davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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: Tebo Financial Services, Inc. (VA)

I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights XXXX XXXX XXXX XXXXXXXX ( Both accounts ) Tebo FINANCIAL - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.
Consumer complaint received 2024-01-20
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. (MD)

I believe my information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (TX)

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. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2024-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

I recently reviewed my credit report and discovered incorrect information that needs immediate correction. The account in question is listed under JEFFERSON CAPITAL SYSTEMS, originally from XXXX XXXX, with Account Number : XXXX. This account is erroneously marked as OPEN with a PAST DUE BALANCE of {$650.00}. 

Account Summary : Original Creditor : XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX Status : Collection account, {$650.00} past due as of XX/XX/XXXX This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) and XXXX standards. I request that you immediately remove this account from my credit report. Please provide an updated report showing the removal and compliance with XXXX standards. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX Attachments : - Copy of Government Issued ID - Dispute of Inaccurate Credit Report Information Letter
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Qualified for the XXXX XXXX XXXX XXXX, which was at first denied by Mohela in XXXX as they had not calculated the correct number of payments I paid. Was placed in an Administrative Forbearance while they were recalculating. They now show that I have enough payments to qualify for XXXX, but instead of processing this they are ending my forbearance and asking me to start paying again early next month. Loan should be forgiven and balance should be XXXX. No further payments are required and yet they are sending bills. They do not respond to emails and phone hold times are hours and often end up being dropped calls.
Consumer complaint received 2024-01-20
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. (OK)

Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : XXXX EQUIFAX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX-Collection Account-No Signed Contract with this company to validate. 
XXXX XXXX-Collection Account-No Signed Contract with this company to validate. 
XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Consumer complaint received 2024-01-20
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. (MA)

Im looking to get these inquiries that I do not recognize off my credit report they have been on there for longer than the time frame they were suppose to be and most of them I do not recognize nor authorized for them to pull my credit.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/year>, Huntington Bank closed all our bank accounts. 9 accounts in total. Business & Personal. They never even told us why they did this. We still have never received notification in writing regarding our account disclosures signed with them. 

When I questioned them on the reasons and reminded them about not being given notice per our account agreement, they quit responding to my questions. 

To make matters worse, they took deposits but would not pay any of the ACH Payments in our accounts costing us over {$1000.00} in fees. 

Another issue, they refused XXXX payments to XXXX for a loan payment. I went into a branch to pick up the remaining monies in the frozen accounts. Since they closed all the accounts, we figured the nightmare was over. 

They went ahead on the XXXX payment and paid XXXX, harassed me nonstop for the {$2000.00} that went negative on a checking account they closed. But their incompetence for not closing this account. I had to go into a branch to make a deposit to this account per their direction. I was not allowed to mobile deposit or ACH Funds. 

Still no response to my questions. They would not even give me the persons name responsible for closing the accounts. I was just informed it was XXXX persons decision. 
We deposited over {$2.00} XXXX Dollars in 3 years at Huntington Bank. 

Any assistance you could provide would be greatly appreciated so no one else will have to go through what we went through. It took us over 100 Hours of effort to switch everything over to another financial institution. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (GA)

In accordance with the Fair Credit Reporting Act, Ability Recover service, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 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. Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). Please cease and desist all calls and contact with me, immediately. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2024-01-20
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. (TX)

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.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I called XXXX, Experian, XXXX XXXX all of them keep telling me they cant take these unauthorized accounts and inquiries off my credit report I sent In police reports ftc reports and I even sent over documentation to prove that my identity was stolen and unauthorized Good and service was open without my consent to do so and they wont do any about it they told me they was going to investigate I havent her anything back or when I call them they hang up
Consumer complaint received 2023-04-30
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)

There are 7 student loans reporting on my credit report, however there is only one account with the loan servicer and only one payment due. When I was selecting the repayment option for my student loans when I graduated, I was not informed that there was a payment due, which was {$0.00} because of the income based repayment plan. I wasn't made aware until I saw a 120 day late on my credit report. They told me I would have to send them tax returns, which I had yet to file, before they could revert back to the original repayment plan. Which took me 30-60 days to get to them. They have been reporting 7 separate accounts being 120+ days past due. But when I get a statement, there is only 1 payment due, not 7. This has been impossible to correct and extremely unfair. I have not been able to get approved for almost anything in over 7 years. I had to refinance the student loans so that they would stop reporting negatively. The next year when I sent them my returns, they said that " they '' didn't file my paperwork timely which then resulted in even more of lates. However, they were unwilling to correct he information reported to the credit bureau. 

These accounts should be deleted based on the first late payment, which should have already happened. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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. 
They are in violation of the Fair Credit Reporting Act
Consumer complaint received 2024-01-20
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)

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.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!
Consumer complaint received 2024-01-20
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. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

i went to XXXXXXXX XXXX XXXX facility to get treatment, i provided my insurance and a proper claim was rendered and approved and paid by my insurance company to the XXXXXXXX XXXX XXXX billing department. i was informed by my insurance claim that the remaining portion of my bill due was {$51.00} a amount not covered by my plan. i never received a updated bill from XXXXXXXX XXXX XXXX. instead the charged my account {$210.00} not {$51.00} that i was responsible for after already paying {$35.00} co pay upon the day i received the treatment. i called XXXX Billing to try and resolve the issue and was unsuccessful. i then called my insurance company XXXX XXXX XXXX and was told they would contact XXXX  and help resolve the issue. that didn't help. so i spoke to my bank chase and asked for a returned of funds for the unauthorized amount, which they gave me and opened a investigation, chase requested more information so i called and spoke to a rep and he asked a series of question which i answered and offered to send the documents from the both XXXX and XXXX showing proof i was wrongfully charged {$210.00}. they said would contact in the documents where needed. i just received notice from bank that charges will be reinstated. i called the bank and asked for the reason, i was informed that there investigation statement was that serves where rendered and i liable for the amount charged. i informed the bank rep that i have filed a complaint with XXXX, and sent a legal letter to XXXX informing them that there actions are illegal and they are acting in bad faith and send false information to my bank, and that i would be filing this complaint, and pursuing legal action if left unresolved.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (NY)

In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the XXXX XXXX XXXX XXXX shared with me to dispute : 1. They check XXXX XXXX - Date : XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX. Pentagon FCU - XX/XX/2022 XXXX. XXXX XXXX  ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the XXXX XXXX XXXX XXXX shared with me to dispute : 1. They check Capital One - Date : XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXXXXXX XXXXXXXX  ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. Capital One Auto Finance XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-01-20
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. (DC)

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2023-08-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (CA)

The cable company claimed I owed {$69.00} on my account which I disagree with. They sent the account to this debt collector who keeps sending emails to my work email address, despite me telling them multiple times to stop sending emails to my work.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (SC)

I no longer have the information. But I had received a loan from One Main Financial aroind XXXX or so and they added additional products so that I could acquire the loan. I ended up XXXX being able to pay it all off after leaving military for medical reasons and the extra fees from the beginning and it ruined my credit.