davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Arizona XXXX XXXX ( XXXX XXXX ) {$510.00} closed XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} closed XXXX XXXX XXXX XXXX XXXX XXXX ( paid in full ) XXXX XXXX XXXX XXXXXXXX ( paid in full ) 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 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 2020-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have applied for HELOC with Bank of America. Application was denied due to hidden limitations. Agent stated that right now no heloc is approved unless Bank of America issued the mortgage and you have a checking account with them. I dont match either of those criteria. On the application and during the applying process no statement was issued or warnings were posted that those are primary requirements to be approved. Basically I was applying and running my credit for no reason, since I wasnt eligible from the start. Bank of America failed to provide disclosure conserving limitations and current requirements to get HELOC. I even went to talk to branch, and they referred me to XXXX XXXX who tried to pursuance me to refinance my house and get the cash out. That was not what I wanted in the first place, and I feel that bank of America tried to take advantage of me by not providing full disclosure about limitations, denying me heloc, and pressuring me into refinance and take cash out.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

This company LVNV FUNDING LLC is still reporting this account to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report. I dont want this company saying that this isnt me, doing this complaint because it is I.
Consumer complaint received 2018-03-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC. (MS)

Reference my CFPB complaint, ID # XXXX, to Check into Cash INC., submitted on XX/XX/XXXX ; and Check into Cash INC. response to this CFPB complaint on XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX reported a Delinquent Account in Collection, from Check into Cash INC., to all three Credit Reporting Agencies. The First Date of Delinquency for this Collection Account is showing as XX/XX/XXXX. In my above referenced CFPB complaint, I requested Validation of this Collection Account from the Original Creditor, which is Check into Cash INC . In their response, Check into Cash INC. stated that the Delinquent Account has been recalled from XXXX XXXX XXXX, XXXX XXXX XXXX ; and my outstanding balance is forgiven. They also Validated the First Date of Delinquency is on or before XX/XX/XXXX, which was when they FIRST sent this Delinquent Account into Collection. 

Per the FCRA, based on the XXXX XXXX XXXX XXXX XXXX, which is on or before XX/XX/XXXX, this Collection Account is over 7 years old, therefore TOO OLD to be on my Credit Reports. XXXX XXXX XXXX, XXXX XXXX XXXX should have never sent this Collection Account to the Credit Reporting Agencies. 

Since Check into Cash INC. is the Original Creditor, they should furnish all three Credit Reporting Agencies { XXXX XXXX XXXX XXXX  } with  the Validated Date of First Delinquency, which is on or before XX/XX/XXXX. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, and/or Check into Cash INC. should have this Collection Account deleted from all three of my Credit Reports.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

Im writing because I have exhausted all efforts to correct my information with XXXX  and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.
Consumer complaint received 2022-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with Capital One. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

I have tries to reconnect my PNC account to my sons XXXX account and my own XXXX account several times over the last year, even with the help of the bank, but it doesnt work. Thw accounts were connected when I first opened them, but since then the bank has changed something which makes it impossible to link it to outside accounts such as XXXX. This is ridiculous and I will have to get another bank account somewhere else if it is not resolved because I need to be able to transfer money to and from my son 's XXXX account
Consumer complaint received 2023-05-08
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. (TX)

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (GA)

I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : 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 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. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.
Consumer complaint received 2019-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (CA)

Last XX/XX/XXXX I responded to a voicemail saying I was approved of {$5000.00} personal loan. When I called a certain XXXX told me that my credit score is low so I have to pay {$200.00} to have the loan approved and ask me to buy a XXXX XXXX debit prepaid card and load it with {$200.00}. After giving her the details of the card she again asked me to get another card and load it with {$360.00} for the processing fee and after again doing so she told me that they can't deposit the money to my account for some reason and told me that they will send the money through XXXX XXXX so I have to get a third prepaid card loaded with {$200.00} for the fees to pay XXXX XXXX so I can get the money that same day. XXXX then told me that she will call me back to give the ID number for the money transfer but she never called back. I tried everyday to callnher but they don ' t answer the phone anymore and sometimes they just hang up the phone. The last call I made acfertain XXXX XXXX answered and said that XXXX is not available. He said he is the general manager and I ask him to cancel my loan application sng just give me a refund the he told me to call back at XXXX XXXX but again they won't answer the phone anymore up to this time.
Consumer complaint received 2020-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

In late XX/XX/XXXX, BofA notified my wife and that no mortgage payments for XXXX or XXXX of that year were made. They were made by our bank and BofA did something with the funds that were never credited so with no notice to us, they foreclosed. 
We did not know this until mid XX/XX/XXXX when attorney 's began flooding our mailbox to represent us in foreclosure. 
To further disgust us, a third party investigator discovered that a XXXX law firm they hired to handle court proceedings, purposely changed the FHA loan into a conventional violating every rule possible. 
We were never notified by anyone on anything regarding the loan changes or transfers. 
There is a document uploaded for your review on this.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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.

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 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/21 I met up with someone to purchase a product in the amount of {$200.00} with XXXX, which always goes through almost instantly. This payment was authorized for that day, not the following day. The person claims they didn't receive the first payment. So I went a head and did another XXXX payment which went through immediately. The next day it shows 2 payments went through.
Consumer complaint received 2023-06-28
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. (FL)

I have been trying without success to get fraudulent information removed from my credit reports at the XXXX major agencies. This is a long standing problem and I have lost faith that it will ever be resolved but it is over 6 years since the last activity and the information will drop off soon XXXX XXXX closed and wrote off the account in XXXX but it listing a payment in XXXX. This will prolong the time the fraudulent information remains on my reports. To my knowledge there was never a payment made by me in XXXX. Please help me to get this removed so the fraudulent account will drop off my credit next year I have been damaged enough. Also I have not missed any payment on any accounts in my name since I returned to the XXXX over XXXX years ago please make sure my credit reports reflect my actual payment history. 
Thank you. 
XXXX XXXX
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I used my Chase debit card to pay XXXX XXXX Credit Services {$200.00}. 
On XX/XX/XXXX, XXXX XXXX Credit Card Services reversed the {$200.00} credit. 
I have asked Chase repeatedly why they reversed the {$200.00} credit. 
I asked an attorney to send Chase a letter asking this question. The attorney sent Chase a letter on XX/XX/XXXX and Chase has never responded to the attorney. 
I have included detailed letters and statements.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX is attempting to collect on a debt for their client Calvary Portfolio Services.  This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (NC)

In XXXX of XXXX I rented from an apartment complex. A balance of {$1900.00} was sent to collections in XX/XX/XXXX that was no longer my responsibility. Once a balance is sent to collections, the original creditor has written the balance off on their taxes and you are no longer obligated to pay any owed balances. That apartment complex also went under new property management in XXXX of XXXX and the new property management company paid for and assumed all debts, and again, I was no longer responsible for or obligated to pay any past due debts. I have disputed this with the credit bureaus and the collections agency says the balance is my responsibility. The collections agency stated to remove this off of my credit that I needed to provided documentation to them stating that I no longer had a balance. I provided the information to the collections agency and they are still trying to collect for their own purposes and will not remove this from my credit report nor accept the documentation showing that I do not owe a balance which is what they asked for. I have contacted the former property management company ( via email and phone ) and I have also contacted and received documentation from the new property management company. The collections agency that has this balance refuses to hear any explanation, refuses to accept documentation, and refuses to remove this from my credit report.
Consumer complaint received 2022-11-11
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Sequium Asset Solutions, LLC (NV)

For the past two months I have been Calling Sequim Asset Solutions to get my balance and they always state its at {$0.00} but when a credit bureau is asking them to report I have an open balance. I have called every other week to confirm this and their recorded calls have it all I have also asked for a letter to be sent to me proving that Im zeroed and they say its a 24 hr process that needs to be approved by a supervisor but I have nit received one and I've asked three times that way I can send it to the bureau with my dispute but still nothing.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (IL)

I disputed XXXX Inquiries from XXXX Bank on my XXXX and Experian personal credit report in XX/XX/XXXX through Consumer Financial Protection Bureau. 
I received an update informing me that XXXX Bank was made aware of the fraudulent inquiries and that they would notify the major credit bureaus to have them removed. The following month XXXX removed the inquires ( with some follow up ) and honestly I forgot abt the inquiry on Experian. So today i noticed that the inquiry is still on my Experian report, so I called Experian today XX/XX/XXXX and explained the scenario and XXXX of their reps explained to me that despite successfully disputing the fraudulent inquiries including notification from XXXX Bank to remove the inquiry from my credit report... he read from some script why they wont do it.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 XXXX reported to Experian that I reside at XXXX XXXX XXXX # XXXX XXXX, Ca XXXX when in fact I do not reside at XXXX XXXX XXXX and the company knows that. I submitted a complaint 78 days ago for the company to be removed from my credit report due to violated multiple federal laws and according to my credit report XXXX XXXX reported a false address on my report and refused to be removed when I submitted a complaint on XX/XX/2023. This is a complete violation of my federally protected rights.