davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

On or about XX/XX/2022 my credit report disappeared from equifax file system. When i try to update a 3 bureau report with XXXX  it will mot update because it stated I had no credit report on file with equifax. I checked the equifax website and my credit file does mot appear when i log in but gave me a code and to contact the agency. I did and gave them the code but nothing has been done. I am still receiving the notice that my credit report does not exist.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 HSBC BANK USA NA, XXXX XXXX  XXXX XXXX, NEW YORK, NY XXXX
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I attempted to use my Southwest Rapid Rewards VISA card and was told that it had been blocked by Chase Bank due to fraudulent activity. I called in at that time and identified all of the questionable charges as legitimate, as I was in the process of moving and one of the charges was for the moving company and the other was for a lunch I had taken a fellow who had helped me pack. I explained to the agent at that time that I was in the process of moving and the block on my account was lifted. This morning ( XX/XX/XXXX ) I attempted to purchase office supplies from XXXX XXXX, a company that I regularly do business with and had ordered supplies that I usually include with an online order. I received an e-mail this morning from XXXX XXXX after I had completed the transaction online that the transaction was declined and shortly thereafter received an e-mail from Southwest Rapid Rewards Visa ( Chase Bank ) that two transactions had been blocked ; the transaction with XXXX XXXX and a transaction with XXXX XXXX XXXX for the rental of a unit I have with them. I have leased this space for three years and each month on the XX/XX/XXXX or XX/XX/XXXX of the month XXXX XXXX XXXX places a charge for the monthly rent. I later called Southwest Rapid Rewards VISA ( Chase Bank ) and verified that both of these charges were legitimate. I was told that the block on my card had again been lifted. I then questioned why a ) a charge that was recurrent every month had been blocked ( and clearly was legitimate ) and b ) why a charge to a merchant that I regularly do business with for items that I regularly purchase online was blocked. I then got passed from department to department with no clear answer being given. Several minutes later I called XXXX XXXX to ask them to resubmit the transaction on the Southwest Rapid Rewards VISA and they told me the account was still blocked ( in spite of the fact Chase Bank had previously told me they had lifted the block on the account ).
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (CA)

I did not open this credit card so the company closed it and said they would pay us {$280.00} that would take 2 to 3 weeks. Well it is past 3 weeks and I still have not received it. Now they are not responding to me.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TX)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report.

Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

My complaint is against PenFed Credit Union. Account # XXXX-XXXX-XXXX-xxxx, open XX/XX/2016. My Pentagon member number is : XXXX. My payment was due for XX/XX/XXXX and I made my payment on XX/XX/XXXX and immediately I called the collections department from the mentioned company and was told that it wont be reported negative, they told me not to worry and that I should be fine, mentioned a 3-day period of grace ( call should be recorded ). I also spoke with a supervisor and the supervisor and he determine that the agent made an error in telling me that negative marks were not going to be reflected. It is not my fault that the agents in the company are not well trained and misguide costumers. This is negligence, unfair business practice, I never received a late payment insertion by mail required by California Reporting Act and the list of violations can go on. I have been a loyal costumer to Penfed Credit Union, NEVER since I open the account Ive been late with them. I respectfully request through CFPB a deletion letter from Penfed Credit Union. If this doesnt happen I will have to take this case to court even though they do not appear in Secretary of StatXXXX of California having a branch in XXXX XXXX. I will find the way to sue if I have too, nobody is above the law. Im also attaching one of my bank savings account to prove it was not a money factor. Thank you!!
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report.

Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO CLOSE MY LOWE 'S CREDIT CARD ACCOUNT. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY LOWE 'S ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ONE ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP FAST. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH SYNCHRONY ( DISCOUNT TIRE ) TO PAY THE ACCOUNT. BUT BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY LOWE 'S ACCOUNT FOR HOME REPAIRS, APPLIANCES AND OTHER THINGS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE FROM THEM. I HOPE YOU CAN HELP. THANKS
Consumer complaint received 2024-03-13
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. (GA)

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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-10-29
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. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$5500.00} XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$0.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2022-03-28
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Got a loan with loanme.com in XX/XX/2019 for the amount of {$3100.00} dollar term length of 47 months. Payments of XXXX dollars and I had made 22 payments which is north of {$7500.00}. I now have a charge off of {$2900.00} which is now north of XXXX for a {$3100.00} loan. Each payment for {$350.00} paid $ XXXX dollars to principle and rest to predatory interest rate. Loanme is located in California which is reside. They are far past the legal limit of XXXX usury laws and its unacceptable I paid that much interest for a loan it was predatory and I wasnt made aware of such a steep interest rate. I should be reimbursed for what I over paid as well as the negatives removed from my consumer report under 15 usc 1581a. Section 1 & 2
Consumer complaint received 2023-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AL)

Ability Recovery Services submitted a false claim to the credit reporting agencies that I owe them {$570.00} and have not paid. They state this originates from XXXX XXXX XXXX. Currently, I am on a payment plan with XXXX XXXX XXXX XXXX XXXX I have never been late and made my most recent payment on XXXX. I called XXXX 's billing department representative, XXXX, at XXXX on XXXX & confirmed that my account was current after receiving a payment demand letter from this debt collector. 

They filed this false report on XXXX. I can provide proof that I have made all payments in full and am on a payment plan. My payment plan concludes in XXXX.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty  day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXXXXXX 0f XXXX, XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!
Consumer complaint received 2022-03-28
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: General Motors Financial Company, Inc. (CA)

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Consumer complaint received 2019-09-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I sent a letter directly to Capital One Auto   Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 Capital One received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. They are still continuing to report this account on my credit reports and they do not have the legal documents to do so.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I have tried to receive help from Nationstar LLC a/k/a Mr. Cooper, but their process is confusing. It responded to a compliant I sent to the CFBP, but I indicated in my response to its answer that it was confusing and Nationstar LLC did offer any assistance or a clear evidence as to why it will not provide a loan modification nor other program to help. It told me to write to their representative. I have attached my letter to this complaint. However, I have written to their representative, XXXX XXXX, more than once, and I have not received a response to any of my correspondence.
Consumer complaint received 2017-11-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a dispute with Equifax XXXX XXXX, XXXX. I received an email that the dispute was completed on XXXX XXXX showing that my bankruptcy is validated by XXXX XXXX. I know this information to be false and that they did not verify it through XXXX XXXX. I have a security freeze on my XXXX XXXX account since XXXX XXXX, XXXX. I also contacted XXXX XXXX bankruptcy court and inquired if they furnish court information to the credit bureaus, was informed that do not. I believe Equifax is not actually verifying/validating any disputes but saying that they are doing so.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates is reporting to the credit bureaus. Balance of {$1800.00} and {$3400.00}. I reached out to the creditor via certified mail twice end of XX/XX/XXXX and in XX/XX/XXXX with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter asking me to call them. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AZ)

Discover is not accepting my request for deletion and are not acknowledging Arizona 's Statutory limits. They are also going against Arizona 's Usury law of 10 %. The original debt was {$200.00} and is now {$290.00}.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OK)

Procollect credit agency, keeps fraudulently adding a account that has been previously erased by a credit agency I hired to remove items off. The balance is XXXX, it's for XXXX XXXX  XXXX XXXX XXXX XXXX