davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I receive a XXXX, Equifax and XXXX  credit report on XXXX XXXX and Derogatory Remarks of XXXX-XXXX-XXXX-XXXX  days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from XXXX, Equifax and XXXX 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with XXXX, but accounts mentioned are not been displayed on XXXX and Equifax. 
Why XXXX, Equifax and XXXX not displaying Current on XXXX account as all accounts are Current. 

A Legal letter has been implemented for XXXX, XXXX, XXXX and Equifax to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I am writing to file an official complaint against XXXX and EXPERIAN for providing false payment history on my credit report. I had an account with XXXX beginning in XXXX, I experienced a hardship between XX/XX/XXXX and XX/XX/XXXX in which I was late on my payments. I was able to pay off the account completely to XXXX in XX/XX/XXXX. 

Now comes XX/XX/XXXX, I am purchasing a vehicle and EXPERIAN was the only credit agency reporting this account as charged off. This affected the payments and the interest of the car I decided to purchase. I was under the impression for months that I was in good standing with my credit by looking at it consistently through XXXX and XXXX and a charge off is suddenly showing on EXPERIAN from a credit card I had paid off in XXXX. 

Although there were some late payments, the account should not be marked as a charge off because the debt was collected. It is showing on my report that there is 26 negative months on this account and thats false. I tried to dispute this twice and they are claiming that the information is correct. I called XXXX and they confirmed the account was paid off, I have a bank statement from XX/XX/XXXX with the payment made to XXXX.
Consumer complaint received 2023-01-04
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. (NJ)

IN ACCORDANCEWITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting information with actual knowledge of errors 15 U.S.C 1681 S-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.

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 INSTRUCTION 15 U.S.C 1681C ( A ) ( 5 ) - THIS SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF COVICTIONSOF CRIMES WHICH ANTEDATE THE REPORT MORE THAN SEVEN YEARS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY PLEASE REMOVE ALL PHONE NUMBERS AND ADDRESS FROM CREDIT REPORT
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 2019-09-19
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: EQUIFAX, INC. (PA)

XXXX AUTO is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (VA)

On XX/XX/XXXX, I was approved for {$1800.00}, for my son to get car repairs. The loan # XXXX was for roughly {$1300.00} worth of work. The payment agreement was for roughly {$120.00} every two weeks to be debited from my bank account. My son 's banking information has been put on the account for the funds to be directly debited from his account. Recently he made a payment of {$100.00} on or about XX/XX/XXXX, which was slightly less than the amount due on XX/XX/XXXX. On or about XX/XX/XXXX, I received a text indicating the payment was past due for {$20.00}. I immediately called and made the payment to bring the account current. The next payment was due XX/XX/XXXX ; however, for some reason it did not go through my sons account for {$120.00}, ACIMA collected a payment for {$20.00}. Today, XX/XX/XXXX, I received an email indicating a " second attempt '' to notify me that my account is past due. This is not correct. I have not received any notification prior to today indicating my account was past due. Furthermore, when I contacted ACIMA I was told that because the {$20.00}, did not process on the XXXX of XXXX, even though I promptly paid it, ACIMA will rerun any transactions that failed in the past, even though they have been paid. I was told that the XX/XX/XXXX did not process making the account past due ; therefore, ACIMA reran the {$20.00} that failed on XX/XX/XXXX. So the {$120.00} was not available so that will rerun any previous payments that failed. That makes no sense and only can harm the consumer. The ACIMA Representative indicated this is in my lease in " Section 12 ''. This practice can not be legal and if it is legal it should not be legal and it definitely should not be buried within the lease in " Section 12 ''. If a merchant is permitted to draft my account for a specific amount and said amount is ultimately paid my another means they then should not be allowed to rerun that amount again, at all without expressed permission to do so. The merchant has never been given full autonomy to access a consumer 's bank account, especially if a payment is made over the telephone or otherwise for a specific amount clearing up that arrears.
Consumer complaint received 2019-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

************UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX XXXX XX/XX/2017 NAME OF COMPANY CAPITAL ONE
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied
Consumer complaint received 2019-04-09
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: Consumer Portfolio Services, Inc. (NJ)

UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX DATE OF INCIDENT XX/XX/2017 NAME OF THE COMPANY CONSUMER PORTFILIO S
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I keep getting threatening calls from numerous phone numbers daily and letters for a debt I've tried to dispute many times over several years. This debt is now several years past the statue of limitations and this agency is falsely reporting this information tonally of the credit bureaus as a current debt.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc (OR)

They have contacted my Mom at XXXX several times. Mom is XXXX years old. She refers all strange calls to me her son. They then called me at XXXX. I have told them twice to never call Mom again and to put me on the do not call list. 

The number they call me from is is XXXX - FIRE all of them and show me evidence they are gone!
Consumer complaint received 2019-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is a tribal payday loan company. I took a loan with this company but found out they are illegal to do business in the state of Florida after the loan was taken. I reached out to XXXX to delete the loan immediately from my credit files since they are not licensed to do business in FLorida. The company refuses to adhere to my state laws.
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XXXX of 2018 Fifth Third Bank put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when I disputed the issue with a manager in XXXX, Ohio. They sent me a letter saying they reopened the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2019, I obtained report # XXXX from Experian and noticed an fraud alert was placed on my account without my knowledge and consent. Experian made it impossible for the consumer to reach out by way of telephone for the consumer to ask immediate removal for fraud alert. 

Therefore, I want to file a formal complaint against Experian for discrimination against Seniors with XXXX that are unable to use the postal service to dispute inaccurate information contain in the consumer report and their refusal to remove a fraud alert that prevent consumer from obtaining emergency medical equipment. 

Experian placed an fraud alert on my credit report without my knowledge or consent and refused to remove fraud alert from my report. Experian refused to tell the consumer who placed the fraud alert on the consumer report, when the alert was place and for what reason. Experian had the consumser call several times each time more than a hour wait to get aholdof a representative only to be transferred to XXXX XXXX. After I reached Experian and explained I had to apply for credit to obtain XXXX   equipment and I need the alert removed immediately the Experian representative refsued and hung up the telephone several times forcing the consumer to repeat the process.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/XXXX a correspondence was sent via mail as well as an additional follow up on XX/XX/XXXX that was also sent via mail to Common Wealth Financial Services after receiving an alert on my credit report in regards to an alleged account ( # XXXX ) a medical account that was originally established between XXXX HOSPITAL on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX  HOSPITAL signing giving permission to disclose such private info. Their response clearly violated my rights according to the HIPPA act of 1996.  XXXX  HOSPITAL did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
Consumer complaint received 2019-04-09
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: Credit Plus Inc (NJ)

UNKNOWN INQUIRE REPORTING ALL ALL MY CREDIT BUREAU SUCH XXXX, AND XXXX DATE XX/XX/2017 NAME OF COMPANY, CREDIT PLUS
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (FL)

In XXXX of XXXX while I was employed by a company which provided me excellent insurance and low copays, I got a dental procedure done to my mouth. I paid the remaining balance that was due after my employer paid the big balance. Then I moved out of the state a few months later. In mid XXXX I received a random call from a debt collector saying I owed a balance of {$240.00} and this will be reported on my credit. I tried to inform the representative that the debt was paid but they were unwilling to hear my story. I even reached out to the dental company who also was very rude to me in stating I did not pay my bill. Now this is a bad stint on my credit that I did not cause.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (VA)

I noticed this creditor on my report last year. Saw that it was for a XXXX bill. XXXX is not on my credit report nor was I notified by them that I had a past due balance. I called XXXX and was told that I didnt owe anything. Then I spoke to someone else from XXXX that said there was a last due but upon returning equipment, the balance changed to XXXX. 

I spoke with this company to get the reporting removed from my credit report since I dont owe the balance, no luck. I decided to just pay the balance to get this taken care of being that I'm applying for a house in a couple of months and I cant have this messing up my score. So far, I've sent several letters to negotiate a settlment but have recieved no reply.
Consumer complaint received 2018-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (WI)

In XXXX of XXXX I was reaching how to purchase a home with a lower credit score. Mortgage Lenders of America reached out to me spoke with a lady named XXXX XXXX. I gave her consent to review my credit and see what I had to do to get a home loan. She reviewed all my information and told me with my current income and what was on my report I would be able to get a home loan for roughly {$130000.00} after I did some repairs and cleaned up my credit a little bit. She referred me to a Law Firm who they are partnered with that will help me through this process. I spoke with the XXXX XXXX XXXX and was advised it would cost me {$1400.00} to get my credit where it needed to be. The goal was a XXXX-credit sore to qualify for the FHA loan. I spent many months working on getting my credit where it needed to be following all the direction given by the Lawyer and paid the balance to them in full. On XX/XX/XXXX I received an email from XXXX XXXX giving me the good news of a preapproval of {$80000.00}. I felt so relieved that I did it I was able to boost my credit up and finally get the stratification of buying my own home. While searching for a home I was then notified by the realtor agent I was working with that I did not qualify and need to touch base with the lender. When I reached out it was now XXXX XXXX I was working with because XXXX XXXX no longer works there. 
XXXX reply to me was Again, I apologize which is why I am glad I reviewed the file again before you went under contract. Yes FHA requires that we use 1 % as the payment even though you are paying significantly less. If your credit score was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on your credit report. The best and most immediate option would be to build your credit, so you can go conventional. It will also require a 5 % down payment. 
After this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one. When initially XXXX XXXX pulled my credit, she would have seen that I had a student loan. I should have never been told I could qualify for something and tell me to reach a credit score, once I did what was asked they approved me then turned around and pretty much told me oh Im sorry we screwed up my bad. This is unacceptable for a business to conduct business like this. I reached out to XXXX explain this frustration and asked to speak with a supervisor to address my concern of how un professional this whole process was. I have not received an email or any notification from them.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio recovery llc XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (GA)

XXXXXXXX XXXX XXXX was open due to fraudulently using my information, my information was exposed in a data breach by XXXX, I want this account removed from my credit report, I am a victim of identity theft, Im filing this complaint with the CFPB to have account removed I do not want no fraud alert, all my information was compromised, my social security number and my drivers license information, I do have a ftc identity theft report filed and I will attached to this complaint
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I have several times disputed ( with American Express, aka Amex, online ) unauthorized charges for unordered items from XXXX billed to me in XX/XX/2018. These charges appeared on my American Express account, but not on my XXXX account. How could that legitimately be? 

These disputes have not been taken seriously, and in fact, the unauthorized charges were reposted to my account the very next day after the dispute was filed. By way of response, American Express reported to me that XXXX had claimed to it that I or someone in my household had ordered these unwanted items. That statement is false. Then the disputes themselves disappeared from my online American Express account, and I never heard anything more about them. 

I paid my Amex bill in full, in order to protect my credit score, but of course I still want a refund. I have the unordered items and would be happy to return them to XXXX, but they do not appear on my XXXX account, and so I have no order number for them. It turns out that ( although it is easy to return items to XXXX if one has an order number ) it is virtually impossible to return an item if one does not have an order number. 

I sent a demand letter to American Express insisting that the charges be reversed, but have received no response. 

I have several times disputed the following charges by XXXX to my American Express account : Date of charge : XX/XX/2018 Amount of charge : {$68.00} Item : XXXX XXXX XXXX XXXX XXXX*XXXX - XXXX XXXX/XXXX, XXXX  Date of charge : XX/XX/2018 Amount of charge : {$370.00} Item : XXXX XXXX   XXXX XXXX XXXX*XXXX - XXXX XXXX/XXXX, XXXX  American Express did not resolve the issue , and deleted my disputes from my online account the very next day. Its only comment was that XXXX told them that I or a member of my household had ordered these items.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (PA)

XXXX : Received promotional offer in my e-mail ( attached ) to make ( XXXX ) digital wallet transactions ( in store or online ) and get XXXX bonus reward points. Bonus should be posted in 2 billing cycles. 

XXXX : Made ( XXXX ) XXXX pay transactions online at Target app. 

XXXX : Called to inquire about the bonus and either got disconnected, transferred multiple times, and finally transferred to a department where I was asked to verify SSN and credit card #. When I gave out that information, turned out I was transferred to another bank where I have no business with. 

XXXX : Sent a secure message to inquire about the bonus. 

XXXX : Got a reply to wait until XXXX to get the XXXX bonus points. 

XXXX : Haven't seen the bonus.