davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Company Inquiries : 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 I XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (AZ)

I had an automobile loan with Honor Finance in XXXX and self surrendered the vehicle because it was giving me problem after problem. I was contacted in XX/XX/XXXX stating a garnishment would be taken place. As of XX/XX/XXXXmy wife 's checks have been garnished with an up to date amount of {$11000.00} that has been taken. On the court document states an amount of {$8400.00} was owed.
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (IL)

I have had my car loan for over four years and I feel that my payments are not going toward my principle balance at all. I remember calling almost two years ago and my balance was XXXX XXXX and something dollars, well still to this day when I call my pay off balance is XXXX XXXX something dollars. I pay {$380.00} a month payments. It makes no sense. The car is barely worth {$4000.00}. I have been requesting a full payment history since XXXX of last year and they still will not send me anything. I do not get statements from them at all. If I don't make my payment they call me all day and night every day. I want a payment history to know where all of my money has gone and to figure out fair payments for the future to get this car paid off but they are absolutely impossible to work with. When I ask them how much interest I have left to pay they tell me I pay more interest every single day. It doesn't make any sense to me and when I googled and researched the company I found out they have had multiple huge lawsuits against them for bad loans and I'm now scared I might be a victim of them.
Consumer complaint received 2020-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

There was a payment of {$100.00} that was posted to my account in XXXX of 2019. The payment was improperly posted. {$50.00} should have posted in XXXX and {$50.00} in XXXX. As a result of this error it shows a 30 day late to my account in XXXX. They recognized the error and even credited my account for the late pays. They informed me they would also adjust my credit report. Upon checking my report this year I noticed the error and been trying to dispute it for several months. This is my third attempt with supporting documentation where they credited the late fees. I have never been late with this company or any other company. They refuse to remove this negative information from my report.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I made a payment on my Victoria Secret CC of {$500.00} my original credit limit was {$600.00}. Around XX/XX/XXXX and XXXX Comenity Bank did a soft pull on my XXXX  credit report and decreased my credit limit to {$150.00} without my acknowledgement. When I call VS and Comenity Bank no-one could give me an answer behinds they did a promotional soft pull. They informed me that they sent out a letter explaining the decision. I never received a letter from the Bank of today XX/XX/XXXX. I have a block on my XXXX  Report for promotional purposes so no-one can run my credit to determine whether to increase or decrease my credit limit. This has caused my credit score to decreased by 57 points which is hurting my credit reporting because they lowered my credit limit. I am beyond upset that they would do this right after I made a huge payment on my card. Comenity did a soft pull on my credit on XXXX XXXX and XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. During these soft pull my credit limit was not changed, because my balance was at the maximum credit limit. I have tried to talk to both VS and the Bank and they just hang up on me. Please help me with this issue because I can't seem to get an answer or resolution. This is a violation of my consumer rights and they don't seem to care.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXXXXXX XXXX XXXX sold a closed and charged off credit card account to a collection agency in XXXX ( Portfolio Associates ) The credit card account was opened in my name. XXXX states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at XXXX XXXX  where I was given this information. But, XXXX XXXX  is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, XXXX XXXX  is double reporting an account they do not own. XXXX XXXX  is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( XXXX XXXX  ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( Portfolio Recovery Associates ) is also reporting this account to all three major credit bureaus as an active collections account. 

Portfolio Recovery Associates is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued Portfolio Recovery Associates in XXXX the Commonwealth won a class action lawsuit against Portfolio Associates for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) Portfolio Associates agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement Portfolio Associates agreed were ordered to stop collection activity from Social Security Disability ( SSDI ) recipients. In short not only is Portfolio Associates in flagrant violation of the terms of their very own settlement agreement both XXXX XXXX  and Portfolio Associates are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. Portfolio Associates is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. XXXX is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
Consumer complaint received 2022-12-30
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. (CO)

Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-11-05
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. (CA)

XXXX XXXX, Equifax, and XXXX is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.
Consumer complaint received 2023-01-06
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. (CA)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. Also, the information you provided on the accounts has doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I've paid for credit monitoring services with XXXX  for over a year and beginning XX/XX/20, I was unable to update my scores and reports with Equifax and XXXX. I contacted XXXX  with a help ticket and was in constant contact with them regarding this issue. They could not find an issue so I decided to contact XXXX  in order to receive my reports and scores from them. I confirmed my identity and was told that Equifax that I would not release my scores or reports as I did not have a valid credit file to release due to not having enough credit history or not having a long enough address history. When I contacted Equifax on XX/XX/20, I was told that they have no issues on their end and I show no freezes or blocks on my account that would prohibit a monitoring service from accessing my report to give to me. I was also asked to purchase their monitoring service for {$10.00}. I was then told after being transferred that their system was down. When I was transferred again, I was denied my request of speaking to someone that could fix the issue and told that everyone has the same access. They sent me a complimentary copy of my report and score as of today 's date, but still have not given me an answer as to why I can't get my scores or reports from any other monitoring service.
Consumer complaint received 2023-05-27
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I received a notification that XXXX & XXXX XXXX XXXX XXXX was a new account on my consumer credit report. 

These accounts were previously deleted back in XXXX and I did not receive a notice from TransUnion nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me as established from my disputue in XXXX which resulted in them being deleted. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) I am also very dis-satisfied with the way my consumer report disputes for XXXX XXXX XXXX. They closed the account with a zero balance but it still reflects a " reported balance '' That is contradictory. 

Furthermore, THIS ACCOUNT DOES NOT belong to me. 

There is inaccurate information that I have disputed only to receive a notice stating that they will not re-investigate. THEY WERE NEVER INVESTIGATED INITIALLY. This is a violation.
Consumer complaint received 2024-05-17
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. (AZ)

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. 

XXXX XXXX XXXX : ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE 30/60/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. EQUIFAX REPORTS IT AS 30 DAYS. XXXX REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXX 75 %, EQUIFAX 100 %, AND XXXX 80 %. AGAIN, FOR THE SAME ACCOUNT. 

I am writing to urgently dispute inaccuracies on my credit reports with XXXX, Equifax, and XXXX. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. 

The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. 

Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TFC Credit Corporation of California (CA)

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. TFC CREDIT CORP XXXX.