davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (IN)

NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and I am an XXXX   lady on the fix income. I have been paying my credit card with Capital One for more than 3 years. I saved some money to pay it off and on XX/XX/20 I have made a call to Capital One and was told that to payoff the card, I would need {$1500.00}. The call was made to XXXX at XXXX. The representative confirmed the amount of {$1500.00}. I called back and authorized the payment on the automatic system that was also {$1500.00}. On XX/XX/20, I checked the bank statement and the amount charged was {$1900.00}. I called Capital One on XX/XX/20 at XXXX XXXX and supervisor said that I actually owe {$1900.00} and not {$1500.00}. When I asked how is that possible that information changes on automatic system and representative, she responded that she " does not know ''. I have explained to the Supervisor XXXX ID # XXXX that the amount does not change in 1 day when I have not used the card at all in years and was making the minimum payment. The Capital One never had my updated address, so I never received any of my statements. The Manager promised to send me the statements within the next 10 days. The whole situation is very upsetting because I feel that Capital One is taking advantage of the XXXX  less fortunate clients.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am quite attentive to my credit. Recently, Equifax dropped my credit score by XXXX points but showed no reason for such. The only two changes to my credit were I paid DOWN my balances. XXXX increased my score by XXXX points for the same reason. 

I can not find a single reason why my score would drop so drastically and have been unable to ascertain from Equifax as well. To drop my score at all, let alone XXXX points, for paying DOWN my balances seems ludicrous to me.
Consumer complaint received 2020-01-16
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. (CT)

I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX, XXXX } off of my credit report.
Consumer complaint received 2020-08-05
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (LA)

This started about XX/XX/2020when I was tried to purchase a car. A salesman pull my credit report and score to sale me a vehicle. I was denied. I went on line to retrieve my report. I got 2 reports Equifax stated " NO SCORE '' I called them to ask them to remove the freeze, If there was one there. The representative said that she did not see one. She said " she will mail me a copy of my report and score for free ''. I received the report and score about 10 days later. XX/XX/2020,. I tried to get a loan and was denied again. I repeated the same process and was told the same " no freeze '' The representative asked me to go directly to www.equifax and I will have a 30 day free trial. Stated that anyone who I give permission will be able to see my report. I printed a copy of my report and score. aboutXX/XX/2020 I applied for a loan and was denied again after Equifax representative told me that I would have a 30 day free trial and that Anyone will be able to retrieve my report and score. I tried to pull my report just to check and report still said, " NO SCORE '', I continued to check and at the same time talking to Equifax representative to find out what was going on she was telling me that she saw no problem on her end. Stated that they had a problem about 2 years ago with a scam. She also tried to tell me that no one has been reporting about my credit. I stated that, that could not be true because I had been applying for loans every since XXXX. On the reports that I received by mail and printed. It had all updated information.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

The company violated my rights under the fair debts collections practices act in that i have never received the following. 

No attempts or Notifications by mail in order to dispute their actions if any taken. 

Indicated on my credit reports that the debts was owed without my signature or original documentations that i agreed to a third party collections. 

The company went to XXXX and said that i opened an account with them which was a fraudulent and blatant Lie in order to collect an alleged debt with them. 

The company name is I.C. Systems XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX alleged amount owed XXXX ending account number XXXX I received this information by XXXX identity theft protection. 

My identity theft happened in this state of where government offices was notified by my affidavit of identity theft because someone has taken out credit in my name for houses and utilities. 

On XX/XX/XXXX i did not open or agree to them to collect any debts via 3rd party with them and only the originator of has the right to contact me not them. Deceptive tactics was used by then which is illegal. 
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act
Consumer complaint received 2020-08-05
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. (NY)

There is an account called " XXXX XXXX XXXX '' that shows a collection account for {$850.00}. I have tried to dispute this item several times but only get a response that it meets FCRA requirements. I have no knowledge of this account and believe it was open fraudulently. I would like to have this removed from my credit report.
Consumer complaint received 2023-05-12
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. (NJ)

I checked my credit report and found information was incorrect. XXXX credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). You have no right to these decline this reports as unaudited information unless you provide evidence within the time allowed by law. Due to inaccuracies in my credit report file, I need to investigate and correct the following items. 
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
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXXXXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (DC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

Someone tried to con me into using my credit card to purchase over {$6000.00} of merchandise. They played it under the guise of a job offer, and gave me a bank account number to pay off the credit card with. Unfortunately, the bank account was closed or frozen or something, and my credit card payments were returned. I returned the merchandise, so no money was lost. However, Citi closed my account because of this situation.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My mortgage loan servicing will not cancel my PMI.I have been up to date with my payments. I have requested cancellation of PMI in writing and send it through email on XXXX XXXX. At the time my LTV was 78 %. Now it's at 68.7 % and haven't received anything in writing or email about cancelling my PMI. I called the loan servicing on XXXX XXXX and request to cancel my PMI over the phone the rep said she would take note and i requested a confirmation number which is XXXX. I processed to call XXXX XXXX XXXX about my private insurance but they weren't able to obtain any information from them. I would have to speak to a loan servicing rep from lakeview loan servicing. I asked a question how long does it take to can a PMI? the rep answered with as soon as they receive a call from lakeview servicing loan it would take minutes to go ahead and cancel my PMI. I processed to call lakeview servicing but keep being transferred to another department. i also email Mrs. XXXX XXXX about my issue but she answered with im out of the office and click link to below to fill out XXXX XXXX XXXX XXXX. The submission is XXXX.
Consumer complaint received 2020-01-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, Transunion, XXXX   and XXXX has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7
Consumer complaint received 2020-08-05
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. (MI)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XX/XX/2019 and was considered to be late. However, my payment confirmation and transaction history from Chrysler Capital shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from Chrysler capital on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-19
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: Shellpoint Partners, LLC (IL)

On XX/XX/2019, I called to initiate a 3 month repayment plan that included the XXXX payment, that would be added into the XXXX, XXXX, and XXXX payment. I spoke with multiple reps and Supervisor 's over the course of a couple weeks to get clarification and adjust payment dates. Each time I spoke with a rep. I asked about negative remarks on my credit reports, and they all stated that their would be no remarks left on my credit report if the instructions of the repayment plan were completed correctly and timely. A complaint was sent to CFPB about the aforementioned issue because I was reported incorrectly for XXXX. The company responded and stated in the attached document, that they did in fact report XXXX to the credit bureaus in error, but found that they did report correctly for XXXX. Attached you will find the response from the mortgage company. My complaint is that the XXXX negative remark is a error as well. The repayment plan was cancelled and restarted, and was to include the XXXX payment, which according to the repayment plan, the XXXX payment had to be received by XX/XX/XXXX to avoid negative reporting. A payment was made on XX/XX/2019 for {$2000.00} which was the initial down payment and the requirement needed to avoid negative reporting for XXXX. This was all advised by the Supervisor I spoke with on XX/XX/2019. She stated that if I made the down payment and returned the documents, negative remarks will not be made. I clarified 3 times before ending the call. The original repayment plan was altered but still included XXXX. The Repayment Plan document states " As of XX/XX/2019 the total past due amount is {$4000.00}. This amount includes all past due payments of interest, principal, and escrow .... Your past due amount is now part of your new total monthly payment amount listed in the repayment plan terms section below. '' It states later on the document ; " The initial payment of {$2000.00} must be received in our office on or before XX/XX/2019. '' Therefore, I should have been protected from any negative reporting for XXXX and XXXX because the repayment plan terms clearly outline that all past due amounts are included and it also includes the down payment date and amount which received on XX/XX/2019. This has now happened 4 times, and twice the company has acknowledged they made a mistake, this complaint and a complaint from XX/XX/2019, which has been sent to CFPB separately, should be investigated and corrected on my credit reports.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-28
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. (SC)

Disputing information on my credit reports with Experian, XXXX and XXXX i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.