davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the Equifax data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX   {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX   {$800.00}
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the XXXX data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX {$800.00}
Consumer complaint received 2022-04-27
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX, US Dept of Education XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have file several dispute regarding inaccurate info on my credit report.. The bureaus, creditor and collectors fail to comply.. They have not removed the inaccurate items nor have they attempted to correct it.. This is taken too long and has become a burden to me and my family with the items remaining on my credit.. Can you please help me with making them comply so I can put this behind me..
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation (DE)

Global Credit & Collections are in Violation of the FCRA and FDCPA sending me collection Notice and attemps to collect on a Previous Fraud account from XXXX  XXXX # XXXX in which XXXX Bank was put on Notice of the Fraud Dispute and # XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

There is a fraudulent activity on my Experian credit report. I'm unable to dispute it because Experian website is not allowing me to log in and their phone number does not provide human service or any automated way of disputing.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (MN)

XX/XX/XXXX Have a unknown card in my hard Inquires XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown discover bank card never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires discover card never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax sends me a form on XX/XX/XXXX about Identification. Equifax credit file has had in the past info sent with several forms of identification and there is always and issue with them. now they send this letter but mailing corrections to the same address. 
they also had over 4 address that were not mine with different address numbers but now ask for my address. Equifax plays games with sending information and I 'm going to keep on filing on them until things are right on my credit file. And file with the FTC. A bunch of phone numbers that did not belong to me. I do n't no how they obtain info but they just make up information on JOB telephone and address. I mailed them copy on my state lic Copy of check. copy of contract from my employee as a RN and I have sent enough and more than they request. I have sent it more than 5 times.
Consumer complaint received 2023-01-19
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX  XXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

BMO stole from me. They re arranged charges throughout the week to justify stealing money that was refunded to me. The merchant that gave the money back has record of the refund but BMO does not have record of the refund because they adjusted the account transactions in a very sneaky manner. I have called the bank with the merchant on the phone and they started an investigation however refuse to provide a provisional credit so that I can pay my bills. They stole from me.
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (SC)

My car dealership American car center went out of business in last year. I was not notified bout the car business being bank rupt and shut down. I try to reach out to consumer and they later gave me information to west lake financial company. A company that collect debt and does loans. I went ahead and sign up to continue my payment due to false information from costumer service agent that I had only 9 payments left for the car to be paid completely off. I ask west lake for original contract and it taken 4 months before they could provide me with my contract. I paid off car in XXXX XXXX. Then west lake tells me the car was least and I had to pay off residual of XXXX. Them the car will be offical paid as purchased. I wasnt known of this issue of least. I thought I was buy the car already. 

I ask my lawyer XXXX XXXX to step in this matter. He sent out multiple letters and asking the company of west lake to reach out. Westlake financial never reached out to lawyer XXXX XXXX goin on 3 months now. I was referral now to consumer by him.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

The bankruptcy court stated they do not report to the credit bureaus however a bankruptcy keeps showing on my report, this has stopped my homebuying process and costing me more financial debt. 
This bankruptcy has been XXXX for 6 years
Consumer complaint received 2023-02-05
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9700.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-12-08
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: TD BANK US HOLDING COMPANY (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-05
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. (GA)

On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on XXXX Transunion and on my XXXX  report. My letters seem to have been disregarded because I havent reviewed results or proof.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This is in RE : Capital One Credit card XXXX # XXXX in my name XXXX XXXX XXXX. 

On XX/XX/XXXX, the date of my due date, I called Capital one to make said, and due payment on the above account, which has a balance of {$740.00} ; my credit limit is XXXX. Historically, my minimum payment has ALWAYS been {$25.00} on this credit card account. I made a payment on XX/XX/XXXX of {$80.00} per being past due on my acct due to inability to access Capital One 's pay online system due to it's system giving me verification security codes via phone for security purposes, in a foreign language ( XXXX ), instead of the language I speak ( English ). Consequently, and as such has happened in the past two other times, I was charged late fees. THis issue was fixed by Capital one earlier this month of XXXX. However, last night XX/XX/XXXX, the phone rep said I was calling EST Eastern standard Time and therefore, my payment was to be {$75.00} instead of the usual {$25.00} even though according to my time frame, I was still on time with my payment of {$25.00} ; the woman said her system could not accept, or process a payment of only XXXX. Something seems fishy to me ; why after so many years of paying {$25.00} for my monthly payment, would I now need to be paying {$75.00} to {$80.00} per month? Even if their {$25.00} late fee is applied -- -that does add up to {$75.00} to {$80.00}. My credit limit has NEVER been increased, as I've never asked for an increase in credit limit ; I do not use this VISA card on a regular basis -- -thus, my dispute lies in WHY my monthly minimum payment increased to {$75.00} to {$80.00}. Clearly, I'm nOT alright with this. The resolution I want is to have my monthly payment returned to the normal $ XXXX./month, and to have any late fees that have been applied -- -to be refunded. I also would GREATLY appreciate if Capital one would fix their system so as to receive security verification codes in ENGLISH instead of XXXX!! It seems set this way so that Capital one can charge late fees, due to customer 's not being able to make their payments on time due to not being able to access their online accounts, to pay them, because of language barrier issues. 
I very much look forward to your reply and assistance in dealing with continued problems with this credit card issuer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Nothing has been provided. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IL)

I have an XXXX mortgage. My wife is a XXXX Veteran and we are exempt from property taxes in our county. We sent the property tax exemption letter from the XXXX of assessments to the mortgage company and they refuse to adjust the escrow account and mortgage payment amount.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX XXXX
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2023-03-29
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. (AL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : AT XXXX ) XXXX Balance : {$630.00XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I filed a dispute with my bank Chase for services not rendered and products not delivered. I provided documentation to Chase and made them aware that I was also seeking legal council to handle this matter. I sent Chase photos of my unfinished kitchen, records of conversations between myself and the cabinet company and was reassured that they would handle the manner accordingly. The original date of transaction was XX/XX/2021 for {$3900.00}. The claim was officially denied as of XX/XX/2021, I was unaware because the denial letter was sent to my neighbor instead of me and Chase did not send me an email update about my dispute ( something they have done in previous cases ) I have attempted to get hold of Chase to no avail. The denial letter that my neighbor gave me states that in order to know why my claim was denied I need to contact Chase, but I cant get ahold of anyone. I am extremely frustrated and upset as Ive had to pay for my kitchen again with a different vendor and now this other vendor is also getting paid for services not rendered and materials not delivered. My Chase claim number is XXXX and the Chase phone number is XXXX
Consumer complaint received 2021-07-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.