davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (NC)

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-13
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. (AR)

was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}
Consumer complaint received 2020-04-13
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXXXXXX   XXXX {$11000.00} XXXX/XXXX XXXX {$110.00}
Consumer complaint received 2024-03-19
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

My account balance is not correct My credit report showed past due but it is current The company posted a remark on my credit report saying affected by natural disaster because I requested extension because of the coronavirus pandemic and I need to be removed from my credit report it affected my credit score
Consumer complaint received 2020-04-13
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. (AR)

was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services continue to harass me ( Ref # XXXX ) dated XX/XX/2020 requesting personal information & {$910.00}, after I stated " CEASE & DESIST '' immediately in my letter of XX/XX/2020 & filed a CFPB complaint. 

As stated in numerous letters to Resurgent Capital " I disputed this debt & do not have any responsibility for the debt Resurgent Capital is attempting to collect. '' " STOP all communications with me and RECORD that I dispute this claim. '' " CEASE & DESIST '' immediately. 

They ignore to " CEASE & DESIST '' request.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a payment deferment for my home mortgage as a result of the current COVID pandemic. XXXX XXXX XXXX will only provide a forbearance for 90 days and that at the end of the 90 days, a balloon payment for the entire amount of the payments not made within that 90 day period including the current amount due would be due, in my case, totaling over {$17000.00}. I told them I could not afford that and they said that is all they could offer. I have had the account for over 14 years, never ever missed a payment or made a late payment. They're structuring this so that consumers like myself will fail by forcing the balloon payment rather than extending the term of the mortgage an additional 90 days. Bank of America is extorting consumers and the banks actions will lead to an enormous amount of foreclosures because consumers who were forced into forbearance during this pandemic will not be able to make up those three missed payments all at once. This is criminal!
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (ME)

I have been trying change my name with Citibank for almost a year with no help. I opened an account with Citibank in the early XXXX. By XXXX  all branches in XXXX XXXX were closed. I have since married and changed my name and can not get assistance to update my account. They require a notary which I am currently unable to go to because of Covid-19 and my health issues. In all of the work I have done in changing my name on loans, insurance, etc. only Citibank has given me a difficult time. Changing my SSN was easier. I am unable to deposit a check because it is in the wrong name and there is no branch. I am being continually punished by a bank that refuses to help me or make any exception in this difficult time. I do not understand why a bank requires me to risk my life to reflect a simple name change. I was told I could change my name over the phone and am now being told I can not.
Consumer complaint received 2022-12-30
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: AMERICAN EXPRESS COMPANY (MI)

I am victim of a consumer fraud of over {$5000.00} on my American Express card made at a XXXX XXXX store in a city I had not been to and located Michigan. I have tried numerous times to dispute this with American Express. I contacted American Express with over 100 letters, telephone calls, or email or text responses pleading that I did not make this purchase. I pleaded with American Express and The credit reporting agencies XXXX XXXX XXXX and XXXX to please investigate accurately and not rely on the information American Express had provided to them. American Express failed to follow the basic investigative process of reviewing the receipt of the fraud which is not in any way associated to me. I pleaded with American Express for weeks before they would provide me with a copy of the actual store receipt from XXXX XXXX as they refused to provide it. They would tell me that it was internal only and could not be given to me. I pleaded and begged for proof that I authorized this purchase I pleaded and begged for a copy or proof of any recording that they have or transcripts that they have that had me authorize this purchase. American Express and the credit reporting agencies have refused to provide transparency in this nightmare that I have been living since 2017.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (WI)

When my vehicle was purchased it was explained we had a 10 day grace period to make a payment. I do not receive a monthly statement and even the online portal shows nothing about payments or fees. However, after a lot of searching found out the company has no grace period and we have been charged an unspecified amount in late fees. I have XXXX clue how much of my balance is even fees due to a lack of statements.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

This Account was opened fraudulently and not by me. This is a violation of my rights as a consumer. I am human. There is no 3rd party involved. I have reported to FTC. There are duplicated fraudulent accounts. I have attached the FTC Report. The following accounts need to be removed from my credit profile ASAP.

Following Fraudulent Duplicated Accounts : XXXX XXXX XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number XXXX XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NC)

Well for starters its not a credit card but it is a debit card. Now that that 's out of the way ; I was gone out of state for 2 months to attend basic military training ( XXXX XXXX XXXX XXXX XXXX 2016 to be exact ). There was a withdrawal from my account of {$900.00} on XXXX XXXX 2016 in XXXX, NC. Once I found out I immediately informed my bank about the situation. They put the temporary credit back on there and began the case. Since I was in basic I had no way to communicate with them again until I returned home. On XXXX XXXX 2016 I received a letter stating they denied my claim. They deducted the {$900.00} out of my account this morning and now I 'm in the negatives. I see why they do n't believe me but I do have proof of me being in the other state and not in the state where the money was taken out from. Honestly I feel like the company is horrible for letting something let this happen in the beginning. I have no clue to how they got the money without a problem.
Consumer complaint received 2020-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I attempted to pay off my loan with Capital One auto finance. They do not give clear instructions on their app, so I called their XXXX number. My payment has still not posted. When I call the XXXX number, it says their associates are not available and to call back within the hours of XXXX and XXXX central time. Those are the hours I am calling. The problem I have is that the payoff amount keeps increasing with each day the payoff is not made. I am hesitant to pay it again as I do not want to go through the headache of overpayment.
Consumer complaint received 2024-03-23
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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. (NY)

Dont close this complaint this is a legitimate complaint i followed the ftc process to file this complaint and you guys keep closing it with out submitting it to the credit reporting agencies. This is not coo or fair. however i am a victim of identity theft and need the following accounts removed from my credit report.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (CA)

I received an invoice indicating that I owed {$6200.00} to XXXX XXXX  Acct number ending in XXXX on an acocunt between XX/XX/XXXX and today. I received this notice in the XXXX mail on XX/XX/XXXX. I have never borrowed from XXXX XXXX  or XXXX XXXX XXXX, the other creditor listed on their website. I believe this invoice/bill to be bogus and an attempt to scam a senior citizen. Until today, I have never received any form of communication from this company. I will contact them tomorrow but I can confirm I have never heard of this company and have never borrowed any money from the creditors they represent. This debt is not legitimate. This debit is not and has never been listed on any of my credit reports.
Consumer complaint received 2020-04-13
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. (TX)

XXXX ; Experian and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a personal credit card account with Bank of America. The last payment to this account was made on XX/XX/XXXX and the account first became delinquent on XX/XX/XXXX since I did not make any of the payment that was due on XX/XX/XXXX. This account was charged off in early XXXX due to non-payment. The account is scheduled to be removed from my credit report later this year as it will have been seven years from the Date of First Delinquency. 

Bank of America continues to incorrectly report to XXXX  and XXXX  the Date of First Delinquency to be XX/XX/XXXX. The account was deleted from my XXXX  credit report last month as it has become obsolete. I have tried disputing this information with both XXXX  and XXXX  several times during the months of XXXX and XX/XX/XXXX. The credit bureaus tell me that Bank of America continues to affirm that the Date of First Delinquency is on XX/XX/XXXX. I attached documentation to my disputes which include XXXX XXXX  account ( the account from which I always paid the bill ) statements as well as e-statements provided by Bank of America which reveal successive increases in both the account balance and minimum monthly payments due to non-payment of the account. My bank account statements and e-statements concur with the last payment being made on XX/XX/XXXX ( posting on XX/XX/XXXX ) with no payments made afterwards however Bank of America is not changing their story. 

My entire issue is only asking to adjust reporting of the Date of First Delinquency by one month ( correct date of XX/XX/XXXX and NOT XX/XX/XXXX ) or simply remove the old account from the two credit bureaus as it is going to fall off later this year anyway.
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXXn and Transunion should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.