davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account. 

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards XXXX XXXX XXXX, and XXXX XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc. (NC)

KIckoff account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi Credit Card for Costco charged {$74.00} in interest on our XX/XX/year> statement. We paid our balance in full for the prior statement in XX/XX/year> so that we can avoid paying interest. We sent request for resolution and never received response from Citi Credit Card.
Consumer complaint received 2023-08-12
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. (AL)

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.

US Dept of EDXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (MD)

I am writing because I applied for credit with XXXX XXXX XXXX on XX/XX/2024. When I didnt get a response, I called them on XX/XX/XXXX for a status update. 

I was told to fax a copy of my ID and Social Security Card, which I did. 

On XX/XX/XXXX, I called again to confirm they had received the fax, and I was told they did receive it and to give them a little more time to process. 

I called again on XX/XX/XXXX and was told again that I needed to fax in my ID and Social Security Card. I informed the person that I had already done that, and the last person I spoke with had verified it. 

Still, she insisted they never received it and asked me to send it in again ; she would have them expedite processing my application due to the circumstances. I complied, sent it while she was on the phone, and then had her confirm with me on the phone that she did. She also told me to call back the following day to ensure they received it in their processing department. 

I called again the next day, XX/XX/XXXX, and confirmed with them that the processing team had received it and I would be hearing back soon. 

I called again on XX/XX/XXXX and complained that this was getting out of hand and I needed an answer. I was told that they were backed up on applications and to just wait. 

Time went by, and that brings us to today, XX/XX/XXXX. I called in, and they told me for the third time now that they never received my documents. When I pushed back, the woman said, We received your ID but not your Social Security Card, to which I responded, That is impossible, because the document I sent has them both on the same sheet ; they are not separate, so there is no way you have one and not the other. 

I think Ive caught on to the scam. By law, they have to respond within 30 days to a completed application. But as long as they can lie and say your application isn't complete, i.e., pretending they never got your documents, they can keep stretching this thing out. 

Meanwhile, they already put a hard inquiry on my credit report, which affects my scores and deters other creditors from giving me credit. 

I did some research online and found it odd that all of this companys social media profiles are locked up, preventing anyone from leaving reviews or comments. 

But when I search their name in general, I found tons of people saying they were scammed by them as well. 

They used to go by a different name before rebranding to Concora Credit. People online say they went by Genesis Financial. 

I also tracked down their XXXX page and found people making the same complaints there. 

These people are collecting identities and doing lord knows what with them. Somehow, they are able to get themselves recommended through reputable search pages like XXXX XXXX, for example. 

I want compensation for the damages theyve caused me.
Consumer complaint received 2023-06-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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: LEXISNEXIS (TN)

On XX/XX/XXXX LexisNexis sent me a letter stating that they could not verify my Identity or documentation could not be verified. I have submitted paperwork to Lexus Nexus several times and provided my social security card, driver 's license, and supporting documentation. LexisNexis State the information documentation was not legible. I will resubmit documents driver 's license, social Security card, Court judgment order vacating fraudulent bankruptcy, FTC identity theft report, police report. I will resubmit documents through this cfbp complaint portal making sure that documents will be received and process efficiently to LexisNexis. The following items should be removed fraudulent bankruptcies listed in the vacate order, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I've been attempting to refinance my house since beginning of this year. After submitting CFPB complaint XXXX due to lack of response on XX/XX/2020, Lakeview referred me to XXXX ( another company under the umbrella company ) for refinance. I was referred on XX/XX/2020. 

My house STILL is not refinanced and there is no timely updates. Lakeview as a whole including all the subsidiaries seems to have an issue with prompt service and giving consumers the runaround. We are approaching 3 months with nothing done. 

I'd like the refinance to be complete and/or existing mortgage interest rate to be reduced by Lakeview. The delay has been solely due to Lakeview and it's subsidiaries incompetence, negligence and  inefficiency. 

My goal is to avoid legal action.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NV)

I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card.

-Copy of my valid Photo ID.

-Contract signed by me.

-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
XXXX XXXX and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since XXXX XXXX  and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to XXXX XXXX today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " US Bank '' have sold the account US Bank has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then US Bank sells the unverified accounts to a different collection agency.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (MO)

i have had regions checking and savings for 28 years my routing number has always been XXXX i used this as i have every year on my tax retun to obtain my refund this year my refund kicked back because of routing number when i called XXXX XXXX branch manager @ regions bank XXXX nmls XXXX was told my routing number was different he could not tell me when the change occured i contacted XXXX regions AHC department with XXXX and XXXX on XXXX and was told my number was different but could not tell me when it was changed
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (OH)

On XX/XX/2022 I escalated an issue for filed disputes with my business and personal checking accounts after which I received new debit cards. I have had to file several disputes this year with PNC. A branch representative informed me that there were active debit cards associated with my checking accounts which PNC mailed out after my past disputes were filed we confirmed I never had these cards in my possession. We came to the conclusion that these active cards easily left my accounts/information vulnerable to fraud, and the branch representative deactivated those cards. The most recent dispute for the personal checking account was never resolved, and I received notice that PNC would be closing the account along with the reserve and savings account associated with this checking account in the PNC virtual wallet. The reason for closure is simply PNCs right to review their relationship and make decisions. As discussed, the closure was triggered due to multiple disputes on the accounts. This is unfair, because my accounts/information were compromised for months without and resolution until a branch representative closed the active cards PNC claims to have sent in the mail. Had they been closed already, I would have maintained a relationship with little to no disputes. PNC claims that my business account may be at risk of closure as well.
Consumer complaint received 2023-08-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX I notified and send out certified mail to TRANS UNION, XXXX and Also XXXX notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.
Consumer complaint received 2023-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX I notified and send out certified mail to XXXX XXXX, XXXX and Also EXPERIAN notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.
Consumer complaint received 2022-11-03
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. (WA)

I submitted a letter to the 3 Credit Bureaus to adjust this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

My  credit score w  ith  XXXX   is  XXXX , with  XXXX  it is  XXXX . When I applied for a ne w   Venture Capital rewards card yesterday ,  XXXX / XXXX  /2017, they  insisted my score was not good enough at  XXXX . My  credit score  has never been that low. When I tried to speak with them, the representative insisted my score with   XXXX    was now  XXXX  when in fact it is  XXXX . The representative also insisted I had to use thei r "   XXXX   XXXX   '' site to  " repair '' my cre dit.   Venture pre-approve d me for the credit card I applied for, then denied the credit saying my score was too low. To date,  XX/XX/  2017 a t   XXXX   XXXX  , their representatives have given me  XXXX  incorrect credit scores and insisted I enroll in "  XXXX   XXXX  '', a service owned and run b  y Venture Capital. T  his kind of action feels like a complete scam. They not only have wrong information but they seem to be unwilling to fix it.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Management Consultants (CT)

I am not responsible for a debt this company claims I own. I am not responsible for the debt Western Management Consultants, LLC claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, or the original creditor. Apart of that this company is not licensed to collect any debt in Connecticut
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I was alerted to the change in my credit report. I have not recieved a phone call, written notification of this debt, or any emails on this debt. 

the only debt I have that this could be, I had attempted to rectify with the company as they could not offer proper cell phone service, they could no longer provide service after 22 years. I called the company numerous times to fix this and they could not rectify it. i could no longer make phone calls, or access the internet. I had to go to a new provider.
Consumer complaint received 2024-06-11
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. (KY)

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : In Violation of Permissible Purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports and It is illegal to report collection of delinquent child support, judgments, fines and liens may no longer be permitted. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. In summary, the courts now hold that judgment creditors do not have an automatic right ( permissible purpose ) to access an individual 's credit report based on outdated interpretations and FTC guidance, which were superseded by the newer provisions of the FACT Act. This reflects a stricter interpretation of when and how credit reports can be accessed, aiming to protect consumers ' privacy and credit information. These violations raise serious concerns regarding the accuracy and legality of the information being reported. Also, willfully in violation of 15 U.S. Code 1681s1 ( 2 ) reporting after 7 years. 
Remove Immediately XXXX Child SupportXXXX XXXXXXXX Child Support XXXX or any variation of the name child support in this complaint. Please, send an updated copy of my current consumer report to the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX, XXXX KY XXXX