davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. (MD)

XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX  loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
Consumer complaint received 2023-01-08
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. (NJ)

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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number XXXX XXXX 3.Validate Account XXXX Account Number:XXXX XXXX Account NumberXXXX Validate Account XXXX  Account NumberXXXX 6. Validate Account XXXX XXXX Account Number:XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account 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 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC (NY)

I needed to apply for a credit card for my new job. I went to check my credit score to find a card that would work with my score. I saw two addresses that were not mine, and then I saw three collections that were not mine as well. I called the collection agencies, and they told me to get an FTC ID Theft Report. While trying to do that, I was directed to this site. There are three collections : the utility-water bill, the utility-energy bill, and the XXXXXXXX cable bill. I called the collection companies on Saturday, XX/XX/2024, and left voice messages ; no one answered. I reached out to them again on Wednesday, XX/XX/2024, and they told me to file an FTC report, which brought me here. XXXX XXXX : {$1100.00} and {$520.00} XXXX  XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$1800.00} FOREST RECOVERY SERVIC Original creditor : XXXX XXXX XXXX - XXXX Balance details 0 % paid off Balance {$1900.00} Balance updated XXXX XXXX, 2024 Original balance {$1900.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$1900.00} past due as of XXXX 2024. 
Status updated XX/XX/2024 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Name FOREST RECOVERY SERVIC Address XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (AL)

XXXX mailed XX/XX/2023 requesting copies of any documentation bearing my signature authorizing the below inquiries along with contract bearing my signature showing that I gave them permission to furnish any information on my creditor report. 

AMERICREDI XX/XX/2023 XXXX AMERICANCR XX/XX/2023 XXXX the company NEVER RESPONDED.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (RI)

Dear XXXX XXXX - Managing Director - Radius Global Solutions LLC ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

THIS WAS FRAUDULENT REPORTING ON XXXX XXXX XXXX XXXX AND IT WAS DELETED NOW ON THIS COMPANY? THIS IS FRAUDULENT!
Consumer complaint received 2017-09-17
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: AMERICAN EXPRESS COMPANY (NY)

We were working with a doctor in XXXX who told us he was going to help us iwth our son who suffers from XXXX. He claimed to be able to help with XXXX and XXXX  issues as well as improving communication skills ( our son is non-verbal ) His " treatments '' did absolutely nothing except cost us close to XXXX $ We attempted to dispute the charges with American Express however they states that the Dr. had provided adequate documentation to uphold the charges. 

While our dispute was ongoing, the Dr. was accused, convicted, and plead guilty to tax evasion charges ( charges which included providing false information to the IRS ) https : //www.justice.gov/usao-sdny/pr/westchester-neurologist-pleads-guilty-manhattan-federal-court-tax-fraud-violation We argued with XXXX that his conviction on tax fraud and willingness to defraud the govt and provide them false documentation should be taken into account when considering our claim. An individual who had no qualms about lying to the govt would surely have no issues with lying to his credit card company. 

In the end, XXXX ruled in favor of the doctor. We had to take out a personal loan to cover the XXXX $ bill.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

Never received {$700.00} bonus. I have called Citi bank over XXXX times to solve this issue. I have mailed Citi bank XXXX  times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. I have attempted to resolve this issue for XXXXmonths and no one has reached a solution on this matter. I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account. 

I have spent countless hours on the phone and submitting document via mail. No solution has been reached.
Consumer complaint received 2023-02-14
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. (NY)

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. 

XXXX : XXXX, XXXX Bank : XXXX, XXXX Bank 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 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (OH)

Our vehicle was repossessed on Wednesday XX/XX/XXXX. Initially we were told to pay {$1800.00} to get the vehicle released. Talked to someone else who said XXXX. Talked to someone else who said {$1200.00} after talking to a supervisor. We made a payment of {$630.00} and a payment of {$600.00} all in the same day. Thursday XX/XX/XXXX we called in the morning to see if our vehicle was approved to be released and they said to call back at XXXX for confirmation. We called back at XXXX and they said the XXXX made a note in the account to pay another {$1000.00}. Come Friday XX/XX/XXXX we did not pay the {$1000.00} but the company said our vehicle was aporoved for release and we had XXXX business days to get our vehicle. We made an appointment with the company to get it released. Monday XX/XX/XXXX the repo company stated they have not recieved a release letter. We call XXXX XXXX to tell them and upon that they stated we needed to pay another {$75.00} to get the vehicle released and also our vehicle was moved to auto auction. After speaking to someone else with XXXX they then stated we actually needed to pay another {$370.00} in repo fees to get the vehicle approved for release but they cant send us any confirmation that if we pay the {$370.00} that our vehicle will be released to us.
Consumer complaint received 2023-05-24
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: Bread Financial Holdings, Inc. (NE)

On XX/XX/XXXX I locked my Commenity XXXX Visa Credit Card. On the lock setting for the card they asked if whether I would allow recurring charges to be taken out of my account. I selected " No '' on this with the clear understanding this would stop as they stated on their site any monthly subscriptions or bills. 4 recurring charges were then taken out of my account still. I called them and they said that there was nothing they could do but put in a dispute for fraud but the issue would be their site fraudulently told me that recurring charges would be blocked on subscription services. So now I am in the hands of their internal fraud team investigating fraud they themselves did.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$9900.00}
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (NJ)

FOIA of 1974 15 USC 6802 Equifax XXXX and XXXX XXXX are in violation of my rights by allowing my personal information to be used without my consent as the consumer
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Neon Newco Corporation (CA)

Net spend bank PayPal prepaid closed my account s for I dont know what reason and I had a large amount of money I. My account ya and it has been go one to me via check upon the closure of my account however now when Im trying trash the check they do not authorize its anywhere and this is my money I have the right to it regardless the amount
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bakkt Opco Holdings, LLC (NJ)

I have requested for the transfer of my funds numerous times over the span of 3 months. Only for each time the transfer never to be completed or canceled by BAKKT. Who according to the agreement is responsible for consumer funds within the platform XXXX. Now they are ignoring my emails and refusing to transfer me MY money. It is evident this is a scam! The question if will CFPB DO ANYTHING to ensure my money is transferred to me
Consumer complaint received 2022-11-26
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)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2023-02-07
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. (AZ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts 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 XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX CO XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-31
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (MT)

Today, XX/XX/23, I was shopping for a car at XXXX XXXX XXXX XXXX MT. As we were looking at cars they collected some information and I would have purchased a car if they would have given me a fair price on my trade in. Regardless, I did not buy a car and I did not give them permission to run my credit. When I got home I was alerted by Experian that they ran my credit. 
I do not think that this should be legal which is why I am contacting you. I tried to contact them and see why they did this but they would not answer the phone. 

Auto Inquiry XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Financial Today XXXX XXXX XXXX XXXX XXXX made an Auto Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MT XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Received a fraudulent collection notice in the amount of {$180.00} from TRANSWORLD SYSTEMS INC.  on behalf of XXXX XXXX XXXX XXXX. Received on XXXX XX/XX/XXXX, dated XXXX XX/XX/XXXX. This is not a debt I personally incurred and I have no record ( s ) of transactions with any XXXX entity or its possible subsidiaries totaling this or any amount. 

The report will also be accompanied by the filing of a police report in local jurisdiction.
Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Larry H. Miller Group of Companies (AZ)

I had originally requested an investigation of XXXX XXXX in regards to their illegal vehicle repossession. Now moving forward and struggling to recover from their deceptive tactics, I had requested for Larry H Miller XXXX XXXX to send the original signing of the credit pull they had done before signing any agreement with them. In doing this I noticed that they had doubled my income on the statement. This I was unaware of at time of signing. I was making roughly XXXX biweekly at the time, I noticed they had filled in XXXX biweekly. This allowed them to grant me the unfair loan they had issued.