davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (TX)

this medical bill was report to my credit and is not accurate or factual I had no knowledge of this and has dropped me XXXX  points from account number XXXX original debt was XXXX XXXX XXXX XXXX commonwealth financial has placed this on my credit report with no prior knowledge of this belonging to me I ned this removed and immediately
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (WY)

First found out RaushSturmLLC was the firm that had a judgment palced in XXXX XXXX in XXXX  that I have never received any notification of so I contacted them finally around XX/XX/XXXX th spoke to the attorney XXXX XXXX requesting all documents supporting the judgement and what to do to reslove this in a timely manner. On XX/XX/XXXX after phone conversation to offer less settlement he declined but he said if I paid with a certified funds it would save is the 2 week time period it takes for them to verify funds that was sent priority mail on XX/XX/XXXX they received it XX/XX/XXXX the account was paid in full and resolved and per a representative the satisfaction documents would be maild the XXXX of XXXX. Multiple calls and requofor documents fax and email and oaper mail were asked by me and never sent XX/XX/XXXX I called back and XXXX XXXX said he signed and sent himself the documents to the courthouse with never received them .. so on XX/XX/XXXX XXXX after still nothing I called a live rep she stated it was still pending so I called XXXX he said I swear on a stack of bibles I sent it the XXXX XXXX  of XXXX but will recend today. As of the XXXX XXXX  I have no mail XXXX  has nothing There is much more to this than I can write but He violated our rights per statute he stated he had to follow. 
Please please help
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX { Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OR)

I ordered a TV and a phone with XXXX, opening a new credit line. They were supposed to send me the info for the payment by XXXX. 
I did not receive a statement until XXXX, and they had already reported me as 30 days late. I paid the amount off shortly thereafter to remove the potential for another harmful misrepresented statement. 
XXXX has refused to acknowledge the mistake on their end and remove the 30 days late from my credit report.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

My Account was comprised back in XXXX. I completed disputes with Navy Federal regarding unauthorized transactions. There were serval unauthorized, along side two cash advances and received credits for all. My fraud claim was honored and credits were supposed to be applied and stay on account. 3 months later two of the cash advances were denied via my online banking account. One for {$990.00} on my go rewards and {$1000.00} on my cash rewards. When calling Navy Federal and speaking with several supervisors no one can seem to tell me why the credits were reversed and why I should be responsible for fraud cash advances that I did not do. When speaking with one supervisor they stated the money never left Navy Federal but somehow its showing on my statements that Im responsible for payment on the unauthorized cash advances. I have went over statements and no one seems to know why or what happened. I was issued a provisional credit for both cash advances that they stated never left navy federal but credits were issued that they also said should not have happened. They are stating that they went to get the funds and couldnt retrieve them. As I told them several times I never received any moneys. That there workers automatically applied the credits. This has been going on for two weeks now no answers my credit cards are drawing a 18 % interest rate and me and my authorized user are trying to buy a house and this is affecting our credit. I have reached out to everyone at Navy Federal with no honest answers as to whats going on with our accounts. I have been with Navy Federal for over 10 years and cant believe they are not honoring their policy and putting the customers first and protecting my money not once but twice and putting me responsible for payment of unauthorized transactions when my entire bank account was compromised.
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson capital has 1 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # XXXX
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (GA)

I bought my car during covid, I ended up getting very ill and could not keep paying my car payment which had a 14 % interest rate on a XXXX XXXX I tried to reach out and get a lower payment but they kept denying me.
Consumer complaint received 2022-12-10
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. (NV)

I have tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau Equifax, XXXX, and XXXX didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is XXXX ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically XXXX will get the dispute and send it out to the creditors being disputed. XXXX also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from XXXX, this investigation is illegal. 
My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (CA)

Convergent outsourcing is reporting an account that they claim was sent to them for XXXX. The verification they sent me shows a final bill in XXXX. This bill is beyond the statue of limitations to be collected on and should not be reporting to my credit report anymore. I have filed a claim with FTC and have sought legal help. Credit reporting agency also has not sought proper verification for this dispute.
Consumer complaint received 2023-08-09
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. (NV)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 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 and XXXX  XXXX XXXX.
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

Around XX/XX/2013 I refinanced a loan with this company and surrendered my truck title as collateral. We set up auto draft so this company would always receive their payment on time. After paying off the loan I waited and waited but never received my truck title, finally I called this company only to be told they had mailed my title. I waited and waited again, 6 months had passed at this time and I started calling again only to be told they had just mailed it out. Again I have waited, called, left messages until I have given up and tried to apply for a replacement title only to find out this company is still showing my truck title with a lien against it, 2 years after it was paid off. I went by a local branch of this company and found out my title ad never been mailed, that it was sent to another branch over 400 miles away. Still I can not apply for a replacement title because this company is holding it hostage. I have checked all of my credit reports and it shows the account paid in full and closed, but I still have no title.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I found there are some unathorize hard inquiries on my credit report that I did not authorize. 

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 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have made on time payments since XXXX. My credit report says I have a severely delinquent account. After two years of disputes I received a letter from XXXXXXXX XXXX XXXXXXXX XXXX stating they did not report a delinquency in XXXX after I filed a 4th dispute in XX/XX/XXXX. My Experian report is still showing delinquency on a closed account on XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX when I filed disputes. None of those should be on my report. This has made it so I cant qualify for a house or car loan because their report flags my account.
Consumer complaint received 2022-09-20
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. (MD)

This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, XXXX and Experian, XXXX for refusing to report my XXXX XXXX XXXX card ending account # XXXX. In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, Experian and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid 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: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/2022, someone used my card for a purchase of {$3800.00} from XXXX XXXX. I started a claim regarding this issue and was denied by Santander Bank. The bank won't give me the transaction details etc tracking number, name, phone number of the package. They only told me the merchant provided delivery confirmation but i never receive any package. Please help me resolve this issue.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My mother passed away 9 months prior, and I have been paying and dealing with her mortgage and small estate since. The house was sold as of XX/XX/XXXX no thanks to BoA who nearly ruined closing being unable to provide us with a payoff letter until my brother found an automated system which apparently none of the reps in the Mortgage department knew about. 

The problem now is the remaining balance in the mortgage 's property tax escrow account. I have been attempting to deal with BoA for over a month. They insisted on sending a check to the address of the house that was sold against my instructions. The check was unfortunately not forwarded by USPS and was lost. In the meantime I send them every document they asked for losing them on 2 occasions. I sent them a death certificate and a properly filled out and notarized Illinois Small Estate Affidavit. They refuse to reissue the check and send it to my new address. I have called their mortgage department twice. I spent 30 minutes with a rep who first told me flat out that they will not accept the small estate affidavit. She then started giving me incorrect legal instructions to have it filed with the county which I immediately called her on. She then told me she would escalate the issue. 

I then faxed them a copy of the Illinois statute with the relevant portions underlined. Illinois statute requires them to accept a properly filled out and notarized small estate affidavit. Bank of America 's  own website says they accept small estate affidavits in compliance with state laws. I have not heard from their escalation department in the agreed upon 48 hour timeline.
Consumer complaint received 2023-04-12
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. (SC)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-11-24
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: EQUIFAX, INC. (TX)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX 15 U.S.C.1681 Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows, or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
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. (FL)

I have another complaint with this company already. However today they told me I needed to make a payment on an account that isnt mine in order to keep it from negatively hitting my report though this isnt my account and I am currently disputing that fraud. It hit my credit report anyway and now is effecting my home loan process.

They are awful. The customer service rep knew nothing about my 9 attempts to dispute this and couldnt help me otherwise. She couldnt verify what was being worked on and when I asked if I needed to send the FTC identity theft report again she said she did not know.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (NY)

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXXXXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.