davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
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: DriveTime (NV)

I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help
Consumer complaint received 2018-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (NC)

These people, that change staff often leave threatening voice mails to take legal action and then call you the next day that I should call them and make a small payment. It is not against to be in debt. Do not call with threats one day and when you realize that what you said was illegal, call back the next day as if I did not save the voicemail transcription. These people call everyday when they know that I am at work. I get off late so I have to let them leave voicemails. Saturday comes and they call. Then they will call from what I believe is a cell phone. But when I try and call back, it is blocked. That is harassment. Once again, it is not against the law to be in debt. Maybe Im paying slow due to job issues but I always catch up. This type of behavior by their staff that changes monthly is unacceptable and very troubling. They need to know that threats will not get them paid any faster. I am recording each time that call daily and on weekends and Ive saved the cell numbers in which they call from. Ill continue to report them until your company deals with the issue. Threats will get them nowhere.Also where is my written notice within 5 days of the threats? Can I have this is writing.
Consumer complaint received 2021-01-29
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: Garcadia Financial LLC (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FOURSIGHT CAPITAL LLC Requested On : XX/XX/2019, XXXX XXXX Requested On : XX/XX/2019, XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-25
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. (NC)

Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

First I want to say I had filed bankruptcy in XX/XX/XXXX. 

For the last 5 years I have been trying to get my credit score up to a higher level. 
I was doing good until yesterday. 
I received an email from Experian stating my credit score had changed. When I went into their website I saw that my credit score had decreased by 18 points. 

On XX/XX/XXXX my score was XXXX, then On XX/XX/XXXX it dropped to XXXX It took me years to get to the higher score only to have been dropped down to the lower score.

Absolutely nothing had changed in my circumstances.

There was no explanation, I spent over 2 hours on their website trying to find out why this had happened but to no avail. 
I called the number on their website but it was all automated and I couldnt speak with anyone. 
There were no circumstances that would have caused this massive decrease, in fact, by the end of XXXX I had paid all my credit cards in full. 

I am hoping you can find out why my credit score went down so low, if there is a reason shouldnt I be told what it is so that I can at least, try to resolve it? 

Thank you so much for your attention and I am really hoping you can help me find the answer. 

I can provide any information you may need in assisting me. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX Servicing, XXXX XXXX XXXX XXXX continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. XXXX including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account.

2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property XXXX continues to fraudulently inspect and erroneously pretend to service. XXXX has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( 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 2021-02-06
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: CITIBANK, N.A. (DE)

I received e-mail from Citi claiming that owe on their credit card more than {$1700.00}. The payment is due on the first of each month but I have not received their bill for the month of XXXX. I can not pay the bill which I have not seen. Moreover, I stopped to use this card after realization that the company does not have gift cards that I want or need. I asked them to mail me the bill but instead I received today telephone call with option to pay the bill that I have never seen. Unless Citi mail me the bills I will not be able to pay them nor will I agree to the interest and additional charges for not paying on time.
Consumer complaint received 2021-02-06
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. (MA)

CFPB as the governing body over credit bureau please have Experian follow and uphold the Fair Credit Report Act. Experian has violated the law by not removing inaccurate late notice on my credit report from my XXXX XXXX XXXX account for the month of XX/XX/2020. I have given Experian supporting documentation as they requested to show that I made my payment on time for the month of XX/XX/2020. I have sent them multiple letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment for XX/XX/2020 to XXXX XXXX XXXX. 

CFPB this is clearly multiple violation by Experian after I sent them multiple supporting documentation showing payment made on time as they requested. Under the supervision of CFPB please have Experian remove the late notice on my XXXX XXXX XXXX account form the month of XXXX based on the supporting Bank Statement showing multiple payments received and made on time and Experian violations of the Credit Reporting Act multiple times. This inaccurate information being reported by Experian is not right or fair to me. They should not have the right to continuously report this inaccurate information.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK (MI)

I'm a XXXX XXXX  veteran and fell into hard times with many health issues including XXXX  and needed assistance in paying my bills. XX/XX/XXXX after researching the best debt relief companies, I contacted Freedom Debt Relief and was very impressed with thier orientation and they appeared the best to handle my debtsI addressed my concerns regarding being apart of negotiation, ability to have access and receive copies of documentation from creditors and all legal documents. Freedom Debt relief agreed and also offered legal representation for an additional {$12.00} a month to protect me..with a promise from Freedom Debt that their lawyers would always be there when needed .At that point, I felt relief knowing I was being under their wing to handle my debts.and signed the documents giving Freedom Debt Relief full control of my debts along with an agreement to withdraw {$750.00} twice a month from my bank. 
It wasnt until the following year during an authorization request I learned XXXX XXXX sent documents stating I was being sued and I had not received notice nor documentation regarding that issue from Freedom DebtI questioned the actions taken by Freedom and was told it was on my web pagenever found nor had access to this information.. ..I was allowed to watch many videos regarding Freedom Relief negations which only created more confusion ... let me move forward regarding my deposits From XX/XX/XXXX - XX/XX/XXXX I deposited {$15000.00} into the my Freedom account .thinking I was paying off my XXXX XXXX accounts but was shocked to see my deposits were not going out to creditors ..instead Freedom Debt relief paid themselves first instead of to my Creditors almost {$7900.00} in Fees went to Freedom Debt relief it was a sicking feeling seeing that only my two of XXXX XXXX accounts had only been paid {$7100.00} One more issue, Freedom Debt Relief from XX/XX/XXXX through XX/XX/XXXX constantly harassed me with emails and text messages that stated ..if I didnt increase my payments to them then I would lose all the money in my accountthis went on and on every month while Freedom Debt charged more and more for fees to pay themselves.when I finally decided to move to another Debt relief program I had {$860.00} in my account ..and and request its return to my checking accountI received $ XXXXFreedom Debt relief took {$700.00} for fees .Freedom Debt Relief ..needs to be investagted!
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My purse was stolen back in XX/XX/2020. Since then the bank of america unemployment cards agents have sent me about 4 different cards that fail to work. 

I haven't been able to access money in about 4 months
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (GA)

I requested a copy of my free annual credit report from XXXX, XXXX, and Equifax through the XXXX website. I received my reports from both XXXX and XXXX   without incident, however, I did not receive a report from Equifax. Rather, I was sent a letter from Equifax stating that they need additional information to verify my identity and address. Per the letter, they need 2 pieces of information from me : 1 ) IDENTIY * Pay stub with complete U.S. Social Security number * W2 form with complete U.S. Social Security number * Valid Social Security card 2 )  CURRENT ADDRESS * Driver 's license * Rental/Lease agreement * Mortgage statement * Utility bill ( gas, electric, water cable, residential telephone bill ) I have a huge issue with a request of the items listed in 1. If this Reporting Agency is even remotely reputable, they certainly would not have such an absurd request to send information containing a complete SS # through the mail. Needless to say, we are in a huge environment of identity theft, fraud, etc. Add to that, knowing that Equifax has been plagued by their security issues and data breaches, no one of sound mind would even entertain this request. Credit Reporting Agencies ( XXXX, XXXX and Equifax ) should be protecting the Consumer not put them at risk by asking for such documents. Apparently, Equifax needs to get their house in order and be reminded of their purpose!
Consumer complaint received 2019-06-07
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. (IL)

XX/XX/19 Initial request sent via postal mail for correction of information contained within Equifax credit report. I included documentation from collection agency. No response received. 

XX/XX/19 Follow up request for correction of information contained within Equifax credit report. Once again, I included documentation from collection agency. Still no response received. 

This credit reporting agency is being allowed to violate several laws! They did not respond in writing via postal mail, which is how I initially made contact with them. They have not removed this derogatory information from my correct ( I have documentation and proof from the collection agency ).
Consumer complaint received 2021-11-10
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: Sequoia Financial Services (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the SEQUOIA FINANCIAL SVCS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

This is in regards to complaint number XXXX that I previously filed today on XX/XX/2021. The reasons I am sending this is because I did not send all of the attachments pertaining to this complaint. I hope I am able to send them with this complaint.
Consumer complaint received 2017-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late  payments, but has failed to accurately report those late payments. I told Transunion that the account is in accurate and does not list a date of removal. Transunion stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my Transunion credit report. Transunion fails to remove it for violation of accurate reporting. I would also like XXXX to remove this account as well because the same is happening with them too.
Consumer complaint received 2023-03-10
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. (FL)

its been more than 4 months that I sent all documents to credit bureau to delete those wrong information, I sent a copy of ftc report, also they asked me copy of my driver license, social security and a bill, everything was sent. the only company that did not correct the fraudulent information was Equifax. 

delete hard iquiries alredy sent ftc and CFPB report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2021-02-06
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. (IL)

Despite several written requests, the unverified bankruptcies listed on my report still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a COPY of the ORIGINAL documentation on file to verify that this information is mine and is correct. Your company have not sent me any documentation that verify the information they are reporting. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Your company have said the courthouse verified the public record which is a lie, I contacted the bankruptcy court and I sent a letter directly from the courthouse stating they do not verify with 3rd parties. Which I have attached to this complaint. It is also illegal to report inaccurate information on my report that has not been accurate verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). Your company have failed to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (PA)

I filled out a credit application for my business for a vehicle through XXXX. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have XXXX  pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from XXXX  so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (OH)

Consumer portfolio services XXXX XXXX XXXX XXXX Called today XX/XX/2022 - XXXX pm edt Did not answer. Voicemail was left. 
I attempted to call back, but the extension left was not valid. 

This company was looking for a woman name XXXX XXXX. She is a former/pass resident of my house. I do not know who this is, and she does not leave in my house. I bought the house empty. 

I returned call from this company in the last week of XX/XX/2022. Spoke with a woman representative and explained this to her. She was suppose to update their information to remove my number and address from their system.