davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On or about the XX/XX/2022 ; I contacted XXXX and advised them that I was going to pay off the security system which I had purchased from XXXX. XXXX 's method of my paying in order to install the system directly was through using retain credit from XXXX. I applied while the XXXX sales person was at my house per his instruction. The {$4000.00} sale of the system was approved by XXXX. They subsequently sent me a card with the name XXXX retail credit on it and a number. There is no credit card information on the card. That is, with the exception that the funding is secured by the XXXX XXXX XXXX. It goes on to say " for participating locations only. '' There is no expiration date or security code on the card. 

I contacted the vendor XX/XX/2022 and advised them that, I had sent them a check for {$4000.00} via priority mail. I also told XXXX that I'd checked my Equifax credit report and that they miscategorized my credit to the credit bureaus, wherein, they listed they had provided me with a {$4000.00} credit card limit and I had used all of that limit to make a purchase. This dropped my credit score XXXX points, because XXXX told the credit bureau ( Equifax ), that I had a credit card with revolving credit. That statement was and is a lie, because that account was only opened for the purchase and installation of a new home security system. 

When in fact, the installment agreement has me paying {$66.00} approximately per month with no interest every month until the account was paid off. 

XXXX has no intention of following the law. They said as much by saying that no matter what I said, they were going to take 60 to 90 days to complete an investigation. Further, that they view my account as a revolving credit card account no matter what the card says or does not say. Most likely my credit report will not be corrected to show the account is an installment account. It will continue to show as though it is a credit card. 

This is wrong and I totally disagree. I say they are breaking the law and trampling my rights as this is what big business does on a regular basis, because they keep getting away with it breaking the laws in the US.
Consumer complaint received 2022-06-16
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Orions Management Group, LLC (PA)

This account is more the seven years old by law after seven years this should not be reporting to my consumer report last year this collection company brought the debt an place it back on my consumer report as a new collection which now reports as a 6-7 month old collection which is hindering my credit score.This is unfair this debt is more then seven years old by law if I didnt communicate or agree to pay this debt the time line on the debt shouldve never restarted I have told this creditor on multiple occasions this is 7 years old they know this is a debt from 2017 and is now bout to affect my score another 7 years is not fair that would make 14years with same debt effecting my credit history this should be remove please have them remove this debt its illegal to buy a debt from a creditor with out my acknowledgment the original creditor remove the debt and this company has no write to hold me to a debt more then 7years ago
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (TX)

XX/XX/2022 I helped my son to purchase vehicle. Had problems with the vehicle. The dealer gave us excuses, the vehicle needed repairs. Got tired of waiting. Called the Finance company to come get the car. Voluntary gave car back. Now my son and I are being harassed by the Westlake Financial Services. They lied to the credit bureau stating the car was repossessed. The vehicle was a Lemon, it had to many problems. I had made a complaint with XXXX, for the car dealer, selling vehicle with a problem with the Title. Could not trade vehicle, the car is not registered in the State Of Texas. Voluntary gave up vehicle. And the vehicle was not repossessed. Now finance company will not stop calling us. That's harassment.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I tried to issue an instant payment from my Citi Checking Account online, but the site indicated Access Denied. I called Citis support line for assistance, but the representative told me that instant payment is unavailable. I asked to speak with a manager to file a complaint. The representative then alternated between asking for me to repeat my name and account numbers, waiting in silence, and playing a wait music track. After a 90 minute marathon trying anything and everything to get me to hang up short of doing her job, the representative told me she had filed my complaint on my behalf. When I insisted on speaking to a manager or receiving a web form link to submit a complaint myself, she became silent again and then finally dropped the call.
Consumer complaint received 2024-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DriveTime (GA)

I reported several times to each credit bureau an call customer service numbers multiple times never got a response nor answer about 3 different charge offs from car loans that werent mine Ive never had a vehicle of my own could never afford it now I can an I check my report before goin to the lot an someone has been me for several years I need help
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO HOME MORTGAGE accepted our funds, told us our loan the was paid in full, then said there was insufficient funds and that they would return the cashiers check. The cashiers check has not been returned. 
The CFO has also defaulted by not answering or returning our negotiable instruments, ignoring the Official Surrender as per title 50 for settlement.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (WA)

Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ).

I paid as soon as I am notified about the pending bill working with hospital ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments.

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc.

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason.

Attached lots of information. Still, I can provide necessary information, if you need any.

Please help to get my desired score honoring my history.!!!
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CL Holdings LLC (FL)

My account was not supposed to be closed. It was closed maliciously they told me if I paid it it would be open and I had it available credit then when I paid it, they told me that they could never open it back up. They lied to me I made a payment of XX/XX/2023 they put that on 120 days past due. I want this removed from my credit reports. I will sue and get a lawyer.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (PA)

fnbo getaway master card. I received a letter after my card was XXXX XXXX XXXX do to inactivity ratio of balance to limit on bank revolving.amount owed on revolving accounts. I had a XXXX balance on the card. The card was used in the last 12 month. The amounts on other cards where none of there concern. all my bills are paid. paid ahead. never late. in good standing. I called the company and could not get a reasonable explanation or get my card reinstated. my credit is good and this should not have happened. Im also being targeted by all of my other cards. they are lowering my credit and raising my raites. I am being mistreated and abused by the creditors.
Consumer complaint received 2022-06-17
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. (PA)

ON XX/XX/XXXX I summited factual dispute to the three credit bureaus about inaccuracies with the following accounts and pointed out the violations on my credit report. 

XXXX XXXX # XXXX account is being reported as charge off from XX/XX/XXXX until XX/XX/XXXX. Reporting charge off even after account was paid and closed. 

XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations. 

XXXX XXXX  XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations.
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

Chime is my bank at this money My Name Is XXXX XXXX ok so I normally add money to my chime card for my kids upcoming rides I was just saving it. I go to log in my account one day ( dont check online often this is my second backup bank ) so I log in my account to see all my money is gone I immediately contacted chime stating I have unauthorized transactions on my account from XXXX  XXXX They first told me dont worry and they canceled the transactions and stopped the merchant from charging me Which was a lie I have multiple pictures from representatives telling me to dont worry and just wait to receive my money back to my account few days theyve cancelled the transactions And it was only and pending holding stage Wait few days to go away even told them I was making an police report they told me it was okay and all my problems was going to be handled my money was going to be back. So Ive waited few days like they said I go to log in my account and I see that the transaction moved from pending to complete and all my money is completely gone. So they lied, merchant charged me and now days go by I cant even file police report how I wanted to because it was literally days later I contacted them and they told me to open a dispute which was strange because XXXX before they told me the transaction was cancelled due to it wasnt me making the transaction and to not worry. So I make the dispute day 2 days later without them fully investigating my dispute and handling it properly they denied it with no reasoning this is unbelievable.
Consumer complaint received 2022-06-17
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. (IL)

I have a total of 21 late payments on my report. All of these payments have been made along with arrangements so the payment will not be marked as late. I reached out multiple times to fix this problem of the years and nothing have changed
Consumer complaint received 2022-06-17
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)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 2022-06-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020I received a copy of my credit history report from Transunion.That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (AL)

I provided a letter from the courts indicating they do not verify or validate bankruptcy, yet XXXX keeps sending a notice to the CFPB indicating the bankruptcy has been verified.
Consumer complaint received 2022-06-17
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. (AL)

I provided a letter from the courts indicating they do not verify or validate bankruptcy, yet XXXX keeps sending a notice to the CFPB indicating the bankruptcy has been verified.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2022-06-17
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. (IL)

In accordance with the Fair Reporting Credit Act : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C.1681b ( a ) ( 2 ) which state any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer whom it relates and I never gave written consent to have this information reported.
Consumer complaint received 2022-06-17
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. (IL)

In accordance with the Fair Reporting Credit Act : XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXXXXXX XXXX XXXX XXXX ,  and XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C.1681b ( a ) ( 2 ) which state any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer whom it relates and I never gave written consent to have this information reported.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you Citibank CBNA, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2022-06-17
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. (FL)

On XXXX XXXX/2022 this issued was removed from my credit by XXXX XXXX the remarks were removed after a dispute was filed with Equifax .After calling to discuss a account that was fraudulently being connected to my SS #. The old remarks were once again attacking my score and causing it to drop 31 points. I find this very alarming to think that they could falsely attack a persons credit score by using such tactic. The address they have are wrong and don't match with the dates of residents.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AL)

Td auto finance misreported on my credit 4-5 times I never made. Late payment I called them 9 times to correct the issue and I think my credit score is restored back to normal based off how many times they put and removed charge offs written off amount of XXXX when I was never late and paid every payment on time sent letter to all 3 bureaus and I still dont feel my credit score was restored the first charge off drop my credit score XXXX points for this error I have a letter from Td auto apologizing and then they misreported it again and again