davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (NJ)

Ive been going back and forth with XXXX XXXXXXXX XXXX  XXXX, Equifax information services llc XXXX and XXXX XXXX XXXX XXXX since XXXX or XXXX of this year upon looking at my credit report, I tried to explain to them that I am the victim of identity theft and I disputed them two, three maybe four times a week for them to keep coming back telling me the information was verified, XXXX XXXX I sent a copy of my license, informing them that I do not live at that place but to no avail they still sent me the same information back as if it was a robot repeating the process, ive sent you the fair laws in a complaints on all three already im tired of fighting alone I need for all three credit bureaus who violated my privacy to remove all inaccurate information off my credit report Im trying to move and they have my credit report looking like shredded wheat and I dont have that much credit, its not fair to me to keep looking at my credit report seeing closed accounts that were paid for and one account that wasnt mine. Im asking for your help to get those inaccurate reports off of my credit report so I can move on.all three credits bureaus keep sending information to put and keep me in debt but wont help with the real issues..
Consumer complaint received 2023-08-11
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)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-11
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. (MD)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (KS)

I am not completely certain of the amounts but I known it was less than {$2000.00} taken out in XXXX. I had been sick with c-diff and had to have a fecal transplant. I did not qualify for short term XXXX so I received no compensation for my time contagious and very ill. I was XXXX XXXX XXXX  and XXXX XXXX. I needed help getting back on my feet. I was very timely with payment and offered a larger credit line. Shortly after this time I fell even more XXXX XXXX. Ive been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As you can imagine I not only struggle most days to function on a basic level let alone the ability to hold a job. My car was repossessed on XX/XX/XXXX. They are claiming I owe {$10000.00} to regain possession of my car when the car itself holds a XXXX value of {$1000.00}. I spoke with the company in XXXX and they explained due to the pandemic they were forgiving my loan. I put this in the back of my mind as I was barely functioning in daily life. Ive been trying to regain my life and independence back after several XXXX XXXX XXXX that triggered these XXXX XXXX in the first place. I have struggled and remained as optimistic as possible but this situation stands to ruin my life. It is my belief that this company takes advantage of individuals in extenuating situations beyond the borrowers control with the expectation to gain extreme financial wealth at the expense of individuals who are so to say down on their luck, scared, sick, and not completely aware or competent enough to understand the risks associated and the financial ruin they impose. 

*The company that holds the title to my car and has repossessed it, holding it at a rate of 9 times greater than the value of the car in question after stating they were forgiving the loan due to a worldwide epidemic and current economic crisis : Loan Max XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-27
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: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX is using predatory tactics and fraudulently reporting the same account multiple times to the same reporting agency. My report was tagged 4 time for the same collection account by this firm on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Subject : Notice of Dispute - KOHLS/CAPONE XXXX To Whom It XXXX Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account KOHLS/CAPONE XXXX XXXX my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account KOHLS/CAPONE XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account KOHLS/CAPONE XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account KOHLS/CAPONE XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Consumer complaint received 2023-07-28
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)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-22
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. (NJ)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX # XXXX - {$130.00} XXXX XXXX # XXXX - {$79.00} XXXX XXXX XXXX # XXXX - {$290.00} XXXX XXXX XXXX # XXXX - {$790.00} XXXX XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX - {$370.00} XXXX XXXX - {$290.00} XXXX XXXX - {$50.00} XXXX XXXX - {$79.00} In accordance with the Fair Credit Reporting act XXXX  these accounts have 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 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 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2024-04-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I received a {$300.00} American Express gift card as a rebate from XXXX XXXX. I attempted to use the card at XXXX  and at XXXX all transactions were declined. When I called AMEX they let me know I should add the card to my XXXX XXXX  for ease of use, and that they would make an adjustment to allow it to load onto XXXX XXXX  This did not work. I called back in hopes of getting to the bottom of the issue ( card being declined ) and the CSR let me know that I should spend the card at a different merchant or try to use it in person, and that AMEX was protecting my account by declining the attempts to use the card. After some research I see that many consumers have had the same problem and that these cards are, in fact, not accepted anywhere AMEX is accepted.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-09
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. (FL)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite acknowledging and removing the fraudulent account by XXXX, XXXX, and XXXX, TransUnion has not taken action in my year-long dispute. I urge them to promptly correct this mistake and remove this account, as it's causing substantial harm to my credit and financial well-being.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my dissatisfaction with the inaccurate reporting of the following accounts on my credit report. I expect prompt action to hold the banks accountable for their commitment to remove these accounts after a thorough review. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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)

The Credit Reporting Agencies never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

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

I did not give anyone or Credit Reporting Agency written instructions.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX ( Original creditor ) XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$770.00}.
Consumer complaint received 2017-05-16
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)

Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX
Consumer complaint received 2024-02-01
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. (IA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (OH)

I signed up for  XXXX   XXXX  at the end  of 2015. A fter falling into financial hard times, I tried to work with them to end my contract. I was later sent messages from an employee named  XXXX  who said he got someone to take over my contract. I never heard anything else from them. Now I am receiving collection bills saying I owe over {$1300.00}. I was given false information from the company and now they are trying to collect.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX   XXXX     XXXX   XXXX   Customer Relations  XXXX   XXXX   XXXX   XXXX , Ga  XXXX  --  XXXX  DA :  XXXX   XXXX ,  XXXX   RE :  Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid During Time of Loan (  XXXX   XXXX ,  XXXX  to  XXXX ,  XXXX  ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . According to my records Ive paid a total of {$34000.00} during my loan with you. How much interest was paid toward my mortgage loan during that time.   XXXX   XXXX   XXXX   purchased the loan from y ou (   XXXX   XXXX   ) I must inform you that my name could  have been listed as  XXXX   XXXX .  XXXX  when transferred..     Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to  XXXX    XXXX    XXXX , if everything was transferred to them at the end of the mortgage loan with  XXXX   XXXX   XXXX   XXXX   XXXX .     My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan.   Provide documentation of the year when mortgage loan should be paid in full according to your records.
Consumer complaint received 2023-02-23
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. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX OF XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.