davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

american express reported account was charged off in XX/XX/XXXX when account was paid off with a zero balance on XX/XX/XXXX bogus charge off report ruined my family 's change of getting a new mortgage
Consumer complaint received 2022-06-20
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXccount # 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 2018-08-08
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: Southern Auto Finance Co (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2018-08-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...
Consumer complaint received 2019-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

In XXXX I was double charged for my truck payment. When I contacted Westlake financial they said they would try to money transfer it back into my account if not they would send me the double payment check via standard mail. Then 2 weeks later I reached out to them they said it didnt work. I asked to have the check resent. Then Once 8 business days had passed and I have not received the check in the mail, I called back and asked to have the check canceled and just applied to XXXX truck payment. The women told me no problem she just had to email the accounting department to have them do so. I would see it applied with 48 hours. That was Monday XX/XX/XXXX. Then on XX/XX/XXXX. ( The day my payment is due ) I received an email stating i am late on my payment. I have call numerous times asking to have it fixed and asking for a supervisor. Every time I was either told they do not have supervisors, or put on hold for hours at a time. Or just hung up on. Then today XX/XX/XXXX I called, finally was given to a floor lead person named indigo, she told me theres nothing they can do but send another email asking approval for them the send another check for the payment I was double charge. Which I could be denied for again. which will take 7-10 business days do them to start the process. but if I dont pay my payment within 8 days they are going to start charging me late fees if I dont pay it soon.
Consumer complaint received 2022-06-20
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

XX/XX/21 XXXX, Ga- discovered check I mailed was stolen from mailbox. Pay to and amount was changed and it cleared my account. Reported immediately to XXXX XXXX XXXX to open fraud case. They said they had 10 days to research. Called back after 11 days and they said they had 30 days. 30 days later was told by email needed to send notarized affidavit which I did, now XXXX XXXX XXXX is saying theyve turned it over to PNC the bank that cashed the altered check and PNC is saying they have 120 days to research. In the mean time, Im out XXXX that hasnt been restored to my account. Trying to find out what I can do to get this corrected.
Consumer complaint received 2022-06-20
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. (DC)

Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 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 2018-04-26
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. (NV)

I just received a credit alert from Equifax that XXXX XXXX XXXX pull my credit, I haven't applied for any auto loan, this is another fraudulent hard inquiry. I have been a victim of identity theft in the past and I have a fraud alert in my credit report but this company XXXX XXXX XXXX never called me to ask me if this application was mine. When I contact them to ask about this matter, they apologize but they didn't remove the fraudulent hard inquiry from my credit report, I got the same result when I called Equifax. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2018-08-08
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. (LA)

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
Consumer complaint received 2018-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, TransUnion, and XXXX   CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

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. 

Account name | Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct 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 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted and faxed XXXX, TransUnion, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America XX/XX/2016 i called the customer service number and told them that my debit card has been lost numerous times. Then there has been some fraudulent activity on the account, they are accusing me of doing. In total they. are saying i owe XXXX i need this off my account.
Consumer complaint received 2018-10-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (VA)

On XX/XX/XXXX around XXXX XXXX  ( EST ), I called Ford Credit back after one of the numerous messages they left on my personal cell phone. I dialed the extension for XXXX, but my call was answered by someone named XXXX. 
XXXX barely let me speak and was so rude and nasty I don't understand how or why she still has a job. She had the audacity to tell me I may as well cancel my {$60.00} partial payment ( which would have resulted in a {$35.00} stop payment fee to me ), threatened to reposses my car as if it belonged to her personally, and when I asked to be transferred to someone else, she hung up on me. 

I don't appreciate being threatened with repossession at XXXX XXXX XXXX especially not when I suffered a XXXX XXXX in XXXX and am still in recovery. 
I was laid off from my job in XX/XX/XXXX and suffered a XXXX XXXX in XX/XX/XXXX. I have been in recovery for 6 months and unable to work. I was JUST cleared to look for work a few weeks ago and my payment history wasn't bad before these events. 
XXXX doesn't appear to have been trained on how to be professional when speaking to customers ; she spoke to me as if I were less than a person because I'm not yet able to make my missed payments.
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mitsubishi Motors North America, Inc. (CA)

Identify theft Then cherges made Inquiries Attempts for.loans 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 2022-07-24
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. (TX)

XXXX XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct 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 2021-04-13
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: EQUIFAX, INC. (NC)

Equifax has not written to me with the results of investigation about account- I've disputed for well over 6 months. 
I called Equifax and still using telephone hold on switching back and forth with me to different people. 
My credit score and employment opportunity has been harshly affected. 
Equifax also violated my FCRA Rights and I was included in the Breach Settlement when I typed in my Social. Security number but haven't received any monetary or 10 years of free credit monitoring or 7 years of free identify restoration services or 6 free Equifax Credit Reports during a 12 month period.

On my credit report with notification I am a Victim of Identity Theft with my police report faxed to Equifax .Federal Cares Act stated that because of the pandemic that credit bureaus must not report the negative items that hurt my buying power while I contacted my debtors as Federal Law stated I do. Therefore, I went beyond that I'm doing a lot to keep the certain bills I made to pay them on time. 
This Credit Bureau Equifax has not been delivered to me any results of several disputes of this same Alledged XXXX debt after 30 days. While still using deceptive practices and removing this error while been investigated and deleting this error off permanently.

This has caused me to loose jobs, contracts, board seats and financing because of Equifax 's non- transparency to immediately remove this item from my credit report. 
The hurt it has caused my good name before and especially during this Pandemic is more than anyone must bare. Equifax refused to remove this only negatively harmful item maliciously and willfully denying my credit rights.
Consumer complaint received 2018-04-26
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: CAVALRY INVESTMENTS, LLC (VA)

I asked for the company to validate the debt and proper validation was not given. Instead in XX/XX/2017 some kind of statement was sent and not an actual contract.
Consumer complaint received 2023-03-17
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. (IN)

On XX/XX/2023 I became aware that Equifax was not releasing my credit report information as requested by me the consumer. I have been unable to view any of my credit report information on Equifax 's official website, or myFICO, for over 30 days, which is a direct violation of my rights as a consumer, pursuant to the FCRA. I have contacted Equifax to have this issue fixed, with no success. They told me my case had been escalated to their technical team and that I would be contacted. I have not received any further communication from them regarding this matter.
Consumer complaint received 2018-08-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NC)

Trying to buy a house and get a mortgage. There is a negative thing on my credit report that says I owe over 27,000 . The company that is listed on my credit report is Transworld sys inc/ XXXX XXXX XXXX . I called them to ask them about the debt. The date listed on my credit report was XX/XX/XXXX. I never took a loan from them, never got a letter from them. My last loan I took was in XXXX. The only loan to my knowledge that I owed money on was from key bank. I havent made a payment to them since XXXX. And that loan was for XXXX $ I told them in XXXX when I was having financial trouble that I cant afford the payments. They started to call my XXXX year old daughter cell phone asking for money. Im an emergency room nurse, and was calling my work everyday. I told them to stop and they kept calling and harassing me. So, I stopped paying them. I have paid off, or charged off XXXX $ in school loans since XXXX. And worked hard to get out of debt and own a house again. 
When I called this XXXX XXXX XXXX, they found me in the file but would tell me the loan I apparently took out. I asked for proof of debt, promissory note, etc. they said they didnt see any in my file, and told me they never sent me a letter of debt or settlement. My mortgage loan broker tried calling them, they said they will fax proof of debt, but never faxed them anything. Now they are refusing to talk to me or him. This might cost me this house, stress, is hurting my credit and costing me a higher interest rate. The underwriter wont go threw with the mortgage with this on my credit. Regardless, if this turns out to be from key bank or XXXX, then the last time I made a payment was 5 years ago. What I rdo ad and was told that after 3 years is the statute of limitations. Please help me, rectify this situation, cause I think they have no proof that I even had a loan. Cause if they did, they would send me it, and wont. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX