davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

After receiving my consumer report from Experian, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Experian is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Experian willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Experian is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-14
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: CCS Financial Services, Inc. (AZ)

CREDIT COLLECTION SERV Account XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is still showing as a collection. It shows as paid but needs to be removed from the collections section on my XXXX credit report only. I have spoken to them and they have told me they don't remove it which i'm fine with, but it needs to be moved out of the collections part and into the part that shows paid with other collections that have been paid but not fully removed if that makes sense. I don't think they understand this part and every time I call I get met with hostility.
Consumer complaint received 2022-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all XXXX credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has XXXXfraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.
Consumer complaint received 2022-05-05
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)

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US 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 2022-05-05
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: MARINER FINANCE, LLC (OK)

On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all XXXX credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has XXXXfraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have consistently received low credit reviews from Transunion. In trying to find out why, I ordered a review of their file which they've been building since I became a widow. 
There are several listed which I've never used, some which I closed because I moved from the West Coast to Ark., and the stores don't exist here, so I stopped using them. There are then a few which I do not recognize and do not believe I have ever used. 

I changed my basic banking/brokerage system last year from XXXX XXXX XXXX to XXXX XXXX. There is no indication that this report is even aware of it. Since using XXXX, my reports are much better. The use of XXXX XXXX XXXX XXXX should have been deleted or at least updated, since that is not only my bank but also my brokerage account. I was able to simply move money from the brokerage side to the banking side any time I needed to. This report does not even indicate the fact that my monthly balance included the totals of my brokerage account along with my bank balance. Therefore, your report seems to indicate I have an incredibly high total of expenditures when the balance is made up of both sides : banking and brokerage. 
I hope this can be corrected to reflect these changes, as I believe it will show my only sin, in your eyes, is to be late on paying several accounts. I have committed that sin under the belief that the longer my money stays in my bank I am earning interest on it. I have never once in my XXXX years of doing business as an adult failed to pay for anything which I have bought. I use a different system, as I said, in order to keep my cash in my bank as long as possible before moving it into the " cash '' side, at which point my bills are paid.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (HI)

An author that I follow & trust on XXXX named XXXX XXXX started posting information about her bitcoin investments with this woman named XXXX & highly recommended her. I began messaging on XXXX with whom I thought was XXXX XXXX on XX/XX/22 about bitcoin investing. I made a {$1500.00} XXXX into the account she had me create in the Gemini App & then transferred the funds to an account she had me create at XXXX. On XX/XX/22 I was contacted through my email account XXXX & was contacted by XXXX through XXXX. They said to be able to withdraw my investment I would need to upgrade my account, which would require a payment of {$2000.00}. I made another XXXX for {$2000.00}. Then I was messaging with XXXX on XXXX & she had me check my investment at my account at XXXX. It stated that I had a profit of {$35000.00}. She recommended withdrawing {$300000.00} & keeping {$5000.00} in the account to continue investing. She told me to email XXXX & request the withdrawal. After I did so I received an email from the support team at XXXX stating that I would need to pay the 10 % commission prior to them depositing my profit into my bank account. This time XXXX recommended wiring the money ( {$3000.00} ) to the Gemini App., which would make my withdraw/deposit faster. I did so on XX/XX/22 & then was emailed by the support team of XXXX again stating that the IRS had frozen all funds & that they wouldn't be able to deposit my funds until I wired them another {$3000.00}. This is when I realized I had been scammed : (
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have had fraud and identity theft accounts were open that I did not authorize by a family member, I was XXXX  and I have proof, I will upload my XXXX  dates and I have filed a report with the federal trade commission, I will like for these things to be removed from my credit report due to I was XXXX XXXX and did not give permission for anyone to open anything in my name
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i
Consumer complaint received 2022-03-14
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. (IL)

This company equifax must remove the inquiries immediately. I didn't authorize these inquiries. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
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. (GA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After receiving my consumer report from Transunion, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC (CA)

Purchase car and used their own Loan Company BMW Financial and loan started from XX/XX/XXXX on my wife 's name, XXXX XXXX XXXX, but I was secondary ( XXXX XXXX ) From 1st Month onward, I had setup auto payment on my bank account.
I have completely paid off my Auto Loan as of Today.
For 2 months, XX/XX/XXXXand XX/XX/XXXX, due to BMW 's technical glitch in bill payment system ( which they agreed on phone ), they kept charging on my old account.
Initially they charged 2, {$25.00} late fees of {$50.00} total. But after a series of phone calls and emails, they agreed their mistake and " Adjusted the late fees '' and credit me back {$50.00}. They NEVER informed me, that their automated system had already sent this to credit bureau, without, properly checking detailed about my payment and the issue.
I had contacted them several times and talk to them, but they wo n't remove the entry from bureau, even it was their mistake. They have been extremely arrogant, adamant and unfair with someone like me, who has always paid on time, set auto payments.
I am kindly requesting, and hopeful you guys can help me out here, as I am planning to buy a house, and this is negatively impacting my score.
Thanks in Advance.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (ID)

On XX/XX/2022 I mailed Resurgent Capital Services a Debt Validation Letter and it was delivered certified mail on XX/XX/2022. On XX/XX/2022 I received a notice that they received my validation letter and mailed me three debt collection attempts instead with very little of the information I asked and are not able to Validate any of the additional information I requested.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment for the past due amount of {$200.00} on last week & Capital One/Kohls hasnt posted the payment. As a result this has lowered my credit score & escalated my utilization. This error needs to be corrected immediately
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda financial services is not sending me the documents I need to register my leased vehicle in the XXXX of NY. They have kept me waiting for XXXX weeks so far. Every time I call, the representative I talk to feeds me lies and starts gaslighting me, with absolutely no reason. I keep paying for a car that I can not use. This is causing me major issues with my job and affecting my mental state and my anxiety. I want my documents and Honda must send them to me.
Consumer complaint received 2022-05-05
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. (SC)

The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2023-01-17
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: CREDIT ACCEPTANCE CORPORATION (TN)

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
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (FL)

HELLO IM CONTACTING YOU ABOUT HUNTER WARFIRLD INC I BELIEVE THEY GO BY XXXX XXXX XXXX THEY HAVE BEEN HARASSING ME AND THREATING TO FILE LEGAL ACTION WHEN THE ACCOUNT WAS FROM BACK IN 2010 IT HAS BEEN PASSED 7 YEARS AND THEY ARE STILL ADDING IT TO MY CREDIT REPORTS I HAVE TRIED TO TALK TO THEM BUT THE DEBT COLLECTORS WERE SO RUDE TO ME AND BE CALLING AFTER HOURS WAKING ME OUT MY SLEEP THEY HAVE LEFT SO MANY MESSAGES ON VOICEMAIL ABOUT THIS MATTER I JUST WANT THEM TO STOP.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had a store card with XXXX XXXX XXXX XXXX I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for XXXX XXXX that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BUSEY BANK (IL)

I have had fraud 2 times in the past 2 months. This last time the bank allowed someone to use XXXX to take all the money from the account. {$380.00} to be exact! I saw what happened and contacted the bank. I explained that I never use XXXX! Why should I when there are other means to send money? They cancelled my account!!!