I received the card on XX/XX/XXXX, when I try to acitvate it online and through mobile abb, their website keep throwing errors, and ask me to activate through phone. However when I called the provided number and entered my information, it always direct me to a infinite wait for a representative to be available, I end up hanging up after waiting for more than 30 minutes, it's impossible to reach their customer service team and get help.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SinglePoint GI (IL)

XXXX this number is calling any person associated with me and leaving voice mails. They called every family member and now found out they called my work and tried to ask personal information about me to an associate. 

I have no idea who they are. I receive several scam calls from this number and other numbers leaving threats in voice mails saying I will be served and arrested for some collection. Some voice mails provide a social security number which isn't even mine. I get unwanted calls constantly and they should not be calling family members or work. I know it is illegal for anyone to say anything personal about me to anyone else rather that information is false, as well as constantly calling with threats.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

XXXX XXXX is trying to say a simple clog cost over {$4000.00} in damage, their repair guys said it was the pipes and not the clog, XXXX XXXX is going after me anyway. Hunter Warfield bought my debt from XXXX XXXX and is now harassing me and ruining my credit trying to get as much money out of me as they can. No one is getting a dime from me, the debt is illegitimate, and Hunter Warfield needs to cancel it and move on.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as XXXX  and Equifax on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.
Consumer complaint received 2024-08-22
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. (TN)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the o
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-07-16
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. (TN)

I XXXX XXXX, rights of privacy have been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

my PayPal is a business account, on XX/XX/XXXX I got a transaction of {$2500.00} and PayPal blocked my account all of a sudden putting it on 180 days limitation, please I need the account to be rectify because its my business account and I am fully aware of the transaction on the account
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (SC)

I received a letter in the mail from Source Receivables Management dated XX/XX/2021. This is the first letter that I received from this company. It is regarding a bill on the letter it stated that I had 30 days after receiving this notice to dispute the validity of this debt, or any portion of the debt. I sent my response letter dated XX/XX/2021, certified and per the tracking, results were delivered on XX/XX/2021. As you can see this is well within the 30-day notification window. By law, if a consumer requests validation of debt the creditor should not report this to any credit reporting agency until I have had my legal timeframe to validate the debt. I have yet to receive a response from Source Receivables Management, but just yesterday it started reporting on my credit report to every agency. This collection account needs to be deleted from my credit report as I was not given my legal right to validate this debt.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX account, Inconsistency in data reporting between bureaus, invalid date last active, invalid date of last payment, reporting, collection reporting with payment history and past due amount when a collection is past due by default.