davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
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. (PA)

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/XXXX. REASONS : Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; The Congress has stated that you, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; The Congress has also stated that you are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, 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. You, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Consumer complaint received 2021-03-26
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. (OH)

XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from XXXX The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX  also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with XXXX XXXX XXXX which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are two loans that are on my credit report that do not belong to me I have been writing to XXXX XXXX  And Transunion since XX/XX/2020 regarding these two accounts and they have not given me anything to work with. Then I decided to open a FTC report regarding this and still nothing. Now I have never opened any loans or signed any papers regarding this loan and yet it is still on my credit. This is affecting my life negatively and I dont need this right now during these hard times. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a formal complaint against Capital One located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (NV)

On XX/XX/21 Bright Lending deposited {$1000.00} into my bank account for a loan I never applied for. I contacted the company and they stated that I had applied for the loan today. I did not apply for a loan and explained I never signed anything or applied. Furthermore, why would a company deposit anything into my account without verifying my employment or the state I live in? I further explained I was contacting my bank, having that deposit reversed and they would be blocked forever from my bank account. What it seems like to me is that this is their way of trying to make money, depositing unauthorized funds into an account and then charging you a ridiculous amount of interest if that transaction goes unnoticed and/ or spent. Again, I haven't authorized and/ or signed any agreement with them. My bank is handling this and I am also notifying the Attorney General. Makes me wonder how many other people they have done this to. I am also contacting a lawyer.
Consumer complaint received 2021-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (DE)

I CONSUMER XXXX XXXX MADE A PAYMENT TO IC SYSTEMS ON XX/XX/XXXX. WHILE SPEAKING THE REPRESENTATIVE, I WAS TOLD THIS COLLECTION WOULD BE REMOVED FROM MY CREDIT AND NOT STATE PAID BUT REMAIN ON MY CREDIT. THIS ACCOUNT STILL REMAINS ON MY CREDIT 1 YEAR LATER. THE REP STATED THAT THE CALL WAS BEING RECORDED TO QUALITY INSURANCE AND I WOULD LIKE THIS CALL REVIEWED OR THIS ACCOUNT DELETED ASAP. DUE TO AGENCY LYING ABOUT THIS ACCOUNT BEING REMOVED AFTER PAYMENT, THEY HAVE VIOLATED 15 U.S. CODE 1692k ( A ) - CIVIL LIABILITY. DUE TO THIS ACCOUNT REMAINING ON MY CREDIT PROFILES I AM NOT ABLE TO OBTAIN HOUSING AND DUE TO THIS I AM IN THE PROCESS OF SUEING THIS AGENCY FOR ACTUAL DAMAGES. I HAVE REPORTED YOUT COMPANY TO THE XXXX  AND CONSUMERFINANCE.GOV AS A FORM OF RECORD. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DE XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I previously asked my friend XXXX XXXX to type up & send this complaint for me and the company responded stating that you are not authorized to communicate with third parties without the appropriate authorization. The previous complaint # is XXXX. So here I decided to copy & paste the complaint ....
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I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XXXX XXXX, 2017 I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XXXX XXXX, 2017 Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XXXX XXXX 2017 I resent the original request from XXXX XXXX, 2017 to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XXXX XXXX 2017 I received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XXXX XXXX, 2017 requesting signed application ( ATTACHED ) 4. XXXX XXXX, 2017 I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XXXX XXXX, 2017 again Portfolio Recovery sent me the same letter sent on XXXX XXXX, 2017 instead of sending me the fraud packet I requested on my previous letter to them on XXXX.XXXX.2017 ( ATTACHED )
Consumer complaint received 2020-05-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down 15 points because of the remark they added. instead of it going up because i made a payment it went down and 15 points is a lot.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (WA)

There were two problems : 1. XXXX card sent to me in mail. I did not apply for the card. Resolution : Called XXXX XXXX. The card was cancelled. 
2. XXXX XXXX application started in my name. XXXX ( Comenity ) sent me a letter asking me to confirm the opening of the account. Resolution : I called Comenity bank customer service and was forwarded to the account protection line. However, I was on hold a considerable amount of time and hung up. No one answered. There doesn't appear to be a way to resolve the issue through email either. 

I have placed a lock on my credit report, so hopefully, this will keep additional attempts to use my identity to open accounts.
Consumer complaint received 2019-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

I am the owner of a Coinbase.com account. 

I have a valid username and password to access the account but am not able to access it due to two step authentication that needs to be reset as I have a new phone ( same phone number ). 

After multiple attempts ( 4x different times of day ) on Sunday, XX/XX/XXXX calling Coinbase support XXXX XXXX XXXX XXXX XXXX - the service states that all of its specialists are busy and hangs up. No holding, just hang up. 

Attempting the proposed alternative - submitting a ticket online, each ticket ( submitted 2 within the span of 1 hour ) created gets automatically closed with the following message : " This is an automated notification that your case has been closed. We have delayed logins to your account due to an unrecognized device used to generate your 2-step verification code. '' The automatic closure of my online ticket is directly tied to my 2-step verification issue - I am stuck in a cycle that has no means of resolution. I want access to my money.
Consumer complaint received 2021-09-19
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. (MD)

I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Credit collection services had agreed to remove this collection from my account. 

I had contacted XXXX, the original Creditor in question. I was told that the debt in question was fraudulent. 

As a current XXXX customer nothing is owed at this time
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

Lowes hardware store offers a great promotion whereby consumers can get five percent off of most purchases made at Lowes when using their store credit card. I recently applied for a credit card with them through Synchrony Bank. 

I checked my credit score in XXXX XXXX  and it was XXXX. I understand this score is higher than that of XXXX XXXX  of consumers. I have a net worth of more than XXXX XXXX  of U.S. citizens with a total debt to income ratio of about XXXX XXXX. To protect my credit, I have credit freezes in place with all three major credit reporting companies. 

The first time I applied with Lowes/Synchrony , I was told that my application was denied because I have a credit freeze in place. A few weeks later, I lifted the freeze and applied again. This time, I was told that I was denied for the following reasons : Too much available credit on revolving accounts ; Average balance of accounts is too high ; Length of time accounts has been established is too long ; Too few non-mortgage accounts. 

I have a total of three credit cards, so find it hard to believe that I have too much available credit on revolving accounts or the average balance of accounts is too high based on my income and that my typical credit card balance is XXXX. I have no idea why the length of time accounts has been established is too long would be evaluated as a negative. Finally, why would too few non-mortgage accounts be a problem? I think having three credit cards would be sufficient. 

Id like for Synchrony to explain plainly and clearly why I was denied for the Lowes store credit card given my excellent credit, income, debt-to-income ratio, and assets.
Consumer complaint received 2017-09-15
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)

All of these companies need to be removed from my inquires immediately.
1. XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 2., XXXX/XXXX XX/XX/XXXX 5 ) ..XXXX XXXX/XXXX XX/XX/XXXX 3., XXXX XXXX XXXX XX/XX/XXXX.
6 ) XXXX XXXX XXXX XXXX, XXXX..XX/XX/XXXX.
7 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reported to Transunion Credit Bureau that my collections account from XXXX XXXX XXXX has been paid in full and cleared with the collections company. I have received my paid in full letter, I have disputed it with Transunion twice, they have not taken it off. I have recontacted the collection agency multiple times and been informed they have released it on their end and that it is a error with Transunion 's reporting and I have to report it to consumer finance due to Transunion not removing it on their own. 

Amount that was due was {$360.00}, I received my first paid in full receipt XX/XX/2019. I first disputed this with Transunion on XX/XX/2019 and again on XX/XX/2019.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX/Commenity bank has called my brother in law, and parents regarding the debt I owed. They told me I need a lawyer to represent me or pay the card in full {$3600.00}. When I said I could not do that they said I need to pay {$1000.00} to make the account current. This is completely embarrassing and they are calling multiple family members.
Consumer complaint received 2019-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (SC)

AR Resources Inc. is reporting a collection that was ALREADY PAID! I paid this medical debt through XXXX XXXX XXXX and it has fallen off of my credit report! AR Resources Inc. should not be reporting anything to my credit files ( XXXX, XXXX or XXXX ). They are trying to report this item twice and I NEVER dealt with AR Resources Inc. at all! They just popped on my report out of the blue for a collection that has been PAID! I want it removed!
Consumer complaint received 2017-09-15
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)

I -- like many -- was a part of the recent Equifax hack. I have since frozen my credit with them, XXXX, and XXXX, but losing control of 140M records is unacceptable. I do n't consent and have never consented to any credit bureau collecting information about me, but somehow, they 're allowed to control and influence many of the decisions I make in my adult life. Now that my private and personal information is floating around somewhere, I have to take measures I normally would not have had to take to protect myself -- probably for the rest of my life. 

This corporate negligence can not be ignored, and Equifax trying to get out of this situation by offering a year of free credit " monitoring '' to their victims does nothing to resolve the issue.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (LA)

Amcol at XXXX XXXX XXXX in XXXX, SC XXXX purchase a invalid debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for {$310.00} and illegally places this debt on my XXXX and XXXX  credit reports. At the time of service I had a primary commercial insurance and XXXX as secondary. I never had any balance due once insurance process and pay and I have requested that they remove this information from my credit report repeatedly with no resolve to this issue. On XX/XX/2020 I contact Amcol again and spoke with XXXX who stated due to the age they can no longer bill insurance so it is patient responsibility.