davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XX/XX/2020I opened an auto loan with Credit Acceptance Corp in the amount of {$7100.00}. I made all payment the day before they were due. The auto company I purchased the vehicle from ended up going out of business in XXXX and never paid the lien that the XXXX XXXX XXXX had against the title therefore Credit acceptance was never able to obtain the title. I still made my payments until XX/XX/2020 when Credit Acceptance shut down my account and told me to continue dealing with the Ohio AG office ( which I did ). The vehicle is now back in possession of the original lienholder XXXX however even though Credit Acceptance closed my loan and returned my money that I paid, they reported to the credit bureaus as me being 120+ days late on a payment. Ive talked with them and they dismiss my concerns or tell me they will look into it and call me back. It needs to be removed from my report! They closed my loan, gave me my money back and the vehicle was never in their name or possession and has since been returned to XXXX! help!
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experians web site posts your FICO score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a FICO, however their website specifically says FICO score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " FICO '' score provided by Experian was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between Experian and the lending industry.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2022-11-20
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (WI)

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. 

XXXXXXXX XXXX XXXXXXXX, ( Original Creditor : ) XXXX, 15 U.S.SC 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 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NV)

The dispute is with charges on my Barclays credit card to pay a XXXX for repairs from funds provided by XXXX XXXX for repairs to my condo. 
Upon finding out the merchant/contractor was not legally licensed in the state of Nevada we XXXX out to both, him and credit card company to recover the funds. 

Initially, the credit card company provided us with a refund on those charges but later retracted it stating that the merchant provided a valid response to validate transaction. 

The XXXX did no repairs as we dismissed him when we could not verify with the Nevada XXXX XXXX XXXX a current license under his or his business name. Without a valid license, any contracts made with unlicensed contractors are null and void by law according to XXXX. 

Paid XXXX a total of {$2500.00} XX/XX/year> XXXX credited provisional credit XX/XX/year> Charges reapplied to my account XX/XX/year> I reopened dispute via fax and XXXX mail attaching report from Nevada XXXX XXXX XXXX XX/XX/year> Barclays responded with merchant has not violated the terms of contract. XXXX letter XX/XX/year> Barclays states via letter they remain unable to pursue on my behalf. XX/XX/year> Please contact me should you need any other information. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX called in XXXX was very rude to me ..asked very personal questions. I got very upset explained why i wss in debt i tried paying it back thru a debt relief co that stole my money. Now im on my own. So i made payment arrangements of XXXX a month Since then they have shut offmy account now 2 times all within 3 months. Because they want XXXX up front paid in full. 
I want the games to stop. I dont have time to play. The bill was on automatic draft out of my account. 
I have proof. This is ridiculous. 
Im not calling because the ladt time they said they received no payment when i had my bank statement in my hand and i told them it was taken out on the XXXX as it was agreed to. 
Well. I guess this is all a game to them but its not to me. 
I have been in financial hardship trying to do the right thing.
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

Company is unknown account showing closed on my credit report I have no knowledge of even opening an account with this company I am not reliable for this debt have no agreement nor contract with this company please remove from my credit report immediately
Consumer complaint received 2020-12-03
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)

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! This is very inconvenient on my part!
Consumer complaint received 2022-04-26
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. (WI)

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. 

XXXX, XXXX XXXX, ( Original Creditor : ) XXXX, 15 U.S.SC 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 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I got an alert at XXXX XXXX at night eastern time that I made an XXXX payment in XXXX XXXX ca from my chime debt card. XXXX I was at home in North Carolina, XXXX I dont have XXXX. I reported my card stolen and requested a new card since I could not dispute the claim until it was not pending. The next day, it was no longer pending so I contacted chime to dispute the claim, they asked for a receipt of the XXXX ride, which was not taken by me or an account owned by me so I did not hold such receipt. A claim was filed, at XXXX today not even XXXX hours later I was email my dispute found no foul play and my funds would not be returned. I called chime they said I could request the documents they used to deny my dispute but it would take 10 business days to get the documents to me when it took them less than 24 hours to deny it. That since I did not have proof I was in XXXX nc, even though I swiped my card physically at XXXXXXXX XXXX in XXXX. I was told to email with a written statement claiming my location at the time of the transaction and they would consider reopening my dispute. I was accused of giving out my card number and writing down my PIN number and talked to like a toddler.
Consumer complaint received 2020-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (TX)

We have received repeated calls from this number to my fathers land line. Recorded messages have repeatedly been left on my fathers answering machine, heard by both of us as the answering machine broadcasts all answered messages. I am not sure who they are trying to contact, me or my father, since I have not spoken with them as of yet, however the breach of privacy concerns me.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -FXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have attempted multiple times to have KOHLS/CAPONE vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. As of writing this today, XX/XX/2021, I received XXXX response to my validation requests for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I have given KOHLS/CAPONE over 60 days now to zeither validate, or delete this account from my credit report and no response with valid proof has been given. According to the FCRA, KOHLS/CAPONE has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
Consumer complaint received 2023-03-27
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. (TX)

Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, XXXX, Equifax, and XXXX regarding account XXXX XXXX XXXX Account Number XXXX. And to XXXX again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from XXXX with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from XXXX that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from Equifax, they couldn't even be bothered to respond. 

I just pulled another copy of my credit reports and it is still showing these inaccuracies. 

15 U.S.C. q681s-2 ( A ) ( * ) 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 2021-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (FL)

I am attaching a copy of my most recent correspondence to a credit line provider, Shellpoint, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to Shellpoint to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Consumer complaint received 2020-11-17
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. (CA)

My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

The Apple Bank branch on XXXX XXXX is closed again due to " the impact of Covid 19 in this area. '' There is no special impact of Covid 19 in this area at this time. It is not a yellow, orange or red zone, does not have positivity rates larger than other areas of the city, if anything they are smaller. 

When their branch is closed, many services are unavailable. Their online options are limited and the amount of cash withdrawal allowed from the ATM is limited. 

They were already open for very limited hours before this ( about half of their prior availability ) and it is making it very hard to continue to bank with them.