davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CXXXX 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 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
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-01
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (MD)

Despite the settlement, XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. XXXX Reporting Agency, Equifax Information Services, XXXX has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House XXXX XXXX XXXX, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in XXXX  XXXX, any offset debt that has been settled should not negatively impact my credit report.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (TX)

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by P & B CAPITAL GROUP LLC. I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account.

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against P & B CAPITAL GROUP LLC for their failure to comply with federal laws and their disregard for consumer rights. 

Enclosed are copies of relevant correspondence and documentation supporting my claims. Please review this information thoroughly as part of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I simply paid into the account and they charge me they charged off the account and it was charged off at XXXX and some odd dollars they then put it back on my credit report as {$10000.00} XXXX and start trying to garnish my wages and garnish my wages for months for money that I do not owe
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-02-22
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: Resurgent Capital Services L.P. (SC)

I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires 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 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 Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX  Opened XXXX {$300.00}
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citi Reference Number : XXXX - On XX/XX/XXXX, I was sent an email from Citi saying that my online user ID was blocked because they had reason to believe my login credentials were compromised, but, on XX/XX/XXXX, when I called the number they gave me, XXXX, options XXXX, I was told that they could not help me to unlock my account, nor did they tell me what supposed suspicious activity there was, and to call another number. When I researched that number, ( XXXX ) XXXX, I found it was for accounts that were flagged for closure, without any real reason. I read horror story after horror story of Citi customers saying that their accounts were locked for no real reason, and that their funds were frozen for months. All I did the days before my account was locked was request ( on XX/XX/XXXX, and XX/XX/XXXX ) transfers of {$4500.00} each be transferred from my Citi account to my XXXX account. They reversed one of the {$4500.00} transfers to my own account on XX/XX/XXXX and are keeping the other one that was sent on XX/XX/XXXX from becoming available in my balance at XXXX. Now I can not access the {$9800.00} ( current AVAILABLE balance according to their own phone banking system as of XX/XX/XXXX ) I have in my checking account with Citi. They even accepted two {$2000.00} XXXX payments into my supposedly locked Citi account from my siblings after they had locked it. So I can't access my own money, and that money is gone from their accounts. I emailed Citi 's Executive Response Team on XX/XX/XXXX, and on XX/XX/XXXX, I received a generic response saying they were investigating my case and would get back to me in 15 days. But I need and should have access to my own money sooner, especially since they have no real reason to hold it hostage.
Consumer complaint received 2024-04-13
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: Experian Information Solutions Inc. (MA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-09-29
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: Cascade CISS Holdings, LLC (FL)

A company called Xactus LLC performed a hard credit check on my report on XX/XX/2023. I have neither knowledge nor given approval for any company to do this. I suspect fraud and when I reached out to company it seemed suspicious and like a phishing scam and they were unwilling to give any information out unless I provided them with tons of personal information, which I did not cause they appeared to be suspicious. I looked up the company and they are notorious for pulling hard credit checks without consumer approval.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

Lack of a contractual agreement : I have not entered into any contractual agreement or arrangement with this collection agency. It is essential to note that any collection efforts initiated by your agency lack a legal foundation. As there is no valid contract under consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ) and other relevant statutes, a collection agency must have a lawful basis for obtaining and using personal information. I demand that you provide evidence of a valid legal basis for accessing and using my private information. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.
Consumer complaint received 2024-07-02
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (GA)

I was a victim of identity theft due to someone having a scanner at the gas station pump. I was at the XXXX gas station in XXXX XXXX Georgia and paid at the pump for my gas. After I left there was charges being made to my Card the other side of town at XXXX XXXX XXXX in Georgia with out my authorization. I notified the police and the bank Money Lion and they are still refusing to refund my money.
Consumer complaint received 2024-04-13
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. (CO)

Experian will not provide access to my credit report and remove the fraudulent account as they have been provided a police report and ftc complaint. XXXX and XXXX have already handled the matter. I am astonished they would treat a XXXX person this way, blatantly defiling federal law against a protected class
Consumer complaint received 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

I refinanced a personal loan that I had previously with : One Main Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX last year. It is a secured loan against my XXXX XXXX. I have never paid an interest rate of 29.99 % and this information was glossed over by a smooth talker ( Branch Manager ) prior to completing the loan. I had good enough credit at the time to qualify for a lesser Interest rate- in fact, I had just bought a home the month prior. I have attempted to refinance at a lower interest rate and they would not budge. 
The loan officer 's name is : XXXX XXXX ( Branch Manager ), Phone : XXXX, email : XXXX My current blanace as of XXXX XXXX, XXXX is {$23000.00}. This balance is not my payoff amount and is an interest-bearing loan. I currently pay {$450.00} twice a month and this is truely a burden. Twice a month I pay {$150.00} or {$150.00} in " Principal '' and twice a month I pay {$290.00} or XXXX of " Interest ''. I have not missed a payment since the loan inception, always pay ahead, and do not understand why they will not work with me on reducing the interest rate. The contractual monthly Payment is {$910.00}. The maturity date of this loan is XX/XX/XXXX. I will have paid nearly {$60000.00} by the time the loan is paid. I believe this woman is a predatory lender and wish she would have been more forthright/coming. I feel as though I have been taken advantage of as a 100 % XXXX Veteran. My SSN : XXXX.
Consumer complaint received 2024-04-12
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. (TX)

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IN)

Just received an alert on XXXX XXXX that Amsher Collection Services is attempting to collect a debt of {$680.00} for XXXX XXXX Now, I can tell you that I have been with XXXX for 14 years now, and have NEVER once applied for any type of XXXX XXXX. I can also tell you that I have never received any form of written notification of any sort of debt from Amsher Collection Services. After reading through countless reviews of this company, it is evident they are predatory, do not follow laws and have no compunction when it comes to ruining credit reports. This account needs to be removed from my credit reports immediately. I have already contacted the Indiana Attorney General and the FTC regarding this horrible situation. I am contemplating filing suit in my local court for violating the FDCPA for misrepresentation of a consumer debt.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XXXX XXXX i sent an certified letter to XXXX and Equifax stating that there are collection accounts that are reporting " OPEN '' which is against FCRA guidelines and theses collection accounts are being reported INCORRECTLY and should be removed. As of XXXX XXXX there has been no change regarding this Matter.
Consumer complaint received 2024-04-12
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. (FL)

I WANT THIS ACCOUNT TO BE DELETED IN 5 BUSINESS DAYS, THIS XXXX XXXX WITH THE ACCOUNT NUMBER XXXX AND BALANCE OF {$0.00}, XXXX XXXXXXXX Account Number : XXXX IS NOT MINEI PLEASE BLOCKED AND REMOVE IT FROM MY CREDIT REPORT- IT'S VIOLATING MY CONSUMER RIGHTS UNDER
Consumer complaint received 2024-04-15
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. (CA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I got a letter in the mail from Chase, telling me my that they were closing my credit card, and account on XX/XX/2024. The reason they described was " unexpected activity on this or another Chase account. I am the same profile I've always been, no new travel, or charges that aren't similar to the last 3 years. 
I called Chase, and they said it's " bank policy ''. They will not explain why they are canceling me. I have a high XXXX score always, XXXX, and always pay my bill in full monthly. 
I use this card for travel, XXXX flights, and rewards/mileage. I called XXXX, and they only work with Chase for their credit card/Rewards program. They are basically crimping my travel for work and pleasure. 
They are not transparent. They are not telling me why I'm " canceled ''. Did something happen, were there charges that are fraudulent. Unfortunately, I don't online bank, so I'm waiting for my paper bill. 
This is stressful, and uncalled for. They should be forthcoming on why they are canceling an excellent customer, and did something happen ...? 
At the very least, I deserve an explanation of why? 
Thank you ....
Consumer complaint received 2023-03-18
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. (OH)

The account XXXX is incorrect on all XXXX credit bureaus. Upon reviewing the report today XXXX I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have files several complaints against XXXX credit agencies for purposely, deliberately and intentionally placing false information, not updating, and restricting me from my credit file. XXXX XXXX advised me via letter and XXXX that my account is not pass due XXXX and it has been settled. XXXX has refused to placed this information on my credit file. XXXX has reported with each request and complaint that it takes 60 days and has lied about fixing my account for me to have access. I will be taking with attorneys in reference to this violation. It has been over 60 days and it should not take this long to correct my account when the party have submitted information to XXXX XXXX XXXX. As of XX/XX/year>, I cant access my credit file.