davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : 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 XXXXXXXX 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 that consumer reporting agency can not furnish an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-23
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. (SC)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX 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
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grow Credit Inc (TX)

On Thursday XX/XX/2023 at approximately XXXX, XXXX, and XXXX hours, I attempted to contact Grow Credit in an attempt to pay my account balance in full. All was done to no avail.

Prior to this, I attempted several times to use the Grow Credit application on XXXX device but continued to receive an error message stating that my primary banking debit card could not be added because Grow Credit stated my debit was a credit card when in fact it was not.
Consumer complaint received 2023-01-14
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. (MA)

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX  years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX  ( which administers the XXXX XXXXXXXX XXXX  ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my XXXX XXXX had declined significantly. I checked online and saw that XXXX and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and XXXX, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My XXXX XXXX has gone down by XXXX points for literally no reason!
Consumer complaint received 2023-01-14
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. (NJ)

Disputing XXXXXXXX XXXX XXXX. Did not receive any mail notifying of any account. Tried contacting company by phone only get recording. Not My account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}.
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (NV)

I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (CA)

Complaint : XXXX In XX/XX/2022, I filed a complaint with CFPB. As I previously indicated, I subsequently received credit report from XXXX and XXXX. On XX/XX/XXXX, I submitted feedback indicating I never received a credit report from Experian. CFPB later closed the complaint regardless of the fact that it was never successfully resolved. Is it the policy of CFPB to close complaints regardless of whether they're resolved?
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (WI)

I used to rent office space to XXXX XXXX at my office at XXXX. I keep getting calls for him XXXX from a company called Fortiva. When I tell them XXXX hasn't worked here in over XXXXXXXX XXXX they hang up on me. Their number is XXXX. I have spoken to them and asked them to remove me and explained the situation. It doesn't matter I continue to get calls from them. I do not want to receive calls from Fortiva as they tie up my phone line with nothing relative to me.
Consumer complaint received 2022-11-11
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. (PA)

the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX >Sold ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-15
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. (NJ)

I did a FTC report in XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my TRANSUNION, XXXX AND XXXX Credit reports. In XX/XX/XXXX TRANSUNION AND XXXX added A Fraudulent account with XXXX/ DEPT OF ED FOR THE AMOUNT OF {$71000.00} This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (OH)

I entered into a payment agreement with Navy Federal Credit Union for my charged off credit card. I have asked them for a letter stating I am in an agreement I need this for prof to show my current employer, so I don't lose my job. They said they would have to send it however they refuse to send me the letter they keep saying it will take 7 business days I been waiting for two months. I need this letter emailed sent to me.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I paid my XXXX credit card balance in full using the automated phone system in XX/XX/2019. The payment submitted after XXXX and I accrued a late fee. I called the credit card company asking to have the late fee waived because I paid my balance in full and it was only a matter of a minute that it was submitted late. 

The customer service representative was agreeable and assured me that all charges were reversed. She said I might receive a billing statement with the late fee still on it, but to ignore it because my balance was {$0.00}. 

I have continued to receive more billing statements with a late fee due. I called today to inquire as to why I am still being billed a late fee on a {$0.00} balance. The representative said I had incurred a minimum interest charge due to my late fee. I stated " How can I incur a minimum interest charge on a {$0.00} balance? ". The representative stated " There was a minimum interest charge from my XXXX bill that carried over. '' I again stated " How is that possible to be charged anything on a {$0.00} bill? '' I explained that I had paid my balance in full and the other charges were reversed. The representative stood behind the fees being charged which are now over {$55.00} to date. I thanked the representative for her time and informed her that I would be filing a complaint due to such dishonest credit card practices.
Consumer complaint received 2021-11-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Re : Requesting a Method of Verification Letter I recently received an answer to a dispute which state that the accounts 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, and XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX, XXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Consumer complaint received 2023-01-21
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

The payment was XXXX but they were putting part toward interest and then late fee every month. The actual principal was XXXX and then interest and the late fee. The payment was not late. I called and they just talked around what the other fee was and never would really answer my question. Someone later called me back and tried to say that was not what that meant ( the part about late fee ). I never understood and am still having to pay the same amount, they are not breaking it down to principal and interest XXXX hidden fee.
Consumer complaint received 2023-01-21
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. (MO)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2021-11-19
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. (IL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc. (PA)

The company is XXXX XXXX ( Tek Collect )! This has been on my XXXX credit report since XXXX. I have added it in a bankruptcy twice now! I have repeatedly told the credit bureau to remove this for years. They do not listen. I have again recently noticed it is still on my XXXX report!! It states another update that it will be removed on XXXX. I am ready to file a law suit against them. They just don't STOP! Is there any way you XXXX be able to help with this matter? Before I call my lawyer to have this taken care of Thank you, XXXX XXXX.
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (IL)

XXXX XXXX, and XXXX XXXX, homeowners, with assistance of the XXXX XXXX XXXX XXXX 's XXXX XXXX, is herein filing complaint against PHH Mortgage Services, our first ( Loan # XXXX ), and second ( Loan # XXXX ) home mortgages lender/representative ( s ). Since XXXX 2014 PHH, its employees, agents, representatives, and/or consigns, on its behalf, is negligent in its conduct and is engaged in a practice of serial omissions and repeated failures, to subvert fair and equitable services rendered in response to a hardship affidavit, submitted for relief through the HAMP, Forbearance or HELOC Refinance Programs. We, along with XXXX XXXX, are complaining PHH is engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and PHH is also in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by engaging in deliberate acts of harassment, causing undue emotional distress. 

We claim PHH engaged in unfair practices by failing to appreciate or attempting to foresee injurious or harmful events, when informed by us through repeated formal application ( s ) declaring our financial condition, and took no action to mitigate or prevent injury by their refusal and/or negligence in employment of relief available through HAMP or HELOC Refinance Program ( s ) available. Furthermore, we assert PHH omitted application of an accurate Debt Ratio assessment to derive a realistic Modification Trial Plan to mitigate potential loss, against more equitable modifications available, is a denial of due process. PHH 's actions in production of XXXX separate modification offerings are inconsistent with the express federal guideline principles and practices, to facilitate equitable outcomes, and thereby represent a violation. 

We claim PHH is negligent in their assessment of our ability to comply with the terms of progressively unfavorable Modification Trial Plans offered, on XXXX ( XXXX ) separate occasions, along with intent to engender disparagement and emotional distress by consistently employing despicable tactics of delay and harassment : repeatedly phoning our personal contact numbers, remaining silent and unresponsive despite repeated requests for response, then terminating call ( s ) without answer ; and PHH endlessly requests submission of the same documentation we repeatedly send, claim they were not received, or they do not possess them. Then, upon acknowledging receipt of documentation requested, they ignore the content in creating modification trial plans providing no realistic possibility of relief from inevitable foreclosure by the offers.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/XXXX, I purchased a brand new XXXX XXXX from XXXX XXXX in XXXX MD. It was financed through Wells Fargo. In the summer of XXXX, Wells Fargo repossessed my vehicle. I went to Wells Fargo bank XXXX XXXX MD, and explained my situation and offered to make a smaller payment and asked if they could lower the payment. We were told by the loan officer that they would not listen to our request and that in order to get the car back we had to make full payment and that payments would remain the same. I had contacted them months before the repossession asking for some leniency on payments and was greeted with basically " Too Bad, you signed the loan you pay the amount owed ''. Then after the repossession was finalized they continued to ruin my credit and sending me bills for the remaining amount owed even after the vehicle was resold.
Consumer complaint received 2023-06-13
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. (GA)

Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )