davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Equifax and XXXX have reported a XXXX XXXX XXXX after i sent verification that XXXX XXXXXXXX showed i didn't have a Bankruptcy and the US Bankruptcy court states, they don't report XXXX XXXX XXXXXXXX has removed the XXXX as requested. 

Inquiries I disputed as well : 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  : Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Consumer complaint received 2021-03-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

In XX/XX/XXXX USAA Federal Savings bank changed the address on a credit card with out our knowledge or verification. They admit they have no proof they contacted us regarding the address change. Upon use of the card in late XX/XX/XXXX, the statements went to wrong address so the card payment went overdue and eventually charged off. After realizing what happened we paid the charges plus penalties and interest and requested USAA remove the account from the credit report. They refused.
Consumer complaint received 2021-03-20
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. (IL)

Filed a dispute with the credit Equifax in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MO)

On XX/XX/2021, I was attempting to purchase airfare on the XXXX XXXX website. As I was about to make my purchase, an ad within the website came up and suggested I apply for a Citi XXXX XXXX XXXX Mastercard. I applied for the card so I could use it immediately on this large XXXX XXXX purchase, and therefore receive the associated benefits. 

I was approved for the card and the prompt after my approval told me that I could use the card immediately with a limit up to {$6000.00}. That prompt also provided my new credit card number, and allowed me to set up online login credentials, which I did. ( I also received an email from citibank confirming I had been approved for the card. ) Even though I followed the steps to setup my online credentials, they did not work and were apparently not yet activated by Citi. 

Unfortunately, when I went to pay for the expensive airline tickets I was not able to use my new card. ( The specific reason I applied for the new card was to make this purchase. ) This is because I had not received the details necessary for the online purchase -- the card expiration date and the card security code -- from Citi. 

I called Citi to ask for help ( XX/XX/2021 ). I correctly answered every security question asked : my SSN, my Citi security word, my address. After explaining my situation, the Citi agent said she could not help me, and that Citi could not do anything for at least 4 days. I explained the above to her ( that I'd applied for the card specifically to make today 's purchase, and that the online message at approval said I had immediate access to {$6000.00} in credit ) and she said Citi could not do anything - to call back in 4 days. At that point, I asked her to just cancel my card ; she said I would need to call back in 4 days in order to cancel my card! 

I believe the XXXX XXXX ads for this credit card should state clearly the card can not be used for an immediate purchase. The fact that the ad pops up when the consumer is in the process of making a purchase, and even citing how the consumer will save {$200.00} from today 's purchase in doing so, is misleading. Also misleading is the response at acceptance stating that the consumer has immediate access to credit. This is simply not true.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

An escrow refund check in the amount of {$200000.00} was issued and sent to me by my loan service provider, Lakeview Loan Servicing , LLC on XX/XX/XXXX. I never received the check in the mail and notified Lakeview Loan Servicing on XX/XX/XXXX that the refund check was not received and requested for a reissue. I contacted their customer service multiple times. I made at least 7 phone calls to the customer service line and was told each time that the check is in process of being reissued but until today, XX/XX/XXXX I have not yet received it. Every time I call customer service, they keep telling the request for reissue has been submitted and I should receive it shortly.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, After checking my personal credit with your company, I noticed that you are currently reporting incorrect information to my credit file. The personal information section on my credit report contains information that does not belong to me, I am aware that there are many individuals who may have the same name as I do, however only accurate information should be reported to my credit file. I am asking that you correct the following information. 

Please remove the incorrect names you have listed on my credit file. My name should only be listed as XXXX XXXX this is the accurate spelling of my name, and should only be listed as such. 

Please remove the incorrect addresses you have listed on my Credit File, My address is XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX this is the only address that should be reporting to my Credit File, please remove any other listings that you may have. 

Please remove the incorrect phone numbers you have listed on my Credit File, my phone number is XXXX, this is the only phone number that should be reporting to my Credit File, please remove any other listings that you may have.
Consumer complaint received 2023-02-18
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. (MN)

After discovering that a debt collection company and Trans Union were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (PA)

on XXXX and XXXX ive sent letters to the XXXX XXXX and equifax about this fraudulent identity theft account ( XXXX XXXX Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, XXXX and equifax failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, XXXX and equifax are violating my rights and committing fraud Also this XXXX XXXX account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX  has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.
Consumer complaint received 2023-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (FL)

XXXX XXXX XXXX Debt recovery solutions appeared on all three of my credit reports. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  appeared. I have been trying to figure out for the life of me what these debts are. It looks like my original creditor for XXXX is XXXX XXXXXXXX XXXX  But after having my loan specialist pull it up it states medical. Which is why I made a payment. In XXXX but after doing extra research I believe these two companies are in pursuit of the same debt. Very, very criminal. Back in XXXX  I had a loan with XXXXXXXX XXXX. And it was for about XXXX. Both of these collections are XXXX and one for XXXX. I believe they are debt parking and trying to rob me.. XXXX a medical collection appear as XXXX XXXX XXXX I think it would state the hospital. When looking at my allotment in for XXXX the bank was XXXX XXXX and XXXX XXXX XXXX Neither company has validated the debt and they are still parked on my credit report. Violating FDCPA section 1692 e ( 8 ).
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XXXX and XXXX ive sent letters to the XXXX, transunion and XXXX about this fraudulent identity theft account ( XXXX XXXX, Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and XXXX, transunion and XXXX failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXX XXXX, Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD. XXXX, transunion and XXXX are violating my rights and committing fraud Also this XXXX XXXX  account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX Asking to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.
Consumer complaint received 2022-10-31
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)

XX/XX/XXXX I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE TRANSUNION ARE FURNISHING WITHOUT PERMISABLE PURPOSE.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Opened a checking and savings accounts on XX/XX/2021 Have not received atm/debit card. Used the chat service .. told need to order, but ordering was not available on line to me. Told to call customer service. Associate was unable to order an card. Transferred me to account security. Who says account is under review? but had no reason for the review and no other information. USAA does not have local branches I have no way to get cash with out an card and they did not even notify me and will not provide any farther assistance.
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: CMRE Financial Services, Inc. (CA)

I am very unhappy with CMRE Finance. They promise me that if I paid all the collections I had with them they would deleted them. They still have not done it. I paid them several months ago so they should not still be on my report. I feel they lied to me just to get their money. If even showing on my report that they have been settled now they need to be deleted.
Consumer complaint received 2024-03-16
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. (TX)

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, Equifax 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, Equifax, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including XXXX, Equifax, and XXXX XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, Equifax, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I went to nissian dealership to do a trade in for a truck for my husband. We have bought 5 vehicles from this company. My issue is not with the people working at the dealership on XXXX  XXXX in XXXX Tennessee. Mr XXXX XXXX  and XXXX did a fine job. My complaint is your XXXX customer service department. They were very unprofessional and did not care about the needs of the customer. When I did call your XXXX number to find out why was I not on the pre approve contract when u sold us the vehicle you specified and said pay for 12 months and bring the vehicle back and purchase another. We paid 22 months and you still did not honor your word. That is false advertising and misleading You do not want to even to correct problem. You left a bad taste in my mouth All you want is money. You lie to people and you give false information. You do not even live up to your name. All lies. I am writing to the president of united states and to let him know how shady your company and you do not handle the complaints you already have.
Consumer complaint received 2023-07-16
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. (NC)

On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies XXXX XXXX, Equifax, and XXXX.