davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (CA)

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which XXXX clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I see three credit inquires in my name. I check my credit scores in XXXX  XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

Equifax 1. XXXX XXXX  XXXX/XXXX  XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX  1.XXXX  XXXX Inquiry from XX/XX/2020
Consumer complaint received 2020-01-16
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. (CA)

XXXX XXXX XXXX REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I called in to ask about the Forbearance process back in XX/XX/XXXX due to the hurricane that just hit and caused me to lose my job. I was told that the Forbearance had to be granted due to the circumstances and that I would get a 3 month break from my mortgage payment with no affect on my credit or payment history. I was also advised that the loan itself would not need to be changed and that the 3 payments would just be added to the end of the loan. All I needed to do was start to make my payments again after the 3 months. It turns out that was not accurate. A few months after I started making on-time payments as I was scheduled, I started to receive phone calls and letters asking me to either pay the full amount of the 3 months that were missed or I had to refinance my entire loan. After several months of back and forth and them continuously giving me bad advise and information about how things worked I just tried to take my loan elsewhere. However, since they stopped reporting to credit due to the situation, nobody would allow me to get a new loan on the home. So I was stuck with Cardinal Financial and had to jump through a thousand hoops to get the refinance done that never should have been needed in the first place according to the call I had originally made about the forbearance. Now that the refi has been completed, they are reporting to credit that I was more than 90 past due on a few payments and it is having a drastic affect on my credit score. I was told numerous times that once the refi had been completed the credit would  reflect no past due payments and it would look as if none of it ever happened. I have been trying to get this issue resolved with my credit since XX/XX/XXXX and I can't seem to get anybody to respond to my emails. When I call, I'm told I can't speak directly to that department and I just have to wait for them. I'm tired of waiting for them. Its been over 2 years I've been dealing with this all because I was misinformed from the beginning.
Consumer complaint received 2020-01-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (LA)

Credit Collection Service ( CCS ) is reporting on my credit report that I have an collection account in the amount of {$260.00} that was supposedly opened on XX/XX/2019. I never applied or opened this account. This is an fraudulent account. I have make numerous request for proof and verification of this account directly with CCS to no avail. Again, this is an fraudulent account.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had a loan with 5th 3rd Bank. In late XX/XX/XXXX, I saw what my loan payoff balance was. The current payoff balance was {$2600.00}. I sent an electronic payment for that exact amount, and it cleared my checking account on XX/XX/XXXX. I logged into 5th 3rd 's website On XX/XX/XXXX to be sure that I didn't have a balance. I understand that interest accrues daily and with the XXXX XXXX 's holiday, it might take a little longer for my payment to clear. So I would have been fine with owing a little bit of interest. As an aside, most quality banks let the consumer know how long the payoff balance is good for, but they don't do that. 

When I logged into 5th 3rd on XXXX XXXX, I was able to log on, but there was NO account listed. I had NO account to check if there was interest owed. I took this to mean that I owed NO money and they closed the account. 

On XX/XX/XXXX, I received a piece of mail from 5th 3rd bank. I was expecting it to be my car 's title. But instead it says that I am LATE with my payment of {$12.00}. I logged into 5th 3rd immediately, and wonder of wonders, I had an account again. It said that I now owed {$2.00} interest and a {$10.00} late fee because the {$2.00} was due on XX/XX/XXXX. Clearly if I had known I owed additional interest, I would have paid it. But my account was CLOSED. They opened it back up to charge me interest and late fees. 

It is a matter of principle now. I don't owe them any more money, and I want my car 's title. 

Incidentally, I paid off a second car loan ( at a different bank ) at the same time. XXXX Bank thanked me for my business and sent me that car 's title within a month. I really don't like 5th 3rd banking practices, which was part of my motivation for paying off the loan. I wanted nothing more to do with them. And I thought I was done.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, XXXX  is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Equifax has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed
Consumer complaint received 2023-06-07
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. (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA reps Uncooperative HOSTILE Will NOT EXPLAIN CLOSING STATEMENT TERMS XXXX ID XXXX the one today would not explain None can ever explain even after I explained I could not go on line They are Untruthful each one saying a different thing to PURPOSELY CONFUSE ELDERLY MORE What is Definition for Term on ( Adjustment Purchases )? 
What is their function as in why are they there? Who are they from? Why? Sometimes they are considered TEMPORARY credits Sometimes they are recorded as New Purchases How to know which and why same term? Very confusing What happens when a fraud is called in? Are TEMPORARY credits LISTED ON CARD APPLIED AGAINST THE BALANCE? When are Temporary credits MADE PERMANET ** USAA does Not provide an option for me to access my account and phone reps will Not EXPLAIN POLICY and TERM meanings. Thousands of NEW PURCHASES XX/XX/2019 statement say ( Security of ) And No One Explains Who would pay thousands of dollars for the UNKNOWN?
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2022-11-12
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX  Balance : {$720.00} XXXX XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no XXXX verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Consumer complaint received 2022-11-12
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. (MD)

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

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 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC (VA)

On XX/XX/XXXX I applied and received a flexloan on-line in the amount of {$350.00}. 

I signed an EFT authorization which listed my checking account with XXXX XXXX XXXX and the debit card associated with my account ending in XXXX. 

On or around XX/XX/XXXX, well before my first payment was due, I telephoned Advance Financial and revoked the EFT authorization. As such, Advance Financial did not initiate any EFT debits from my account. 

On XX/XX/XXXX, Advance Financial debited my XXXX reloadable debit card without authorization. The company sent me an EFT authorization form allegedly signed by me. 

1. It is clear that after 15 months of never conducting an EFT transaction, that Advance Financial was well aware that I had revoked such authorization.

2. Advance Financial illegally obtained my XXXX debit card information and added that to the EFT authorization form. 

3. Advance Financial is not licensed to conduct consumer financial loans in Virginia. 

I never gave AF authorization to debit my XXXX Debit Card for three separate amounts and would like to be reimbursed immediately.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX Best Buy closed my credit card account. I never missed a payment and my bill was paid in full. 
XX/XX/XXXX XXXX XXXX closed my account after reducing my credit limit a few months prior. I never missed a payment and my account balanced was paid in full.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (GA)

I have repeatedly requested negative/incorrect information from XXXX XXXX from my credit report with Transunion and XXXX. on XX/XX/year>, XX/XX/year>, XX/XX/year>. Via dispute letter along with my XXXX XXXX Police report, and my Federal Trade Commission 's Identity Theft report. I have been told that THEY ARE NOT removing the item from my report because they " Transunion '' does not remove items from My report. I spoke to an agent who gave me their name as XXXX XXXX. This item has been reported on my credit profile for 7 years, in which i requested it to be removed in accordance with FCRA. This account has been sold to XXXX XXXX XXXX XXXX and is incorrect. However also the account shows late payments reflecting the dates of XXXX XXXX, when the federal government forgave consumers for late payments on credit profiles due to covid, and consumers not being allowed to work. I have tried rigorously to work with the credit bureau and have not received respect nor help.
Consumer complaint received 2020-01-16
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)

This complaint is regarding XXXX, XXXX, AND XXXX 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my Equifax credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the EQUIFAX BUREAU REPORT. 
IN XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to Equifax, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XX/XX/XXXX.. 
XXXX XXXX ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS. 
50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS  POSSIBLE PUNITIVE AWARD, should XXXX XXXX and I meet in court. 
Equifax regardless of the position of XXXX XXXX.has the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.