davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted.
Consumer complaint received 2022-12-24
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)

I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BANK OF AMERICA has an amount of {$440.00} ( which they state is " accurate '' on my consumer report but sent a 1099 for XXXX $ which I have no idea what it is for. I have sent a notarized letter, yet no response has been attempted. BANK OF AMERICA has not asked for my permission to place anything on my consumer report and I am aware I am not only to give permission but receive notice of them asking for permission as well as given the option to opt out. 

As a charge off, it becomes income ( certificate of indebtness ) in which a XXXX to file on taxes and is not suppose to be on my consumer report as income.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The company is a scam. You put XXXX down and it doesnt reflect monthly pay or nothing. Car didnt work the first week. Didnt start up nothing. If you check there reviews, every customer is unhappy. This is fraud, and need to be further investigated. I need this off my credit report.
Consumer complaint received 2020-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (OK)

On XX/XX/2019, I took out 2 payday loans, one from Bright Lending and one from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 674.96 % APR and 674. 99 % APR for each respectively. Also, these two different companies are both located on the same reservation XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX, so I'm pretty sure this is a scam for tribal payday loans. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. 

Thanks for your help
Consumer complaint received 2022-12-24
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. (MD)

I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS
Consumer complaint received 2022-12-24
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. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 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 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC (TX)

XXXX shows a balance of {$7400.00} ( Account opened XXXXXXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good morning, I have a complaint against Capital One credit card department. In XX/XX/2023 I was issued a business credit card by Capital One, but I was never given online access to my account to be able to see my balance, purchases, add an accountantetc. I have contacted their customer service department over 7+ times, went through the same steps to fix this technical issue online then told to wait for 5-7 business days for them to resolve this issue but in the end, nothing happens, and I must call again, thus wasting countless hours with them on the phone to no avail. As a result of this, I will probably end up losing the introductory offer on my credit card for not using it. This is a decision I made because Im unable to view my transactions if I used the card or know my balance.

I was never given a case number, and no one from capital one ever bothered to follow up on this issue. Ive been a customer with them for a few years now and Im appalled by the degree of negligence they have shown towards me. All Im asking for is online access to my account to be able to run my business
Consumer complaint received 2023-05-08
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2022-12-24
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. (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 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LEXISNEXIS (GA)

Notice of Intent Lexis Nexis a XXXX XXXX XXXX XXXX XXXX, obtain consumers personal information resells and furnishes information to consumer reporting agencies. In my case, they have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. 

I was an uninformed consumer during this Transaction. 
You obtained my personal information, then sold my personal information to the XXXX XXXX XXXX. 

You are in violation of the FCRA law and Defaming my character. 
The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Consumer complaint received 2022-12-24
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. (GA)

This is my fourth 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-24
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. (CA)

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} - 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (PA)

For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I consumer, XXXX XXXX, entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2022. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. The finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance seperately.
Consumer complaint received 2020-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I disputed the following accounts with Equifax : XXXX XXXX XXXX # XXXX XXXX Collection # XXXX XXXX Appliances # XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX It has over 45 days and I still have not received any updates regarding an investigation. My credit report doesn't reflect and investigation being conducted and I never received any results in the mail. I decided to do my own research and apparently Equifax is in violation by not doing any of the things I am complaining about.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I called my loan servicer several times last year attempting to set my account on automatic payments. I was told I was ok. 1 month later I noticed a late payment on my credit report. I have been fighting with them for 1 year to have this removed. This is absolutely ridiculous and negligent on there behalf. I have written a letter to the Governor of California. I will not let this go. This is absolutely unacceptable. I am currently looking to buy my second home and the this 1 late payment is causing serious confusion and concerns. Please help
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/2020, XXXX XXXX XXXX advertised to help individuals to help consolidate their debt into XXXX payment. Of course, l got interested and opted to have my accounts consolidated. Paper work was signed and the program began. Since XX/XX/2020, l began payment thinking they will make payment on my behalf. It did not happen so. Whiles l was paying, they were not paying my creditors leading my accounts to go into DELINQUENCIES. I talked to them and they told me it was done intentional so the creditors would no that l can not pay so they negotiate on my behalf. For six months creditors were on my neck with calls and emails. After six months when my accounts were in delinquency, before they began payment. For all these while, l was paying the said amount they asked me to pay monthly and did not miss a single payment. Before joining XXXX XXXX XXXX, l was on top of my payment, just that l wanted to have them in one place hence the reason to join them.
Consumer complaint received 2022-12-24
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. (CT)

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX