davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (MI)

I recently obtained a credit report from Equifax and since then I have been in severe duress. Given that there is an account on my report from XXXX XXXX XXXX - Account Number : XXXX. 

Regarding the confidentiality, accuracy, relevancy, and proper utilization of such information it is a violation of the Fair Credit Reporting Act permissible purpose provisions and my consumer privacy rights. 15 U.S. Code 1681b ( a ) states that consumer report agencies are strictly prohibited from using or obtaining consumer reports without a permissible purpose or my written consent.

Accordingly, under 15 U.S. Code 1681 ( a ) there is a need to ensure that all consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, accuracy, and a respect for the consumers right to privacy.

Furthermore, 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 according to 15 U.S. Code 1681s2.

Pursuant to 15 U.S. Code 1681i ( 5 ) information that is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Consumer complaint received 2021-05-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Because I am XXXX and they would not take my payment out of my Debit Card, like the last three mortgage servicing companies, I was forced to leave my home , drive to the bank, stand in line, get a cash advance from my other bank and either buy a USPS Money Order, or a Cashier 's Check , drive to the post office, stand in more lines and mail off a certified letter with the payment inside! All the while in excruciating pain!

When I told them I was going to refinance at a lower rate, they lost the next payment! They claimed that I missed two payments on my VA secured home loan about three years ago, but I did send the money to them in Certified letters that they signed for, but never credited to my account. They hounded me for over a year until I finally filed a law suite against them. They continued to report me late and hounded me for almost three years, and refused to deliver the materials he requested. Their actions caused me great physical and mental distress, huge expenses in both direct costs due to higher interest rates and lost opportunities. I was forced to sell my home to try to get away from them, which I did at a great loss. I could not buy a second home because of their malicious and false credit reporting. If they had not destroyed my credit, I could of had dozens of homes to choose from at then bargain basement prices, but which are now much more expensive, some even double as much! 
If you doubt any of this, call my Lawyer! He has a file two inches thick with my proofs AND all of the exact dates of this entire episode of their terrible actions!
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (FL)

XXXX XXXX was opend on XXXX XX/XX/2024 for this company and it is an unauthorized inquiry ..... 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.
Consumer complaint received 2022-01-11
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)

Transunion & XXXX is reporting DEROGATORY which is inaccurate the following XXXX XXXXXXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with Transunion & XXXX multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( Transunion ) Account No. XXXX XXXX {$560.00} ( XXXX ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES
Consumer complaint received 2020-06-04
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. (OH)

****Hello, My name is *XXXX XXXX* XXXX I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : _XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : FIRST FEDERAL CREDIT Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2019-03-15
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)

XXXX XXXX is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

My wallet and cell phone were stolen on XX/XX/2021. I actually had to file a complaint about the other Bank that had not returned my money from that account. Now Chime has FINALLY made a decision about the transactions that were unauthorized on that account and what they did was contact the companies that the transactions were with and ask them for a refund. 2 out of the XXXX issued full refunds. XXXX refunded {$3.00} out of {$75.00} and I refuse to take that. Now keep in mind the theif stole my items, took XXXX to the casino, withdrew {$20.00} from an ATM at the casino then took the XXXX where ever they went that cost almost XXXX bucks. Now Chime refunded the ATM withdraw and the other transactions that happened when the theif arrived at the place they were going but what it cost to get there is my treat? No and not to mention all of the trauma of dealing with being robbed but then the people that are supposed to protect my LIVELYHOOD are robbing me of it as well. It is unbelievable to me and I have closed all the accounts wirh Chime. I want them to send me a check for the {$75.00} and {$11.00} that they have no idea where it is or why they have it but it is gone from my account and I want nothing else to do with them.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa XXXX.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (FL)

I have been a victim of identity theft, I currently have a fbi working with me. XXXX suspects opened and charged high amounts on a lot of credit cards. XXXX of those being XXXX accounts with elan financial services XXXX and XXXX. Please advise Elan to remove the charges and accounts from my reports please.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

On XXXX XXXX, 2022, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XXXX XXXX, 2022, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by XXXX points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Consumer complaint received 2023-03-02
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. (IL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the fair credit Reporting Act XXXX Account # XXXX  XXXX XXXX Dept of ED/XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, U.S. DEPT OF ED - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

ON WEDNESDAY XX/XX/year> MY HUSBAND XXXX XXXX AND I WENT TO XXXX XXXX XXXX, XXXX AND I WERE TAKEN ON A XXXX  AUTO XXXX XXXX LOAN THROUGH CAPITAL ONE, THEN THE DEALERSHIP CALLS BACK, LIES, AND HAD TO COME UP THERE TO MAKE " THE PAPERWORK DISAPPEAR '' XXXX THE MANAGER HANDLED TOWARDS THE END. I WANT MY CREDIT SCORE RESTORED BACK, XXXX FALIED TO TELL US ABOUT A XXXX THAT WAS SERIOUS TO WHERE THEY HAD TO TAKE IT BACK
Consumer complaint received 2020-01-22
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. (NE)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-29
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: Experian Information Solutions Inc. (PA)

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4200.00} XX/XX/2017
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I called Citizens and applied over the phone for a cashback credit card with Citizens a couple of months ago. The agent told me I was approved to open an account with a {$3500.00} credit limit. I told the agent that credit limit was far too low and not worth having on my credit report, and that I did not want to proceed with opening the account. 
The agent said she could not stop the process and that I would need to talk to a different department to request a higher credit limit. I said I didn't want the card at all, and I told her I would simply throw away the card and not use it - thereby not accepting the terms. 
( I never received a written copy of the terms and conditions until the card arrived in the mail, and I never activated or used the card. Therefore I never agreed to the terms and I am not bound by the card agreement. ) A month later I saw the credit card on my credit report, and I called Citizens to tell them I never activated the card and did not want the account. The agent tried to tell me that once I apply, there is nothing I can do to avoid opening the card. I know that is not true because TILA requires the card issuer to provide a written copy of all terms and conditions, and the consumer can decide not to accept the card after the consumer has reviewed the card agreement. Moreover, I never would have submitted an application in the first place if I had known that Citizens would offer me a paltry {$3500.00} credit limit. ( I have {$130000.00} in available credit across my other credit card accounts. ) I want the credit card removed from my consumer report because every new account reduces my credit score, and I did not want to open this account.
Consumer complaint received 2021-08-18
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
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: Westlake Services, LLC (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for k purpose.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Bill was paid immediately after the services were provided total amount was paid for both bills, but billing department sent item to collections without any notice, I was notified by my credit reporting block service that m credit score had dropped significantly which is affecting my score in a way that is not recoverable. Both XXXX XXXX and Plus 4 here in XXXX XXXX violate this protection all the time they have done this to me 3 separate times this company threaten people if they contact you, and when they don't they threaten you when you contact them. there contact information is XXXX and they often operate under different name at different times.
Consumer complaint received 2019-06-11
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. (NV)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 
XXXX XXXX XXXX