davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
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Consumer complaint received 2021-01-25
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: BARCLAYS BANK DELAWARE (CA)

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-03-01
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (CA)

I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.
Consumer complaint received 2023-01-11
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. (UT)

I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX  DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
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. (UT)

ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with XXXX XXXX XXXX XXXX to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with XXXX XXXX XXXX, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the XXXX XXXX XXXX customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before Experian, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the XXXX XXXX XXXX customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of XXXX XXXX XXXX at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with XXXX XXXX XXXX but I have not received the necessary attention and I also tried to solve it with Experian but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.
Consumer complaint received 2023-01-11
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. (CA)

The following inquiries made by XXXX XXXX Companies are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from equifax data breach XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date  XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXXXX/XX/XXXX The following inquires made by XXXX XXXX XXXX are fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from equifax data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from equifax data breach. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2019-11-11
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: CITIBANK, N.A. (VA)

Citi is showing that I made a charge on XXXX in the amount of {$270.00} at XXXX. I've disputed the charge to no avail ; they say that the chip on my card was used. I've told them that even the merchant ( XXXX ) doesn't show in their Point of Sale system evidence of my card being used ; I've provided my correspondence with XXXX to them. I've called multiple times and had the dispute re-opened at least twice. No one ever reaches out to me in follow ; instead, I am always the one having to follow up. Finally, a few weeks after this happened, they closed my account and had to reissue my credit card ... so they obviously know my old credit card number was compromised!
Consumer complaint received 2019-08-11
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: EQUIFAX, INC. (GA)

On XX/XX/2919a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed byXX/XX/2019 another 45-days.

OnXX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

Car accident on XX/XX/XXXX and car was totaled per insurance adjuster. Received letter from Kia Finance dated XX/XX/XXXX stating " This letter serves as confirmation your insurance company notified Kia Motors Finance that your vehicle was deemed a total loss ... ... .Monthly payments are not required after the date of loss. '' Received letter for missed payments on XX/XX/XXXX, XX/XX/XXXX ; Notice of Default XX/XX/XXXX ; Statement of past due amount XX/XX/XXXX. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX who said account is pending payment from insurance, and no derogatory reporting will be reported to credit bureaus. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX in Customer Svc - who referred me to XXXX XXXX in Collections - who transferred me to XXXX in Customer Svc -- who told me since this is a lease with claims, no payments required and nothing would be reported to credit bureaus. 

Called XXXX XXXX on XX/XX/XXXX and was told they are waiting on letter of guarantee from Kia. 

Received letter from XXXX XXXX dated XX/XX/XXXX stating they were still waiting for letter of guarantee. 

Called Kia on XX/XX/XXXX and spoke with XXXX who stated they sent letter of guarantee to XXXX XXXX on XX/XX/XXXX, and resent via fax and email on XX/XX/XXXX, but would take 2-3 days to be processed. 

Why are we receiving " attempts to collect a debt '' when initial letter said payments not required from date of loss, XX/XX/XXXX. Our jobs may be negatively impacted if this is reported as late payments or collections to credit bureaus.
Consumer complaint received 2023-01-11
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. (CA)

The following inquiries made by XXXX XXXX Companies are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from XXXX data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquires made by XXXX XXXX XXXX are fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from XXXX data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from XXXX data breach. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-13
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. (FL)

On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX  inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I contacted Equifax Credit reporting agency back in XXXX, I notified them about a incorrect hard inquiry on my credit report. I placed a freeze on my credit and included a fraud alert. They refuse to contact the company XXXX XXXX to resolve the issue. I contacted Equifax three times. I keep getting a run around and incorrect dispute filings on behalf of the representatives. This is unfair business practices. I also spoke directly with XXXX XXXX that the inquiry was not made by me. I was notified that they had a different address and phone number, and it is indeed fraudulent activity. I shared this information with Equifax and they refuse to do anything to assist, even contacting the creditor. This seems to be a very unfair practice by Equifax, as other credit bureaus do not have this item listed on my report. I was directed by the Federal Trade Commission to report this action by Equifax.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My mortgage loan is currently serviced by Bayview Loan Servicing ( BLS ). Due to serious accounting issues that were discovered through QWR, Bayview agreed to work through the loan modification process to mediate the issues. BLS has now refused to underwrite the loan modification submission and will no remit a copy of the denial. BLS is required per HUD and CFPB law to remit a copy of the loan modification denial, in order to allow for a formal appeal to be entered. Furthermore, BLS has set a foreclosure sale date of XXXX, without granting allowance for a formal appeal. The CFPB law that was revised in 2014 clearly states that homeowners must be clearly informed during the entire loss mitigation process, so they can take the necessary steps to avoid foreclosure. BLS has clearly violated the CFPB law, so I am seeking your assistance on this matter.
Consumer complaint received 2022-08-09
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. (NY)

XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, XXXX, and Equifax credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34.

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, XXXX, & Equifax ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (AZ)

XXXX charged off my debt and MRS BPO LLC took over the account. I contacted MRS BPO LLC. Resolved my debt back in XX/XX/2019. XXXX has not reported to the Credit bureaus that this debt has been resolved.