davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act. XXXX XXXX /XXXX  equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 16815-2 ( 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. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX illegally reports to XXXXequifax that my account is still valid and refuse to request account removal after settlement.
Consumer complaint received 2021-12-04
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-04-10
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. (NC)

I have been battling with Equifax for well over 5 months trying to get these inquiries that I do not recognize removed. I was notified that I first was part of the Target information breach and then XX/XX/XXXX I was part of the 2nd Equifax Breach over and over I get some one that does not speak English being condecinding and rude when I am trying to resolve the issue that was not my fault in the first place it was their system since someone hacked it I am now just trying to remove what I did not initiate. Not all Inquiries are false I have provided the ones below that I do not recognize. You can definitely admit 40 is excessive that is crazy my other reports dont have 42 and i do not have that many accounts and if they check their records i have faxed multiple dispute requests, called multiple times and I have also attempted their protocol and reached out to each of the 21 of the Inquiries are not mine. When I called the creditors like Equifax told me to do they have no record of my initiation of requesting credit on the dates the inquiries are on my credit and they atre on my credit ran multiple times sometimes 2 times with in the same day. So going back and fourth is getting me no where I can 't dispute something nobody has record of yet Equifax considers it factual yet never validated any part of that record.

27 Inquiries I have no Knowledge of : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX XXXX 19. XXXX XXXX  XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX
Consumer complaint received 2022-05-02
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 Account XXXX XXXX XXXX # XXXX and 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 can not furnish a account without my written instructions.
Consumer complaint received 2021-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

PenFed illegally altered the payoff amounts to another PenFed loan ( XXXX ) and credit card ( ending in XXXX ) specified in documents closing on my home equity loan XX/XX/XXXX ( No. XXXX ) after the disclosure was issued and closing took place. 

PenFed was obligated, according to the signed closing documents, to pay off the personal loan and credit card. It was further obligated to accurately calculate and disclose payoff amountsa simple enough task since these were amounts owed to PenFed itself. 

More than two years later, PenFed began asking for payments on a {$3000.00} personal loan balance that should not still exist. I note the text at the top of the disclosure declares This form is a statement of your final loan terms and closing costs. I was never notified prior to a letter from XXXX XXXX, Chairman, Supervisory Committee, dated XX/XX/XXXX, of any deviation from the payoff amounts. In fact, PenFeds closing attorney explicitly told me at closing that all prior PenFed borrowing was being paid off and those accounts closed. I am separately investigating possible fraud on the use of the credit card after closing. However, in any event, the account should have been closed, preventing any fraud from occurring, and the closing documentwhich must have final sayagain shows an amount different from what PenFed reported XX/XX/XXXX. 

Notwithstanding another communication from PenFed after the closing, the closing document was legally sacred and there was no reasonable excuse for disregarding the payoff instructions.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I opened an account 7month ago with BestBuy. I never had an credit card before this, I have owned cars and paid off my cars but not credit cards.

Right after I opened this card I paid off half then went out of town, I lost my wallet and forgot about this card. Now my credit score is low 500 's and I have paid the rest in full 2 days ago.

I have never had credit cards before why is missing a couple payments while I was out of town bring my credit score down to XXXX?
Consumer complaint received 2022-05-02
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. (SC)

XXXX XXXX XXXXIs not correcting the errors when trying to dispute account that don't belong.The accounts are not mines, and I trying to get them remove offbmy credit file.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on MRS BPO, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (PA)

I applied to a background check for XXXX a XXXX  contractor. My results came back incorrect and I want to resolve the issue by getting the right information replaced. My case is pending but the court has messed up my charges and have not fixed them yet so I will be talking to my lawyer about this but once that end is taken care of I will need to address and fix the problem with you. Contact me via XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (MI)

My stimulus check was sent on a card and was sent to an old address someone got the card and activated it and withdrew all of the money off of the card. When I learned about this I disputed it as fraud and filed a police report sent all of this information in and they didn't investigate it they just denied my dispute stating inconsistent conflicting information! I've asked plenty of times for the information they used in reaching the denial and yet they haven't sent me anything as of yet and per law I am to be provided that if asked for and if nothing was used to reach the denial how was a denial reached with the police report and all I still have all of my paperwork that was sent and turned in including the police report and will forward it to you if needed. The company name is money network I don't know why my stimulus check was sent via card when my bank account number was on my tax paperwork and everything should've been deposited in my bank account to stop fraud yet it never was a check was mailed the first time for the stimulus check and was stolen and cashed without my consent I didn't cash it this is the second time this has happened and I'm tired of it im out of {$2700.00} and I've been appealing my decision and still nothing showing why it was denied
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both TransUnion and XXXX credit services.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

I've sent various letters to XXXX XXXX with no response. Each certified letter has been returned. I am simply asking the company to remove the account from there office and return it to the original creditor so that I am able to settle and regain my credit history. I saw that the account has been closed but still reporting negatively on my credit report. I do not know what else to do. If the account is closed how is it still reporting.
Consumer complaint received 2021-09-08
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-10
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. (PA)

n accordance with the Fair Credit Reporting act 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 15 U.S.C 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX-XX/XX/2018 I responded to an add on XXXX for ( 2 ) wristbands to XXXX music festival. The seller let me know he or she had two wristbands still available for {$550.00} each. We then began negotiations on payments and arrangements moving forward. We agreed to use XXXX, a payment method through out banks. Not knowing much about it I trusted it since it was through my bank and if anything happened I could go to them to fix the problem. We agreed that I would send the first payment of {$550.00} in the beginning and the other {$550.00} once I had the wristbands. But throughout the day with threats of keeping my first payment and to not send the wristbands I eventually sent the rest of the money in two separate payments of {$350.00}, and another {$200.00} all through XXXX. Once the full amount was paid I stopped hearing from the seller and when I tried to call the cell phone had been disconnected. Know I had been scammed I contacted my bank to see if there was anything I could do or if I could even file a claim. After calling multiple times and talking to numerous employees they all said the same thing, since I willingly sent the money they can not do anything. Then they would go on to say to just alert the police and reiterate that there is nothing else they could do. I trusted the bank to have my back and they didnt.
Consumer complaint received 2018-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (NC)

On XX/XX/18 an agreement was made with XXXX XXXX for a personal loan serviced my Lending Point. On XX/XX/2018 I received an email from Lending Point stating that my original Creditor for my loan was not with XXXX XXXX  but rather with another bank by the name of XXXX XXXX XXXX. I was advised to continue making payments to Lending Point on  behalf of XXXX XXXX XXXX. I reached out to Lending Point as well as XXXX XXXX  requesting validity to the Loan agreement that was signed on XX/XX/18 as well as the email that was received on XX/XX/2018. I was told by XXXX XXXX XXXX XXXX that I do not have a loan agreement with them serviced by Lending Point. I spoke with Lending Point on XX/XX/2018 and requested for them to provide me with written validation of the information they stated to be true. Today XX/XX/2018 I received a call from Lending Point stating that my Loan agreement is a valid agreement and per line 21. On the loan agreement stating that the debt can unilaterally be transferred without notice given to me. She went on to state that Lending Point now own the debt and I owe only them. Per my loan documents, it state an agreement with XXXX XXXX and only XXXX XXXX can transfer or assign the loan agreement. Further stating that Lending Point is only the servicing agent for the loan on behalf of XXXX XXXX. She implied that Im trying to get away with not paying the loan. I stated to the representative that I am simply requesting documentation of the agreement that was set forth with XXXX XXXX XXXX, and also documentation that the loan has been assigned to Lending Point. She insisted that the agreement I have is binding and my loan document is proof of validation.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Macy 's credit card is not creating a fraud investigation after several calls to the fraud and collections department, and continues to try and recover the debt. I last made charges on the account in XXXX of 2020, then in XXXX of 2020 several fraudulent charges were made on my account. Below is a brief timeline of the relevant events. 

-XX/XX/XXXX 2020 last legitimate charges made on the account. 
XXXX XXXX, 2020 first fraudulent charge -XX/XX/XXXX, 2020 last fraudulent charge
Consumer complaint received 2021-09-08
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. (TX)

I recently applied for a home and my lender tried pulling my credit with all three of the bureaus they successfully pulled from XXXX and XXXX but Equifax will not release my report. Today is the last chance to pull it or they will have to not go through with the closing. we have tried multiple times pulling my report. We have also called Equifax and they say nothing is wrong but still won't let my lender pull my report. My lender is XXXX with XXXX XXXX  please help!!
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (CT)

My bank has withdrwan money from my escrow account to pay for insurance, even though I already have adequate insurance on my property, and I have repeatedly provided proof of my own insurance coverage to the bank. 

Despite three ( 3 ) written requests, and numerous phone calls, my bank has not restored or returned the {$990.00} they wrongly took from my account. 

Bank Name : Axos Bank Loan # XXXX Bank address : Axos Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX Please assist Thanks XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX ( XXXX USD in total ) which was transferred from my wallet utilizing Coinbase 's services. 
I had tried multiple times to resolve this issue with Coinbase but they just keep ignoring my letters and complaints.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a XXXXday late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2024-03-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KS)

I'm unaware of this debit, I never had the opportunity to dispute this debt. I was never given the proper time too address or assest this debt. If infact you belive you gave me the right notification, please send me a copy of the certified letter with my Signature.
Consumer complaint received 2022-02-03
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. (NY)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

Sent payment on XX/XX/XXXX for XX/XX/XXXX due date. It was deposited in Goldman ( for Apple Card interest free purchase ) account on XX/XX/XXXX ( have copy of check ). Ive chatted, sent copy of deposited check and called 3 separate times and Im receiving late notices still today. They keep apologizing but nothing gets done.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and Experian credit services.