davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am submitting this complaint to request that Experian, XXXX, and XXXX XXXX the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. A collection account opened at EXTRA on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. Two collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}, and another for a balance of {$750.00} under Status : Collection account, past due amount : {$750.00}. A collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. I demand that you investigate these matters immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I am writing to file a formal complaint against Equifax for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/XXXXXXXX XXXX I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-06-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: AmeriCash Holding LLC (IL)

I was approved for a loan from SAIL Loans for {$2000.00}. They only gave me {$500.00}, said they put {$1500.00} in a savings that I will receive once a pay off the loan. However, they charge interest on a {$2000.00} loan, not {$500.00}. I'm paying interest on money never received.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (IL)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX XXXX  on XX/XX/2023 I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than XXXX business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within XXXX business days of the completion of the re-investigation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, Equifax, and XXXX regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold XXXX, Equifax, and XXXX responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by XXXX, Equifax, and XXXX in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
Consumer complaint received 2024-07-31
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. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

XXXX XXXX XXXX XXXX & ABILITY RECOVERY SERVICE filed on my credit report on XXXX claiming I owe them when I never received any services from them and have told the company I never gotten any medical help from first responders at all in the last 10 years.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-03-13
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)

My name is 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  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 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 XXXX 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 2024-05-16
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. (NJ)

I was checking my consumer report and I realized theres a few collections and negative accounts that I did not authorize. In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report.Please remove these unauthorized inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (NC)

I fell ill in late XXXX XXXX XXXX XXXXXX/XX/XXXX and was out of work with no pay for XXXX weeks. I contacted XXXX Credit Card company late XXXX for financial assistance as I could not get my feet back on the ground once returning to work. I originally was told I qualified for credit protection, that I have been paying for the entire time I had this card. I did exactly what they told me to do supplied with a note from my doctor. I did not hear back for over 30 days ( the time told it may take to process ). When I reached back out I was told by a supervisor I was declined from the program as it turns out I did not meet the requirements for credit protection like they originally thought. Because I was not out of work for XXXX days or more, it was only XXXX days, they declined the protection. Keeping in mind I only signed up for credit protection as my chronic documented medical illness was supposed to be covered by their protection provided I have doctors notes of being under a doctor 's care for a significant amount of time ( as it is in all my other credit cards too, suffering from illness for XXXX years now so I am always sure to check this ). The supervisor was extremely rude saying if I was sick for longer I would qualify but I was about XXXX week short of that. He said I could do the re-age program and sent me over to sign up for that. Lovely woman got me all set up, she told me if I sign up to split my delinquent amount up into XXXX autopay monthly payments my account would be current so long as I made all XXXX payments. I have made XXXX of the XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and got a notice of my account still being past due ( today XX/XX/XXXX ). I contacted the company to which I was told the re-age program does NOT bring accounts current until AFTER the payments are made, thus my credit will be hit when the XXXX days ( month XXXX ) of the program ends. I would never have signed up for this program if it was going to affect my credit, I would have worked to try to find other arrangements to make my account current. Now, we are months into trying to get assistance to no avail all while my credit is taking massive hits. The only thing I was told repeatedly today when asking how this re-age program will affect my credit and what options I have is a repeated response " we report fairly and accurately, I recommend calling in for further assistance. '' At this point, this response seems extremely sketchy that they offered me this program but will not speak to how it affects my credit. In doing some research on my own I'm seeing re-age programs are illegal? I am at a loss and don't even trust this company so looking for assistance from anyone who can tell me what is going on, what is best for me, and how this credit card has impacted my credit score.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

ever since my loan was transferred from XXXX to this lender Nationstar there have been major discrepencies in the billing. For many months they would send a bill that i owe {$25000.00}. and another month stating something different. I have a loan modification agreeme nt since XX/XX/XXXX. But it seems like Natiotnstar is attempting to change my modification without my consent or official acknowledgement. My modification, which was signed by me and XXXX should be in effect until XX/XX/XXXX. In XXXX, i fell upon financial hardships and i missed XXXX payment. Hence, in XXXX i mailed XXXX payments to rectify and catch up. both payments have been cashed ( i had to pay post office to do research ) both money orders have been cashed via their records. Hence the payments havent been posted. When i called Nationstar ( mostly bc during my bankruptcy, they kept sending me collections via certified mail ) so i called to get some answers then i was informed that my mortgage payment has been DOUBLED. When i call every time i receive differnt answers, XXXX answer was my home insurance was increased, i called state farm ( my insurer ) and they only increased by {$110.00}. Then i was told that XXXX made error in their calculations years ago. I have requested several times for a copy of my modification, a copy of these increases and a copy of changes being made. I have not recieved anything i requested. I would like your help in this matter. I would like a copy of necessary documents and a ledger of all transactions made between me and this lender. I dont really like how they are doing business. I feel like they violated the banckruptcy terms and i would like the XXXX lien, to be stripped via the bankruptcy. this home is underwater. I am being harrassed and hoodwinked. i am poor but i do need a home to live in and i ffeeling real comfortable making my payments prior to getting with Nationstar. they are causing me undue stress and it is affecting my health.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (TX)

I moved to Texas in XXXX as I got married. I tried to get a bank account in my area with my new husband. I was denied through XXXX. When I got their report, I found out that Credit Karma has been putting in inquiries on me for probably a year. I have tried and tried and tried to contact Credit Karma via their webisite and help site and looking at off sites to try and get a phone number to reach them to find out why I have that many inquiries to attempt to dispute them and I absolute CAN NOT, to save my life, reach this company. How can I fix my credit with XXXX if I don't even know why I'm getting inquiries from them on my XXXX report? The latest inquiry shows XX/XX/XXXX and the earliest is XX/XX/XXXX. So they have been putting in inquiries on me from XX/XX/XXXX to XX/XX/XXXX monthly. And I have not given them authorization to do so. Please help me. I just want to find out why and fix it so I can get off the XXXX reports. I have a XXXX XXXX XXXX with all the other major reporting agencies. No credit card debt or private loans and I'm currently getting ready to start paying on my XXXX loans which is the only debt I have left to pay off. Please, please, please help me. I'm working diligently to be a productive and responsible person. 

Thank you.
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

For the last several years Jefferson Capital has been trying to collect in a debt that the original creditor had stated was not mine and was a XXXX balance ( as far as the were telling myself and the Minnesota attorney general office who was assisting on this file. We seek validation of the debt and they dont validate, the debt is removed from my credit report only to be added back on after a couple of months. What is the point of the dispute process if when you win as the consumer they can just repost it to your credit reports by just changing a date by a day or adding {$1.00} dollar to the balance and have it reappear. I have had this debt removed from my report 6 times only to see them place it back up