davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (FL)

I have been a victim of XXXX XXXX and my credit report has been used for items that are not mine - please help remove this my information has been stolen please see my new social attached. 
XXXX - XXXX - XXXX XXXX - XXXX -XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2024-07-16
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. (FL)

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND EXPERIAN did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof 2 years. I request a copy of the SSA 89 or SSA 3288 advising that if they were going to pull my credit they would have to have all these documents signed.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX BALANCED {$17000.00} XXXX XXXX XXXX XXXX BALANCED {$13000.00}
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account : XXXX # XXXX which is open on my file since XXXX and causing me a lot of trouble on my daily basis. Is reporting information on my credit report that does not belong to me. Ive already tried multiple times to submit a complaint about this identify theft on this account that does not belong to me. It belongs to a person called : XXXX, XXXX XXXX. Who was born on XX/XX/XXXX. Which is completely not my person. Today I received a called from a collection agent trying to collect this debt while I was at work and while trying to confirm my identity she provided me with the information above. 

Also I have reasons to believe someone else was trying to apply for credit on my behalf since I do have inquiries that I do not recognize. I will have them listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached I include a copy of my identity theft report and a copy of my driver 's license for you to confirm my name and birth date. 

Please delete this account and inquiries from my credit report
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION (GA)

Hi my vehicle was repossessed, I spoke with an representative on Friday XX/XX/XXXX made payment arrangements & my vehicle was picked up on Tuesday XX/XX/XXXX XXXX after he assured me that XXXX be fine to make the payment on XXXX XXXX rep never mentioned that I was in XXXX status, yet they been taking my payments! 
I was treated very unfairly!
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX Account # XXXX ( CBNA ) Account # XXXX, ( CBNA ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX ( CBNA ) Account XXXX XXXX, ( CBNA ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I did an investigation on my credit report which caused severe anguish and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 USC Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation and are not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15U.S.C.1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-04-11
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)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : MNCHILDSUP Account Number : XXXX Account Name : MN CHILD SUP Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (TX)

I have a cash app card. I really don't use the card. However when i went to use the card it was locked. I did not lock the card. I tried unlocking the card but it will not unlock. I contacted cash app and I have not been given a reason as to why the card is locked and why they refuse to unlock it.

I get one message that the card is okay but it's a lie then i get another message asking me to screenshot the error and cash app is aware we are not allowed to screenshot the card. However this is frustrating because I did not lock the card. And I have not been told why the card is locked and why cash app won't unlock the card. 
Cash app was just in a lawsuit because they take people money off thier cards.
Consumer complaint received 2024-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/XXXX, I received a letter from the courts stating that my civil case had been dismissed and that a judgment had been entered against me. This letter included a copy of the summary judgment and the motion for leave that was filed by the lenders attorney on XX/XX/XXXX. I was confused as to why the case was dismissed and why judgment was granted against me. The lender falsely stated to the court that they mailed me a copy of the motion for summary judgment on XXXX XXXX which I never received. 
2. Lack of Notification Because I did not receive this motion, I was unable to respond within the required 28 days. I only became aware of the motion after the court issued the judgment against me, along with an explanation of the judgement. The only document I received, was from the courts in XXXX, which was an amended case management order, notifying me that my case was rescheduled from XX/XX/XXXX, to XX/XX/XXXX, this rescheduling would have pushed the case past the statute of limitations for the lender to pursue legal action against me. 
3. Statute of Limitations On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( XXXX ) against the lender due to their violation of the statute of limitations. The statute of limitations for this case was approaching expiration just prior to the alleged mailing date of the motion for summary judgment. This raises serious concerns about the lenders intentions and suggests they may have misled the court to obtain a judgment before the statute of limitations expired. Such actions not only undermine the integrity of the legal process but also deprive me of my right to a fair opportunity to respond to the claims against me.
Consumer complaint received 2024-10-28
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (LA)

In response to CFPB complaint - XXXX - XXXX My name is XXXX XXXX, a federally protected consumer, and Iam making this complaint against XXXX XXXX XXXX for violating a cease and desist notice they received XXXX and for continuing to invade my individual privacy by committing abusive deceptive and unfair debt collection practices. 
I have attached a debt validation letter, a cease and desist notice. Exhibit A which is a copy of the reporting on my XXXX report, Exhibit B which is copy of their response to CFPB complaint - XXXX - XXXX and a pdf of an FTC report that will be labeled as exhibit C when filing for litigation in Federal Court to this complaint XXXX XXXX XXXX stated that they are a third party collection agency that was hired by T - Mobile to collect on a balance that pass due of {$520.00} for account ending XXXX. XXXX XXXX XXXXXXXX stated this account was placed and there office for collection on XX/XX/year> including the rights to collect on the account. But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ). I have not validated any alleged debt shall not be construed as an admission of liability, XXXX XXXX XXXX stated they mail out a notice debt on XX/XX/year> and that they have right to report to a consumer credit. I have not received any documentary evidence such as a trilateral contract, giving XXXX XXXX XXXX any right to collect on this alleged debt. It is my belief that XXXX XXXX XXXXXXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. Because I never received any documentation requesting validation from Source Receivables Management, before they committed multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report. If Source Receivables Management can not provide proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and ruining my financial reputation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (GA)

Flagship Credit acceptance reported balance {$24000.00} as closed accounts and also pursued to collect a balance of {$46000.00} that are both being reported on all 3 credit beaureaus. The account was once deleted and put back on my credit 15 days ago because of the incorrect information that was given along with the documents I provided showing that my sister used my ID to purchase this vehicle because her husband was a salesmen at the dealership while I was incarcerated. Which has nothing to do with me if Im incarcerated and she used my information and he allowed her to. 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how XXXX XXXX XXXX ( CRAs ) handle personal information. The law states that the banking system relies on accurate and fair credit reporting, and that unfair or inaccurate credit reporting can undermine public confidence and the banking system 's efficiency.

Asking that you once again remove these items from all 3 credit bureaus because this is against the law. The fact that it was taken off and put back on is against the law as well. They also contacted me regarding the matter when the vehicle was never in my possession at all. That too is against the law
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I resent divorced and the timeshare was awarded to my ex-husband in the divorce decree. He let the account go into default and they place the default on my credit report. The account was report XX/XX/year> in the amount of XXXX including interest. I have been trying to get him off the mortgage which he left me with by refinancing. Because of this charge on my report I am unable to refinance. I will continue to call the company and send them a copy of the divorce decree.
Consumer complaint received 2020-01-01
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: Atlanticus Services Corporation (CA)

In XX/XX/2019 my credit card was stolen and subsequently used without my permission or knowledge to purchase products and or services. As soon as I beacame aware I contacted the issuer of the card and let them know what happened. At the time of this fraud occurring my balance on the card was {$65.00} dollars. It has been 4 months and many phone calls, letters, etc., and I still have no resolution in this matter. Not only is there no resolution in sight, my new balance is {$450.00} dollars ( including disputed charges ). Mind you I have been paying my bill every month, have not made any purchases, and I owe more than I did the previous months. 
I have offered every opportunity to Fortiva Credit Card to make this right and they have pretty much ignored me.Not only is my balance the highest its been forcing interest to accrue, not to mention fees which are completely bogus and uncalled for. They insist they are investigating the matter to which I have to ask : " It takes 4 months to investigate this? '' I have provided all the paperwork necessary as per their request, and furthermore I was at work during the times the theft occurred. 
The charges were made in cities I have never been to and in some cases I have never heard of. In the meantime while they " investigate '' the case, I am suffering with a lower credit score directly triggered by their ineptness. If this is not resolved with your help, I will be left with no choice but to hire my attorney to delve into this matter and possible legal action. I have worked way too hard in the past year elevating my credit score by XXXX points to let it decline due to their negligence. 
I am enclosing paperwork with the disputed charges, timeline, etc., which I have provided to Fortiva Bank as well. 
I appreciate your time and I am hoping for a quick resolution to this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

Commencing on or around XX/XX/2024, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm.
Consumer complaint received 2024-10-27
Product: Credit 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: GOLDMAN SACHS BANK USA ()

I purchased an iPhone on XXXX for {$700.00} on XX/XX/2023. The phone was advertised as fully unlocked in multiple places, but when I received it, I was surprised to find that it was in fact carrier locked and Id be unable to use it. I contacted the seller ( XXXX XXXX XXXX ) and XXXX. Both refused to help me. 

Then I disputed the charge on my Apple Card and I was given a provisional adjustment on XX/XX/2023 for {$700.00}. Then on XX/XX/2023, they took the credit back and recharged me. They sent a confirmation email that this was occurring, but it went to my junk folder. 

A month later, I realized I was charged and I disputed the charge again. I provided even more evidence that the phone was indeed locked and worthless. I made it very clear that I shouldnt have been charged and even XXXX said to take it up with my credit card company. I was given another provisional adjustment on XX/XX/2023. And again on XX/XX/2023 they took the credit back with no explanation. 

At that point, I gave up and decided it was a lesson learned. I regularly spend {$3000.00} per month with this card and I had had no problems with it until this point. This was my first real dispute and they utterly failed me. The sad part was they could have texted me updates instead of sneaking them into my junk email folder from an email address that was never used earlier. Also, they never described any effort made. It was always just a blank chargeback and I got the impression they did nothing. 

Sorry this complaint is so late. I didn't know the CFPB existed until I read about your successfully suing Apple and Goldman Sachs for this fraud they are perpetuating. Ive been a loyal Apple user for years and this lack of professionalism was quite surprising.