davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (NC)

In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX I have submitted a complaint with the XXXX. I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XXXX  Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons. 
Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc. 
Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XXXX, the default order in XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. Equifax has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.
Consumer complaint received 2022-05-23
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: I.C. System, Inc. (NY)

I have a unpaid XXXX account that closed XX/XX/XXXX. Credit report renewed account as of XX/XX/XXXX and dropped my credit score down all the while renewing the 7 year countdown. I contacted XXXX who contacted the collection agency and asked them to change the account dates on my credit report to the correct date of XX/XX/XXXX. XXXX sent me a letter showing my account closed on XX/XX/XXXX. Nothing was fixed. I contacted ic systems and asked them to fix the date they refused stating they are allowed to renew the date.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (NC)

In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX  I have submitted a complaint with the XXXX  I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (TX)

My car was totaled XX/XX/2021 and Im a single mother of XXXX and had to buy another vehicle so I had 2 car payments I reached out to the CEO and multiple persons at BMW financial and they would not work with me. I have now sent in additional letters asking to settle for 1000 Thats all I can afford.

Please help me No one at BMW is willing to help Me I have been paying 100 a month
Consumer complaint received 2024-02-13
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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
Consumer complaint received 2023-02-06
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Municipal Collections of America Inc. (IL)

On XXXX/XXXX/16, I received a call from a debt collector from a company called Municipal collections of America, I think. He called me to tell me that they were going to suspend my driver 's license for unpaid tickets. He said that we can file our XXXX ticket to the State of Illinois and suspend your drivers license. I informed the man that there are no tickets on my credit report. He said that we saw your disputes come thru from the major credit bureaus and we did n't dispute them. So I informed him that since you did n't validate the amounts or validate that I owed for those tickets, why are you trying to suspend my license? He said that he did n't want to hear anything other than if I was going to pay XXXX dollars. Then he could stop the process of suspending my license. I tried to ask the man why would you not validate the amounts and the accounts? He said that there is no time for all that, Am I going to pay the XXXX dollars? or do I want my license suspended? I said I am going to call XXXX to find out what is going on. He said, Im going to go forward with suspend your license. He hung up the phone.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (UT)

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to FNB Omaha resulting in a fraudulent credit inquiry on my XXXX credit report from FNB Omaha. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both FNB Omaha and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. FNB Omahas phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent FNB Omaha inquiry removed from my XXXX credit report. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by FNB Omahas refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with FNB Omaha.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am actively monitoring my credit, and a {$3200.00} collection showed up on my credit report. I began looking up the company to find out what kind of company it was and how this could have possibly happened. when I called the number, the last I spoke with told me that it was from an apartment I had leased. here is the story about apartment first. I signed the lease with a move in date of XXXX I already had a lease at that time an was planning on leaving my ex. I had went to view the apt and put in application with {$200.00} deposit for a move in special. my ex ended up moving out of the apt we were currently in and I stayed in my original apt . I called XXXX XXXX XXXX to inform them that I would not be taking apt and to get my {$200.00} back. The lady told me I could not get my {$200.00} back because I choose not to get the apartment.i have all my documents from XXXX at XXXX XXXX to show I had lease before and finished it after this apartment is saying I lived there. I explained this to the lady on the phone at collection agency and asked her why I never heard about non of this before it hit my credit 2 2 years later and she told me I had to take that up with apartments.i called the apartments and of course it was all new staff that informed me that they didn't know anything about this but the last staff was fired for some shady dealing. I have had the same number for 5 years and the same email for 7 years I was at my last apartment for 17 month lease duration, and at my current apt for 15 months. there is no reason that all of this happened and not one notice, phone call, email nothing. I am working on dealing with the criminal side of finding out the lady that leased the apartment to me after I had told her I didn't want the apartment. This collection agency not only won't take this off my report but have now hit my credit report every month with interest dropping my score every month. please help me get them to stop I have tried everything.
Consumer complaint received 2022-07-07
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: CL Holdings LLC (FL)

n accordance with the Fair Credit Reporting act Jefferson Capital Syst collection Account, 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 2015-07-20
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AR Audit Services, Inc (ND)

I got served papers through certified mail. Im not sure how everything works so i was waiting for my day in court to explain my situation to the judge. then i received this judgement in the mail only 30 days after i learned that i had been turned into collections. I was paying the agreed upon amount monthly to the clinic and they decided to turn me in anyway. Please help with this issue. Thanks
Consumer complaint received 2023-02-06
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)

EXPERIAN is reporting that Late payments on account XXXX XXXX account number : XXXX on my personal credit report. I was never late on this account. Experian can not provide proof of these negative marks. I demand they update this account to paid on time/ never late, as it should be. And mail to me a Correct credit report.
Consumer complaint received 2023-02-06
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-05-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AZ)

I WANT TO COMPLAINT FOR THE CHANGE OF PRICE APPRAISALS AFTER PAYING THE CHARGE ONLINE Hello XXXX XXXX XXXX, Good News! An appraisal has been requested for your mortgage. Please make a payment below so as not to delay the property inspection. 

Property Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Amount Due : {$170.00} MAKE A PAYMENT Once payment has been received, a time will be scheduled for the appraiser to inspect the property located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
If you have questions about the appraisal service ordered for this request, please contact your loan officer. If you have technical problems making a payment, please visit the FAQ page hosted by XXXX | XXXX, our payment partner. You may also contact them at XXXX or XXXX. 
If the payment button above does not work, please click or copy and paste this link into your web browser XXXX XXXX XXXX XXXX Note : For security reasons, this link will remain active for three ( 3 ) days or three ( 3 ) access attempts. If you have not paid after three days, then clicking on the link will generate a new payment request email. 

A New Message has arrived for the following order. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan Number : XXXX Loan Purpose : Refinance - Cash Out Service Type : XXXX Update Doc ID : XXXX Appraisal Coordinator : XXXX XXXX XXXX Coordinator Email : XXXX Service Provider Due Date : XX/XX/2022 XXXX PT Subject : Critical Message : Critical message from XXXX : Loan # XXXX Hello, The original appraiser has advised that their fee for an XXXX  XXXX is {$270.00} XXXX Please approve the additional {$100.00} fee to proceed. They would like to accept and have advised they can complete this report no later than XXXX pending access. Thank you PLEASE NOTE : This is an automatically generated email. Please do not reply.
Consumer complaint received 2015-08-10
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am filing a complaint against Bank of America credit card which I used to pay for services to XXXX SEWER SERVICES. The vendor provided inadequate service, and despite repeated calls to the vendor I could not get help with the work they did in my bathroom. On XXXX, the said vendor, XXXX, worked on my toilet flush the was not working, but the problem was not corrected. XXXX sent over a unqualified person to work on my toilet. He could not fix the problem and had to call in support to help him replace a simple flush valve. Not only did this operation take two hours, but the problem was not solved, now the toilet began to leak. I called XXXX several times but I was not helped. I therefore had to get an estimate from another vendor, XXXX, who not only fixed my problem, but I paid almost a XXXX of the cost XXXX charged me. When I reported the problem to Bank of America, they wanted me to produce evidence of the defect. I sent hem a copy of the estimate given to me by XXXX XXXX, but Bank Of America did not help. I am writing to have my credit charges reversed. 
Thank you.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX  Account # XXXX : Invalid Date of last activity Transunion shows XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number Transunion is showing XXXX and XXXX is showing XXXX Also, the date last active is invalid. Transunion shows XX/XX/XXXX while XXXX shows XX/XX/XXXX. DELETE this account.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : 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 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Total Card, Inc. (CA)

I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!