davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
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: LEXISNEXIS (PA)

In XXXX a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to XXXX by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''. 

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to XXXX, knowing they are in violation of Federal Regulations and XXXX is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or XXXX to the letter of Federal Regulations
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (TX)

Filed a previous complaint XX/XX/2020 for Discovercard sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a Discover debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough XXXX XXXX XXXX. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
Discover gave me a phone number to call XXXX XXXX XXXX that is not a working number, and just answers and hangs up, leaving no way to reach XXXX XXXX XXXX. to try to resolve the matter.
Consumer complaint received 2021-10-26
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. (GA)

I have contacted Equifax on numerous times via phone and I have also sent in many disputes about fraudulent credit inquiries on my credit profile, I have also sent in a copy of my identity theft report and still the fraudulent inquiries remain on my report. I contacted Equifax on XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : 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 XXXXXXXX
Consumer complaint received 2024-03-03
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. (NV)

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 2023-04-07
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: AMERICAN EXPRESS COMPANY (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2018-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( quicken/XXXX ) loan. We called quicken to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. 
Our property remains in a disaster affected area but quicken loan has reported a 30 day late payment twice during this time. We ask quicken to rectify this as soon as possible. 
In addition, this is the second time we ask quicken to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX of XXXX, vehicle finance managers are requesting co-signer based on the credit report negative deficiencies inaccuracies. 

The XXXX XXXX is showing negative, inaccurate lien holder, lack of increase of credit score. A XXXX XXXX XXXX and a XXXX is a positive credit history, non-report, and depleted. All collections accounts are under a hardship program for me which does not show in the credit reports. A loan for {$56000.00}, {$27000.00}, {$36000.00}, and {$22000.00} school name is N/A consolidation does not match outstanding balance or loan amounts. Because of all of these deficiencies, there is no brace or aid that will suffice all The ruins on my credit report. 

To resolve, I dont want my name and character to be ruined or denied. I dont want creditors to deny cause of that info in my report. 

Please get back with me in 7 days or by the XXXX for a resolution change in credit report account information to meet creditors needs. 

Thank you, XXXX XXXX
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (OH)

See thru XXXX XXXX that XXXX is showing a debt ( XXXX doesnt have this on their report ) from a company called XXXX XXXX XXXX for XXXX in the amount of {$640.00}. I have disputed this on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing negatively on my report. Says this was opened in XX/XX/XXXX. Again I am not aware of this as I have not gotten any information on it.
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Case # XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number : Do not give the account number supposal I debt Re : Collection Practices of : XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : I would like to file a formal complaint against XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. for actions taken while trying to collect a debt. And submit garnishment against salary or wages and another situation is as follows : I have received your CALLS regarding an overdue amount for {$8000.00} and try to contact you, but nobody helps me because my info does not match with your file and it is impossible give more information. A request in Court file GARNISGMENT against me. 
You are charging the wrong person in your file you do not have my correct name My social security does not correspond. 
My date of birth corresponds to a person much older than me. 
Filing lawsuits that are fraudulent and inaccurate. 
Filing lawsuits against me who are not the owners of the debt. 
Filing lawsuits that are past the statute of limitations for Florida. 
Not having proper documentation for the debt, say I owe. 


Please investigate this matter and have these practices stopped. You can contact me at XXXX or email me at XXXX or fax at XXXX. 
Sincerely,
Consumer complaint received 2018-02-03
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: Experian Information Solutions Inc. (OH)

I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.
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. (MI)

On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX bank at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX bank at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/2017, I received a letter from XXXX XXXX, XXXX, Fl XXXX saying that they sold an XXXX XXXX XXXX XXXX account to Portfolio Recovery Associates, LLC. This is the first time I learned to have an account with them. I live in XXXX  XXXX, XXXX and I never heard of a XXXX XXXX  before. 

On XX/XX/2017, I received a letter from Portfolio Recovery Associates, LLC. They want to help me resolve the issue. 

On XX/XX/2017, I wrote a letter to Portfolio Recovery Associates, LLC, explaining my concerns about the credit card issuer. 

On XX/XX/2017, the PRA Disputes Dept. said a review of documents related to the account in question was made. It said the documents were enclosed but I did not receive such documentation. 

Then, threatening phone calls followed. The collector 's agents used foul language to persuade me to pay. I was even told that they could damage my credit record if not pay as soon as possible. 

Because of my previous encounters with the collection agency, I ignored the issue and avoided their calls. 

On XX/XX/2017, I finally decided to submit a complaint to Federal Trade Commission, consumersentinel.gov with reference no. XXXX. 

To this date, that complaint remains unresolved. I am submitting this second complaint because Portfolio Recovery Associates, LLC has submitted another adverse issue to my credit report and has doubled the amount owed.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a certified letter asking XXXX, XXXX, and Equifax to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated.

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.
Consumer complaint received 2022-11-16
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. (TX)

XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with Transunion on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (MA)

I opened an auto loan account with Wells Fargo in XX/XX/2019. I made the final payment on XX/XX/XXXX for the full payoff amount on the Wells Fargo online portal. I received no confirmation via email or no updates since the final payoff. 

2 days later, on XX/XX/XXXX, when I attempted to login to the online portal, the system rejected my login and does not allow me to access any of my loan documents, statements etc. Further, when I try to call the customer service line to Wells Fargo, I am directed to an automated verification system that no longer recognizes my account number OR my social security number. In effect, Wells Fargo appears to have closed the account WITHOUT any confirmation or notice and, more importantly, has not sent me a loan release document OR returned my car title. 

When I get through to the general customer service line, they tell me they are helpless and I need to go to the nearest branch, which is in an entirely different state, over 100 miles away. I am at a loss to how a federally recognized financial institution is able to get away with defrauding customers in this fashion, with no confirmations, no receipts, no notices to account closures and without returning car titles upon loan payoff.
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act 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 2019-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

A merchant owed me a lot of credit which was promised would be credited back. the merchant was supposedly a victim to a load of counterfeit goods which he claimed placed him in financial stress and he was unable to pay back fast enough his customers and creditors. ultimately, back in XX/XX/XXXX & XX/XX/2019 Capital One received all these credits back to my account. my account currently has $ XXXX in a credit balance. I had requested a refund for my credit balance to be mailed back to me, they told me it would take 7-10 days, but its been 2 weeks and they have not refunded me. when i called to follow up, they are telling me now it could take 90 days. I believe this is totally improper and base don what I've read, the bank is legally obligated to refund me within 7 days.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a continuation of CFPB claim number XXXX Because of that claim, which was immediately sent to Bank of America on Monday XX/XX/2021, on Friday XX/XX/2021 at XXXX I received an email from XXXX XXXX ( XXXX ) ( included a copy in this claim ) which said XXXX XXXX is now my point of contact for this claim. And he must speak to me on the telephone FIRST before he can review this claim to ensure my identity. His hours of work are XXXX Pacific time Monday through Friday. 
So he sent this email to me after he was already not available by phone on Friday. 
So I wait the entire weekend, and start calling the number in the email at XXXX and everytime I called ( 23 times between XXXX PDT ), and each time got a numbered voice mail box ( XXXX ). I left a message 3 or 4 times. 

I finally sent a reply to him in the email how frustrating this is to wait all weekend to speak to him and he never answers the phone. 

This is a completely fraudulent way of setting this " resolution '' system. 
1. this is a debt collector 2. they set the terms that I must speak to him via telephone before he can review the claim, yet he never answers the phone. 
3. I am supposed to wait indefinately for a callback or just keep calling a number that is never answered. 
4. he put a deadline for this telephone conversation at XX/XX/XXXX. 
I have absolutely no control in making that happen because they do not answer the only phone number and extension they gave me. 

This is a system set up to fail the customer. This should be illegal. 

I contacted my Senator, XXXX XXXX 's office today and they said their casework group would contact me. 

Bank of America should be shut down for failure to treat clients fairly. And if laws don't already exist to prevent this kind of shell game and one-way street, there should be some enacted NOW!