davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

XXXX is currently reporting I owe XXXX XXXX XXXX XXXX XXXX the date of last activity is XXXX. However, I do not owe XXXX this amount of money. I have disputed the debt in XXXX. I did not get a response from XXXX but XXXX and XXXX removed the account off my credit report. 

According, to the Federal Fair Credit reporting agency all three bureaus, are supposed to report accurate information. As well as, take 30 days to validate the debt or remove it. I have not received an accurate credit report from XXXX. I have not received a determination from XXXX on this XXXX credit card account. 

I contact XXXX about this credit card information XXXX XXXX XXXX XXXX XXXX, VA XXXX. They are not reporting this information was ever reported to XXXX. My goal is to build up enough evidence about the reporting of XXXX American people on how these reporting agencies target us and refuse to follow the law. I plan on suing all three credit bureaus on unfair reporting of consistent incorrect information.
Consumer complaint received 2022-07-21
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. (AZ)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Creditor XXXX XXXX XXXX has acknowledged in writing ( attached ) that their accounts were reported to my credit file due to an " inadvertent internal error '' and should have been removed. 

Further ; the creditor acknowledged that they never received a payment from me on this account.
Consumer complaint received 2018-04-26
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: WINN LAW GROUP, APC (CA)

There was an inquiry on my credit report by Winn Law Group out in XXXX CA. My credit report IS locked and they still got through! After searching their name on the internet, turned out it is debt collection 'lawyer ' according to the reviews. 
I haven't had any debt for 12 years!!! never heard of them, never heard from them! I had to put a fraud alert on my credit report and had XXXX  to investigate the inquiry. How is it possible in this age and technology for scambags to have access to the post private information??!!
Consumer complaint received 2020-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

On XX/XX/2020 I took out a loan With Loan at Last for XXXX. The APR for this loan is 640.11 %. I would end up paying {$3200.00}. at the end of the loan. 

I have since found that Florida State law has deemed payday loans APR would be no more than 18 to 25 %. Also found that Loan at Last does not have a business license With Florida deeming this loan to be void and uncollectable. 

I have filed a complaint with the XXXX  and offered to pay the premium of XXXX and wanted a refund for XXXX, the amount that I have over paid. They refused and keep saying that state and federal mean nothing to them that they fall within tribal sovereign laws. 

The Florida statute also states that my signature and the lenders signature must be on the loan agreement, mine is the only signature on the documents, ( e-signed ) everything was completed online. 

I have sent a letter of revocation of ACH to loan at last, stopped direct deposit and just closed my account because my account was overdrawn because of loan at last. and my bank launched a fraud investigation on XX/XX/2020.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX, a BANK OF AMERICA checking account was opened with my personal information Claim number : XXXX. BANK OF AMERICA also -added a derogatory mark on my banking report history per BANK OF AMERICA XXXX After, I conducted my own thrall investigation I disputed the inaccurate addresses, and information associated with the fraudulent account. In results to the dispute, I won in my favor. On XX/XX/XXXX, I received a letter from Bank of America stating, after completing their research I was not the person responsible for the fraudulent account. The letter also stated Im allowed to open a checking account inside any Bank of America branch. On XX/XX/XXXX, I applied for a Bank of America checking account online. With a deposit of {$200.00} dollars from a debit card my application was immediately approved APPLICATION # XXXX. After several consecutive days of the new account opened. Bank of America closed my checking account, and never explained as to why. Im disgusted a Bank with such a popular name would treat their consumer in such manner. Regarding my deposit I never received, nor has Bank of America rest assured that I will receive my deposit back. Im highly disappointed this is a tough time in the economy. Inflation is high a person whos stressed for money has no time for a deposit thats not returned.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — Store credit 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: Atlanticus Services Corporation (CA)

bought and return product by XX/XX/18 verified by there email dated XX/XX/18 and letter dated XX/XX/2018. Fax copy XX/XX/18 of there email stating credit will be credit to account. add spouse XX/XX/18 to account to help clear up.also again on same letter stating credit of XXXX will take 45 days.letter dated XX/XX/18 states intent to report delinquency to credit agencies.i XXXX XXXX called on XX/XX/18 telling them of previous letter and returning product as stated on top of there letter hand written. receive another letter of intent to report delinquency now owing XXXX. called XX/XX/18 ask to resolve explain all letters to no avail. wrote letter XX/XX/18 to XXXX XXXX XXXX/ dispute resolutions only to receive another bill dated XX/XX/18 they are closing account
Consumer complaint received 2020-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One XX/XX/19 & XX/XX/19 showing on my XXXX  Credit Report in which I have not applied for any credit or increase. or new cards. Capital One Bank has no reason to be running credit been I not applied for any new credit.
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (NJ)

Victim Id form summited multiple times. I have multiple Signature confirmation receipts from letter sent. This account was opened without my knowledge. Under a false name XXXX XXXX and false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I had contacted XXXX & XXXX   and they have deleted this collection company from my reports, but XXXX  just keeps this fraud Collection on my report after multiple letters and corespondent to delete.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (PA)

The first time I became aware of this debt was when I saw it on my credit report : Amount : {$980.00} Original Creditor : XXXX at XXXXXXXX XXXX XXXX  XXXX : Consumer Adjustment Co I did not receive any communication regarding this debt from Consumer Adjustment Company, but I recognized the name of the original creditor as a hospital at which I was a patient. I assumed this was related to an unpaid copay from that hospital. I reached out to Consumer Adjustment Company via their website to reach an agreement on the debt. I received no response. 

Because of the lack of response from Consumer Adjustment Co, I then reached out to the hospital billing department and paid the outstanding bill to them directly. I later learned that that bill was not the one that Consumer Adjustment Co was trying to collect on. I had no way of knowing this at that point. Therefore, I thought the debt was settled and attempted to dispute the debt with the credit bureaus. The disputes were denied. 

I then filed a complaint to the XXXX XXXX XXXX  Finally, the debt collector communicated regarding the debt, providing a date and the name of one of the healthcare providers who cared for me at the hospital ( I thought it was unusual that they had the specific name of a care provider ). This communication was the first I had heard from Consumer Adjustment Co, and it was through Better Business Bureau. The date Consumer Adjustment Co provided in this communication was not the same date for the balance I paid to the hospital already, so at this point, I assumed there must be another debt that I was unaware of. 

I then reached out to the hospital billing department again and was informed : 1. the debt for the date in question was assigned to a different collection agency than the one that is trying to collect on it 2. the hospital billing department does not deal with Consumer Adjustment Company at all 3. the amount is incorrect 4. the debt is not considered delinquent at this time and should not be reported to the credit bureaus When I first saw this debt on my credit report, I was uninformed of the obligation of the debt collector to notify me of the debt or to provide me with an opportunity to request further information. At this time, the only communication from Consumer Adjustment Co has been in response to my XXXX XXXX XXXX  dispute. I am wary not only of the legitimacy of the debt but of the circumstances of how Consumer Adjustment Co has the specific name of a care provider from my visit to the hospital. I have yet to receive any debt validation from Consumer Adjustment Co, and the original creditor is denying the existence of any outstanding debt with Consumer Adjustment Co. I am suspicious that this may be fraudulent. 

The date of service Consumer Adjustment Co is attempting to collect on is XX/XX/20 from XXXX at XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are not mine Ive been XXXX  since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : 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,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts is violating my rights and must be removed immediately thank you
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed XXXX XXXX of our finicial hardship. We ask XXXX XXXX to work with us and informed XXXX XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX to work out new repayment terms. We were unable to to Pay the excessive interest % rate on our loan and we were unable to Pay {$160.00} twice a month, which were deducted out of my bank account every pay day. 



I also e-mailed XXXX XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate. 
XXXX XXXX has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail XXXX XXXX responded by, '' stating my account would be refered to an attorney if I did not pay according to current loan terms '' and I would be sued for the remaining amount I owed on my loan ''. 
XXXX XXXX is refusing to work with us in regards to our documented finacial hardship. 
XXXX XXXX is refusing to work out an affordable repayment plan, so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by XXXX XXXX I feel XXXX XXXX took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive % rate on my loan and with excessive payments {$160.00} twice monthy equals XXXX monthly. 


I was never sent a default letter my email nor by mail, XXXX XXXX is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
Consumer complaint received 2018-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (GA)

In XX/XX/XXXXwe purchased a XXXX XXXX XXXX XXXX from a company called XXXX. We had auto draft payments every 2 weeks. At one point we made a early payment and it automatically canceled out the auto payment for that week. Everything was going fine with the payments until the XX/XX/XXXX payment was due, first the loan was transferred to a company called Bridgecrest. I made another early payment on XX/XX/XXXX, and thought nothing about the auto draft payment stopping, because it had always dropped in the past. But for some reason the auto pay did not drop and I was charged twice, this was devastating to our checking account, because a domino affect happened where everything that tried to clear was charged an overdraft fee, we have payed around {$600.00} in service fees. We called Bridgecrest to talk to them about why they had taken an extra payment, and told them about the service fees. At first Bridgecrest denied any wrong doing. So I reached out to our prepaid legal services to see if they could help us, The lawyer was able to get the extra payment refunded back to us, but Bridgecrest still refuses to take responsibility for the service fees, our attorney has advised us to write this letter to you since there is nothing more they can do for us without spending money to go to court which we don't have. We have been living in the negative in our bank account since this has happened, been unable to pay bills, even our van could be repossessed if we don.t come up with another {$670.00} by the middle of XX/XX/XXXX, plus pay my cousin back {$660.00} by the XX/XX/XXXX as he helped stop total repossession of our van.
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Student Debt Advisory Corp. (NC)

Today @ XXXX I received ANOTHER robocall from " National Student Loan debt Forgiveness Program '' @ # ( XXXX ) XXXX. I have repeatedly pushed the correct # 9 to be removed from their list & also spoke with their Customer Service representative asking the same. I have repeatedly told them I Graduated in XX/XX/XXXX & Loan was PAID IN FULL in XX/XX/XXXX.  I always block the number in my phone & delete it. The company changes the number & calls again, this has been going on several months, sometimes receiving 3-5 calls a day. The last time I spoke with CS I told them 1 more call & I would report them. They are very RUDE & HANG UP ON YOU. this morning was that NEXT CALL!
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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
Consumer complaint received 2022-06-14
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX XXXX XXXXXXXX Acct # 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
Consumer complaint received 2022-12-20
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. (MS)

Received notification via email that I have applied and opened a credit card with CitiBank. 

I have notified CitiBank of the fraud and requested they cancel the card. 

I was informed they cancelled the account ; however, it seems that is not the case and now CitiBank is mailing out the new card. 

No one from their fraud department has reached out since I reported the issue. 

XXXX  credit report shows the inquiry on my account.
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-30
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)

XX/XX/XXXX 30 DAY VIOLATION COMMITTED I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

A DISPUTE LETTER WAS ISSUED ON XX/XX/XXXX AND TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT, REFER TO ATTACHED LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.