davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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: ENCORE CAPITAL GROUP INC. (TX)

My identity was stolen. I reported it to the credit bureaus. I reported it to the credit card issuer. I reported it to the debt collector. They all do absolutely nothing. They are worthless, only pretending to do an investigation. They lie when they say they send requests for information or copies of reports. They should all be in jail. XXXX XXXX XXXX, Midland Credit Management, and XXXX in particular are loathsome.
Consumer complaint received 2022-11-28
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. (GA)

XXXX XXXX # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2022-11-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: Comerica (MI)

excessive closing penalty CD fully matured on XX/XX/2022 Requested that account be closed on XX/XX/2022 Bank charged penalty because account was not closed within 3 days of XX/XX/2022 My position on this account is that I should only forfeit interest earned after XX/XX/2022 the bank has instead cancelled all interest earned prior to XX/XX/2022
Consumer complaint received 2022-11-29
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: Bread Financial Holdings, Inc. (CA)

received hard credit inquiry from my XXXX  acct from Comenity bank XXXX XXXX for credit card. called XXXX  and was told this was credit card application. 
called comenity / XXXX and they confirmed this. they used my ssn and my address but had different phone number and email when application occurred on XX/XX/26. 
the company has canceled the application. 
this is second episode that has occurred to me in past XXXX mos.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (AZ)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 
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  This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

On the date of XX/XX/XXXX i sent out a dispute letter for XXXX XXXX XXXX with the amount of {$6800.00}. 

I sent off the XXXX letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. 

I sent out the section XXXX letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item from my credit report.
Consumer complaint received 2022-11-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I Contacted Experian to have 2 credit cards which do not belong to me removed from my report. Both cards were opened 5+ years before I was even born. They removed 1 ( XXXX ) card, that was already closed, but declined to remove the ( XXXX ) card, that is still active. 

I also contacted XXXX XXXX customer service and they were unable to connect me to someone that could help.
Consumer complaint received 2022-11-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (FL)

Debt to Speedy Cash was sold to debt collection. Original debt was taken out in or about XXXX  XXXX XXXX ( XXXX ) for Speedy Cash was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

XXXX  has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX  receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. 
Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. 
This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

Purchased washer dryer for {$1800.00} in XX/XX/2022 from XXXX XXXXXXXX. They recommended American First Finance as a way to lease-to-own. I signed up and W-D were delivered and installed. I received a call from someone at XXXX but I didn't feel comfortable giving my SS # to her and told her I'd call her with questions, assuming I'd receive the contract. I moved here recently and started a new job so forgot about it. This month I thought would be the last payment ( $ XXXX ) as I've paid {$2700.00}. When I went on like I found to pay off the note will be another {$2900.00}. That's a 300 % markup. No way. I called and learned that it's true. How is that possible. If I waited the entire time it would be {$7000.00} - 350 % mark up. I'm fine with a charge. Expected something but not 300 %. It's wrong, a bad business practice, and a hardship for the public.
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was approved for 18month of payment assistance from XXXX XXXX XXXX and only 2 payments have posted on my account no payment was made since XXXX so my account is extremely past due for XXXX, XXXX, XXXX payment please help me get these payments applied! I recently received a letter stating my mortgage with transfer to XXXX  as of XXXX XXXX but my account is past due from payments not being applied from XXXX  so what is XXXX  puts me in foreclosure please help me bring my account current before the transfer also I have called XXXX  requesting tickets be put in on applying my payment because XXXX stated they have been sending out payments the XXXX of everY month. Please help me find a solution to get my account up to date.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2022-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

Speedy cash offers payday loans. 
The amount was about {$500.00}. 

I paid already {$360.00} or so. 

The amount due last week was {$540.00} left which was still High almost double the original amount borrowed Now today after speaking with them About payment options and help I now see the balance went up to {$780.00} So {$1200.00} for borrowing {$500.00}? 

This doesnt seem to be something thats fair. In addition the original loan mentioned an installation payments- not sure how payments are {$340.00} a month? 

I believe the fees are in question here, and the companies unwillingness to work with me at all. Telling me that there gon na draft it out of my account I was calling ahead about a weeks time to find out hardship payment options whether I could pay at least {$100.00} now and spread the payment over time? Or any assistance- they said no. 

I am reaching out because we are about to loose our home and car, and cant afford for any accounts to be overdrawn- especially when I am trying to communicate the financial hardship I am experiencing I suffer from XXXX and am on XXXX- this is a lot of pressure on me alone
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (GA)

the company at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Have attached themselves to my credit report stating i opened a account on XX/XX/2021 in XXXX, Texas, I never received a notice of approval, account number, nor merchandise from this company at the time in question there was and had been a freeze on my credit report for serveral years. i contact the company about this and upon contact they told me the acount was opened in XXXX, texas... I then immedialte informed the representative that ive never lived in texas i own my home and have lived in ti for over 20 years as well as there was and still is a freeze on my credit report. so the account couldn't be mine. and that i had never received any of there merchandise nor service at the time i found out they were on my credit report was second week of XXXX XXXX showing i was past due by {$400.00} and the all of a sudden out of the blue around the second week of XXXX XXXX i get a billing statement from swiss colony at my real present address. i contact the company again as well as XXXX about the matter, the agent at swiss colony told me they used public records to get my address, so again i asked them for the shipping address to where they sent merchandise in XXXX, texas or the address to where they had been sending statements before searching public records to obtain my address and i was told i could not have that information cause it was irrelevant. XXXX the account had been written off as bad and charge off on my credit. i filed a dispute with the credit agency and XXXX did nothing knowing very well i had a freeze on my account at the date of said account. i havent been able to get nothing resolved on neither end from the company nor XXXX.
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2022. I contacted US bank today and spoke to XXXX who states that they did not receive the payment and can not provide any further information. I want to escalate this matter as the end of the month approaches and I do not want any late payments reported to the credit bureaus. i would like for Us bank to research further to find the payment. Thank you
Consumer complaint received 2022-11-28
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (TX)

Received a Debt Collection letter for Harris & Harris LTD. I made a payment after being threatened. I do not owe XXXX XXXX or Harris & Harris. I only paid to stop the harassment. Then when I made the payment and paid in full I was advised that it would be 30 days before a receipt or a paid in full letter will be sent to me. Harris & Harris Debt Collection threatened me and took my money. Please help me. I have called and requested a receipt and Paid In full letter and have been told that I will get a receipt in 30 days. Unfair and Deceptive practices.
Consumer complaint received 2022-11-28
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-09-06
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: AMERICAN EXPRESS COMPANY (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

USCB AMERICA is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.
Consumer complaint received 2022-06-25
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. (FL)

By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  bank, acc # XXXX, XXXXXXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.
Consumer complaint received 2022-11-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHSTATE CORPORATION (AL)

This is in response to the company 's response. 


An appraisal was performed by another company and the appraisal was returned to be {$500000.00}. How can an appraisal be so different from your bank and from a new loan company? This is why discrimination is being asserted, because no additional work had been performed on the property. And, XXXX XXXX came to the property and spoke with me. He asked questions of me that I did not feel appropriate to ask in regards to, " why am I building a house this size? '' What does that have to do with my loan and who I am? The appraisal is included. I would like to have a review of my loan performed by an outside company, a mediator to resolve this issue. Yes, I admitted to wrongdoing, but that house was worth much more than your first or second appraisal received. I have a copy of the appraisal stating the {$500000.00} I would be more than happy to share. XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}
Consumer complaint received 2022-09-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.