davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc (CA)

The company was hired to collect a debt that I do not owe. I traded in my car in XXXX to a dealership and the car was sold through an auction. The car was later towed and stored at said company. Then debt was then sent to collection company and they try to collect from me. 
XXXX - trade in car XXXX - car became dealer inventory XXXX - dealer serviced vechile XXXX - Vehicle sold an auto auction XXXX - tow company got car XXXX - collection agency contacted me XXXX - i contact and inform situation - had letter from dealership also sent XXXX - collection agency contact again via mail - sent mail to family 's house XXXX - contact and person on phone was rude and did not want to talk to me about the situation besides wanting to collect the debt and told me to talk to his boss about lowering the amount and pay - told him no i will talk to boss about situation, told me that he had to go because there is other calls comiung in and hung up - before haning up asked about my personal business / home - told me that lien will be put on property
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

HAD FIRST MORTGAGE WITH RP FUNDING THEN REFINANCED THROUGH RP FUNDING BACK IN XXXX. ACCORDING TO RESPS SECTION 3500.17 ( f ) RP FUNDING HAS 30 DAYS IN WHICH TO REFUND ME THE ESCROW BALANCE ON TH EOLD MORTGAGE. THEY WERE IN VIOLATION OF THIS SECTION I DID NOT RECEIVE THE CHECK IN 30 DAYS. SECOND WHEN I DID RECEIVE THE CHECK I ATTEMPTED TO DEPOSIT IT TWICE AND I WAS ADVISED THERE WAS SOMETHING WRONG ABOUT THE CHECK. THEY ADVISED THAT THE CHECK WAS STOPPED. I CALLED RP IMMEDIATELY ( 2 DAYS AGO ) AND WAS TOLD I WOULD GET A DCALL BACK LATER THAT DAY. NOTHING HAPPENED. KEP TRYING TO CALL SINCE THEN AND LEFT MESSAGES AND NO CALL BACK.
Consumer complaint received 2022-08-31
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. (PA)

Equifax has dropped my credit score significantly XXXX points because my usage went from 19 % to 21 % This error is affecting my credit negatively. There is also incorrect information and a fraudulent account that I have disputed that has not been removed even though identity theft report etc submitted. Can you please assist in investigating why they keep dropping my score with all payments on time and low credit usage with no overdue payments?
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX 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 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I received a notification that a check in the amount of {$100.00} + had been sent to me for a refund of a credit card overpayment. I never received the refund check and called Best Buy credit to complaint about it on several occasions. They stated that they will research the check and will refund me the money if the check has not been cashed. Nevertheless, Best Buy credit send me a letter stating that the discussed refund check was never cashed. I have called Best Buy Credit on several occasions to process the refund check again or deposit it directly into my bank account. After several failed attempts and promises that the refund will be paid, I am submitting this complaint. Best Buy credit billing Accounting system is a mess, they misplaced payments and also send erroneous bills.
Consumer complaint received 2022-06-09
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. (NY)

Hi I am submitting this XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2022, I contacted Huntington Bank regarding having a XXXX hold to be released from my account. During review I was informed that they would be ending my relationship because of the number of checks that did not go through. I said ok, but they refused to give me access to my funds immediately that was on the account and they still have XXXX dollars of my money on hold. I was able to withdrawal XXXX dollars but Im still not able to get access to the remaining amount of my funds because they are claiming that there are still pending charges. This has left me in a bad spot because all of my money was deposited in this bank.
Consumer complaint received 2022-08-08
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-07-29
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)

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX XXXXXXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Consumer complaint received 2019-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (OR)

XXXX Unethical practices. I was late due to LendingClub pulled from and old account and caused me a {$30.00} fee. Email to for credit of XXXX Was told had to call into to request. Called to ask and declined. Never asked for credit in the past. Have had a few loans and was never late. Said unless paid report 30 late and destroy my credit on LendingClubs late fee! This company is unethical! No one reports on a late fee to the credit bureau until 30 days after late. Not on a late fee LendingClub accessed To top things off they blamed me even though my email Clearly says what account to use. This is the worst company. They dont help consumers at all. I paid {$400.00} that covered the payment. I was force to pay the late fee to avoid a 39 late. The website says they do but it not true! Gets better a friend request from a LendingClub rep. Unprofessional?
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NJ)

This is a third or more of attempts to have my problems/issues resolve with Gregory Funding. 
I am not able to make online payments. 
I am aware of the pandemic and limitations to having people working as before, but I am not getting a response from the mortgage company XXXX Gregory Funding XXXX within a reasonable time. 
Erroneously my XXXX 's 2020 mortgage payment was applied to the XXXX 's 2020 payment by Gregory Funding, when I had already made the XX/XX/2020 to the previous mortgage company XXXX XXXX XXXX. As stated on Gregory Funding 's letter, payments on the account should be forwarded to them as on XX/XX/2020, but the letter is dated XX/XX/2020 which came after the XXXX 's payment was already submitted to the XXXX company. Gregory Funding should have not applied the XXXX 's payment towards the XXXX 's and afterwards say that I am/was behind my payment.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

On XX/XX/2021 I received a update on my credit report stating that there was a debt owed for a total of {$1000.00}. I was not notified about this and this collection is inaccurate and not mine.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IN)

My name is XXXX XXXX. Recently had my XXXX loan sent to chase and chase returned it to the lender and it was sent once again. My account has been locked still and cant access it. They wont send the money back or anything.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ENOVA INTERNATIONAL, INC. (AZ)

Hello! I applied for credit with NetCredit and was denied due to my credit report. According to the Equal Credit opportunity Act being denied credit based on your credit score is discrimination. My denial of credit because of my score is unlawful.
Consumer complaint received 2022-10-22
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (VA)

I have submitted XXXX complaints regarding the fraudulent reporting of a closed Wells Fargo account, of which, was settled back in XX/XX/2018. My XXXX credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.
Consumer complaint received 2022-11-26
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. (TX)

I never use my social to apply for anything, yet I have an account that has went to collections showing on my credit report. It is showing as an open account open since XX/XX/2021. This account is NOT MINE.
Consumer complaint received 2022-10-07
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. (MA)

Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, Equifax and XXXX, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, Equifax and XXXX to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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. I have never given any instructions to this company to furnish this account. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 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. Checking the reported account, it has missing information reported in XXXX, XXXX, and Equifax. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (MI)

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from EASTERN ACCOUNT SYSTEM I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from Eastern Account System nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. 

I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Consumer complaint received 2022-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payment on this XXXX  XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE (CA)

I signed up for a card with Old Navy. This was right before they changed the banks so it was starting with XXXX They are now with Barclays bank but they said that they could no longer help me. I went ahead and just paid the balance that Im disputing because it has affected my credit outrageously taking me from good credit to below average. Ive been trying to dispute this since Ive signed up because I never received my card and there was a balance on my card. So I need help to fix this error.
Consumer complaint received 2022-09-29
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. (NC)

n accordance with The Fair Credot Reporting XXXX Account # XXXX has violated my rights to 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A states section 2 : it also states a consumer reporting agency can not furnish a Account without my written instructions