davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (MO)

This is a follow up CFPB Complaint to request that the Credit Bureaus remove the fraudulent accounts and information off of my Crdit FIle in accordance with the Fair Credit Reporting Act. I sent a letter on XXXX to remove ( personal information, address, accounts name & account Number ) that is 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/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again. I am in need of the immediate removal of the following items off of my Credit File : XXXX XXXX XXXX XXXX Ct, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXX Unpaid Balance {$200.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$130.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b.
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (NC)

Account was paid in full since XXXX once company had informed me of other accounts associated to me. Id agreed to pay the account under the impression that it would be removed from my credit report. Id made the payment despite of my financial hardship due to my sons hospitalization. Its been inaccurate reporting to a couple of major credit report bureaus making it impossible for me to fulfill my dreams for better opportunities for my family.
Consumer complaint received 2022-12-01
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: AmeriHome Mortgage Company, LLC (CA)

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor... and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
AMERIHOM MTG XXXX Date Opened XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-05
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. (CT)

I am writing to request the immediate removal of fraudulent inquiries from my credit report. I recently obtained a copy of my credit report and discovered inquiries made, that I did not authorize or have any association with.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXXBalance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-03-27
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. (LA)

In accordance with the Fair Credit Act the list of Accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

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 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 2017-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing  complaints and potential suits against XXXX XXXX.
Consumer complaint received 2022-07-25
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, Date XX/XX/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 an account without my written instructions. 

Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
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. (MO)

All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.
Consumer complaint received 2023-03-27
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. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XXXX XXXX ( Sunday ) my car breaks down due to mechanical failure. The car had to be towed to the XXXX dealership ; my car insurance paid for the XXXXow service. I then found out that I had to pay for a {$200.00} ( XX/XX/23 ) diagnostic test to find out what was the issue with the car, on XX/XX/23 it turned out to be the Power Transfer Unit on the car. This was very disappointing because I would be finished paying for my car loan in a few months. The replacement part and labor would cost approximately {$5000.00}. I did not have {$5000.00} for the repair, and I had to have the car towed to my house out of pocket towing fee for the towing service ; because I would have paid a storage charge if I had to leave the car at the dealership until could afford to have it repaired. I had to use the money allocated for my car payment to pay for all incurred expenses of having the car diagnosed and towed to my home. 
I contacted Capital One Auto Finance on XX/XX/1923 and explained my situation with my car and that the payment scheduled would not be available. The representative explained that Capital One Auto Finance had program that would help me catch on the payment without penalty and negative Credit Bureau reporting ; and we enroll me in that program ; the program consisted of a payment plan with automatic transfer of funds from my checking account on these dates : XXXX and XX/XX/23. 
On the XXXX XXXX I was reported on XXXX for Delinquent payment by Capital One Auto Finance account has having XXXX  Days late and a XXXX was deducted from my Credit Score. 
I contacted Capital One Auto Finance on XX/XX/23 and the representative could not explain why I was reported as late on XX/XX/23 ; all she kept telling me was the system said I was delinquent ; she then put me on hold waiting XXXX minutes for a supervisor to explain why I was delinquent ; she then apologized and said that there was no supervisor around to talk to me. On XX/XX/23 I contacted Capital One Auto Finance and spoke with another representative who tried to explain the reason why I was reported as delinquent, but she still could not give me a clear explanation that it would make sense in reporting my account as delinquent ; she transferred me to a supervisor. The supervisor said my loan was a Mature Loan and they extend my contract automatically because I had a high balance of {$900.00} on XX/XX/23 which is a lie regarding the balance ; and because I did not make a payment on XX/XX/23 on my regular payment date for my car loan on XX/XX/23 ; I was XXXX days late, so I was reported to the Credit Bureaus as delinquent. He then told me that my last payment for my car loan is {$410.00}, and I can pay it on XX/XX/XXXX or XX/XX/XXXX due the extension on my car loan without many negative reporting the Credit Bureaus.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC (CA)

At XXXX XXXX  PST a " collector '' reached out from a XXXX XXXX XXXX XXXX number ( which is probably an automated number ) and said he was with a Lend Green and they are a debt collector. This was obviously a lie because Lendgreen is a high-interest predatory lender and not a debt collector. He then said I had a loan and made four payments on a loan I have NEVER had with a company I have NEVER done business with. Then he hung up on me. He tried to verify some info on the phone which was outdated or incomplete personal info. He must have obtained my info from other debts and/or faulty security practices.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

On the XXXX of XX/XX/2019 I made a {$1500.00} deposit into my Wells Fargo account ( {$900.00} in Checking and {$600.00} in Savings ) Following that successful deposit, for which I have my receipts, the next day, I was not seeing the money in my account, despite the fact that I had made a cash deposit. I spoke to a number of Wells Fargo customer service people on the phone and then I also physically went to Wells Fargo to sort the problem out all to no avail. Today is Thursday XXXX XXXX and I am still having to waste time trying to get my money back. I've already taken at least 6 hours off work trying to get my own money back. The amount of mental anguish this has caused is not acceptable.
Consumer complaint received 2017-07-20
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. (NM)

XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in XXXX, when I stopped paying it. The loan was never refinanced.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Thrive National Corporation (FL)

Creditor called at XXXX from XXXX claiming to be with " National Fitness '', only revealing they were with a collection agency 5 minutes into the phone call. I explained to them I canceled the gym membership and did not owe anything. They then asked me did I get this cancellation in writing, I said no, I spoke with the gym employee at the front desk and they said they would take care of the cancellation. Apparently, the gym employee never did this. I told the agent it was therefore illegal for them to to still be charging me. The collection agent then got belligerent, so I told them not to call my phone anymore and hung up. The same agent then called again at XXXX from XXXX, again stating they were with " National Fitness '', and began reading my credit card number aloud, at which point I hung up the phone.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm still perplexed the way this account of capital one is reporting on my credit report. I've already spoke to the representative at Capital One and I've already went ahead and paid off this account in full and I don't understand why it's still showing charged off with a balance. The money has already been deducted from my bank account of over $ XXXX. 

Therefore, I am writing to dispute the information in my credit report that I received. This item Capital ONE, Account # XXXX is incorrectly reporting a current status of charged off with a balance of $ XXXX+. Again, this is inaccurate as this account was settled directly with them and paid off the entire balance that we agreed. I am requesting that the status be updated to reflect the account is now Paid as Agreed. '' or this tradeline completely deleted/removed. Please investigate this matter and correct the dispute item immediately.
Consumer complaint received 2023-03-27
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XXXX Balance : XXXX and XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}.
Consumer complaint received 2023-03-27
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

When my Chase credit card renewed, I didn't realize I was charged additional fees for some unknown " authorized user. '' I thought it was fee for myself alone. The charge description never indicated who was it for, or what it was for. It just says " fees. '' Nothing in my Chase account shows that I had another user on the account. I can't see anything about this other user. I didn't realize the fee was for ANOTHER person until XX/XX/2022. That is how long it went unnoticed because Chase didn't want me to know. 

I had to call the customer service 3 times on XX/XX/2022. All of them said, " You can't see the authorized user or remove them on your end. BUT YOU SHOULD KNOW and you have to pay the fee for this person, because of the terms of our agreement. '' When I asked, " How do I even find out about this other person if I can't see anything about that person on my account? '' One rep even said the only way I would find out as a customer was to see how many times the {$75.00} fee was charged. So if I got {$750.00} fees, that means I have 10 unnamed users on my account. He claimed that, " It's all in the file! '' But I as a consumer, don't even know that file exists and who those people are! 

I asked, " Is what you're doing legal? '' Chase reps say, " You agreed by the terms of agreement. '' I did NOT agree that I pay for unknown people on my account that I can not see or remove! 

Chase is being deceptive and manipulative and tries to collect as much fees as unethically can. People can easily " Add authorized user '' on the web portal, yet there's no way to see existing users or remove them. If people 's account are stolen or compromised, Chase doesn't want you to know but want to bank on your ignorance.
Consumer complaint received 2023-03-27
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. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX, XXXX XXXX XXXX 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