davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-03-14
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 believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX, my credit freezes and XXXX XXXX XXXX XXXX stopped an attempted identity theft usage of PII to obtain credit : " we detected XXXX  XXXX XXXX trying to access your Frozen XXXX credit file. '' I immediately contacted XXXX XXXX to initiate a fraud investigation. I further contacted XXXX XXXX to initiate their fraud investigation. I additionally placed personal Initial Fraud Alerts on all 3 major bureaus. I will be filing a police report when the department opens, today, XX/XX/XXXX. 

On XX/XX/XXXX, I received two emails from Experian notifying me of additional Initial Security Alerts being placed on my credit report. The link is inaccessible, and has been saved to the XXXX XXXX  for verification, and is shown by the XXXX XXXX to have never been active since at least XXXX search history. The automated phone system is unable to place requests for free copies of my credit report. All attempts to reach a human are rebuffed with " only under limited circumstances ''. 

" from : Experian XXXX to : date : XX/XX/XXXX, XXXX subject : Important Information mailed-by : XXXX XXXX XXXX XXXX We have added an Initial Security Alert to your credit file as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This Alert last for one year and alerts credit grantors to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 

You can request a free copy of your credit report at experian.com/initialfraudreport, by calling XXXX XXXX XXXX XXXX or in writing. If you write to us, indicate that you are or feel you may become a victim of fraud or including identity theft, and are requesting your free credit report. Send all of the following : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to Experian, XXXX XXXX XXXX XXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at www.experian.com/fraudrights or by calling XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Debt validation letter written and mailed out XX/XX/2021 to Portfolio Recovery Services at XXXX XXXX XXXX, XXXX, VA XXXX disputes were mailed out to XXXX XXXX and XXXX as well.
Consumer complaint received 2021-11-29
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. (LA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NV)

've been paying Experian a monthly fee for their credit protection service, " Identity Works Premium. '' Experian stated they would provide access to a dedicated fraud resolution specialist in the event of ID fraud/the. However this same company, Experian, has now reposted to my credit bureau report the same fraudulent information that they have previously deleted SEVEN ( 7 ) times a er identifying it as fraudulent. I have attempted to reach the fraud resolution specialist that that I'm paying for numerous times over the past many weeks but the extension number they gave me is for an unnamed, unattended voice-mail and none of my calls have been returned. This is the second fraudulent debt collection that has posted since XXXX and I have now started receiving calls without a message being XXXX from a number identified as another debt collector that they previously deleted. Experian is taking money for protection from a crime they are actually committing by continuing to repost debt previously identified as fraudulent and deleted. This practice is also harassing. I have also filed reports with the NV Attorney General and the FTC
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Hi my name is XXXX XXXX and I was a customer of Best Buy/CitiGroup when I opened my account I called their representative to set up auto pay and asked what amount should be automatically take out of my bank account the representative calculated and said X amount of dollars I paid more than what was told, so I was set up for auto pay 3 months later I purchased another TV and continued making payments, now almost 3 years later they send me a outrageous interest fee stating that the money I was paying only was going toward 1 TV and not the other ( which I wasnt informed until today ) and when I spoke with the agent ( XXXX team XXXX XXXX ) she apologized and said that the representative may have miss calculated and that since I was enrolled in paper less I shouldve seen where the money was being placed ( like I would know what Im looking at ) and she even admitted that the only way I wouldve know is if I knew the verbiage in the statement, this practice is very deceptive and unfair for the consumer its a trap I have multiple credit cards and never hav I had a issue like this, if you could please look over this matter for me, Thanks
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Chairman and Chief Executive Officer XXXX XXXX I Diplomat ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, i a full amount payment to XXXX XXXX XXXX  was received, via USPS proof of Delivery and service signed by XXXX XXXX at XXXX. I received a phone call on XX/XX/XXXX from XXXX from the Back Office executive office. See attachment. I called on XX/XX/XXXX and spoke to a XXXX whom said he saw the tender of payment made but XXXX XXXX refused and or declined the payment. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a Diplomat has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid. Slavery forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to use the card by way of identity theft, and i have not used it as of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, Virginia-based XXXX XXXX XXXX ( now part of XXXX XXXX ) announced the corporate spin-off of its credit card division, XXXX XXXX, naming XXXX XXXX as CEO. [ 10 ] XXXX renamed the subsidiary XXXX XXXX in XX/XX/XXXX. [ 11 ] [ 12 ] At that time, XXXX XXXX was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards. [ 13 ] This strategy is risky in that it can lead to losses during bad times. [ 13 ] XXXX XXXX attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers. [ 14 ] XXXX XXXX began operations in XXXX in XXXX.
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I tried to work out a payment plan with Credit Acceptance but they wouldn't help me and they repossed my vehicle. Now I have a higher balance to pay if I want my vehicle back and I have to drive over 3 hours one way just to get it. I tried to work something out with them before it was repossed but they wouldn't help me and they came to my house and took my vehicle without me knowing it. I don't know if they wrecked my vehicle when it was loaded or not. But they wouldn't help me so I could keep my vehicle and get back on track with payments. They are sometimes rude on the phone when talking to them. I wanted to keep my vehicle but Credit Acceptance wouldn't work with me.
Consumer complaint received 2021-11-29
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. (LA)

I am added on a credit card with XXXX XXXX as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get XXXX XXXX to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.
Consumer complaint received 2021-11-29
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
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. (PA)

I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2021 i noticed funds missing out of my Bank of America checking account. I went into XXXX XXXX XXXX XXXX. branch and spoke with branch XXXX XXXX. He informed me that XXXX was removing this money, i immediately informed the bank i do not have XXXX or have i ever used XXXX. The bank stopped my card and put in a claim. Bank said no worrys, a week later. I receive a letter my claim was denied so i refused their findings and re- opened claim sent them documents : Police report, Attorney General claim and also i put a freeze on my credit report to protect myself. These transaction weren't authourized by me and Banks late finding they said they feel that i authorized these transactions. We still refuse to accept banks findings. I feel as a vailed customer of Bank of America for over 20 years, they should beleive me when i come to them with this major theift of my hard earned money. I also feel the bank has a fadushiory responsible to protect me and my money.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (TX)

Complaint : ( XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

3 facts ( XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). 
Experian and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( XXXX XXXX Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. 

I have attached Experian and XXXX reports to show the discrepancies.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-11-14
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.