davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (LA)

I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with   XXXX   XXXX   also the car was given back to the people without a hassle and all of a sudden these people Deville Mgmt for  XXXX  which they said it was open on   XXXX   XXXX  , 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely  XXXX  So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely   XXXX   XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm uncertain about the reasons for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2017-12-30
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: Santander Consumer USA Holdings Inc. (FL)

To whom it may concern ; I have a voluntary repo on my credit report. I have hired XXXX XXXX XXXX to fix my credit and try to get this off my credit report, but I have n't been able to do so..The company that keeps reporting is Santander Consumer USA. I feel as if the information they are reporting is incorrect and this is hurting my credit very badly! And my ability to finance anything. From my understanding the account started in XXXX but that is n't true. I bought this XXXX XXXX XXXX sometime in XXXX just before my son was born which was in XX/XX/XXXX. They keep reporting this on my credit and I know the statue of limitations has been passed a long time ago. I would like someone to do an investigation into this and all information about this account to be shown to me or the company I have hired to fix my credit, so that it can be verified by me.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid for credit card my minimum payment in time. XXXX XXXX, 2017 I received a letter from Capital One Bank, they are closing this account, because of usage and violations of the Capital One Customer Agreement.
I called to them and I spoke with representative, but he/she put me chine-line to talk numbers of unresponsable workers on phone, ask me verifications nothing more or less. I ask to explain what exactly I did wrong to violated they our agreement. Can you sent me to study.
I sent them a promissory note, and XXXX ( XXXX XXXX XXXX ) to discharge my debt.
This remedy government provide for us to use for our protection and it is absolutely lawful.
I processed a payment from Straw man account on my name XXXX XXXX XXXX, with my SSN XXXX. This payment was reversed. The Bank don, t have the right to restrict my right to use any account on under.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/XXXX to remove the listed inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX and I am including them againXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX ; UXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 2022-05-26
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: Experian Information Solutions Inc. (GA)

15 usc 1681 ( A ) 2 ( a ) ( 1 ) clearly states 2 ) 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 ; Allowing transactions and experiences between XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX and my self, the consumer to be be furnished on MY CONSUMER REPORT is a directly violation of what the law states should be excluded from my consumer report. This continuous violation by your company is keeping my consumer report from being equitable to me.
Consumer complaint received 2022-05-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I disputed these accounts because I deemed them questionable and inaccurate. In these letters I requested Experian to validate these items they are reporting on my credit file. 

report numbers are as followed:XXXX XXXX Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating that the account has been updated or the item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers 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. 


This is my second complaint that I am filing against Experian. I do not believe they have followed regulations in properly verifying information on my report to be true. Every time I would ask for a re-investigation, Experian sends me a email and says that the dispute has been opened, and it seems like each time the investigation gets shorter and they end the investigation I spoke with a agent at Experian via telephone today. She stated that Experian 's only job in the dispute process is to send consumers disputes to the creditors and have them verify the information to be accurate. Well, my question to Experian is how are you validating these disputed accounts? Are you taking the creditors word for it or are you actually doing your job by properly reviewing actual evidence that shows a consumer is legally obligated to that debt ( original contract bearing a signature ) I literally have 20 hard inquiries on my report from companies I have no knowledge of ever authorizing them to access my report. Which is a FCRA Violation under section 15 USC 1681b I disputed those items with Experian and all have come back " verified ''. 

Since then I have written validation letters to every creditor that I disputed with Experian and requested them to provide me with a contract bearing my signature authorizing their company to access my report ; or to show that I am legally obligated to pay on the debt in question.
Consumer complaint received 2022-05-26
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. (NJ)

I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2017-07-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. XXXX XXXX is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with Speedy Cash have received the bank statement months ago and refuse to make knowledge of such. XXXX XXXX provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
Consumer complaint received 2022-05-05
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: CLGF Holdco 1, LLC (MA)

In accordance With fair Credit Reporting act, XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Section 602 A States I have the right to privacy.

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

Section 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 adverse item 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 cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-27
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX XXXX  XXXX  ACCOUNT XXXX, XXXX, XXXX, XXXX, XXXX. Thank you
Consumer complaint received 2022-05-26
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. (NJ)

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NC)

On XX/XX/2019, I received a promotion from Discover titled 'earn 10 % Cashback Bonus with XXXX XXXX XXXX ' from now to XX/XX/XXXX. The term said use the XXXX XXXX XXXX between XX/XX/XXXX TO XX/XX/XXXX and received 10 % cash back bonus within 10 weeks of the promotion end date. I made the purchase on XX/XX/XXXX of amount {$85.00}, I should get {$8.00} in my cashback reward account. It's been more than 10 weeks and I still did not see any promised 10 % cashback on my account. I contacted them in XXXX and the do not have a straightforward resonse. They just say you will see that within 10 weeks but I can not see that now.
Consumer complaint received 2017-07-11
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Commercial Services, Inc (LA)

Went to rent a car from XXXX XXXX XXXX in XXXX. Was informed that XXXX and XXXX are the same company and I was on XXXX do not rent list. I was told to contact the do not rent department of XXXX ; I did. They referred me to a collection company in California XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I called an spoke to XXXX at the company. I asked for a copy of the bill, signed contract and orginally inovice. I was told those were not available. I stated that on XX/XX/XXXX that the CSR could see the contract on her computer screen. He stated that the contract # XXXX had been recycled and not available.
However, 2 hours AFTER speaking with both XXXX  XXXX Department AND NCS, I was emailed an invoice with a XXXX  balance.
The rental was from XX/XX/XXXX to XX/XX/XXXX. The insurance company paid {$630.00}. Apparently there was a balance of {$85.00} ; i did NOT know there was a balance nor had I EVER received anything about this.
I sent this to XXXX XXXX department who stated that I have to contact NCS. But when I contact NCS, I am told to speak with XXXX  and he stated that I owed nothing, XXXX is a private company and they can decide who they rent to, that I needed to find another rental car company and he went on to state he would make sure that XXXX was not ever going to rent to me again AND then hung up.
It seems that XXXX with NCS is on some sort of power trip as he refuses to provide ANY information about the supposed debt and the information XXXX  has provided shows a XXXX balance.
It is clear that it was an overcharged by XXXX and since XXXX only makes his money on what he collects he is not going to release the account in order to punish me as by his ( XXXX w/ NCS ) own admission know this is not a valid charge.
Thi account needs to be settle as paid as by XXXX own admission there is a XXXX balance.
Consumer complaint received 2023-05-23
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: BMO Bank, N.A. (KY)

on XX/XX/2021 my credit report was released to 3 different companies without my written consent and are reporting as a hard inquiry on my credit report. 
companies include : Bank of the West XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Consumer complaint received 2022-05-26
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. (TX)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NV)

In XXXX I was in a serious car accident, I had a XXXX XXXX that required me to be put in a XXXX. My american express account was being paid by my father, but due to XXXX payments being late a few times the account was paid late. A collection Specialist from American Express was assigned to the account, he spoke to my father and was told of my situation, however this man harassed my father, called my employer over and over again demanding them to have me call, he called my elderly father-in-law at his rest home and made him cry, he called friends of mine, he was told over and over that I was in a XXXX in the hospital and could not come to the phone. this collections specialist then closed the account that had been open since XXXX. Originally it was my fathers account and when I was in College he added me to the account for emergencies, somehow years ago I was made the principal. Now because of this when my father tried to pay the account off this collections specialist would not allow him to do so, stating he had to speak to me directly even though I was unavailable in the hospital in a XXXX. I have now paid for 3 extra months of interest due to this collections specialist not allowing the pay-off by my father. Every call you place to American Express is routed to this man, you can not speak to a supervisor or anyone else once you give the account number they just transfer you to him. He is abusive, he berates me for not calling him back, for avoiding his calls all this time, he is the party that closed the account and his unkind failure to understand the medical situation I was in is reprehensible. American express has allowed this man to operate outside the boundaries of normal collection practice, he has provided to outside parties that my account is in collection and past due, harassed my work, family, friends all outside the boundries of the law. Now today I tried to call myself, even though I am unable to really speak great, I forget words, it takes me time to explain myself, I must think before every word, but all I got was this mans abuse. He called me back for over an hour every couple of minutes and hung up on me, he pretended to be someone else, when I asked his name over a few times he finally said his name and hung up. I need to pay this account off but can not get anyone to help.