davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (FL)

Loan Depot experience a cyber attack in XXXX. No payments on loans were possible or a status checking was possible on their website. I called to make the payment on XXXX mortgages. They made the payment on XXXX of the XXXX and failed to make the payment on the third was XXXX XXXX that XXXX more days to contact me if there was any issue with the payment, instead they didnt contact me and I only found out when my credit report was damaged and I was unable to purchase goods. They are refusing to the report even though they know that I called and made the payments.
Consumer complaint received 2022-12-10
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. (SC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NV)

I received notification via my XXXX  account that a new collection item was being reported by Vance & Huffman LLC, the original creditor is being reported as XXXX XXXX XXXX XXXX, I spoke to XXXX a representative at Vance & Huffman LLC and was told that the account was originally opened in XXXX, and was sold to experiential credit collection agency in XXXX, and the account was purchased by Vance & Huffman LLC on XXXX of XXXX as a new account, I did not open up this account nor did I apply for the build card. 

Vance & Huffman LLC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-12-10
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. (IL)

The following accounts have violated my rights. 
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 15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

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.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (NV)

There has been a mistake in billing in which XXXX has already resolved for me and cleared off my balance owed in my account, XXXX also notified Aargon that I have {$0.00} balance in my account but after 3 weeks Aargon still told me that I owed them money, they are trying to scam and harassing the consumer for money they don't owe.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/2023 and XXXX XX/XX/2023. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-12-10
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX Balance {$870.00} DEPT OF ED XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onFeb XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-10
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Loan South Finance & Tax Service of Troy, LLC (GA)

XX/XX/2023 requested in writing loan agreement to be email to me so I can send to my mortgage company to pay loan off. Service Loan will not send agreement and this is a time sensitive matter.
Consumer complaint received 2023-02-06
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: ALLY FINANCIAL INC. (NC)

I recently checked my credit report and saw that on XX/XX/2022 there was an inquiry on my report from ALLY FINANCIAL. I did not authorize this. That has caused my credit score to decrease and now I'm very concerned that my identity has been stolen.
Consumer complaint received 2022-11-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC (NC)

My complaint is against RADIUS GLOBAL SOLUTIONS LLCXXXX Today I pulled a copy of my credit reports, and upon doing so I discovered that RADIUS GLOBAL SOLUTIONS LLCXXXX  is reporting a {$55.00} collection account to XXXX XXXX XXXX, and XXXX while also reporting inconsistent across the credit bureaus. RADIUS GLOBAL SOLUTIONS LLCXXXXs also incorrectly reporting that they are attorneys on my XXXX report. Impersonating Law Officials is a direct violation of federal law. They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. I am demanding that RADIUS GLOBAL SOLUTIONS LLCXXXXXXXXdelete the collection account they are reporting under my social security number immediately.

Failure to delete this frivolous account from my credit reports will result in me seeking {$1000.00} per violation of the FCRA and the FDCPA.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

The current issue is causing me significant XXXX  and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (DE)

Today I received my bank statement from Chase for my new XXXX XXXX, I noticed a interest charge, which I could not understand why I was getting charged when I thought my card was 0 % interest for 6 months. I called Chase and was told that the 0 % interest is only for individuals that signup for a XXXX vacation package. I advised the representative that I mislead to apply for this credit, I only purchased tickets for the theme park, I did not buy a vacation package, I do not understand why this option was available to me at checkout when I did not meet the qualifications of the credit card promotion. I thought I had 6 months to pay the credit card off at 0 % interest rate, now I have to pay it right away as the interest rate is outrageous. I also have a new credit inquiry when I would've never applied for this card if those were the qualifications.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ". Under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am contacting you to request the prompt removal and deletion of the accounts and information mentioned below from my consumer report. It is essential that these accounts and information not be reported, as their presence violates both the FDCPA and FCRA regulations. I kindly urge you to take immediate action in deleting and removing these accounts and information from my consumer report to ensure compliance with the applicable laws. Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2022, at some point in the afternoon, I logged into the Amex mobile application, added a new bank account, and made a payment for {$150.00} from this new bank account. The application thanked me but did not send a payment confirmation email. I have never received payment confirmation emails from American Express. 

On XX/XX/2022, at XXXX XXXX, I received an email from Amex thanking me for my XXXX XXXX for {$150.00} on XX/XX/2022. Later on XXXX, I checked my bank accounts as I had just gotten paid. I confirmed the XXXX payment went through from yesterday to Amex and then checked my primary bill bank account. Another payment for {$150.00} was showing as processing to American Express from a bank account I did not authorize. I checked the Amex mobile application and it showed XXXX payments- XXXX posted and XXXX processing. 

I called Amex and they were unable to stop the processing payment and were only able to log a complaint and instructed me to contact my bank. Amex also claimed that as the payment says " XXXX '' that I arranged for the payment myself. I did not. American Express has also routinely harassed me for money greater than my minimum payment due with threatening chats and several emails instructing me to pay XXXX greater than my minimum payment due listed on my statement. 

Not only have they violated the XXXX but under XXXX their account system falls under bait and switch. You can not claim a customer can use " pay over time '' and then hold an account for ransom for more money when a customer makes their minimum payment due, or more than their minimum payment due. That is a deceptive practice.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-09
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. (NY)

XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : XXXX From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections XXXX Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

I trust this message finds you well. My name is XXXX XXXX, and I have been a Chase customer since XXXX. I hold both a personal and business account under the name XXXX XXXX XXXX. 

To my surprise and concern, on XX/XX/XXXX, I discovered that my business account with Chase had been closed abruptly, and unfortunately, I received no prior notification or explanation for this action. 

Throughout the duration of my account, I have maintained a commendable financial record. There are no outstanding debts, and payments have consistently been made on time. However, I acknowledge that my business activity experienced a decline in the past months, primarily due to a challenging XXXX that required me to take some time off to rest. 

I am reaching out to request clarification on the reasons behind the sudden closure of my business account. It is imperative for me to understand the circumstances leading to this decision and to explore any potential steps for account recovery. 

Furthermore, I am concerned about the funds that were held in the closed account. As of XX/XX/XXXX, I have not received any communication or a check regarding the remaining balance. I kindly seek your assistance in providing information on the status of these funds and the steps necessary to facilitate their transfer. 

Your prompt attention to this matter is greatly appreciated. I would be grateful for any assistance you can provide in resolving this issue and ensuring a smooth transition of my account affairs. 

Thank you for your time and consideration. 

Sincerely,