davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc. (GA)

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Consumer complaint received 2023-11-26
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: Experian Information Solutions Inc. (ME)

XXXX Correction of Records Chief Executive XXXX XXXX XXXX President and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear XXXX XXXX : My name is XXXX XXXX XXXX and I am XXXX XXXX XXXX. My current address is : XXXX  XXXX XXXX, XXXX XXXX, XXXX, ME XXXX I left my last address with a Police Escourt as I was an Abused Senior, with developmental challenges and adjudication XXXX. I recieved an email alert for a change in my Experian file, and I recieved one recently from either Experian, XXXX, or XXXX explaining that my Social Security Number was found last month on the Dark Web.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

In XX/XX/2023 I received notice that my mortgage was being transferred from Homepoint to Mr. Cooper ( Nationstar Mortgage dba Mr. Cooper.com ). I was given instructions to set up an online account to access my mortgage via Mr. Cooper. I followed the process as instructed. That process has not worked, and I have not had access to my online mortgage information since XXXX. I have called repeatedly to get the issue resolved and been promised repeatedly that it will be resolved within 48 hours. I have been promised a call back to confirm that it has been resolved but have never received a call back. I have been told repeatedly that the problem has been referred to the " web team '', but this has been going on for months with no resolution. Recently Mr. Cooper failed to make proper escrow payments, resulting in financial penalties for overdue taxes, which they indicated they would cover. Yesterday I received an automated " Happy Birthday '' message from Mr. Cooper, but my birthday is not until XXXX. I suspect they have a corrupted database that has merged my information with another client 's, though I honestly have no idea because I can not get a straight answer from them. I need this issue resolved so that I can manage my mortgage as I work through a divorce. Thank you for any assistance you can provide.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

A few days ago I received a notification stating a debt collection had been reported on my credit which was a shock to me so I contacted the collections company ( CREDIT COLLECTION SERVICES at ( XXXX, Address is XXXX XXXX XXXX XXXX MA, XXXX ) and they told me XXXX XXXX asked them to collect money from me. I told them I do not know where the debt is coming from because I have a different insurance company and I told them that I do not owe XXXX any money. They advised that I contact XXXX which I did and XXXX told me that they do not see any policies on their file for me which made sense to me since I canceled the only policy I had with XXXX. XXXX even sent me a refund check which I have attached. I did not have any existing policy with safeco so this really shocked me. So I later called the collections company again to see what property address and they gave that to me. That property address is under an LLC and it was through XXXX XXXX, which I was later told by XXXX that the XXXX XXXX Agent got the insurance through XXXX. I have never received any communications from XXXX and I did there is no way I wouldnt or couldnt pay {$79.00}. I asked XXXX why didnt they call me or email me if I owed them and they couldnt answer. I knew this debt collections on my credit could stop me from purchasing my home so I asked XXXX If I go ahead and pay them the money they claim I owe them ( {$79.00} ), will they remove this from my credit and the XXXX representative told me emphatically YES. I asked them to send me an email confirmation and evidence of what they told me on the call. I went ahead and made the payment just so I could be over with the whole situation and not because I actually owed them money. I followed up with XXXX a few days later and they are telling me they have advised the credit company to remove the reporting from my credit report. I called the credit company and they said they will not remove, they can only report it as paid in full which is not what I was told would happen. I was told this would be removed completely
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MO)

I had been same day in XXXX tagget, XXXX and some electronic store purchase changes which electronics store they mentioning to in my whole life I didnt gone to that store. I reported fraud and dispute but old XXXX company not resolved it after making couple times complaint. They are haraasing that customer will pay this because of credit score.

But I never make any transaction and 15 years history never miss any bills. So please mark this as complaint and if need any details happy to provide those cards was lost stolen some one use and make fraud. Id identity theft also may be.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2024-04-09
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)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AL)

Jefferson Capital, a collection company for XXXX put a mark on my credit for an account I never opened. It was opened by a lady named XXXX XXXX in my name. They threatened to have me sued if I did not settle what I owed. So I accepted a letter settlement pay off of {$150.00} dollars and paid online. The company did not remove the collection after telling me they would. They were informed this account was fraudulent and said it would be closed. I do have proof that I paid the {$150.00} dollar settlement to them. I dispute it on my credit report with no luck. I am locked out of my online account and they will not contact me to settle this. I feel intimidated and scammed out of my money. This is wrong.
Consumer complaint received 2024-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP (AZ)

I have a {$10000.00} in a CD at US BANK that rolled over without my taking any action. Because I happened to miss one email, the CD changed from 5 % to the lowest possible rate the bank could give, which is .05 %. If I wishes to change, I have to pay a {$100.00} penalty plus another {$25.00}. This is simply taking advantage of consumers. It may be legal, but losing XXXX of dollars of interest because you missed one email seems simply unethical. I can't believe this is legal, to take advantage of people like this. It is too late for her but is there anything that can be done to protect consumers from being ripped off like this?
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated (WA)

I did file an XXXX XXXX XXXX claim # XXXX on XX/XX/2021 at XXXX XXXX XXXX XXXX, for a work injury. The claim was accepted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  paid all medical bills including a pneumatic boot for {$510.00}. After many documents requested by all parties involved, on XX/XX/202XXXX XXXX XXXX XXXX  withdrew the money for this walking boot from XXXX XXXX {$420.00}, stating that the claim was denied. My medical insurance XXXX paid {$190.00} to and the rest of {$190.00} was billed to me. I want to mention that a XXXX boot retail price is {$60.00} on XXXX. XXXX XXXX medical charge is not justified. 
XXXX XXXX XXXX is putting me in the Dynamic Collectors Inc. for {$190.00}. Please I need help with this collection that XXXX XXXX XXXX insurance was responsible for. Thank you.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (PA)

Mr. Cooper, a mortgage servicing company, has lost my personal data to hackers. 

I will have to deal with the financial hazards created by this corporate incompetence for the rest of my life. 

They are offering a palliative of credit monitoring with XXXX. I feel this is utterly callous and insufficient. They should be offering credit monitoring with all three major credit bureaus for at least five years. 

Also they should be held liable if I am exposed to any financial loss resulting from this data breach. 

The address for Mr. Cooper : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (UT)

My husband and I were contacted today by a company called " CRS '' from a Texas phone restricted number ... .we were told this was regarding a lawsuit and that they could not release any information unless we call this number XXXX and this was our file number it was in reference to ( I have this number if needed ). I called and the company was referred to as " CRS '' I spoke with a woman named " XXXX XXXX '' who said her direct line was XXXX. She said this was for an over drafted bank account balance for my husband with a bank from XX/XX/XXXX-XX/XX/XXXX and did I know anything about that, I said he has no bank account there. She confirmed his SSN and his DOB ( she had them already ) She stated well you don't know everything about everyone, I said I know his credit and this is not a legitimate dispute. She said well if he or his attorney does not contact us today regarding this matter that they will pursue legal action and garnish his wages to collect on the original balance of {$1200.00} plus legal fees the total would be {$4500.00}. I gave her my gmail and asked that she email all of these details for me to review with him as he was in a class today and could not be reached. She said she would. I have not received any such email from them. We were very upset by this. My husband did settle a closed account with bank back in XX/XX/XXXX but how would they even get this info now, this was also a paid balance? I did not explain any of this to her at that moment.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AR)

I notified this company the date they placed it on my credit report via mailed letter and disputed online because I was unaware this. I also asked that they removed this from my credit report. Because they are reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2023-03-29
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. (TX)

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is

a violation of 15 U.S Code 1681b ( a ) ( 2 ). I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card
Consumer complaint received 2024-04-09
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. (UT)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (NC)

Noticed a collection account from USCB. The original creditor states XXXX XXXX XXXX. I have absolutely no knowledge of this account. Requested validation of debt and original application and signature. I have received no correspondence at all. Basically, I filed a complaint about this same reason about this same debt collector. Basically, it is the same exact situation as the previous complaint filed for another erroneous debt in which documentation was requested over XXXX days ago with XXXX XXXX who has obviously ignored my request, ignored my request to dispute this information and who is further reporting inaccurate, false, erroneous information to the credit bureaus. If this is not resolved, I will seek alternative measures to remedy the situation.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (TX)

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-05-05
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 reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of Fair Collections and Outsourcing buying a debt that you do not owe, which is illegal. These XXXX credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all XXXX reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a XXXX back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. XXXX fed up now especially since its hindering my ability to rental a home and credit card increases.