davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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: TekCollect Inc. (VA)

Under 15 U.S. Code 1681c1 Companies committing this crime of sharing my personal data and information without my consent. this has affected my credit negatively and I would like to have this wioed from my credit
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (SC)

In XXXX or XXXX of 2022, I tried logging into my experian account and I got an error message. I have reached out multiple times to experian without them being able to fix it. They have escalated the problem multiple times but each time I call, the person says the former person I talked to made a mistake and put the complaint in wrong. Ive been told theres a mismatch in my information, Ive been told that I tried to login too many times and to wait 24 hourswaiting has never resolved this. Last night I was told that my account was compromised and only supervisors could see that.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

XX/XX/2022 I missed appointment at laser a way now they claim I owe them XXXX I have been paying XXXX and Lexington law firm for 2 years and still this information is on my credit report. I want this account off my credit report, I have no documentation but I called numerous time to tell them I cancelled the appointment there was no payment used so I should not have to pay for services I never had.
Consumer complaint received 2024-08-19
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. (NJ)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, security credit serv ac # XXXX date opened XX/XX/XXXX, XXXX funding ac # XXXX date opened XX/XX/XXXX, finwise/aff ac # XXXX date opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-12
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. (MD)

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. The account is XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

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 2023-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I Bought my home in XXXX and set up auto payments with my Bank XXXX for Freedom Mortgage. Beginning XXXX of this year I contacted Freedom Mortgage and informed them that I was changing banks to XXXX XXXX XXXX going through the process of setting up the new service first by calling Freedom Mortgage and giving all information to the agent I received a call from a senior member of the company informing me that they could not accept the information over the phone and was given a web site where to fill out the information. This I followed up on immediately only to receive a notice in the mail that I must fill out the same form and send it in. During this time period XXXX sent a payment and Freedom mortgage also took a payment in the same amount of my mortgage double payment. It took XXXX days for Freedom Mortgage to return my money. I went through the process of filling out the form and sending it to Freedom mortgage and again they attempted to take the funds from XXXX. Once again I contacted Freedom Mortage and was informed that I failed to change XXXX small thing on the form which actually was changed and written in on the second line. Requesting to speak with a supervisor. which I did and she had me go to the Website where she walked me through the process informing me that I was all set, and that the problem was solved. Again, this month they attempted to take the money from XXXX account now closed. Causing a minus on my account, late payment to Freedom all of which is going to affect my excellent credit score of XXXX That I have worked so hard to accomplish. 
Yesterday XX/XX/XXXX I contacted the office Freedom Mortgage requesting to speak to a supervisor again only to be told not available and some clerk who informed me he was working from home informed me he was sending in a request for me to receive call back.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are two loan accounts reflecting on my credit report from XXXX XXXX XXXX OF, one in the amount of XXXX and the other {$6000.00}. These accounts are showing as a collection, however based on the Statute of limitations by California law these accounts are not allowed to reflect in my credit history after four years. These accounts were closed XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX XXXX XXXXd ( 2 different cards ) XXXX XXXX XXXX XXXX XXXX ( 2 different cards ) XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (TN)

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 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (FL)

XX/XX/XXXX Valley National Bank withdraw {$1400.00} - Bank was not authorized to proceed with that transaction The Bank failed to inform me that I don't have active flood insurance on file. Since XXXX I always had property and flood insurance. My insurance agent had all my information and was always contacting the bank. 
Bank contacted me in XX/XX/XXXX ; my insurance expired in XXXX XXXX it was way too late because Bank decided to purchase insurance for me and post charges of 1,400.00 ( 4 months coverage ) on my account and withdraw money from my account without my authorization almost a year later in XX/XX/XXXX.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( XXXX, XXXX, Transunion ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

My car was a total loss. I have a statement and documents that show the payoff for my vehicle is $ XXXX. The insurance company said the payoff is $ XXXX. 
How and when was it made legal for auto finance companies to provide ONE payoff amount to me, then give a higher payoff amount to the insurance company? I have documented proof of my payoff, but since my insurance company called, auto finance companies can say the payoff is higher than what I am told? Bottom line, I call and got payoff, its $ XXXX, but since insurance company called, the payoff is $ XXXX. How is this legal? Regardless of the type of financing and or really anything else, how is this legal? 
This seems like a complete scam in which an insurance company and auto finance company work together to XXXX over consumer 's! 
It boils down to, since the finance company can not resell the car, I am being charged the $ XXXX difference, which they call cash value! But if I call, which I did and got the same payoff as my statement? $ XXXX! So how is it that the auto finance company can charge more just because the insurance company called and said total loss. So again, the only difference is who called the insurance company! 
I have documented proof of the payoff, if I paid the car off myself, I would of paid $ XXXX and the car is mine. Then the insurance company would of sent me the entire amount! But since the insurance company called for the payoff, they can charge a cash value for the car? Even though I got a payoff, that is an actual payoff for the car. The auto finance company knows it a total loss so they charge for the fact they can not resell the car so they charge me $ XXXX more? But again, I call and get payoff, its $ XXXX less? 
How and who made this type of thievery legal? Sorry for the repetitive nature of some of my comment 's! I am truly having a hard time understanding how this is even legal. nothing about this seems even slightly legal.
Consumer complaint received 2022-01-20
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: TRUIST FINANCIAL CORPORATION (GA)

I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS SUNTRUST AND XXXX LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).
Consumer complaint received 2022-01-20
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

The Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

My complaint is against Cash App. I disputed a transaction that was charged on my card XX/XX/2021 due to no services rendered. They refuse to credit my account for that transaction. I was told they would provide me a credit in 45 days of filing the dispute, which I believe was done on XX/XX/2021 on the phone with Cash App support. I havent received a credit to my account and its been well over 45 days since the dispute was filed. I received an email the other day that they were closing the dispute case now. How can they close the case when nothing has been resolved yet?
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have sent in numerous complaints about the ongoing violation of my consumer rights and breaking of the law by TransunionI have been mistreated, lied too and disrespected by Transunion for a long nowThis has to stop immediatelyIve attached a letter and an FTC report stating the violation and misconduct on the part of Transunion
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (DE)

Several times a day get calls from XXXX for someone whose name we do not recognize and who does not reside in our household. The caller is a recorded message and claims to be Truist bank and gives us a reference number to call them back. Seems to be a debt collection agency. We have no business with that bank and that bank isn't even in the part of Delaware where we live. So not sure why they keep calling. We did not want to call them back as we just want them to leave us alone. They seem to have the wrong number for whoever they are looking for. Sometimes they call several times a day.