davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (GA)

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX and 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history 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 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an account with Capital One Bank since approx. XXXX it was closed without notice or reason on or about XX/XX/XXXX. The balance was {$1100.00}. 

I discovered the account was closed when I went to bank last week and called Capital One. They kept me on hold for a long time and eventually sent me to a rep who said there was issue with verification. That there was some kind of mistake XXXXXXXX  they claimed the account was opened in XXXX XXXX and there was a verification issue. But their own statements attached show the account was much older. ( They only go back to XXXX, but the account was actually opened decades ago when it was ING, before they got bought out by Capital One. ) Based on this mistake, Capital One closed my account and sent a check with the funds to some address they said was 'unverified '. They did not tell me where they sent the check to, but that it should've been received within 5-7 business days. ( From XX/XX/XXXX. ) I have still not received a check or the funds from the account. Capital One said that by closing the account and sending a check ( wherever the XXXX they sent it ), they do not owe me anything else. Their position is that even if they sent the check to someone else 's address and someone else fraudulently cashes the check for my funds, it is my problem and they do not have to give me anything else. 

I believe this is larceny. I had an account and they were responsible for my money in their care under state and federal law. They didn't notify me the account was closed or ask me where I wanted my money sent. By their contention, they sent an unsecured check to an unverified address, which isn't just grossly negligent, it is reckless.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In accordance with the fair credit Reporting act Credit Acceptance Corp Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-01-23
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: FC HoldCo LLC (LA)

I visited XXXX on XX/XX/2023 to look into refinancing my auto loan. 

XXXX website advertises a prequalification with no credit score impact. 

I input my information and, upon hitting submit, moments later I was notified that my XXXX credit report was accessed by XXXX and Flagship Credit AcceptanceXXXX 

None of the three companies listed ( XXXX XXXX, XXXX, or Flagship Direct ) had my permission to do a hard pull on my credit report, and doing so is contrary to the advertising put forth by XXXX XXXX. 

I am including a screenshot of their advertisement as well as a written response from Flagship Credit Acceptance.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (TX)

On XX/XX/XXXX I received a physical denial letter for a business revolving line of credit, application number XXXX. 

Reason for Denial : ( XXXX ) Insufficient information on your Business Report ( My Business relationship started with XXXX over XXXX years ago, you can not open ANY business accounts without all details of your business & personal info verified ) ( XXXX ) Your credit report indicates that not enough time has elapsed since you opened your most recent credit account. ( I opened a Business auto loan w/ XXXX XXXX the end of XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with {$0.00} balance to date. The business bankers ( spoke with XXXX of them ) confirmed each product is different and does not weigh against each other - underwriting stated the opposite. 

XXXX XXXX XXXX is " Insufficient information on your Business Report '' I had to call and ask the following questions I. What business reports are used ( I had not received any letter or phone calls ) XXXX. How can the information be insufficient when I am currently a business customer with active business & personal information/accounts. 

I opened a case with LexisNexis - Case Number XXXX - As soon as I uttered the XXXXXXXX XXXX XXXX XXXX this statement was stated to me " LexisNexis can not be used in whole or in part as a factor in determining eligibility for credit ''. The individual in underwriting claimed they could not validate my business information hence the " insufficient information '' remark. 

When opening this case I asked LexisNexis to mail me a list of vendors that report to them ( can not provide ) and who they receive their information from. I was informed they receive their information from " multiple '' data sources. My data is accurate with XXXX, XXXX XXXX XXXX XXXX XXXX, where else could this information come from? 

XXXX XXXX is used to compile a businesses credit score for Lexis Nexis. None of my business information or risk indicators are correct on the report I received from Lexis Nexis ; we went through every incorrect error including the date my business was established which is WILD! This information should NOT be in use at ALL, I know I am not the only business owner with this experience. 

This is the longest complaint I have provided, but a resolution for everyone needs to happen with LexisNexis and XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allied Consulting Services LLC (TX)

I have been contacted by 2 family members and my ex-husband regarding phone calls they have received from Allied Consulting Services. ACS has been contacting people I know advising that they are calling regarding a judgment against me. I called Allied Consulting Services and they admitted to providing my family and associates with this information and stated they legally can tell third parties that there is a judgment against me. I am not currently going through a court case with anyone and no lawsuit has been filed against me. The tactics this company is using are illegal and harassment.
Consumer complaint received 2024-01-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AAA Collections (SD)

I have no idea we're this debt came from every time I call AAA collections they're not helpful with his dad her how I can resolve it without paying so much money that I don't have. I have XXXX children that I got to take care of can provide more info if needed. At the time I think I left my husband who was very abusive and I believe this debt is expired
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates , LLC Acct # XXXX XXXX I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS. please have this company cease all collection activities this my last attempt to complain outside of court.
Consumer complaint received 2023-09-18
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. (GA)

This Person ( XXXX XXXXXXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2024-01-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ResidentCollect, Inc. (LA)

They have called me every single day for years and I have told them to stop. I have had to block their calls to get them to stop harassing me, but I can still see that they attempted to call me. Some calls are happening multiple times a day and once again it is every single day. I have told them about the situation about the debt and they still keep harassing me. The debt had occurred in 2017 and I still am getting harassed. 
The phone number is XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

I received an email stating that my monthly statement is available, but I never opened an account with them. This email has my name and the last XXXX numbers of the account. I thought it might be phishing, so I went to XXXX and looked them up. I thought there might be a possibility that I didn't remember opening an account, so I tried the forgot password feature. They want card info, which I don't have. I called customer service, but their entire system is automated. That system also wants card info, which I don't have. I need to know if there is an account in my name, but there is no way to contact an actual person. I don't know what to do.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604a states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a states the banking system is dependent upon fair and accurate credit reporting. Attached are my credit reports which will clearly show discrepancies within the reported balances. These inaccuracies on my report have caused a lot of trouble for me as I'm in the market for a new car.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account : Original Creditor Name XXXX XXXX XXXX XXXX Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
8. Your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2023-06-07
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: Fidelity National Information Services, Inc. (FNIS) (PA)

To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within 15 days.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

This is about a Mazda XXXX XXXX account on my credit report thats showing 3 different dates from 3 different bureau 's these accounts should be showing the same information when there not! From my understanding there is a law stating Your Credit reports should have no errors when reporting issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported For XXXX XXXX XXXX XXXX date Reported is XXXX XXXX Reported a date open on XXXX Basically what am asking is for these accounts to be removed from my Credit report at once. Thank you
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempts to address this pressing issue. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$980.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$980.00}.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

Attempting to repay loan balance however website login is not properly functioning. Am unable to login to account and hold times on phone customer service are over an hour long. All loan information is only available through website. This results in a complete inability to pay loan which may cause penalties or late payment reported to credit bureaus
Consumer complaint received 2024-01-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

On XXXX I was gifted a {$50.00} Amex gift card that could supposedly be used with online or in-store vendors. When attempting to make multiple purchases online, primarily through XXXX, the card was declined each time. In a couple of cases, a processes fee of XXXX XXXX  was charged to the card while the transaction still resulted in a decline ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When speaking with the customer service representative for Amex, I was assured my card was active and could be used online. Unfortunately, that was not the case and the card continued to be declined. When speaking to their support staff again, they encouraged me to shop at another vendor or to make a purchase in person. The amount for the fees is still gone and I have no resolve for the use of the card.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

The loan assumption, with XXXXLakeview, removed me from the loan XXXXn XXXX of 2023. Ive been trying to close this account on my credit report ever since. I requested a release of liability letter and that someone return my call and give me an update, no one returned my call or followed up with me.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

XXXX XXXX XXXX  credit acceptance Whenever I try and get a car loan I keep getting credit acceptance on my credit saying that the account is open when indeed it is closed. It only shows up on my XXXX XXXX creditors. This car was given back to the car dealership because it started having transmission problems a month after I got it. I had them come pick the car up. Bottom line its been over XXXX years since I've had this vehicle it should not be showing up as an open account.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (UT)

Received an email XX/XX/XXXX for a debt that is not mine and unsubscribed from their list. I have a service that monitors when my email is subscribed to an email list. I have been re-enrolled without my legal authorization and then emailed every XXXX  days on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX