davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (FL)

15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a freeman, which implies that her non-trivial and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that purpose. ''
Consumer complaint received 2020-07-30
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. (NY)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.
Consumer complaint received 2023-12-08
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: PRESTIGE FINANCIAL SERVICES INC (CA)

Subject : Deletion of Unauthorized Credit Inquiry & Retraction. 

XXXX XXXX I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. 

I also demand retraction of any application or security in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Consumer complaint received 2022-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CT)

On XX/XX/2021, Discover Financial Services asked to provide a proof of identification on my credit card account and I uploaded a form signed by an notarized bank officer but still they closed my account without any further notification or warning and I'm trying to get the reason for that from past year. I even mailed them but they are not giving me the clear explanation. I then further sent them a mail aswell however the reply was a computrized one stating the account has been closed and no reason was provided again. Because of that my credit score got hit by XXXX points. It is creating problems for me as I'm an international personnel and with this initial issue my history is being impacted which will create hindrances for me in long term.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX responded saying the XXXX 's XXXX them this was an fraudulent account. They never contacted me to verify anything, but continued to take my payments until the account was paid off and sent me the title for the car. if they believe this to be a fraudulent account why not close the account but still took payments and sent me the title to the the account. XXXX has also financed me for a new loan with the same information for the previous loan that they are refusing to report. This has caused me to be denied credit and or have to pay a higher down payment with a higher interest rate. I am aking you to step in and have them report this correctly.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MI)

I noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : USBANK XXXX On XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Consumer complaint received 2023-09-04
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. (VA)

I have asked repeatedly that a closed and paid off account be removed from my credit file because it exceeds the statue of limitations for reporting. Instead that update the reporting from the date I ask for it to be removed. The account is over XXXX XXXX XXXX at this point.
Consumer complaint received 2022-10-26
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

Dear Madam/ Sir, CFPB : This is in regards of an Unknown debt collector that is in my credit reports files. And it is not mine and does not belongs to me. This unknown debt collector has damaged my credit and is reporting false information on my credit report. This is a fraudulent activity and they are stilling from a third party Bank. As Stated on my XXXX credit report agency. And this unknown and false collector is committing an act of FRAUD. They keep calling me every other day and living voice telephone messages on my telephone, harassing me and threatening me. I request this debt collector to take out this debt that is not mine and does not belongs to my self from my 3 credit report agencies.
Consumer complaint received 2023-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I received a car loan from Fifth Third Bank back in XXXX. I paid off the loan completely by XXXX. The bank never released the title. I called them and asked them to release the title, they told me they would, but never did. XXXX hit and I forgot about this issue. 
Forward to now, I'm trying to either get different insurance or sell my car ( depending on the insurance ), but I realize I need the title. I put in a request in the California XXXX for my title, only to be informed that the bank never removed the lean like they were supposed to. I was told that I needed to pay money fill out some forms and get a letter from the bank that the lean has to be removed. I called the bank on XX/XX/XXXX and requested the document. They told me they could fax it to me in XXXX business days. I waited until the XXXX with no fax and called them again. 
This time, they told me they don't know what happened, and that I would need to request it again. I argued that it had already taken more than a week and I couldn't keep waiting, but they gave me no option. They opened up a case number and told me they would call back in 3 days. Today, XX/XX/XXXX was the XXXX day with no call so I called them. They informed me that they are not allowed to fax this letter, that I've should have been told, but now they have to mail it. They will not expedite it and I will need to wait XXXX business day so they can ( hopefully ) mail it out. 
At this point, I don't believe the bank has any of the paperwork. They will not release the lean or provide me with the documents even though the loan was paid off. I need help with actually getting them to release my car and my title.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my 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 XX/XX/2021
Consumer complaint received 2023-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Dear XXXX ; XXXX ; XXXX ; BANK OF AMERICA ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (IA)

While checking my credit report XX/XX/2022 I noticed a new XXXX. G C Services opened an collections account on XX/XX/2022. They listed it with the credit reporting agencies. As of XX/XX/2022 I have not received any communication from with company. I have not received any thing in the mail or by a phone call. 

On XX/XX/2022 at XXXX I contacted the G C Services via a phone call and spoke with a guy named XXXX XXXX He told me " we were hired by XXXX XXXX to collect money. '' He gave a phone number to contact XXXX XXXX 

XX/XX/2022 at XXXX XXXX I contacted XXXX XXXXk who told me " the account is closed and that the bill is not in my name. That I was on the account as a user. That they don't have my social security number to collect money. '' XX/XX/2022 at XXXX I called G C Services and spoke with a female who " Sir I can't talk to you about this account, The account is not in your name ''.
Consumer complaint received 2021-01-03
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. (NJ)

This is not fair. Everyone else gets their 1 shot to have student loan late marks removed but I am being reported late 90 days 28 times. I paid the money I owed and my negative marks are still there. I was just denied for a car loan which I need very badly. These late marks are destroying my life. It was only {$3000.00} and people with 10x that amount are able to rehabilitate it. I was told I have 1 time to rehabilitate my students loans but they insist on reporting every single one.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

I received an ATM/Debit card in the mail on XX/XX/21 from Chase bank for my new checking account. The problem is I don't have an account with Chase or have I ever. After talking with many people at Chase they wanted me to set up a pin number for the fraudulent account or they could not close it.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, I placed a order with XXXX and used my debit Chase Card to pay for the transaction in full.

The amount was {$300.00} bucks.

I checked my debit card and saw the funds had been debited from my bank account.

Their was a small writing on the Chase transaction solicitation to accept a XXXX pay option of {$75.00} every XXXX weeks for XXXX payments and the first payment would start XXXX XXXX Now after accepting the offer the funds in the amount of {$300.00} would be put back into my account which brought my balance back to {$3800.00} around. 

Today I check by Chase checking account and I saw the XXXX charge for {$300.00} was added back to my account and subtracted from my available balance. 

I contacted Chase and was given the runarounds after verifying with XXXX that they had been paid in full and requested Chase to removed the XXXX pay off of my account and informed them I turned off the automatic withdrawl option since I had already paid XXXX in full for the laptop. 

Chase wanted me to file a claim and I told them this is not a claim issue. This is a valid purchase that I paid in full for with my Chase Bank Account.

Still trying to Scam me when they solicited me and I never initially paid for my transaction in full and had over {$4000.00} in the bank and did not need credit from them at all.

It just appears Chase is trying to continue to destroy my credit and this is deceptive trade practices.
Consumer complaint received 2024-04-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

These accounts were opened without my knowledge. I am a victim of identity theft. Also I had to answer the question " What is the billing address for this credit card? '' this card was opened without my knowledge. I have no idea what the billing address is for the credit card.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

I called to cancel XXXX XXXX  and internet in XXXX of XXXX. I was told to drop off the equipment within 10 days of the billing cycle and dropped off the equipment at a XXXX store as directed and paid my XXXX bill. In XXXX I received another bill for {$220.00} and I called XXXX to correct the bill. I explained to the representative that I had canceled service the previous month and turned in the equipment more then a month ago. At the time I was under the impression that the matter was settled but received a collection letter months later. I disputed the debt and the collection agency sided with me. Now over a year after, I received a letter from a second debt collector and disputed it as well. Now the debt collector sided with XXXX because I no longer can find my receipt from XXXX.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # XXXX
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I fell behind on my mortgage after my payment went from {$1000.00} per month to {$3100.00} per month. It was an adjustable loan modification that expired. I hired an attorney to help me submit an application for a loan modification. That application was submitted on XX/XX/2019 at XXXX. On XX/XX/2019 I received a letter stating the application was incomplete and was missing two bank statements showing receipt of rent or two most recent deposited rental checks. This was a lie by PHH. My attorney confirmed two bank statements showing all rents were submitted with the original application on XX/XX/XXXX. My attorney decided to just resend the same bank statements that were included with the original submission again. My attorney states mortgage servicers will purposely say they are missing items because they want to stall and also increase the possibility I will not comply with their request and then they can foreclose on me stating it was my fault. On XX/XX/2019 I received confirmation my application was complete. Per my attorney RESPA Regulation X requires a servicer to respond to a complete application for loss mitigation within 30 days. The 30 days is coming up on XX/XX/2019. I was expecting PHH to comply with RESPA Regulation X and respond by approving or denying me for assistance. Instead, today I received another letter stating my application is now incomplete asking me for the same items that were already submitted on XX/XX/2019. My attorney says PHH is doing this because they are still trying to get me to give up my house, they have not completed their review in the time period required by RESPA Regulation X and this is their way out of complying with the law.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!