davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Partners, LLC (VA)

RMP SERVICES LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX The company above is reporting a collection on my credit report that is inaccurate. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. This company is also in violation of the HIPPA. HIPAA restricts the direct sharing of patients ' health information with debt collectors. HIPAA restricts the direct sharing of patients ' health information with debt collectors.
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: CarMax, Inc. (CT)

I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXXXXXX XXXX IN THE AMOUNT OF XXXX $ CARMAX AUTO FINANCE XXXX XXXX XXXX $ XXXX DEPARTEMENT OF ED.XXXX {$2600.00} $
Consumer complaint received 2023-06-27
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. (IA)

I found 2 hard inquires on my report and XXXX XXXX XXXX  refuses to take them off! I called and spoke to XXXX from XXXX XXXX XXXX and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that! 
I also contacted Experian today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help me!
Consumer complaint received 2023-06-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (AZ)

In 2019 I went to get some money out my account just to be told Midland Credit had a judgement against me. I was never served by Midland credit or my bank huge federal credit union. At the time they said l owed XXXX. They took XXXX out my account. I have a court date on XX/XX/XXXX. Its for garnishment. The person they served was not me. I filed a few motions explaining to the judge its not me. The judge goes pay the money. During the time this went to collection l had servers l accounts that someone hacked into including my bank account.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  LOANS XXXXXXXX XXXX XXXX  CO L XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 
It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 
Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

Payments to my XXXX account were delayed in being posted causing my account to be delinquent. My bureau now shows a 3x XXXX ratings and a XXXX score of XXXX when my historical payment history and credit rating has always been XXXX with no delinquencies. Now causing an issue with my ability to obtain mortgage financing
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I'm incredibly frustrated with USAA Federal Savings Bank for placing my funds on hold after depositing a check for XXXX XXXX which caused me to overdraft. After requesting the hold be lifted due to hardship, I received nasty responses and attitude. It's infuriating that ordinary citizens like myself are treated with such disrespect, while millionaires likely dont face this level of scrutiny.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Equifax XXXX XXXX XXXX Opened XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX XXXX XXXX opened XX/XX/ I've called these company numerous of times, asking if I could get this company to remove this collection off of my credit due to a financial hardship and informing the collection I did not have any knowledge of these companies..
Consumer complaint received 2023-06-17
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 (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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 fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately 1. USAA FEDERAL SAVINGS BANK
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (MS)

I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and received a quote for XXXX   service. It was stated as a 2 year contract and I verbally agreed. I was not present for the installation and have never signed any documentation with XXXX. Because of the difference in prices from competitors I chose to stop using XXXX XXXX service. I was then sent a bill and told I owed XXXX the balance of an 6 year contract that I had signed. That was in XXXX and it was the first time I had heard anything about a 6 year contract. There was a dispute but XXXX could not provide any documentation that I had signed that stated this 6 year contract. XXXX then said they agreed and my account was canceled and I did not owe them anything. XXXX XXXX with XXXX said on XX/XX/XXXX that I had a {$0.00} balance and even sent me a quote for a new contract at a discounted rate if I would stay with XXXX   service. I have the emails. Today XX/XX/XXXX I received a letter from Perfection Collection stating that I now owe {$1500.00} and I had to pay before XXXX to avoid legal action. I tried to call XXXX but they won't speak to me. I called Perfection Collection and the lady told me that she knew what kind of person I am and I just didn't want to pay the debt. I explained that I paid my service fees and didn't owe XXXX anything but she told me multiple times " call XXXX '' even though she knows they won't talk to me, when I told her I would file a complaint with the CFPB she laughed and told me " good luck ''. She kept saying that she had a document signed by me as the contract and then provided a document that was obviously not signed by me, not even my name is signed.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I applied for the Chase Southwest Airlines visa card while on a SWA flight. 
My credit is frozen and I expected to have to unfreeze my credit report at one of the 3 credit bureaus. 
I waited for the letter from Chase asking me to unfreeze my credit. 
I received a letter at my home address dated XX/XX/2019 from Chase asking me to unfreeze my credit with XXXX. This letter listed reference number : XXXX I unfroze my credit with XXXX  on XX/XX/2019 and called Chase at XXXX Chase refused to send text verification to both of my phone numbers. 
1. My work phone which is not in my name but my company name. 
2. My home phone which was ported from an XXXX to XXXX XXXX last year. 

I received a 2nd letter at my home address ( same reference number ) dated XX/XX/2019. 
This letter was from their fraud prevention services and stated that my application was declined because they could not verify my information. 
On XX/XX/2019 I called fraud prevention services at XXXX but was not given any additional reason for the declined application. 
Chase is discriminating against users of non-traditional telephone services such as XXXX XXXX. 
My credit score is above 800 and I should not have been denied this credit.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

To whom it XXXX concern, I reached out to the Wells Fargo customer service representative upon receipt of my first overdraft fee on XX/XX/year> and they informed me that there was a change to their overdraft fee policy. This change was implemented at the beginning of XXXX. This was a change to the fee reimbursement. They would be only servicing XXXX transaction type per account per service year. This directly affected my account and how the fees with it are assessed. There was no correspondence of this change sent. Wells Fargo has always informs me about the changes to their policies and my account in the past. For example, with the extra grace day, for overdrawn accounts. The company informed it's clients and advertised the change. With the former change, I was informed there was no correspondence sent out. I was blindsided. This led me to generating overdraft fee after overdraft fee every other day, trying to play catch up. 

I was not prepared for this change. With the economy and inflation failing me and the rest of the country, I expected more from a bank I have been with my whole life. I accrued XXXX overdraft fees totaling {$700.00} due to this. This is unheard of in the span of XXXX months. That is my bi-weekly check. This all has occurred due to my account being overdrawn from the previous negative day, and me playing catch up. Luckily, I was able to bring my account current. 

When contacting their escalation team, they informed me I was informed, during my previous calls, that I would not be eligible for future returns. I was not informed and they would not provided any additional transcripts verifying this. 

I am currently XXXX  because of this and I have no where to live. Please assist in anyway you can. 

Regards, XXXX
Consumer complaint received 2023-06-27
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. (NY)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the persistent presence of fraudulent accounts on my credit report, despite confirmation from the banks over the phone of the validity of the provided documents and their commitment to remove the accounts. These fraudulent accounts must be promptly removed in compliance with the law. 

Account in Dispute : XXXX XXXX XXXX XXXX!
Consumer complaint received 2017-07-17
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. (IL)

I 've reached out to the credit bureaus to dispute an account listed as "   XXXX   '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.
Consumer complaint received 2023-07-04
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (CA)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.