davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC (UT)

I was first called on XXXX. They called from XXXX and left a message asking me to return a call to XXXX. They left a threatening message on my voice mail stating that the " processor will require 2 forms of ID and will serve me at my place of employment and will present to my supervisor if I am not present. '' They contacted me on my cell phone, my home phone and I 'm fairly certain they called my neighbor and left a message ( she is also a relative ). 

I called them back today, XX/XX/XXXX, after repeated calls. They answered as " XXXX ''. I asked them for their name and address and was given " XXXX XXXX XXXX '' although previously they said they were XXXX XXXX. The address they gave me was just a street address of XXXX XXXX XXXX. I asked if they had already sent a validation letter to the debtor and they stated yes. This is false - nothing has been received. 

I then asked them to provide the name and address of the debtor and they proceeded to ask if I was " XXXX XXXX ''. I stated I would not provide any info about myself without verifying who they were. 

I then asked for the last 4 of the social security of the debtor they were trying to reach. They gave it to me which was the final red flag that they were a scammer as a legitimate collector would not answer this. Incidentally they did have the last four of my social. I told them that I knew they were a scammer and hung up. 

I have no outstanding debts that are not current and any " payday loans '' I had were discharged in a bankruptcy.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SECURITY FINANCE CORP (GA)

Security finance credit breach payment XXXX liable retrocession payment XXXX [ XXXX [ XXXX [ notarized XXXX total XXXX IRS took XXXX for student loan never had total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total XXXX IRS notarized 5 IRS XXXX total paid XXXX and credit breach XXXX total XXXX trust stage life XXXX total XXXX entire balance paid in full credit breach tax fraud by family XXXX  total XXXXXXXX XXXX decrease my SSI sent fake checks XXXX i disputed everything file complaints and or results please help thank you
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card that was owned by another bank for many years. Comenity Bank purchased the XXXX card accounts and became the servicer for my card. Although I received several mailings from Comenity regarding the transfer of card servicing, I simply dismissed those letters as just advertising mail. I typically get 3-4 offers in the mail each and every day to enroll in a new credit card. I mistakenly thought the Comenity mailings were just another advertisement, I didn't even open the envelopes. After several months, Comenity finally called me and explained the change and that my payments were now overdue, which previously had been on Auto Pay for this card. My agreement with the previous card owner was set up as " Auto Pay, '' so I never had to worry about missing a payment. Comenity explained that the Auto Pay arrangement didn't transfer when Comenity Bank became the owner of my AAA card account. After I was notified of the situation, Comenity canceled the new card I was sent and re-issued another card, so it was impossible to access my account online to make a payment because of the different card number. Comenity said they also could not set up Auto Pay because my previous months payments were late. The problems just kept compounding! Once I understood the entirety of the situation, I paid the account in full. However, Comenity reported my delinquent payments to the credit reporting bureaus. I am simply asking because of the confusion surrounding the transfer of the bank serving the card account to Comenity, the lack of transfer of Auto Pay, and the re-issue of the card number, that the delinquent payments be removed from my credit report. As another example, I recently received a letter from Comenity, dated XXXX XXXX, that Comenity had sent me " the wrong terms and conditions by accident. '' This just illustrates the confusion inherent in the transfer of ownership of the card to Comenity, and that I am being unfairly penalized by Comenity submitting delinquent payment reports to the credit bureaus.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report and I did not receive proper notification. If this company in fact believes that I received proper notification please provide the certified mail with a receipt bearing my signature on there stating that I received it at least XXXX  days before it appeared on my consumer reports.
Consumer complaint received 2023-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I made a payment last month to AidVantage3 which took my account balance from over {$100000.00} USD to under XXXX. My account now says my balance is {$100000.00}. This is not accurate and implies that fees or interest has been added without my knowledge
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-16
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. (TN)

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX Account # XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-28
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. (AL)

After reviewing credit report found this incorrect accounts, I also tried reaching out to credit bureau and companies for resolution without any help or changes. The following accounts are incorrect XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquires XXXX XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2023-05-25
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: Mitsubishi Motors North America, Inc. (NY)

XX/XX/XXXX I came in and got a new car after some deliberation and sales tactics. They ended up coming up with a plan to get me into the XXXX Mitsubishi XXXX XXXX XXXX XXXX XXXX, however once I left with the car ... that's when all support and action ended. Now my calls, texts and emails are ignored after clearly stating I wanted updates on the actions taken/pending concerning this issue. 

The salesman XXXX, and the two Finance Managers XXXX XXXX XXXX worked through my paperwork on the XXXX when I left around XXXX after getting in around XXXX... However a few days later I was sent an inquiry as to my satisfaction. To that date, my biggest dissatisfaction is the false advertisement pictured here showing that my brand new XXXX special edition SUV had Mitsubishi XXXX, and upon trying to activate and calling Mitsubishi XXXX... it doesn't have it. New XXXX special edition doesn't have the same features my spouse has on her XXXX XXXX  ... OK. False advertisement and misleading signage meant to infer I had a product I did not when purchasing a long term commitment new vehicle .... now on to the worst part of this. 

After sending the initial email and two more, combined with contacting their QA via text message several times, the branch manager finally contacted me and explained that while I did sign and purchase the vehicle on XX/XX/XXXX ... someone on their end did not do their job and as a result are causing me to suffer statutory and actual damages. 

Not only did they do hard inquiries against my credit several times on the XXXX XXXX XXXX, they then tried to get me to come up XX/XX/XXXX after FINALLY noticing that nothing was done on their part. One of their 'managers ' drove up that day to have me resign paperwork dated for XX/XX/XXXX on XX/XX/XXXX, in an attempt to be disingenuous. I had been trying to reach them for 2-3 weeks with no answer or response other than 'i will look into it ' from their emails, automated attendants, etc.. 

Now I have had two more hard inquiries to my credit outside of the 30 day period, my previous loan is now late and will damage my credit, and I still don't have a title from the XXXX ( expires XXXX and will likely incur tickets ) or the XXXX cashback refund they said I'd have within 2-3 weeks. 

This is the third vehicle I've purchased through XXXX XXXX 's family of dealerships, and with the way this interaction has gone ... it'll be the last and I'll warn every person I ever speak with to stay far away from this company.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (MT)

I have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX XXXX XXXX with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a XXXX Report. XXXX XXXX XXXX, XXXX XXXX XXXX. My first concern is that I have XXXX XXXX on all the credit reporting agencies including Experian and XXXX. How was this information sent to XXXX from Experian with the security freeze in place? I will attach page XXXX of XXXX showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my XXXX - Experian - XXXX XXXX XXXX XXXX information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX XXXX contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( XXXX through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX XXXX you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR XXXX ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.
Consumer complaint received 2023-06-09
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. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-27
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 my 11th 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-22
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2022-11-02
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. (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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-09
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. (FL)

This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect my credit report.
Consumer complaint received 2024-03-22
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. (FL)

After examining my Consumer Reports, I discovered four instances of late payments on an account where I have always been punctual. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I've consistently made timely payments for my XXXX XXXX account, starting with XXXX XXXX. I urge you to investigate this matter and furnish proof, such as statements, demonstrating the alleged late payments. If such proof can not be provided, I request that these payments be corrected to reflect their accurate, on-time status, as I have never missed a payment. Thank you.