davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX in the amount of {$970.00} being reported as a collection account since XX/XX/XXXX XXXX XXXX  in the amount of {$880.00} being reported as a collection since XX/XX/XXXX XXXX XXXX  in the amount of {$830.00} being reported as a collection since XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$360.00} being reported as a collection since XXXX XXXX XXXX XXXX XXXX  in the amount of {$1500.00} being reported as a collection since XXXX XXXX XXXX XXXX  in the amount of {$58.00} being reported as past due as of XXXX XXXX XXXX XXXX  in the amount of {$180.00} being reported as past due as of XXXX XXXX XXXX XXXX is reported as a charge off in the amount of {$2300.00} as of XXXX XXXX XXXX XXXX XXXX - reported as late and past due as of XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX XXXX  - reported as late and past due as of XX/XX/XXXX in the amount of {$1500.00} XXXX XXXX XXXX - reported as late and closed as of XX/XX/XXXX in the amount of {$1000.00} XXXX XXXX  in the amount of {$700.00} is reporting open and late XXXX XXXX XXXX is reported as past due as of XX/XX/XXXX in the amount of {$980.00} XXXX XXXX XXXX  is reported as late payments due as of XX/XX/XXXX in the amount of {$230.00} XXXXXXXX XXXX XXXX is reporting as {$160.00} past due as of XX/XX/XXXX XXXX is being reported as open and past due {$68.00} as of XXXX XXXX XXXX XXXX XXXX XXXX is reposted as written off in the amount XXXX {$360.00} as of XXXX XXXX XXXX XXXX XXXX XXXX is reposted as written off in the amount of {$480.00} as of XXXX XXXX  All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts.

Several of these accounts are associate with incorrect information that is listed on my credit report as being my personal information.

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my credit.
Consumer complaint received 2023-03-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

yesterday XX/XX/23 at XXXX i am trying to coordinate with the agent/representative, that i can only able to pay {$150.00}, but they said they can not accept. It was the agent from XXXX XXXX XXXX XXXX who made a mistake, because i cancelled the policy way back XXXX, but no one did it. So they charged us a month bill which we have an active auto insurance with the other company. And today XX/XX/23 i called up by XXXX I spoke with XXXX and I am willing to pay instead of {$150.00}, i can only afford to pay even {$100.00}, but they don't want to accept it, she told me that the amount they can accept is {$390.00}, I can not afford that amount, we have already issues to pay our mortgage due to unemployment/XXXX  with my spouse and family got covid too. But they don't listen to me. They want to collect which i'm not liable to pay.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX. 

Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions.

While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}. 

In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}.

I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later. 

The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute. 

Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX. 

I have also filed a police report, and have shared the police case number with the bank.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number 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 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 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

XXXX & Experian continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, Experian has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX ( XXXX. XXXX ) United States District Court for the XXXX XXXX of Virginia ) ) I am requesting CFPB investigates these matters ... 

XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

XX/XX/2021 to current for XXXX this was for a credit card bill max XXXX before went to collections paid off all but XXXX went to collections for XXXX the collection agency says i never paid off down to XXXX sent them proof and then they refused to further collect so another co took over did say came after for XXXX i submitted all my bank statements over and over and they said who cares i told them this is fraud i do not owe this money you have me in collections for i paid i only owe XXXX they still said who cares nothing we can do pay XXXX or not removing i have proof of hundreds emails i sent to first collection agency who stop it cause they knew i didn't owe it was fraud on my reports collections i do not owe then this company that has many lawsuits against them took over and still trying to come after me amount i do not owe and submitted proof do not owe they finally removed from my XXXX but still on XXXX and XXXX causing me issues getting denied rental applications for money i do not owe
Consumer complaint received 2019-02-09
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. (WY)

At some point in history, Equifax changed my ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... when in fact it is XX/XX/XXXX.. Have talked to countless representatives from XXXX ( ? ), numerous faxes were sent over the past 4 weeks that included my birth certificate, social security number, drivers license and a utility bill trying to get my information corrected so that My family and I could continue with the process of getting a mortgage. Even created an account with the Equifax membership program to resolve this issue. All these efforts have actually changed my sons ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... instead of his XX/XX/XXXX actual date of birth. Again, sent information that confirms his identity .... How do I fix this??
Consumer complaint received 2019-02-09
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. (OH)

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2019-02-09
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: Experian Information Solutions Inc. (SC)

I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (SC)

I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
Consumer complaint received 2019-02-09
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: Experian Information Solutions Inc. (NV)

the company XXXX XXXX XXXX is reporting on my Experian Credit report even though I've disputed it 3X and Experian wont tell me how they validated that account when its a fraudulent account. I want it removed, it is not mine nor do I have any knowledge of the account. I've reached out to the company as well and they must work with Experian because they cant/wont ' send me proof or validation of the account with my signature on it.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (CA)

I had alarm services with XXXX XXXX XXXX and there were constant issues with the service and after notifying XXXX XXXX XXXX that I wanted to discontinue services, they suggested that I keep the services and notify them again at the end of month. This was around XXXX and XXXX. I figured that because I could not get internet connection, interruptions, and faulty alarm systems that the services had been discontinued from my initial request. 

The following collection accounts have negatively impacted my credit scores and because of the service failure from XXXX XXXX XXXX and overall negative experience, I would like these deleted from all three credit reporting agencies. I also was not properly set up to access the actual account so I was surprised when I was contacted about these collections after two years. 

DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX Diversified : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
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: PNC Bank N.A. (GA)

XX/XX/2018, I contacted PNC Bank, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different PNC people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score 60 points for being 40 days past due. It took much longer than 40 days to work through this process with PNC to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX or PNC Bank XXXX XXXX XXXX
Consumer complaint received 2019-04-03
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. (NC)

XXXX XXXX XXXX XXXX XXXX $ bull city financial solutions XXXX $ cmre financial services XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $
Consumer complaint received 2019-02-10
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. (TN)

I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX.
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern & Stern. P.C. (NY)

Back in XXXX I wasnt able to work leaving me in debt with all of my creditors, one being XXXX XXXX XXXX. During that time I was honest with all my creditors, I let them know I wasnt able to pay my debt because I was out of work. Even after I express that to XXXX they would call me every day threating to sue me. Fast foward to XXXX XXXX, here I am contacting all my creditors to pay my debts ; XXXX sold my debt to a collection agency who then sold it to stern adn stern pc. I contacted Stern and stern pc to pay my debt I reached the woman who was calling and threaten me before. I asked her for information on my debt this woman told me I owe XXXX $ I advised her that my debt with XXXX was only XXXX . She insisted that my debt was XXXX $ and she can go as low as XXXX. I then asked for information on the debt and why it was that much she refused to stend me information. I know my rights as a consumer so I reached out to XXXX and advised them the issue. XXXX is still report to my credit report through they sold the debt and this collections agencies isn't sending my information of the debt that I was trying to resolve. After speaking to the collection agency 5 businessday came and went and I never received infomation on my debt 1st violation. Now here we are XXXX XXXX I get a letter of garnishment dated after my disputed and investagation againist them giving me 20 days before they garnish my wages. That is violation # 2 this creditor filed to garnish my wages on an incorrect amount with no proof given to me or notices with the attemps to collect or even any information about the debt amount. Violation # 3 I filed a dispute this creditor is not allow to proceed with debt collecting activity while a dispute and investigation is taking place
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (FL)

I have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX   breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.