davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (AL)

Aside from my complaint last XX/XX/XXXX which the companies responded with deletions being made but not all got deleted. My complaint last XX/XX/XXXX and XXXX, XXXX was closed immediately. Please don't close my complaints because there are still MULTIPLE fraudulent items on my credit report. I'm reaching out AGAIN for assistance to remove them from my credit report immediately.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (NY)

The debt collector is called Atlantic Recovery Solutions. Calls from the number XXXX. They kept calling me about a debt that didn't exist. When I blocked them, they started calling my family members, such as my mother-in-law. When I called them to stop it, the woman on the phone started yelling at me, telling me to shut up.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Im deeply troubled by the impact my current credit scores are having on my life. The inaccuracies in my credit report are causing my scores to be unjustly low, which is preventing me from accessing the credit I need and causing significant stress. This ongoing issue has made it difficult for me to manage my finances and is affecting my overall well-being. Despite my numerous attempts to address this, Ive seen no resolution. I have attached an FTC report that details these inaccuracies.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-11
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. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I registered a new checking out based on a friends referral link from the bank called Chime. The referral link states that I would receive a {$100.00} bonus if I make a direct deposit of {$200.00}. I did this and they didnt pay me. 

I spoke with a company representative on two occasions, XX/XX/XXXX and XX/XX/XXXX. Both times I was reassured that everything I did was correct, and that my bonus payment is on the way. They told me to wait a few days. Ive been waiting but I know Chime has a repeated history of making false promises to many other folks. I learned this after I began having problems. 

I need help with this matter.
Consumer complaint received 2024-06-14
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: JPMORGAN CHASE & CO. (OH)

JP Morgan Chase, who financed the lease that was completed, in good faith, paid, under mileage and returned per the terms of the agreement, is attempting to assess over {$1300.00} worth of excess for cleaning and new tires, at the order of the dealership. The car was returned per the terms and went missing thereafter. I will not be held financially responsible for wear or damage incurred after return. The return was accepted, mileage and condition verified. This charge is the result of the dealership discriminating against me because I am not leasing or buying another vehicle. This is there way of extracting additional profit from those who can no longer afford to be customers. 

I reported all of this to JPMorgan Chase, with regard to the botched return, additional charges and discrimination, and was ultimately dismissed time and time again, via phone and email.
Consumer complaint received 2024-06-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Bread financial who hosts XXXX XXXX credit card charges {$37.00} late fee. I thought that companies were no longer allowed to charge such excessive fees. In this instance I was a few days late on my payment. If I make a payment a day late they charge the fee. If I ask for a courtesy, they will allow it one time per year. We consumers do our best to make our payments timely, but at times life causes us to miss payments. For me, my youngest just graduated high school and my life has been consumed with that.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My credit was leaked during the XXXX breech and since Ive had all sorts of stuff appear on my credit report I didnt make or approve any of the hard inquries and I also have an old account that is settled that will not go away affecting my credit score
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from Equifax such as XXXX XXXX XX/XX/2023, there are also two addresses reporting to Equifax that I have never lied or have no connection to, that I would like to remove and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Addresses I would like to remove is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

I contacted Kickoff numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested.

They are trying to retaliate by not removing the incorrect kickoff accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus.

In all 3 credit reports the kickoff accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different.

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. Kickoff are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the Kickoff accounts aren't removed they will suspend my contract.

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from kickoff showing retaliation.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

TOYOTA MOTOR & XXXX XXXX bank had inaccurately reportes as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Midwest Loan Services, Inc. (MI)

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I reaffirmed on my mortgage that I have through XXXX XXXX XXXX but is serviced by Midwest Loan Services and never missed a payment or was late. On my credit report it shows that I filed bankruptcy on the house and it doesnt show that Ive made any payments since last XXXX. Ive contacted Midwest loan services 3 times for them to correct it but every time they tell me it should be updated next month. Ive contacted them once a month for 3 consecutive months but it still hasnt been corrected.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' Please delete all of these accounts off of report XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY
Consumer complaint received 2023-04-21
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC (MA)

XX/XX/year> I logged into the loan/mortgage loan servicers website and attempted to make the usual monthly payment ; however, I was unable to make the {$2700.00} payment INSTEAD I was re-routed ( funneled ) to a new tab directing me to make a {$23000.00} lump sum payment. I almost selected the " pay button '' until I saw the default figure. I have never requested a lump sum arrangement. There is alot of language now on the account dashboard that advertising the lump sum versus the monthly. 

I emailed the company ServiceMac ( Fannie Mae servicer ) and asked how I could resume and/or access the monthly payment option ... .considering it is no longer present anywhere on the website. I have downloads of previous payments and what the website formally looked like and how a customer could make monthly payments. That is all gone now. 

I ask that CFPB look into this for accountability and compliance purposes since this mortgage servicer is intentionally misleading customers in order to cause loan defaults. In sum, ServiceMac has opted to manipulate their website as to force mortgage delinquencies to steal homes given market conditions. It's such a deceptive business practice that deserves expeditious attention.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

I have released of lien from Santander yet still they will not take it off my credit report. I have only one lien on file with the Secretary of State are is the record XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (NY)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 
Account : XXXX, Amount {$5600.00}, Acct # XXXX Account : XXXX XXXX, XXXX {$20000.00}, Acct # XXXX Account : XXXX, Amount {$0.00}, Acct # XXXX Account : XXXX, Amount {$18000.00}, Acct # XXXX Account : XXXX, Amount {$1000.00}, Acct # XXXX Account : XXXX, Amount {$30000.00}, Acct # XXXX Heres the list with only the account names and dates, with credit bureau names and other information removed : 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 - XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2023-07-02
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. (PA)

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims never was an investigation conducted I have firmly asked Help never got it
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for the platinum card and was temporarily denied due to a late payment. The late payment was the result of an ACH issue with XXXX and they provided documentation to explain why the payment was returned. I made a payment the same exact day for the amount due because of the mishap. 

I called customer service reconsideration to explain and tell XXXX the agent that I would like to be reconsidered. He said he didnt have access to help and he had to escalate the call.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I started getting emails from Resurgent, email address XXXX, on XX/XX/year>. 

It is a debt collection email claiming that I owe more than {$1000.00}. It contained information about an account I have never had from a creditor I do not recognize. I do not have any accounts in default, and it's not my debt. Resurgent claims LVNV Funding LLC is the new owner of said account, and the message pushes for payment arrangement. 

Since then, they have emailed me another 12 times, almost every other day. I'm concerned that this is a scam, which is why I did not contact them : If they don't have my mailing address or phone, I don't want to give that to them by reaching out. And if it's not a scam, then it's a case of identity theft. A year or two ago, I discovered a case of identity theft on my credit report : Someone had opened a power bill under my SSN in a city I've never been to and then defaulted on the bill, so it's possible that whoever stole my SSN also opened other accounts. 

I'm very concerned because I'm currently in the process of buying a home, and the email says : " If you do not pay the debt, LVNV Funding LLC may report or continue to report it to the credit reporting agencies as unpaid. '' Please help me.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX. The Honda Dealership of XXXX, FL, informed XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only XXXX hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those XXXX hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the Honda vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 

Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, Preferred Legal, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX, at The Honda Dealership on XX/XX/XXXX. Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a Honda salesman I had previously interacted with was unprofessional in our dealings.
Consumer complaint received 2024-01-27
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. (PA)

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 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.