davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Associated Credit Services, Inc. (MD)

Charged me for a utilities and refused to accept proof that I was not residing at property at time bill was made. No record of call to disconnect. I paid this company 's hired collection agency ( Assoiated Credit Services ) {$410.00} in order to remove a debt from my credit reports related to a bill that I did not make for utilities. I have explained that I moved away from property. I left the state for a contract travel assignment for work on XX/XX/XXXX. XXXX XXXX was notified on XX/XX/XXXX but they conveniently lost the record of my call. The owner of the property will not remove it due to a unrelated dispute. The property was vacant but billing continued for XXXX months after I vacated. I received a bill on XX/XX/XXXX and promptly notified XXXX XXXX that there had been a mistake and requested service be disconnected. There was no previous balance due. I was told that there would be an investigation and I would receive a final bill minus the time I was away from property but I would be contacted by a supervisor if they needed my documents of proof. I never received any further correspondence. I restarted my credit monitoring service a few months ago and noticed that I had been referred for collection. I immediately called XXXX XXXX to resolve matter but was informed that ASC was in full control of collections and they refused to accept a payment. The representative also suggested I file a dispute with the credit bureaus and explain the matter. and/or file a dispute with the credit bureau. I called ASC and explained the whole ordeal of moving and not being notified or aware of bill or collection efforts. I was told to call XXXX XXXX to have matter corrected and/or dispute the inaccuracy with the credit bureaus. I explained that I was willing to pay debt to expedite the removal despite not owing bill, the ASC representative agreed and said I would get a receipt in mail but they could not put in writing that they would delete. I was told by XXXX XXXX and Associated credit services to " call the credit bureau and challenge the debt ''. I did, XXXX reports that ASC verified the debt was valid and that no payment had been made. I have a contract for employment with a start date XX/XX/XXXX in South Dakota on a remote XXXX XXXX. It is not possible that I made the bill for utilities. Someone was residing at the residence. I am positive I called to disconnect service.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (WA)

I took a loan out with Genesis Lending to attend XXXX XXXX in XXXX, WA and paid it off shortly after graduating. I was told they had been sued and students within a certain time frame were eligible for partial refunds. When I tried to contact them to see if I was eligible for a refund they told me they had no record of my account. What more can I do before contacting a lawyer to pursue a lawsuit?
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Consumer complaint received 2015-12-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a fact, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (KY)

I was charged because of equipment I had from XXXX. I was told I could send it back and would not owe for it. They sent me a return label and I sent it back. Now I 'm getting letters that it was sent to collection. I should not owe for this, I have tried to call and every time I get told it will be researched but it still has not been.
Consumer complaint received 2024-08-13
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. (PA)

i just check my credit report and this accounts still inmy report, i check my complaints here on the cfpb and experian dont send or answer my complaint yet.. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-05
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. (NV)

I purchased my home XX/XX/2015. I've never been late making my mortgage payments. All my accounts have been paid on time. For the past four years my FICA score seems to be frozen. At the time I purchased my home my score was XXXX. For the past XXXX years my score has been XXXX. 
XXXX years ago I hired a credit repair company to help me raise my score. I paid him {$500.00}. After one year nothing happened. Later I thought I would hire a professional credit repair company named Debt Solutions Service. I paid them {$5600.00} after XXXX year nothing happened. Again, I heard of XXXX XXXX. I hired XXXX XXXX and paid them {$14000.00}. After XXXX XXXX years my score was still around {$580.00}. So, I decided to try to correct my own credit score. I contacted Equifax they had me do a number of transactions to help me raise my credit score. First, they had me send letters to all my previous accounts. Equifax had me send them documents showing that I've paid off my car and show that I paid off XXXX on my student loans. After XXXX XXXX years my score is still around XXXX, they had me to do a number of transactions which was file disputes on my credit report, correct errors on my credit report. They had me gather all my documents and send copies to the customer service department which I did. Fourth, when I called. The representative acted like there in training. I asked them a question then they put me on hold for a long time. When they returned they couldn't answer my question. I told them I mailed the documents return receipt. He replied he doesn't know what happened to my documents. I asked to speak with a supervisor and asked him the same question. He also said he doesn't know what happened to my documents. they both told me they would get back to me with an update. Well, of course they didn't call me back. I'm asking you to help me with this agency. I've also contacted XXXX credit Bureau and XXXX credit Bureau to file dissatisfaction with them. 
The reason I want to adjust my focus score is because when I purchased my home. I had a 4.6 % interest rate. I could not take advantage of the XXXX and 3 % rate that I was eligible for. All three reporting agencies cost me many thousands of dollars because of their incorrect reporting I would appreciate some help with XXXX to correct my credit score. This year I need to buy a car and apply for a second mortgage. I don't want any problem getting financed. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX XXXX am writing to complaints on wrong information on my credit report. The following addresses are inacurate and not my current or correct addresses : XXXX XXXX XXXX XXXX, FL. 
XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX. The following inquiries are on my report that were not applied for by me : 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 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (KY)

XXXX contract says I can be released from contract if I move and they can not provide XXXX  at new address. I had a XXXX  rep out to my XXXX home to establish XXXX  aftermoving from XXXX  in XX/XX/XXXX. He was unable to get a signal XX/XX/XXXX. XXXX did not release my contract but continued to bill me until I stopped payment in XX/XX/XXXX. They sent me to collections. I filed with the XXXX  and thought everything was resolved when I got a notice from XXXX  stating my account was closed in XX/XX/XXXX. They never refunded my XXXX from the 3 months prior which I didn't pursue. However, now they've sold this debt again to a new collections Co and I am going through it again. Can't call XXXX  my number gets disconnected with a message saying it's in collections call the collections Co who wants documentation from XXXX who is impossible to contact
Consumer complaint received 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.
Consumer complaint received 2024-08-27
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days past due as of XX/XX/2017

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-07-05
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-07-05
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. (CA)

Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX 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 Thank you
Consumer complaint received 2020-08-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (OH)

I keep receiving calls from this XXXX in an attempt to collect a debt which they state they have acquired from Check N Go. This credit collection company states that there is a pending legal matter being filed. I simply ask them to verify the validity of the debt, by sending me information on when they acquired the debt, what was the amount of the debt, and accompanied dates. And they state that they can't provide the information, and that I will only get that information when we go to court. They continue to call my cell phone, and other family member cell phones multiple times a day.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Opened XX/XX/XXXX Account status open Original creditor name : XXXX XXXX  XXXX  Open balance : XXXX I called the company they said it was a furniture store I never heard of in my life. My credit was last pulled when me and my husband bought the XXXX  truck. I have not bought furniture since XXXX. 

My identity was stolen so this is fraud. Someone got my social and opened the account. I always maintained good credit.
Consumer complaint received 2023-07-26
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, {$500.00} was charged on my XXXX XXXX XXXX  at Victoria Secret in XXXX, I contacted the credit card company to disputed it, however my dispute was denied by the credit card company. 

Joint card holder/my wife and I did not make the purchase or have not been to XXXX, my wife has Victoria Secret card, never use other cards at Victoria Secret . 

This is a fraud by a fake card, it is very suspicious obviously according to the transaction record XXXX provided to me, however Victoria Secrete worker did not check their ID at cashier.
Consumer complaint received 2023-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

Capital one with finance ( XXXX ) Capital one Bank ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my XXXX credit reports, which are damaging my credit and were not initiated by me. 
I made multiple attempts & disputes. My next action is litigation against each company and credit reporting agency for allowing this to be reported for so long after multiple complaints of fraud.

This has severely affected my life. Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud.

Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

Please See Attached Notarized & Non Notarized Files. ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX laws are violating multiple laws & my rights : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right
Consumer complaint received 2023-06-27
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. (TX)

I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.