davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-21
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to investigate this account below : XXXX Account XXXX XXXXXXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I had a automobile repossessed in 2012. The company that held the autoloan keeps removing the account from my credit report and then a month later they add it back. This keeps changing the date the account was closed and pro-longing the removal of it from my credit report. It also negatively impacts my credit score. In some cases as much as XXXX points when they do it.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
Consumer complaint received 2018-06-11
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. (CA)

Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name XXXX XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXXk on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (CA)

This is about the middle class tax refund debt card I activated on XXXX I used it on XXXX charge was {$14.00} at XXXX XXXX XXXX then someone had stoked my credit card number and pin # I have the card with me the person that stoked my card number used it XXXX time from XXXX to XXXX XXXX 5 transaction total of {$290.00} in a 7 min at a XXXX gas station in XXXX  gardens than used XXXX XXXX XXXX time XXXX XXXX XXXX XXXX XXXX XXXX CA for {$25.00} then used it on XXXX time XXXX rite aid XXXX XXXX CA for {$5.00} now I never used my card at all these places
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings (CA)

FEDERAL TRADE COMMISSION XXXX XXXX XXXX, XXXX, XXXX XXXX 

morning_______, After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for XXXXhree serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception This email continues with my personal information and 13 yr old address along with my social security number. This complaint states its coming by the federal trade commission. 

Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 
Copyright XXXX FTC| Privacy | Terms of use Thanks & regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (VA)

Hello, I'm a victim of identify theft. Upon checking, I noticed that XXXX posted this account on my credit report, without sending me any type of written correspondence to dispute this debt. This is extremely damaging to my credit report and has caused my score to drop. I ask that this company please remove this debt from my credit report at once, before I'm forced to seek legal action.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB, today I received a letter in the US mail, supposedly from CHASE. The letter told me that they had not opened the account I requested. I had not requested that CHASE open an account. 

The letter listed two credit reporting firms, XXXX and XXXX, and directed me to call them if I had questions. I dialed one of them to ask what was going on, but thought better of it when I was asked for information.

I called CHASE customer service. They were pleasant, but directed me to stop by my local CHASE branch with the letter and my ID. I don't particularly want to go there, as I am staying home to avoid COVID.

I think this letter is an attempt to get financial information from me. It is not on CHASE stationery - it is a black and white printed letter. It is dated XX/XX/2021 ( today is XX/XX/XXXX ). I would be happy to send you a photo of the letter and envelope if that would be helpful. I am not aware of any problems with my identify or my actual bank accounts, but I thought you should know about what appears to be an attempt to commit fraud. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX
Consumer complaint received 2020-05-08
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. (CA)

BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. 

These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from transunion and XXXX? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!
Consumer complaint received 2024-02-26
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. (NC)

XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have XXXX  days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then XXXX days still no update so NO investigation was done. This a violation of my right delete these account immediately From XXXX NO NOTICE OF DISPUTE was entered so no investigation was done to my credit delete immediately for this violation. 

XXXX XXXX XXXX # XXXX FDCPA Section 807 ( 8 ) 807.

False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2021-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AZ)

I owed XXXX around {$550.00} in XXXX and in XXXX, my wife received a large settlement due to a lawsuit and we paid off all of my debt, including this bill from the collection company Credit Collection Services. I paid them through an automatic system at a " 50 % discount '' that they claimed I qualified for, and now 3 years later, I am receiving the exact same letter with the same " qualifying discount '' even though I already paid them. They told me they have no record of my payment and I even found my bank statement showing my payment.
Consumer complaint received 2021-02-09
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. (AL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. 

This needs to be removed immediately.
Consumer complaint received 2019-11-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIRST MIDWEST BANCORP, INC. (IL)

I opened a Home Equity Line of Credit in XXXX with First Midwest Bank that I have never used. I would pay an annual {$50.00} fee upon receiving their bill each year. 
I did not receive a bill for this {$50.00} fee on this never used account in XXXX. I did not receive any reminders of an annual fee being owed. 
On XX/XX/XXXX I received a letter of collections for a past due amount of {$60.00} that was dated XX/XX/XXXX. This letter was not clear 1. It did not clearly articulate what this amount was for ( {$50.00} annual fee and I assume a {$10.00} late fee? ). It stated that failure to pay immediately would result in further collections and the reporting of the delinquency to the credit bureau ''. They neglected to mention they reported that collection when they sent me this letter. 
I received a phone call XX/XX/XXXX from a woman who did not clearly or properly identify herself. There was no message as to the reason of her call. The phone number XXXX does not identify as belonging to First Midwest Bank, a XXXX search showed this number as reported SPAM. The woman who called spoke fast and garbled - ( XXXX from XXXX XXXX XXXX ). I do not have a relationship with XXXX XXXX XXXX. At no point was any reference that she was calling regarding an unpaid annual fee on a HELOC. 
I contacted the bank by phone XXXX as well as went into a bank branch to personally hand the letter attached. I requested that they remove the collection entry from each Bureau that First Midwest reports too ( XXXX, XXXX, XXXX, and XXXX, there may be other regional bureaus too ). I also asked the line of credit be closed at consumer request. I was told by XXXX XXXX that he had no control of the reporting and that it could take months to change the reporting ( XXXX was referenced ). I am submitting an additional complaint surrounding their credit bureau reporting - as of XXXX, I see the account closed and {$0.00} owed but they have not removed the collection. I am hoping the CFPB can help get this resolved.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM XXXX XXXX.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off in XX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory  collections on monies they are not owed.
Consumer complaint received 2019-03-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

On XX/XX/XXXX, I called the mortgage company ( Lakeview Loan Servicing LLC ) regarding my bill because of a late fee  charge and Lakeview Loan Servicing LLC told me that I did not pay the full amount. Lakeview Loan Servicing LLC received {$1700.00} in XX/XX/XXXX for XXXX mortgage payment. I asked Lakeview Loan Servicing LLC if they can apply the amount that I paid to them to my Principal and Interest but they declined, stating that I did not make the full payment. Lakeview Loan Servicing LLC informed me that there was a {$610.00} shortage in my escrow. We could not complete the phone conversation because the phone got disconnected. I called back the next day and told XXXX XXXX XXXX XXXX that I would send a check for the escrow shortage and the escrow shortage was received on XX/XX/XXXX. I called back on XX/XX/XXXX to verify why my XXXX was still not applied. Lakeview Loan Servicing LLC informed me that they did not get the  complete payment of {$1700.00}. On XX/XX/XXXX I sent a check of {$500.00} to the escrow account so that it would reduce my monthly payment. I called back on XX/XX/XXXX to verify that Lakeview Loan Servicing LLC received {$500.00}. Lakeview Loan Servicing LLC indicated they received the check but it is still pending. I explained to Lakeview Loan Servicing LLC that I would like my monthly payment to be reduced since I sent an additional {$500.00} to the escrow, but Lakeview Loan Servicing LLC said that it is not possible to apply that to reduce my monthly payment, because according to Federal Law, I am unable to add any more money to my escrow account. I asked Lakeview Loan Servicing LLC to take the balance from the {$500.00} to complete XXXX payment, which is {$250.00}, and refund {$250.00} back to me. They indicated that in order to do that, I have to submit my bank statement to show proof that the money was cleared from my bank. On XX/XX/XXXX I emailed both my bank statement showing the {$500.00} and a copy of the check for {$500.00} that was paid to Lakeview Loan Servicing LLC. I received an automated email response with a ticket number stating that my request has been forwarded to the appropriate department and to use that ticket number for further communication regarding my request. I have called Lakeview Loan Servicing LLC twice today, XXXX, XXXX XXXX. First at XXXX then at XXXX, and I received an automated message of their unavailability. However, Lakeview Loan Servicing LLC 's normal business hours on a weekday is  XXXX. It appears that Lakeview Loan Servicing LLC is  avoiding my calls. The reason I am contacting you is that I have been trying to fix my mortgage account but I am getting the run around and it is getting very frustrating.