davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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. (NC)

XXXX XXXX XXXX XXXX has inaccurate information reporting to my credit repotr on all 3 credit bureaus. The rules of the FCRA states that if the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 
i will be attaching all the inaccurate reporting that is being reported. i have tried multiple times to address this but my be i explained it wrong.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Improved Data Services LLC (MI)

There have been periodic calls and communications from this company regarding a debt that is not owned by me and is instead apparently owned by my father instead, whom I have not had communications or associations with for many years ( estranged due to family dynamics ). The most recent of which was via text message on XX/XX/2021.
Consumer complaint received 2021-01-20
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)

I recently pulled up a copy of my credit report to check accuracy, and seen inquiries on there that I did not acknowledge. I am unsure how they were able to pull my credit without my consent.
Consumer complaint received 2021-01-20
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. (TX)

Items where illegally ran on my credit. Not giving consent to do so by me.! 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 2024-03-26
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)

I am the agent XXXX, XXXX : for the Principal XXXX XXXX opting of reporting services for the XXXX  XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

On XXXX [ XXXX XXXX XXXX ] and derogatory mark on my credit report per [ EXPERIAN ]. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ XXXX XXXX XXXX ] has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I applied for a new line of credit and the company informed me that my credit score had dropped so I logged in to Equifax to check my credit report and I saw that my credit score had dropped tremendously I have paid all my open accounts on time and I didn't open any new line of credit and there is no collections on my account.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (RI)

XXXX, XXXX, XXXX XXXX XXXX and their debt collector Rausch Sturm are using threats of a lawsuit to attempt to collect a debt that is not owed. They are doing this in violation of the FDCPA. They know that they can not prove that I owe the debt in court, because it was the product of identity theft so they are using a threat of legal action in order to try to fraudulently collect on a debt that I do not owe. They should be fined under the FDCPA and now that President Biden has been sworn in, I would expect that the CFPB will start actually doing its job again which means bringing lawsuits against these rogue debt collectors that were allowed to flourish over the last four years. 

The XXXX credit card that they are trying to collect on was paid in full about four or five years ago. I actually took out a HELOC and consolidated credit card debt. The account ( along with a few others ) was reactivated and used by an identity thief. XXXX, XXXX, XXXX XXXX XXXX and Rausch Sturm have all been supplied with the police reports and the FTC reports. YET they continue to try to fraudulently collect on this debt in violation of the FDCPA. I understand that the former chair of XXXX was a close friend of the former President, Donald Trump, and that may be why CFPB never did anything about this before -- but now, we have a new President who is upholding the laws, so I would like the FDCPA enforced in this matter and in ALL accounts that XXXX if fraudulently trying to collect on.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-20
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. (MA)

*******see attachments for detail supporting******XXXX Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I borrowed {$7600.00}. I've made payments totaling {$6500.00} since XX/XX/2019. I've just recently inquired as to my remaining balance. It is {$6800.00}. I re-reviewed my loan contract and the terms are very different from what I signed up for. Here at the listed terms. 


APR 57.81 % Finance Charge {$15000.00} Borrowed amount {$7600.00} Total payments {$23000.00} I reached out with no response.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC (TX)

I do not even know who these people are or who they are working for. They have been calling via robocalls for a year or more every day and some times more than once. What little I know is that they say they are debt collectors trying to collect a mortgage debt. We haven't had a mortgage for more than ten years and it has been paid off for more than ten years. I asked them to stop calling but all they want is more information about us. I believe they are some kind of scam artists. 

They say to contact them at SLS.NET on the internet or call a telephone number. What they are after as far as I can tell is more information from me. 

Their phone number is XXXX XXXX XXXX XXXX XXXX They haven't sent us anything or told us anything about what they imagine we owe or who we owe it to. They just have been harassing us VIA robocall every day and sometimes more than once for more than a year.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid 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 purchased 8 tickets to XXXX XXXX XXXX XXXX and a parking pass for my XXXX XXXX troop through XXXX of XXXX XXXX XXXX XXXX XXXX program. I paid {$430.00} for the tickets and pass with my XXXX Rewards Club credit card issued through Chase. Since the amusement park ended up being closed for the time the tickets were valid, through XXXX XXXX, XXXX, I was told by XXXX that I would receive a refund in full of {$430.00}. XXXX said on XXXX XXXX, XXXX, that it had issued the refund to the credit card I had used to pay. Only I had closed my credit card in XX/XX/XXXX. When I contacted Chase, they said they " were unable to locate the merchant credit '' and that my credit card account, closed just six months earlier, had been purged. They told me that if XXXX had sent a refund, it would have been returned to them within 30 days. XXXX insists it issued the refund to Chase, but Chase says it has no record of it. The merchant keeps telling me to contact Chase, Chase keeps telling me to contact the merchant. It has been an endlessly frustrating loop and the ones who have suffered most are children, XXXX XXXX who never got the amusement park trip.
Consumer complaint received 2021-01-20
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. (MA)

*******see attachments for detail supporting******* Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!
Consumer complaint received 2021-01-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (FL)

I have sent a few CFPB responses in regards to Bridgecrest and they have not been properly resolved by Bridgecrest. The Fair Debt Collection Practices is intended to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuse This includes Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit results from an awareness of the cost thereof by consumers. I have been deceived by Bridgecrest. This includes them providing false and misleading information during my consumer credit transaction. I am a Federally Protected consumer that has not received sufficient information on the verification of the alleged debt. Bridgecrest has threatened to disable/repossess property that is mine, continually attempts to collect on an alleged debt after I have sent a cease and desist 15 USC 1692c ( c ). It has been unauthorized use of my credit card in which I did not benefit from Pursuant 15 USC 1602 ( p ). Please see attached
Consumer complaint received 2021-01-20
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: Westlake Services, LLC (TX)

Items where illegally ran on my credit. Not giving consent to do so by me.! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/westlake financ XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (TX)

I have made several requests to obtain debt repayment contracts from NCB Management Services Inc . They have not provided me with a SIGNED and dated contract between myself and NCB Management Services. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I called Chase to ask a question about my Chase Amazon Credit Card. 
I asked the representative to assist me in scheduling the XXXX payment, due on XXXX/XXXX/XXXX. The full amount due was to be debited from my checking account. 

The rep read me the statement, on a recorded line, and I did authorize the balance due in full ( {$500.00} ) to be paid on the due date of XX/XX/XXXX. The confirmation number is XXXX. I asked the rep to please confirm the payment would not be taken until XXXX. I had just paid the XXXX balance in full on XX/XX/XXXX. 

The {$500.00} was deducted from my checking account on XX/XX/XXXX. I called Chase immediately and reported the issue, asked them to listen to the recorded call. I did not authorize this payment on the date it was debited. 

I asked to speak with a supervisor ( XXXX ) who told me it would take 5 business days and I asked for the monies to be returned sooner. She hung up on me. 

I then called Chase Corporate to make an Executive Complaint. I spoke with XXXX, ext. XXXX, telephone XXXX. I asked for an incident report reference number and it is XXXX. 

This time I was told there would be an investigation and it could take 14 days to resolve. I stated it was their error of taking the money too soon -- -I did not AUTHORIZE ANY DATE FOR THE PAYMENT EXCEPT FOR XX/XX/XXXX. 

This was the mistake of the Chase Rep and I simply wanted the money returned to my checking. I also take issue with the supervisor, XXXX, hanging up on me. 

Can you please expedite the return the of he money to my checking? I NEVER authorized this payment on the date it was taken -- that date is still 2 weeks away. 
Thanks,
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion claims that I send additional information on my current dispute. However, they're attempting to combine two separate investigations with additional 15 days. I never send the same dispute for additional information.
Consumer complaint received 2021-01-20
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)

On XX/XX/XXXX I paid in full for 11 accounts from XX/XX/XXXX for a total of {$2100.00} I disputed the collections and uploaded the same receipt im sending you. 2 of the accounts were deleted off my report but there are still 3 that are still on there and shows as a negative even though its completely paid off and closed. the dispute came back with accurate but still not removed. 

I also contacted XXXX XXXX XXXX  about this and they said they don't do anything but report to the agencies they cant remove items that's up to the reporting agency. 

I'm trying to get my first mortgage so i'm trying to clean up my credit that is why i'm asking the credit bureaus to delete the info so that my score goes up. when i spoke to experian yesterday they said it has to stay on my report for 7 years which is not correct if 2 already came off. i'm trying to do the right thing here and need your help to get these removed from my reports any XX/XX/XXXXXX/XX/XXXX on the reports.I don't see them on XXXX anymore so its just experian andXX/XX/XXXX 

On XX/XX/XXXX I paid in full {$170.00} for XXXX XXXX same as above still on report on XX/XX/XXXX i paid in full XXXX XXXX {$140.00} same as above paid, closed but not removed and lastly XXXX  shows that I still owe for a car loan that was a judgement that was dismissed in court and i sent the court order and is still under collections and has not been removed or changed documents uploaded to show the accuracy. 

Thank You XXXX XXXX
Consumer complaint received 2021-01-19
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. (NC)

In XX/XX/XXXX sent a dispute to experian they responded back with account verified but failed to send verification, in XXXX submitted a XXXX letter which came back verified followed up with a follow suit letter as to how they could keep verifying a account that the other 2 bureaus deleted for lack of verification. The last response from them was in XX/XX/XXXX stating account is still verified and outcome remains. The have failed to send me any documentation as to how the account has been verified.