davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Recovery Service Incorporated (CA)

I received a letter form ARSI Collection agency, they are collecting an account on behalf XXXX XXXX, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me XXXX recalled the account from their office. I called XXXX and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The website XXXX offers free credit reports every week from TransUnion, XXXX and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2022-10-11
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 XXXXXXXX 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 The account is Also closed but remains visible and harming my credit score
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I received an email XX/XX/22 stating it was from Pay Pal stating that the invoice had successfully settled. My order was fulfilled. It gave contact info for Pay Pal at customer support at XXXX XXXX XXXX ( I did not call ) It gave the detailed order info for a XXXX XXXX XXXX for {$660.00} stating product will reach me in XXXX. I do not have a Pay Pal account
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information I sent in a dispute to Equifax for XXXX XXXX child support account # XXXX because after pulling my credit report I instantly recognized incorrect information. Equifax stated they verified the Information belongs to me and if I have additional questions about this item to contact XXXX XXXX '' ( XXXX ) XXXX. FIRST Violation. the number they're reporting is incorrect no answer the phone number has been disconnected. SECOND VIOLATION. I drove to the address that's being reported on my credit file XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX CLOSED moved to another location. THIRD VIOLATION. Date opened is incorrect XX/XX/2015 is not the correct date. FOURTH VIOLATION. Balance owed is not XXXX XXXXFIFTH VIOLATION Date of last activity is also incorrect XXXX..SIXTH VIOLATION.. Last payment is also incorrect you're reporting a payment date of XXXX After doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct address and phone number as well as correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. 





Equifax has violated multiple laws when it comes to an account on my credit report.
Consumer complaint received 2018-11-28
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. (OH)

Received a requested credit report from TransUnion on XX/XX/XXXX. The report reflects an ADVERSE ACCOUNT which has been handed over to ( XXXX XXXX # XXXX ) on XX/XX/XXXX. The creditor apparently is XXXX XXXX ( Cable/Cellular ) and the amount apparently due is {$510.00} dollars. 

My mobile-cellular provided prior to this past XXXX, has been and ALWAYS been XXXX. My cable provided since XXXX has always been XXXX. 

I can't understand why this on is my report and possibly affecting my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 my father XXXX opened up a loan under XXXX XXXX. I XXXX noticed that there was a XXXX XXXX loan ( {$3200.00} ) that I never had. I contacted them in regards to it and spoke to my father. The company wouldnt answer the phone and tried their best to rush me off telling me your information is on it so its your loan. Once my mother went to the store they gave her a printed out copy of the check without having to show any sort of identification. They also informed her that it happens often here when she asked how could they mix up information. I disputed the account but XXXX XXXX continues to state that its mine after I expressed to them that I never walked inside of a XXXX XXXX and that my father told me that he indeed signed and cashed the check.
Consumer complaint received 2022-07-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

SANTANDER XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX COMPTROLLER OF CURRENCY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX  account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the FCRA
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am following up on Complaint # XXXX submitted on XX/XX/XXXX. I reached out to the car dealership ( XXXX XXXX ) to which the car was traded in on XX/XX/XXXX, to get documentation showing when the final payment was sent. I am attaching a document I received from the dealership to show an XXXX Payment in the amount of {$4300.00} on XX/XX/XXXX. I believe this proves the payment should not be showing 30 days past due. I would like Capital One to remove or waive the 30 days late payment being reported to the credit bureaus. Some of the XXXX on Capital One 's website is still showing the XXXX payment as showing 30 days late.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XX/XX/XXXX of XXXX, I filed Bankruptcy chapter XXXX to avoid a foreclosure after 19 months of payments until XX/XX/XXXX. After that my loan got transferred from XXXX XXXX to Rushmore on XX/XX/XXXX, but Rushmore started treating my account as Bank Owned instead as an account under Bankruptcy Chapter XXXX and they served my tenants a letter stating I was no longer the owner of my property. Since then i have not been able to collect any rent payments from my tenants ( see attached exhibit A ). 
I got a letter from Rushmore on XX/XX/XXXX stating that the process to rescind the foreclosure has been completed and that the account is no longer in Real Estate Owned ( REO ) or eviction status. ( see attached exhibit B ) but it wasn't true Now on XX/XX/XXXX has been more than 1year and half and Rushmore still has not rescind the title back to me!! I have been continuing to make my plan payments thru bankruptcy until now. 

I am requesting to help me to resolve this matter, unfortunately due to this situation i have not been collecting rent since XX/XX/XXXX. My tenants have refused to pay me since tenants told me i am not the current owner! 

See attached current title with shows Trustee 's Deed Upon Sale only ( exhibit C ) Right now Rushmore offer me a loan modification with the following terms " AFTER ALL TRIAL PERIOD PAYMENTS ARE TIMELY MADE AND YOU HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS ". This modification is telling me that i need to qualify and i don't think its fair. And also Rushmore wants me to start making payments on XX/XX/XXXX, and they want me to be in charge to do the eviction process which I don't know how many months it will take to vacate the property and due to COVID-19 we have to wait until XX/XX/XXXX. Without knowing if the tenants will move out by that time. 

I don't think it is fair for me when the lender made all this mistake. 

I am requesting to Consumer Financial Protection Bureau to stay involve in this problem until Rushmore Rescinds back the property. 

Please contact me at XXXX XXXX XXXX XXXX or by email at : XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (NJ)

I tried to communicate with the company but it has not been possible. Since the initial company did a transfer of the loan to another company but when it went into my account with the new company it says that I owe much more money than I really do and I don't see the same payments applied to the loan. This has me very confused and concerned. I need to solve this as soon as possible so I can be calm
Consumer complaint received 2022-02-13
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. (PA)

I have explained to Experian that these accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.My FTC report XXXX
Consumer complaint received 2022-02-13
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. (TX)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Beginning in XXXX of XXXX I reached out to Midland Credit to request information pertaining to a debt showing on my credit report that I did not recognize. I requested information and validation of the debt and did not receive any information or correspondents. I sent multiple letters and did not receive any of the requested information. 

In XXXX of XXXX I started receiving court paper and learned that i was being sued for an account I had no knowledge of. 

The Lawyer of XXXX XXXX provided me with a little information pertaining and advise me to speak with the lawyer that actually has my case as he was just feeling in. 

I attempted to reach out to the lawyer with no success. I received documents on XX/XX/XXXX and immediately called the number listed as there were multiple discrepancies with the information listed. The number listed was for Midland credit directly instead of the lawyer. The midland rep stated that she would have the lawyer contact me after we both found some discrepancies as well as Midland shows all my letters that were set to them. 

I have never applied for a credit card account with XXXX bank. The information they have including the credit cards and bill was sent to my old address on XXXX in XXXX in XXXX. I moved from that address in XXXX. 

This debt does not belong to me and was opened without my knowledge and authorization. 

Attached are additional documents for review
Consumer complaint received 2021-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (TX)

My {$12000.00} loan obtained during XXXX school is supposed to be in deferment as I am a XXXX resident still in residency. My loan servicer, University Accounting Servicer, LLC, repeatedly tries to start charging me interest on the loan incorrectly. I re-apply for loan deferment each year, and last year my deferment was approved from XX/XX/XXXX to XX/XX/XXXX. Yesterday, I called the customer service agents who removed the interest from the " interest '' section of my bill, but the total current balance still keeps increasing everyday ( now up to {$90.00} in incorrect charges ). I received an email saying my loan was put into forbearance in XX/XX/XXXX instead of deferral, and my loan has been accumulating interest ever since. I never agreed or asked for forbearance. I should be have no interest or any other charges on my loan until I graduate residency. This loan servicer repeatedly exhibits predatory behavior in this manner and tries to charge interest when they think I will not be paying attention. The customer service agents repeatedly refuse to address or fix my issue. Every few months, they will reverse my deferral and I will have to go through this process all over again.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Purchased item from XXXX for {$160.00} Item was returned, received email confirmation that return was received XX/XX/22 and full refund was to be processed. Never received refund. 
Filed billing dispute with bank of america, bank of america requested documentation, Faxed email receipt stating return was received and refund was due. Received letter stating " unable to determine that a billing error occurred '' and closed dispute. The documentation provided clearly shows I am due a refund and I have not received one. Under the visa card member agreement Bank of America is obligated to provide a refund and charge back the merchant as I have provided all required documentation.