davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

My name, address, phone number and social security number are being used to apply for a XXXX XXXX XXXX XXXX. The application was denied. The email attached to this application is XXXX. That is not my email. The application was opened on XX/XX/2022. I was finally able to track down a person at XXXX XXXX who had a copy of the application. He told me about the above email. The application number is XXXX. 

In XXXX of this year someone opened a XXXX XXXX XXXXXXXX XXXX  from XXXX  XXXX XXXX and charged {$1200.00} and never paid it. This is how I found out that someone was using my personal information. XXXX has closed that account finally. 

Because of these XXXX incidents, I have frozen my credit reports.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602A. 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 instrutions 15U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open end consum, er credit plan as late for any purpose.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit & Collection Recovery Services, Inc. (AL)

I have a bill which is from the company with all the products information and account number someone I know got a bill as well with the exact information and account number. So please make this make sense before I lawyer up. This is not a error.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at XXXX. I was notified via email and immediately called XXXX and submitted a dispute on Equifax. XXXX saw no account opened, but assured me that they would send communication to Equifax, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with Equifax.
Consumer complaint received 2024-03-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states I have the right to privacy, 15 USC 1681, section 604a, section 2, also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.
Consumer complaint received 2023-06-09
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: U.S. BANCORP (FL)

Credit account opened rsulating in late payments reported to my credit that I have no knowledge of This is affecting me as I just finished fixing my credit I need this account closed and removed from my credit report asap. Please and thank you.
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 — Investigation took more than 30 days
Company: STATEWIDE AUTO SALES (CA)

Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX attempted to send money thru PayPal to friend that I knew XXXX XXXX for hospital costs for her mother. I had never used PayPal ever in my life. Over the three day period I had sent {$3100.00} thru PayPal in an attempt to pay for the hospital costs. 
Well XXXX XXXX never received the funds that I sent and the funds were NEVER returned to me. I had made numerous calls to PayPal for weeks and was never given a reason that the money was not sent to XXXX XXXX or returned to me. I have documents from PayPal showing each transaction that I had sent to PayPal the amount and the date and a description of the type of transaction made. After some time I had basically had given up which was a fault of mine. But PayPal never gave me an explanation to why they kept my money?
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-10-11
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had an account wit h Bank of American  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), this  account should be removed from my credit report. It has been re-aged by the Bank of America to reflect a different date of default. The account has been aged mo re than seven years fro m the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with   XXXX   XXXX   XXXX    whom  has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first delinquency reported  (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
Consumer complaint received 2023-03-23
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I purchased a used XXXX XXXX XXXX in XX/XX/2022 and 10 months later the motor locked up I tried on several occasions to get them to fix it they gave the run around about so I did a voluntary repossession cause I couldnt afford to get it fixed and pay a car note I called credit acceptance they didnt listen to me at all and they saying I have to pay the remaining balance on it
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

At the same time I was receiving numerous strange credit confirmation emails and phone calls, XXXX notified me that my credit score, obtained from Equifax, suddenly dropped from XXXX to XXXX on XXXX XXXX. I immediately went to XXXX to get a free copy of my Equifax credit report, but the several questions it asked online to verify my identity often didn't apply or applied to periods so far back I could not recall answers with certainty. It asked for a mobile phone number and tried to send me a text. Problem : I don't text and the only phone I use is a lined telephone, which is the phone number I entered! I became especially concerned because XXXX Equifax online questions inquired about an auto lease. I NEVER had an auto lease in my life! I called Equifax and went through a long automated system before I finally got to an agent who started to ask me personal questions to verify my identity -- only to turn me over to another automated system that had me evaluate the agent. 

Thus, my problem was never resolved and I fear somebody might have stolen my identity!!!!!!!!!!!!!!!! 

If my identity hasn't been stolen, the only credit changes I made in the last year are XXXX ) I forgot I had an alert on my credit file due to prior breaches and tried to open a XXXXXXXX XXXX credit card in XXXX to take advantage of a discount on a single item -- only to receive an adverse action letter due to my credit alert. I still received the discount. XXXX ) My husband and I stopped using our XXXX credit card when it changed banks. XXXX ) I opened a XXXX credit card account -- for the sole purpose of taking advantage of a 30 % or so discount on a single purchase around XXXX. I never even activated that account! 

Certainly those changes don't seem to merit a near XXXX drop in a credit score!!!!
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Consumer complaint received 2022-12-05
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: TD BANK US HOLDING COMPANY (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5900.00}. 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, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; 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 report included this language but XXXX 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 ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (TX)

My information was used to obtain a loan from NetCredit without my knowledge. The money was deposited to an account in the name of XXXX XXXX. I spoke and it was agreed that I was not responsible for the loan and it showed a XXXX balance on my credit report. They didn't totally remove it because I didn't want to press charges because I didn't want to ruin the man 's future. The loan was recently sold to XXXX I informed XXXX of the circumstance and they said they didn't care. How can possibly owe a 3rd party for a debt that was forgiven by the original creditors with no signed application and I never received the funds?
Consumer complaint received 2023-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I am presently XXXX within the XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On the date of this alleged debt, I was in XXXX, as I had been released on XXXX I was no where near the location of the alleged debt, as I was not in XXXX at the time.
Consumer complaint received 2022-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit reporting act XXXX  account numbers ( XXXX XXXX XXXX XXXX Support ) ( XXXX ) ( XXXX-Capital One ) ( 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 2023-09-29
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2020-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

Navient you currently sent me a threatening letter stating your going to sue me if I closed the account in my name. My answer is Identity theft. The procedure to filing identity theft is to notify the company of identifying theft and have the account closed. This is my notice to Navient close the account and send me the Identity theft package.
Consumer complaint received 2022-10-24
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. (MI)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America transfered a charged off account to a collection agency in XX/XX/XXXX. The transfer to the collection agency was NEVER reported to any of the XXXX credit bureaus. Bank of America refuses to report accurate account history. I never consented to have my SSN, date of birth, address, name or account information shared to any company nor was I notified my account had been transfered to collections until I received letters from several collection agencies. 

XXXX disputes were submitted requesting accurate account history be reported and the transfer to collection be reported. As a consumer I have a right to have accurate account history reported. All my disputes are closed citing BOA is reporting accurately but nothing to substantiate a through investigation was completed to close my dispute. 

Providing letters from all the collection agencies my account was sent to, as well as a letter from Bank of America admitting my account was charged off and not accurately reported was never considered. 

I confirmed the issue as " unresolved '' as feedback to my last CFPB complaint which was also ignored. I contacted bank of america by phone and visited the branch. I contacted the collection agencies that sent letters and statements stating my balance was transferred. A security freeze was added to my consumer file. XX/XX/XXXX after I receive a letter from the same company claiming to be the new servicer of my account. Several collection agencies are contacting me about an account that was charged off in XXXX after I had to claim the balance as income on my XXXX. BOA writes of the balance sends me a XXXX then forces me to continue making payments without reporting the account went to collections. Collection agencies must STOP contacting me and STOP submitting credit inquiries for my credit to intentionally harm/damage my credit score.

I provide proof, the inaccurate information is never removed or updated. All attempts to correct Bank of America 's mistakes have been unsuccessful. I have wasted time, money and other resources to get this matter resolved. Companies committing fraud should be held accountable. Hold BOA accountable
Consumer complaint received 2024-03-12
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.