davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Firstsource Business Process Services, LLC (GA)

I have stated that I am a victim of an identity theft, and the alleged fraudulent account that FIRSTSOURCE ADVANTAGE is attempting to collect the debt from me is not my account. 
I have submitted a following documents to FIRSTSOURCE ADVANTAGE back in XX/XX/2020. Please cease FIRSTSOURCE ADVANTAGE attempt to collect the debt is not mine and fraudulent. 
1. PERSONAL IDENTIFICATIONS 2. FTC IDENTITY THEFT REPORT 3. POLICE REPORT 4. FCRA SECTION 609E 5. FCRA SECTION 605b Also, FIRSTSOURCE ADVANTAGE failed to provide me with the following documents that I have requested on the date of XX/XX/2020. FIRSTSOURCE ADVANTAGE has to validate and verify that the account is mine if FIRSTSOURCE ADVANTAGE want to collect any alleged debt. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications A sworn statement from the person who witnessed myself applying for this account Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account
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: EQUIFAX, INC. (NV)

My identity has been compromised and seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of ED/ XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of EDXXXX XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of EDXXXX XXXX {$1200.00}
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: EQUIFAX, INC. (TX)

COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX  2.XXXX  XXXX  3. XXXX  XXXX  XXXX
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Consumer USA is in litigations with my State of New York. As of today i have not received any guidance on how this lawsuit will be helping get through this unaffordable loan. I have been with them since XX/XX/2018 and after all the payments i have made not even {$5000.00} has hit my principal account. I struggle to pay my loan but i do so i do not have to continue paying so much interest and hurt my credit. I did reach out to the executive office and received a call that i am not entitled to any relief. Yet my name comes up in the suit through XXXX XXXX. They spoke down to me and treated me like i was the one doing something wrong. Santander basically washed their hands in regards to this lawsuit and refuse to provide me any information
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (WA)

EIP card for stimulus. Was given directions on how to activate card for use. Call the phone number on the information and asked for card number. Upon entering card number into system, it then ask for my password. I do not have a password as I am suppose to call this number to activate the card and create a password when I call. Can't give a password that doesn't exist. There is no one available to answer this issue as every time I call, it ask for the exact same request for a password that hasn't been made yet!!!!
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: EQUIFAX, INC. (LA)

I've disputed numerously about inaccurate information that is not mine.They have included this information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports the publish.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have made numerous attempts to have this account and inquiries removed to no avail. Please can you assist me in getting this account as listed and all inquiries removed immediately. This has been very time consuming and has caused me a lot of undue stress due to these circumstances. I thank you for your help and assistance and look forward to a resolution in this matter. 

XXXX XXXX XXXX XXXX Acct # XXXX. 
And all inquiries listed on my credit report that I did not authorized.
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. (NJ)

Late payments reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan late for any purpose
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (NY)

Equifax is reporting unauthorized inquiries i did not consent to or authorize. I filed a dispute with Equifax to no avail. I will attach a copy of my filed identity theft report to this complaint.
Consumer complaint received 2021-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MECHANICS BANK (CA)

Mechanics Bank formerly Rabobank consistently and constantly applies our monthly payments incorrectly. Causing us stress as well as unnecessary late fees & penalties. We are continually on time monthly with our payments. 
We recently submitted a complaint and got a very professional letter and phone call of apologies ; expressing that it was done in error on their part and that it would be corrected and NOT happen again. That was incorrect. They continue to apply our monthly payments incorrect, assess fees and penalties to our account and report us negatively to all the credit bureaus. 
This has been in fact happening since 2011 at which point they put us into foreclosure did not rectify the situation we ended up paying XXXX for their errors/mistakes to get our home out of the foreclosure process. 
Each time I call this institution to clear things up I am told that our account is " Restricted '' and needs to be handled by the appropriate person. 
When we go into a branch to make payments or mail in payments they are VERY consistent with applying the payment incorrectly, assessing fees/penalties sending us late notices and phone calls. What can be done for our stress over ALL these months and years! PLEASE HELP!!
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XX/XX/2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you
Consumer complaint received 2023-06-30
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. (NC)

I reached out to XXXX XXXX  about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

During a telephone conversation with Discover on XX/XX/XXXX XXXX 1 ) requested to have my credit card account closed and 2 ) requested copies of all statements from XX/XX/XXXX to XX/XX/XXXX in order to determine if any charges were fraudulent. I was told my account was closed as of XX/XX/XXXX. I received the requested statements later in XXXX. I followed up in writing on XX/XX/XXXX confirming both requests. 

In the XX/XX/XXXX follow up letter, I identified {$890.00} in fraudulent charges that I requested to be reversed. I provided detailed information regarding the dates and amounts of the disputed transactions. I have received no response from Discover and no charges have been reversed. 

Since the XX/XX/XXXX request to close my credit card account I have had an additional {$200.00} in credit card charges. These consist of four monthly charges of {$17.00} from XXXX and one charge of XXXX from XXXX. 

On XX/XX/XXXX I had another phone call with Discover. I was told that my account was not closed on XX/XX/XXXX. I was again told that my account would be closed. I hope it was, but am not confident. I was also told that Discover would not reverse the charges described in my XX/XX/XXXX letter nor would they reverse the {$200.00} in charges described above ( charges made since I requested the credit card be closed on 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit, this is unacceptable!
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. (FL)

Under Fair Credit Reporting Act, its against the law a debt collector to sale or report the same debt multiple times on the same credit report. I have complained about this issue beforehand & the Debt collector XXXX XXXX XXXX XXXX XXXX was removed but reappeared on my credit report. It's states in FCRA once debt collector has been removed due multiple erroneous & it can not put back on the credit report
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've filed several complaints with everyone involve including Transunion, XXXX and XXXX  and all Creditors and debt collectors. I have included Fraudulent Items in my Credit Report XXXX XXXX- Account # XXXX for {$110.00} XXXX XXXX XXXX  # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXXXXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I HAVE BEEN CONTACTING ALL THREE OF THE CREDIT BUREAUS TO CORRECT MY CREDIT REPORT UNDER MY SOCIAL THEY HAVE ON FILE SINCE XX/XX/XXXX!! NOT ONCE DID I RECEIVE ANYTHING IN THE MAIL IN REGARDS TO MY INVESTIGATION. THIS IS RIDICULOUS I AM TRYING TO PURCHASE A HOME AND FIX INACCURACIES ON MY CREDIT REPORT AND NOTHING HAS BEEN SOLVED. AT THIS POINT I AM DISTRESSED MY THE NEGLIGENCE ON THEIR BEHALF.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I request that ERC provides competent evidence that I owe the debt and send me the following information : The amount of the debt Copies of documents that show I agreed to pay the debt The identity of the original creditor Proof that the Statute of Limitations has not expired on this account Proof that you are licensed to collect in my state Your license numbers and registered agent If ERC has unfairly reported this debt to the three major Credit Bureaus, it may constitute fraud. Please validate the debt or remove it from my credit report at all three bureaus.
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2017 I did a consumer credit transaction with Marcus by Goldman Sachs. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. Goldman Sachs is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. Goldman Sachs failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).
Consumer complaint received 2021-01-19
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Date of transaction : XX/XX/20 Amount of transaction : {$620.00} I rented a vehicle from XX/XX/20 until XX/XX/20. The vehicle did not function and/or was unsafe to drive on multiple occasions. The merchant said they would issue credit. The merchant did not issue credit like they said. I initiated a dispute with Capital One. Capital One issued a temporary credit. Capital One then suspended the temporary credit and requested I sign a document in order to continue the dispute. I signed the document to request the dispute be continued. A few days later Capital One sent me a letter saying my dispute was closed because I did not provided all of the information, and " When you give your credit card number to a merchant when securing services or merchandise, you are authorizing a charge by that merchant. We can only request a credit from a merchant if we can document how the merchant violated an operating guideline, rule or regulation. '' I then contacted Capital One through the chat function on their website. I requested an accommodation under the ADA Title III that Capital One provide clarification as to why my dispute was closed. The representative then closed the chat function without responding.
Consumer complaint received 2017-07-15
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: COMMUNITY CHOICE FINANCIAL, INC. (FL)

my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (MA)

Good Afternoon ; I was actually shocked over the weekend to find a 2 new medical collections from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on XX/XX/2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request.