davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that XXXX XXXX  is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called XXXX XXXX and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the reporting.
Consumer complaint received 2017-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

on Saturday X/XX/17 my employeer tried to direct deposit XXXX it was rejected by my bank. According to 5/3 bank the routing number was incorrect. My employeer called 5/3 bank with me and was told the correct routing number and my employeer read out the routing number to make sure that it was correct. On X/XX/17 my employeer tried to direct deposit XXXX into my account again. Again it was rejected 5/3 bank stating that the routing number was wrong. We called and talked with four different personal that told us four different routing numbers that was associated with my account. As of right now my employeer is unable to direct deposit money into my account because of their errors. I have tried to work out the situation with 5/3 bank however, they just keep apologizing and telling me to try to have the company send the money again.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (GA)

I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, XXXX XXXX, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was discharged in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for XXXX was still filed and active against my name. Multiple calls to the assigned attorney and to XXXX XXXX were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and XXXX said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.
Consumer complaint received 2023-08-15
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 2023-08-15
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. (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 2023-08-15
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC (CA)

I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-15
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. (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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2017-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc. (FL)

The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them  to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.
Consumer complaint received 2019-01-26
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. (IL)

On XX/XX/XXXX, I submitted a complaint regarding Transunion 's failure to conduct a complete and thorough investigation and for their continued inaccurate reporting of a public record on my consumer profile ( see the attached complaint XXXX ). Transunion responded on XX/XX/XXXX, advising .the complaint was being forwarded to their consumer relations department for processing ; yet another example of Transunion 's willful violation of the Fair Credit Reporting Act ( FCRA ). Transunion has previously alleged this public record was VERIFIED on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) Additionally, Transunion responded to a CFPB complaint submitted on XX/XX/XXXX for failing to disclose the verification process ; a violation of FCRA Section 611 ( a ) ( 7 ). Transunion even suggested they were NOT obligated to furnish such information ( see attachment ). 

*Transunion is in violation of FCRA Section 611. ( a ) ( 5 ) ( a ) ( ii ) .IIf the same public record that was allegedly verified on two occasions is being sent to consumer relations for the third time, the information  has been unverifiable since XX/XX/XXXX.
Consumer complaint received 2018-12-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.
Consumer complaint received 2019-01-26
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. (AR)

I have been trying to work with Equifax with getting this account removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I reported this information on XX/XX/XXXX and was told that my documentation was mailed out on XX/XX/XXXX and I have yet to received that information yet as of XX/XX/XXXX. I have contacted the bureau and the original creditor several times in regards to this situation with no response and I do not want to be held accountable for something that isn't mines. I have sent a method of verification on XX/XX/XXXX with no response to Equifax. I just want the account to be removed and from under my name and my credit report.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

The last payment was made XX/XX/XXXX following no other payments. The company admits there were no payments made after that date and that it was charged off then. Charge offs occur between 120-180 days of not payment. If Prestige Financial received the last payment XX/XX/XXXX why are they reporting to the credit bureaus that the account was charged off in XXXX two years later?
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (GA)

I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, Midland Funding, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was XXXX in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for Midland/XXXX  was still filed and active against my name. Multiple calls to the assigned attorney and to Midland Funding were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and Midland said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am complaining about SPS because they did not properly respond to the debt validation letter I sent. The ceo of SPS did not respond TILA recissionni sent. XXXX XXXX did not respond to the TORT letter I sent. All of these letters were sent XX/XX/2019. The three letters were ignored and my house was put in foreclosure. I would like for SPS to stop the XXXX sale date.
Consumer complaint received 2019-01-26
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)

regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my XXXX   and experian reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.
Consumer complaint received 2019-01-26
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)

Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because Equifax is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying Equifax for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX  these are fraud and I want them removed at once from my credit reports
Consumer complaint received 2018-12-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

I had a 3-year car lease agreement with GM Financial. The lease started on XX/XX/XXXX, and ended on XX/XX/XXXX. And my account was in good standing. After I returned the car to the dealership, I got a {$1100.00} bill from GM Financial for excess wear and tear. I was shocked, then I got the inspection report, and the itemized bill. Among those items, {$640.00} is for replacing all four tires. This does NOT make sense at all. I drove this car for less than 3 years, and only had XXXX miles on it. Even the tires were worn, it's the quality issue of the car and/or tires. I don't think I'm responsible for replacing the tires. It should be normal wear and tear. I called GM Financial Customer Service the multiple times, the most recently on XX/XX/XXXX. I requested them to adjust my bill down by {$640.00}. But they denied my request.
Consumer complaint received 2019-01-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because XXXX  is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying XXXX  for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX Portfolio Recovery A Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX these are fraud and I want them removed at once from my credit reports
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

I have listed all the problems on the attached documents. It includes wrong interests and fees, discriminations with APR changes, no notices of change when appropriate, breach of contract due to privacy, and credit reporting. The company has accepted responsibility for the errors, but they are not ready to take responsible for my recovery from the damages I have suffered as a result. I feel very discriminated against and harassed.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Initiated two transfers to bank account on XX/XX/19. Company requested identification on XX/XX/19, and it was provided on XX/XX/19. On XX/XX/19, company said account was closed and did not identify how the transfers of XX/XX/19 would be sent, even after verifying my identity.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

There  are two addresses on my report that I have never resided at and do n't know how they got on my report. The two ad dresses that are incorrect and should not appear are the following :  XXXX   XXXX   XXXX   XXXX , GA.  XXXX   XXXX   XXXX   XXXX   XXXX , VA.  XXXX  I ask the the above addresses be removed from my report because they are incorrect and I have never resided at eit her one and never used these addresses.