davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (GA)

AMERASSIST AR IS REPORTING CHARGES TO THE CREDIT BUREAUS AND CONTINUE TO ATTEMP TO COLLECT A DEBT FOR A PRODUCT I DID NOT RECEIVE. 
THE SERVICE IS FOR XXXX XXXX AND UPON RECEIPT OF THE ORDER, I PROMPTLY RETURNED THE PRODUCT AND CANCELLED MY ORDER FOR A FULL REFUND DUE TO THE DEFECT IN PRODUCTS UPON ARRIVAL. CALLS TO BOTH XXXX XXXX ASKING THEM TO LET AMERASSIST KNOW ABOUT THE CANCELLATION HAVE BEEN MADE AS WELL AS NUMEROUS EMAILS. AMERASSIST KEEPS REFERRING ME BACK TO XXXX XXXX. SO WE DO N CIRCLES. MEANWHILE, I AM NOT PAYING FOR A DEFECTIVE PRODUCT AND A SERVICE THAT I RETURNED, CANCELLED AND HAVE NOT USED.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NV)

InXX/XX/XXXX my wife and I got a pre-qualification letter from US Bank and using that we put an offer on a house we liked and our offer was accepted. When we went back to the lender to start our application our assigned loan officer, XXXX XXXX, told me he can not start the application because we will not get approved and the file will be cancelled. I did not want to lose my earnest money so I begged him to start the application and let it be denied but he said that his boss ,XXXX XXXX told him that this file will not be approved and she does not want to have a cancelled file in her team.When I asked for the last time to please start our application he said sorry buddy.We had to go to another lender and start our application but we lost the rate that US Bank was offering and also my employee's discount. I went to my supervisor and told him that this is a violation of fair lending and regulation Z and I want to complain but he said since you are working for mortgage you will lose your job if you file a complaint. I am filling a complaint now because I don't work for our mortgage department any more. Working at mortgage taught me that customers and their interests comes first and what they did to us was unfair and cruel.
Consumer complaint received 2022-04-07
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: NAVY FEDERAL CREDIT UNION (TX)

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

The term " investigation consumer report '' means a consumer report or portion thereof which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtains 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 any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reposted is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give anybody written Instructions
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (HI)

XXXX ( ID number XXXX XXXX a customer service agent for Citibank was rude and not helpful when I tried to remove someone from my authorized user list. She stated that she needed the social security number of that person. She could not explain why she needed it or give me the option of removing the person without it. 
She was rude and talked over me several times. 
I asked for her XXXX  and she said one is not avaiable and I should call back in 30 minutes. 
I said I wanted a call back and she said she couldn't do that. 
Then she said the call was unproductive and she hung up on me. 
The time and date of the call was XX/XX/2021 at about XXXX to XXXX XXXX. 

In the end, I did not get the person removed and had to call back again to talk to another person to get the name removed.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against XXXX, XXXX, and Equifax and have them take them fix these issues.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024 i sent in my Dispute to Experian using USPS certified mail XXXX. I requested that Experian provide proof of investigation and proof of negative payment status for the following accounts showing on my credit report : XXXX XXXX  Flexible spending credit card with account # XXXX XXXX XXXXXXXX XXXX XXXX with account XXXX XXXX XXXX Charge account with account # XXXX Experian responded that accounts were updated but all information remains the same on my credit report. Experian also DID NOT provide proof of investigation and proof of negative payment status for the following accounts listed above. I request that these accounts be removed from my account immediately The FCRA requires credit reporting agencies to report accurate and complete information. Under the FCRA, these agencies and the entities that provide them with credit information ( like lenders ) are responsible for correcting inaccurate or incomplete information in your report ( 15 U.S.C. 1681e ( b ) ).

If a consumer disputes the accuracy of information in their credit report, the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate ( 15 U.S.C. 1681i ( a ) ). If the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Entities that provide information to credit reporting agencies ( furnishers ) must also ensure the accuracy of the information they supply. If a consumer disputes the accuracy of this information, furnishers are required to investigate the dispute and correct any inaccuracies ( 15 U.S.C. 1681s-2 ).
Consumer complaint received 2021-07-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX. I am not a 3rd party. I am who I say I am. This is my second time submitting a CFPB complaint and I am bothered that my complaints are being dismissed. I have been filing disputes with XXXX, XXXX  and Transunion since XX/XX/2021 and have not received information regarding their investigations. I have also filed an FTC report in regards to the inaccuracies being displayed on my credit report.
Consumer complaint received 2017-12-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from Equifax, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with Equifax as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Consumer complaint received 2017-12-23
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: ENCORE CAPITAL GROUP INC. (PA)

Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified
Consumer complaint received 2020-10-27
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. (FL)

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX  XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

WE REPORTED UNAUTHORIZED CHARGE (FRAUD) TO CHASE MARRIOTT VISA FOR A TRANSACTION SHOWN ON THE MONTHLY STATEMENT.  IT WAS $XXXX  CHARGED BY XXXX XXXX ON XX/XX/2019.  HOWEVER, WE DID NOT AUTHORIZE THIS CHARGE NOR HAVE ANY KNOWLEDGE ABOUT WHO THIS MERCHANT IS.  THE TRANSACTION HAPPENED DURING OUR TWO-WEEK TRIP IN XXXX BACK IN XX/XX/2019.  MANY SMALL SHOPS / RESTAURANTS HAD POSSESSION OF OUR CARD, AND THE CARD WAS OUT OF OUR SIGHT MANY TIMES WHEN THE MERCHANTS BROUGHT IT TO CARD READER IN A DIFFERENT ROOM. CHASE CLAIMS THAT XXXX XXXX CHARGED $XXXX VIA THE NEW CHIP ON OUR CARD, THEREFORE, CHASE DECLINES OUR CLAIM ABOUT THIS UNAUTHORIZED TRANSACTION AS FRAUD.  WHEN ASKED CHASE IF THE MERCHANT WOULD PROVIDE OUR SIGNATURE AS PROOF, THE REQUEST WAS DECLINED AS CHASE STATED THAT THIS WAS NO LONGER NECESSARY WHEN TRANSACTION OCCURRED WITH THE NEW CHIP ON CARD FEATURE. AS A CONSUMER, WE BELIEVE CHASE IS USING THE NEW CHIP ON CARD FEATURE TO VOID ITS PROTECTION LIABILITY AGAINST CREDIT CARD FRAUD. CHASE FAILS TO FULFILL ITS RESPONSIBILITY TO CUSTOMERS.
Consumer complaint received 2023-02-01
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 2023-02-01
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. (MI)

Accuracy and fairness of credit reporting ( 4 ) There exercise their grave responsibilities with the fairness, impartiality and a respect for the consumer right to privacy. 15.U.S. code subchapter lll credit reporting agencies. In general subject to subsection ( c ), any consumer reporting agents May furnish a consumer report under the following circumstances and no other. ( 2 ) and accordance with the writing instructions of the consumer to who it relates.

1681 ( I ) Prohibition ( a ) reporting information with actual knowledge of errors a person should not furnish any information relating to a consumer to any consumer reporting agents if the person knows has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in XXXX  days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff XXXX weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is XXXX XXXX XXXX on behalf of XXXXXXXX XXXX XXXX XXXX XXXX. I just want to be done with Bank of America, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (CA)

This company coerced my husband and I under extreme pressure into signing a contract. It was from XXXX pm until XXXX pm on our XXXX Anniversary. We were told we would not be pressured and it would be only a few hours. They picked us up at XXXX XXXX XXXX XXXX and took us to another facility. After I told them we could not afford the timeshare, they kept reducing it. My credit didnt go through and I was relieved that I couldnt pay them but they kept coming up with another plan. By XXXX I was tired and wasnt thinking straight. I didnt think I could cancel when I regretted the very next day signing a contract with them. I thought it was too late. I have never used their services. Not once. I am very unhappy that my credit report will be so bad forever because of their reporting methods. It is fraud and companies like this should not operate. We can not afford. My husband is XXXX XXXX XXXX and our income is low. We are not healthy to be traveling as well. In principle I do not feel I owe them anything as we have never gotten anything in return. Please help us. Thank you.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Letter from Resurgent saying an original XXXX XXXX, XXXX, and current owner LVNV Funding LLC, are trying to collect a debt of XXXX. I am not familiar with any of these companies or this debt. They letter was also address to my Maiden name which I have not used in 19 years.
Consumer complaint received 2022-04-28
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. (MI)

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

ChexSystems reports to banks and credit unions that there is a security freeze on file. I have removed my fraud alerts from every company involved. Also I never had a freeze with ChexSystems. I dont appreciate the employees half doing their jobs by stating that I dont have a freeze with ChexSystems but fail to realize that credit unions and bank say otherwise.
Consumer complaint received 2022-04-28
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, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

On XX/XX/2021 I paid a settlement amount of {$1200.00} to Portfolio Recovery Assoc LLC with the PROMISE of a Full Deletion from All reporting Credit Bureaus. Today I received an ALERT from XXXX  showing an outstanding balance of {$2800.00} owed to Portfolio Recovery. I have DISPUTED this account numerous times with all 3 credit bureaus to NO success. I have open disputes and sent them copies of letters from Portfolio and this account is till showing on my credit profile. I called today and spoke to XXXX XXXX who was no help. I asked for a Supervisor ; I then spoke to XXXX XXXX who said he look at my credit report. He said nothing more.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (AZ)

i had auto and home insurance with XXXX XXXX which was for six months. I switched to another insurance company which i have had since the six months were discontinued. the only reason i left because they were too expansive. I received a credit collections for {$330.00} from a collections company and i am not sure why since i don't have that contract with the insurance company. 

My cancel date XX/XX/XXXX auto and home insurance XXXX XXXX cancel date XX/XX/XXXX Date for Collections XX/XX/XXXX XXXX
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (IL)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.