davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (UT)

XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PayActiv, Inc. (NV)

I notified my debit card name of Payactiv account services of an unauthorized transaction while they were still pending the same day that I noticed it had charged to my account. They proceeded to open a dispute and issue a new card. Sometimes passes in and they request evidence and I sent them my full XXXX XXXX transaction history as it was an XXXX XXXX transaction therefore transactions that I would have made would appear on it. However they decline and said that I would need to provide new forms of documentation, and I continue to do so as I provided more insight on all my transactions. They have not been very transparent nor understanding and helping me with an unauthorized transaction. I have been very persistent in trying to work things out with this debit card company the Payactiv once again. However, I feel like I am being out of my funds as they do not provide any insight or evidence on their behalf.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX bureaus to remove items 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/XXXX I paid off my vehicle, in full, and submitted a odometer disclosure statement, as required by Honda Financial Services. 

Honda Financial Services mailed me a letter dated XX/XX/XXXX and detailed my address and Vehicle Identification Number ( VIN ). The envelope contained 2 pages. A portion of the XXXX page of the letter stated the following : " ... Please fill in the odometer reading disclosure on the enclosed Odometer Disclosure Statement and mail it to the address shown below, Attention, Title Department or fax it to XXXX to XXXX back in enclosed envelope. '' XXXX search results indicted the number XXXX was for XXXX, the email XXXX was for XXXX XXXX XXXX XXXX XXXX the number XXXX was for contactcustomerservicenow.com, and the closing of the letter stated, " Sincerely, XXXX XXXX Honda Financial Services XXXX XXXX, '' which also came back to customerservicenow.com in XXXX XXXX results. The second page of the letter was entitled the Odometer Disclosure Statement. I did not communicate with " XXXX, '' nor XXXX, XXXX XXXX XXXX XXXX XXXX or contactcustomerservicenow.com and do not know how these companies and their various locations possessed my full address and VIN number. The letter did not appear authentic as it contained conflicting information. 

On XX/XX/XXXX I called Honda Financial Services and spoke to Representative XXXX, who informed me there was a XXXX period and the Title would be sent to my mailing address on or about XX/XX/XXXX. To date, I have not received the XXXXa Title for my payment made in full from XX/XX/XXXX. 

On XX/XX/XXXX, I called Honda Financial Services again and was placed on a long hold. A Representative named XXXX answered my call and claimed Honda Financial Services did not receive my Odometer Disclosure Statement. XXXX informed that the XXXX Title was sent to the XXXX XXXX XXXX XXXX  back in XX/XX/XXXX. I informed her that I have since paid of my vehicle back in XX/XX/XXXX, and needed my Honda Title mailed to my address, as promised by Honda Financial Services. XXXX claimed I needed to resubmit the Odometer Disclosure Statement. I requested for XXXX to send me an official Honda Financial Services email detailing her request for another copy of the Odometer Disclosure Statement that I previously submitted in XX/XX/XXXX. XXXX emailed me an encrypted message, to which I responded with another copy of the Odometer Disclosure Statement as well as the original email to Honda Financial Services Title Department. XXXX did not provide me with my Honda Title delivery date. As a direct result, I was forced to register my vehicle as a leased vehicle at the XXXX XXXX XXXX XXXX. 

The delays in processing my Honda Title caused me to drive a vehicle in violation of state laws. 

To date, I await the vehicle title for the vehicle I paid off over 1 month ago.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I conference called my creditor XXXX XXXX  with XXXX from XXXX fraud resolution about my credit cards being closed due to my new address. We were told equifax had sent letters notifying to them that my current address is fraudulent and to close my account. It is not fraudulent, I moved from NY to GA last year. Last month I verified my new address over the phone to equifax using my GA state ID and a utility bill, but when I called equifax XX/XX/XXXX and spoke to a XXXX, I had to verify my identity and update my address again. Listen, people move everyday, I didnt know I was required to notify the bureaus that I was moving. All I did was update my address with my creditors. Due to this hassle I have lost 4 credit cards ; XXXX, XXXX, XXXX  XXXX secured, and XXXX XXXX secured. Now I see I have a fraud alert and freeze for PROMOTION PURPOSES!!! What does that mean?!!! When I asked XXXX he was acting like he didnt know what I was talking about and then I asked to speak to a supervisor, HE HUNG UP ON ME! I removed the fraud alerts early this year XXXX. I am trying to start a business and buy a house. Someone better fix this immediately or I will be pursing legal action. This isnt right at all!
Consumer complaint received 2022-03-17
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. (VA)

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 XXXX data breach. 

XXXX. XXXX XXXXXXXX XXXX ActXXXX # XXXX
Consumer complaint received 2024-03-12
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. (AR)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX  Opened XXXX XXXX, XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (NV)

On XX/XX/XXXX I was advised by this company that the debt would be deleted from my credit if it was paid but shorty after returning the call, a different agent informed me that this wasn't true. I advised the agent to stop calling me because of how rude he was when speaking to me. 

On XX/XX/XXXX I receive another phone call from a rep name XXXX, I informed her to stop calling me and once again she hangs up the phone in a rudely manner. I called the company back and advised them that I was recording the call and that they needed to cease from calling my phone.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC (GA)

I received a demand letter from Cooling & Winter XXXX XXXX XXXX  XXXX on XX/XX/2022. Cooling & Winter XXXX XXXX XXXX XXXX are debt collectors demanding to collect a debt on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. I have not received any goods or services from Cooling & Winter XXXX XXXX XXXX XXXX and I do not know how they received my private personal information. Cooling & Winter XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX 
I am not a party to any agreements that Cooling & Winter XXXX XXXX XXXX XXXX may or may not have with XXXX XXXX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 
Cooling & Winter XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Cooling & Winter XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX ( XXXX ) XXXX  are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2022-03-17
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. (TX)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TO BOTH XXXX AND TRANSUNION I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH XXXX AND TRANSUNION SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both XXXX AND TRANSUNION XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - TRANSUNION DISCHARGED XXXX BANKRUPTCY - XXXX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you.

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING XXXX & TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CCS Financial Services, Inc. (CA)

I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.
Consumer complaint received 2022-01-31
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: NAVY FEDERAL CREDIT UNION (TX)

I contacted Navy Federal Credit Union on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with XXXX my score was nearly XXXX & my XXXX score is almost XXXX. On today, Navy Federal reported negative & inaccurate information which dropped my XXXX score nearly XXXX points, I was told by them to contact XXXX & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in 2020. Navy is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (PA)

I purchased a phone and ipad from XXXX XXXX. Both devices were returned, and the services were never activated. XXXX XXXX automatically started charging for phone and data services, even though the services had not been activated and the phone/XXXX  were returned without even being opened. 

Issues- XXXX XXXX Financial Department is always closed, despite messaging, and they don't answer the phone. I spent hours trying to resolve this issue over chat on two occasions and then by phone on a third try. This process takes hours and was almost impossible to resolve, despite my efforts. - XXXX XXXX automatically created phone accounts and started charging for services that were never activated, simply for purchasing hardware products from their website. When the hardware is returned ( unused ), XXXX leaves the phone/account open and starts billing for phone/data plans without activating the services! They even send notices that the phone number needs to be activated, and they are billing at the same time! 

They also tried to force me to create an online account ( and accept terms to entrap me ), - just to " work with me '' to resolve the issue. Completely inappropriate! I did not want an account and the devices were returned within the 30-day required period, unused. 

Eventually, XXXX credited the account that was NEVER ACTIVATED, but not before sending it to a creditor for collection! Outrageous and completely corrupt business practices. They should not be sending bills and charging for services never used or activated and the related hardware products already returned!
Consumer complaint received 2024-03-13
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)

EVEN THOUGH EQUIFAX HAVE BEEN SUPPILED WITH IDENTITY THEFT PAPERWORK ACCOUNT XXXX XXXX XXXX THEY CONTINUE TO FURNISH THIS ACCOUNT! ALONG WITH TWO OTHER ACCOUNTS THATS REPORTING INACCURATE! XXXX XXXX XXXX REPORTING DEROGATORY WHEN ACCOUNT WAS PAID AND IT STATES PAID CHARGE OFF, PAYMENT HISTORY STATES LAST PAYMENT DATE BUT EQUIFAX REPORTS STATES PAYMENTS OK. XXXX XXXX  XXXX LOOK AGAIN AT LAST PAYMENT THEY LOOK AT PAYMENT HISTORY! DIRECT VIOLATION OF FCRA SECTION 602, ( 15 U.S.C.1681 ), ( 15 U.S.C. 1681 C-1 ), ( 15 U.S.C. 1681e ) ( 1681G-2 ) SECTION 623 ( a ) ( 2 ) ( a ) SECTION 623 ( A ) ( 1 ) ( C ) This is a direct violation of my rights And I'm fully prepared for litigation on this XXXX XXXX MATTER PRE ARBITRATION WILL BE IN THE MAIL FCRA 1681 G-2 CLEARLY STATES THE RULE THEY HAVE CONTNUED TO HARM MY REPUTATION, CREDIT WORTHINESS, BEEN FIGHTING XXXX YEARS ENOUGHT
Consumer complaint received 2022-03-17
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: CMRE Financial Services, Inc. (CA)

Im adding to my existing complaint I dont agree with the response given. My intialso complaint was I wanted the accounts removed due to me having medical insurance when the accounts was sent to collections. I uploaded a description of my initial complaint. Their response was they called the hospital and validated what I owed. That was NOT my complaint. Again I want the accounts removed duebto me having medical insurance. And proof there of that I didn't have insurance.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (VA)

I recently received a Citibank credit card in the mail that I never applied for. Today I received a notification via personal email that I had a current balance on this card of {$7400.00}. I NEVER APPLIED FOR THIS CREDIT CARD, NOR WAS THE CARD I RECEIVED IN THE MAIL EVER ACTIVATED.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

I have been trying to pay this debt that I owe and I have not been able to contact anyone regarding this issue. I have called every phone number listed and there is always a machine that answers that nobody is available to take my call and disconnects me. I have tried chatting with a live representative and they just gave me another phone number that did the same thing I mentioned above. I sent letters and got no response or phone calls. I sent letters to the credit bureaus.. I just want to pay my balance! This is stopping me from getting a promotion and I am so frustrated that I ca n't find a way to make my payment! The lack of customer service is ridiculous!
Consumer complaint received 2022-03-17
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record