davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK (MO)

I made a payment, to CRB Auto/Mechanics Bank, on XX/XX/2021 for {$230.00}. When I went to pay my bill for XXXX, I noticed a late fee for {$11.00}. When I went to make sure I paid in XXXX, I discovered a " payment reversal '' on XX/XX/2021. I called the bank I used to make the payment, and was informed that at no point over the last 3 months has my balance dropped less than {$280.00}, and therefore, any such payment would not be rejected. I called Mechanics Bank on Monday, XX/XX/XXXX, to inquire as to why there was a late fee, and informed that they had called, and emailed me to inform me that my payment had been reversed. The last email I received from Mechanics Bank was on XX/XX/XXXX, confirming that I made a payment. I have no further communications, and never received a phone call. I called again on XX/XX/XXXX, and was told that I would have to pay the late fee, regardless of who is at fault. When I asked which bank account the bill was charged to, I was told they " did not have the resources in front of them '', and would have to " request it ''.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The company cancelled credit protection on my account and I notified them of an unemployment claim submitted supporting documents and they fail to process my claim. Under the terms of the agreement I am still entitled to those benefits eventhoigh they no longer offer it as long as the incident took place while I was enrolled. I notified them of an unemployment XX/XX/XXXX for loss job XX/XX/XXXX. They purposely did n't process the claim die to the fact they no longer offer the benefit. I feel this is false advertising and fraudulent. They claim they have no record of me contacting them. I feel this is a scam to not be forced to pay on my unemployment claim.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I receive collection notice from LVNV FUNDING LLC in which i have never done business the original creditors is listed has XXXX XXXX XXXX   which i have never done business has well i receive a letter from lvnv funding llc with copy of bill from XXXX XXXX XXXX which does not validated a copy of bill does not substantiate debt
Consumer complaint received 2023-01-04
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (CA)

This is my XXXX 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX CXXXX XXXX XXXX XXXX XXXXE FL XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (WV)

I have been getting phone calls for a year, sometimes daily, from a company called First Recovery. When I answer there is a recording stating who they are calling for, which is n't me. It tells you to hang up if you are not the person they are trying to reach, however if you do this they will just continue to call. I have waited on the line to tell them I am not the person they are trying to reach and to please remove me from their list. Sometimes they seem to take me seriously and sometimes they just hangup, either way they continue to call. Last week I stopped answering and they have called me every weekday for the last 7 days. The phone call usually comes from XXXX.
Consumer complaint received 2022-11-14
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-11-14
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. (CA)

This is my 3rd 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CREDIT/XXXX  F XX/XX/XXXX ; XXXX MOTORS XX/XX/XXXX ; XXXX CREDIT/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO XX/XX/XXXX ; XXXX  XXXX AUTO FIN XX/XX/XXXX ; NXXXX  CAR XXXX  XX/XX/XXXX ; XXXX  FL XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-03-28
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. (TX)

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 15USC 1681. 

Account names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report conmtaining 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. 

5 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. 

These inaccuracies are preventing me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for. This has in result hindered my ability to provide for my family.
Consumer complaint received 2022-11-14
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX
Consumer complaint received 2023-05-17
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. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their XXXX.
Consumer complaint received 2021-06-18
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: CITIBANK, N.A. (MS)

I look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you
Consumer complaint received 2023-01-04
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. (VA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management (NH)

Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-13
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. (IL)

In accordance with the fair credit reporting and XXXX account XXXX XXXX {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2023-01-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2023-05-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (VA)

This is the second time an unauthorized account was opened under my social security card with this company. I was sent an affidavit which I've filled out and sent back but the account still has not been removed from their system. I've attached the identity theft report as well as the affidavit that was sent to me by the company.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have submitted a prior complaint regarding Comenity Bank. I mailed my bill on the XXXX of XXXX. The check cleared XX/XX/XXXX. My new statement reflects no payment received and a late fee. However aforementioned the check was processed and now I owe a late fee. Ironically, in speaking with the customer service from my first submission, she admitted that her company was trying to figure out how to process payments faster. In the meantime, customers are charged late fees for their inability to process payments in a fair and timely manner.
Consumer complaint received 2022-11-14
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. (GA)

This is XXXX XXXX submitting this CFPB complaint requesting once again to the Credit reporting Agencies to remove the disputed Fraudulent accounts being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Here is the list of accounts that should be removed from my Credit File ; XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX & XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$50000.00}. Also, the Credit Bureaus have failed to send me copies of proof of verification as a result of their investigation, and yet they still continued reporting the disputed accounts on my Credit File! This action of the Credit Bureaus have violated a consumer rights under the FCRA and therefor the accounts should be removed immediately.
Consumer complaint received 2021-06-17
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. (NC)

On the XXXX of XXXX I sent in my dispute letters to the bureaus because I have false information reporting on my credit report and I want that misleading information off immediately. I waited 30 days like I have been advised to and I have heard no response from the bureaus. I feel like I am not being taken serious and taken advantage of because I am a consumer. Section 611 ( a ) Cleary says that a failure to investigate these items within 30 days gives a reason to delete those items off of my credit report. I am demanding that you remove these items off my credit report or litigation will be filed due to the stress you have caused me. My information was also affected in the Equifax Data breach and may have gotten into the wrong hands.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (IN)

I submitted a complaint against XXXX in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.