davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (PA)

On Sunday XXXX XXXX I received a notification from my credit monitoring company that XXXX XXXX XXXXXXXX had checked my credit report due to an application for a credit card. The person or persons had applied for a credit card using my information on XX/XX/2022. The credit monitoring company that notified me of this incident is Experian. I called Experian on Monday XXXX XXXX to let them know that I was not the person who applied for the credit card. Experian immediately removed the inquiry for my account. Experian informed me that I needed to filed with the FTC regarding this incident. They also advised me to call XXXX XXXX XXXX and let them know that my information had been stolen and someone had used it to apply for a credit card. I called XXXX XXXX XXXX on XX/XX/2022 and explain the situation to them. They looked into the incident and put a stop to any future application that involve my information or name.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (SC)

A company called Seterus, who I never paid any mortgage payments to, is reporting that in XXXX, 2016 I was 180 days behind on my mortgage. They report ND for two years prior to that, state that my account was transferred and that my credit limit was {$750.00}. None of this is true. Seterus has not responded to me, but provided this information to XXXX. I am trying to purchase a home, and this has reeked havoc on my ability to get a loan. I need this erroneous account removed from all three credit reporting agencies.
Consumer complaint received 2022-09-14
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: World Acceptance Corporation (SC)

World finance I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent account.
Consumer complaint received 2023-04-06
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. (NJ)

To XXXX, XXXX, XXXX, Equifax, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX XXXX. In XXXX XXXX I reached out to XXXX to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & Equifax removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I obtained my first credit card from Bank of America. This was obviously an exciting time in my life where I could build credit, have a credit card to use for purchases etc. 

Throughout my time with the card ( 8 years ) I had one late payment in XXXX of XXXX. Fast forward to XX/XX/XXXX, the account has been closed by Bank of America effective XX/XX/XXXX. The card had a XXXX XXXX as it was paid off in XXXX of XXXX. 

The reasons stated for closure of the account by a Bank of America representative on XX/XX/XXXX were not disclosed to me as proclaimed. They said they sent a letter out by mail, in which was never received or forwarded to me due to a move from XXXX to XXXX in XXXX of XXXX. 

Bank of America is stating the delinquency on other accounts is the reason for the closure. These accounts are not affiliated with Bank of America. These accounts are not delinquent. In fact, my only late payment throughout my credit reporting history was to Bank of America as mentioned above. I have 100 % credit history, with very low balances and utilization as I have worked diligently to build up my credit. 

My credit score as of today XX/XX/XXXX has decreased significantly. The only resolution given by Bank of America was to re apply for the card. This is a huge inconvenience as I intend on purchasing my first home in which we all know is heavily weighed on credit. Why should I have to reapply for a card that was closed for no reason? 

I feel as though this is a violation of FCRA. The information that theyre saying they have does not align with what my credit report states. My credit is in far better standing than it has ever been since I have had this card with Bank of America. 

No credit lending institution should have the ability to pull a consumer credit report at their leisure without permission from the consumer. These guidelines need to be changed. I can only imagine how many  families have been hurt by this very same situation. Were in the middle of a Pandemic, families rely on these institutions in time of despair.
Consumer complaint received 2021-01-24
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. (ID)

The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED  Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (GA)

They have been calling me 4-5x a day from several numbers with the same area code. I picked up the phone which they are calling on my cell and started screaming at them and they hung up. They never leave messages or what debt is owed. My bankruptcy has been dismissed. The only way I found out who they were was I was sick of them calling and they said their company name on the recording because they were closed. You cant get any info off of XXXX with their 1000 phone numbers. So it is a company called National Credit Adjusters. I have blocked their numbers but they still keep calling
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED   Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Date Filed :  XX/XX/XXXX  Case Number :  XXXX  Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX    XXXX , IL   XXXX   (  XXXX  )   XXXX    Amount : {$3800.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *****************THIS WAS RELEASED ON  XX/XX/XXXX  Date Reported : Comments : *****This lien was released on  XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together********** **************************************************************************************************** Date Filed : XX/XX/XXXX  Case Number :   XXXX   Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA  XXXX  (   XXXX   )   XXXX   Amount : {$1600.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *********THIS WAS RELEASED ON XX/XX/XXXX  Date Reported : Comments : *****This lien was released on XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together**********
Consumer complaint received 2022-09-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2021-02-21
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: Experian Information Solutions Inc. (PA)

Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX
Consumer complaint received 2019-05-22
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)

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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2023-04-07
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters purchased a debt from the original debt holder ( acct # XXXX ) for {$2200.00}. I was sent an offer to settle the debt for {$680.00} if paid by XX/XX/21. On XX/XX/21 I paid the debt for {$680.00} and was given a confirmation number of XXXX accepting the payment plan. I then received a payment schedule confirm number of XXXX. The collection agency will not show the debt as settled on my credit report. All they have done is reduced the original debt amount by the payment and continues to show on my credit report as a collection. I would like them to honor the settle agreement they sent me and show the collection was paid.
Consumer complaint received 2018-07-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services (OH)

I XXXX XXXX have tried to invalidate several negative collection accounts placed on my credit bureau from a company called ACS EDUCATION SERVICES. My attempts to obtain proof that this agency was even in the chain of ownership on several student loans has fallen on deaf ears. I hereby submit a qualified written request for all education loans either posted on various credit bureaus, or loans that ACS EDUCATION SERVICES states they had a right on servicing of said accounts. A qualified written request ( QWR ) will either validate or invalidate the right to my personal information, either from a collection stand point or an ownership. If a QWR can not be submitted, it means that ACS never had a position on any of my student loans and that my file ( s ) must be purged and all references to a collection process on my credit bureaus must be deleted immediately. The US Department of Education will be notified of this request as well.
Consumer complaint received 2018-07-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TN)

THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX. 

Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans  since XX/XX/XXXX and countless other credit cards.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To whom it may concern : This is my second request to your company about some late payments from XXXX to XXXX. 
I would greatly appreciate if you could make a goodwill adjustment these late payments are affecting my life, I'm a trying to pursue a career in business which would be a more financial rewarding career, as you may know these late payment with XXXX XXXX XXXX XXXX are negatively affecting my credit score and my good name. 
I'm also trying to get a mortgage, and because of these negative masks i'm unable to obtain. 
I have been on time and have enroll in auto pay to prevent this from happening again. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payments as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX XXXX believes in their customers and i humbly request your consideration to allow me to pursue the career of my dreams.I appreciate your time and look forward to receiving a favorable decision from you department soon. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not DBA " XXXX on XXXX ''
Consumer complaint received 2022-09-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance showed me paying 30-days late for the month of XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) applied my payment for the month of XXXX as a principal only payment, when the payment should have been applied as a regular payment just as it has shown and been processed since the account opened and started reporting back in XXXX of XXXX. 

I contacted the company ( Nissan Motor Acceptance ) and they were supposed to correct the payment and have the issue resolved with the credit bureaus and reporting agencies. I also filed disputes with the bureaus and it was removed for 1 month and then placed back on for some reason.
Consumer complaint received 2022-09-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one put 3 adverse accounts on all 3 of my credit bureaus. These accounts are not mine. I am a victim of identity theft. These accounts are not mine and must be removed ASAP.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I filed with the cfpb, they have closed my account XXXX, but nothing has been resolved. I have a credit on my Capital One credit card, due to my diligence, not theirs and I still can not redeem the rewards I have earned. This is not a resolved or closed account. I have spent three months waiting to redeem my rewards. I have paid Capital One in full every month I have owned their credit card, for many many years. Why am I unable to redeem the rewards I've earned? This is unacceptable on cfpb 's part and Capital One 's part. It is not resolved!!!!!!!!!!!!!!!!!!! ( I have lived at my present address for 19 years, am a XXXX  XXXX  for over 40 years. ) Do your diligence and clear up this problem. NOW This is definitely a case of discrimination not fraud. I've noticed no fraud whatsoever on my credit card and watch it like an eagle. They have copies of my passport, passport card, front and back of my driver 's license everything they have requested after the letter sent. This is way more than 60 days. 

Both the cfpb and the Capital One credit card have not cleared this situation.