davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (VA)

I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of XXXX is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per XXXX guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which XXXX has drawn out, i have attempted to fix this directly with Equifax and i have been disregard
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Portfolio Recovery notified me that they were collecting on an account with XXXXl XXXX. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as XXXX or 120 days past due.
Consumer complaint received 2022-03-30
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

I noticed my credit score going down and when I checked my credit I realized I had Navy Federal Credit Union Credit Card on my report. This all took place in XXXX and I called them spoke with XXXX and she said she would put in an investigation, I also put in a dispute with all the credit collection agencies and they I just received a letter from them stating it was verified and this is my debt. I know it's not mine and I told them as well. I never opened anything with the Navy, I've never worked with them neither have anyone in the Navy. The address they have or sent the card to I do not know, they have a different phone number, different middle name, plus someone made a payment on the card which isn't me. I am a male, XXXX XXXX XXXX XXXX and they said it was a Ms. ( Female  ) that opened the card. They can track to tell where the funds went and who paid it and they will see I have no connection to this card. Unless this Navy company is a fraudulant company or it's an insider job and they are getting away with fraud. I truly need your assistance to resolve this because it's messing with my credit, which is very upsetting.
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (CA)

Dear Equifax XXXX XXXX XXXX Department, I am writing to formally request the removal of fraudulent inquiries on my credit report resulting from identity theft. Upon reviewing my credit report, I have identified several inquiries that were made without my authorization. These inquiries are associated with someone who stole my identity and are not linked to any actions taken by me. 
The fraudulent inquiries I have identified are as follows : 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am not liable for any fraudulent inquiries or accounts resulting from identity theft. The FCRA mandates that consumers are not responsible for inaccuracies or fraudulent activities perpetrated by identity thieves. As such, I am requesting that these fraudulent inquiries be promptly removed from my credit report.

I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which includes a list of the fraudulent inquiries. Enclosed with this letter are copies of the following documents to support my request : FTC Identity Theft Report A copy of my credit report highlighting the fraudulent inquiries Proof of my identity ( e.g., drivers license, utility bill ) Please investigate this matter and remove all fraudulent inquiries listed from my credit report. I kindly request written confirmation of receipt of this letter and a detailed response regarding the actions taken to address this issue. Should you require any additional information or documentation, please feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

Hello I have reached out to Caine & Weiner several times requesting debt validation and have received no response and they continue to report inaccurate information on my report which is a violation of the XXXX  and violation of the Fair Debt collection practice. This company is violating my consumer rights and causing defamation of character making it difficult for me to purchase a home. XXXX and XXXX removed the account and it came back a few days later like a brand new account. Still no debt validation no contract or anything bearing my signature that I owe them anything. I have not done business or signed anything with Caine & Weiner. If I have done business with them why is it so hard to validate the debt that I have wrote several letters requesting this information. My claim continues to be ignored and this is a violation of my consumer rights if I owe the debt please show me validation of the alleged claim.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (FL)

I'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX XX/XX/21, XXXX XXXXXXXX XXXX  XX/XX/21XXXX 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 2021-11-29
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: EQUIFAX, INC. (PA)

Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, Thank you!
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial.
Consumer complaint received 2021-11-30
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: Experian Information Solutions Inc. (TX)

Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my XXXX payment month. I was assured the payment was received and I owed nothing until my XXXX  payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off twice while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (VA)

I have a credit card with TD Bank, and periodically they send me balance transfer checks. I called TD Bank today to opt out of receiving these ( for the XXXX time ), and they said that they had " turned off '' the sending of these checks for my account in XXXXXXXX XXXX ( after I had called about this issue back then ), and that there was nothing more they could do. I have continued to receive these checks every few months since XXXXXXXX XXXX, most recently as about a week ago. They did not provide me a reason why I am forced to continue receiving these checks. Were they to get into the wrong hands, I could be at financial risk.
Consumer complaint received 2022-03-30
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. (WI)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (TX)

Meridian financial is the reporting creditor on my credit report the account was closed they contacted me and said within 7 to 10 this account will be remove from my credit report but it was removed from my experian report not my XXXX reporting. I call XXXX they said meridian financial didnt contact them to remove this account.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

In XXXX of 2022 I had transferred a large amount of my money from my personal investment account to my checking account with Citibank and from there to my cryptocurrency account. Citibank accused me of fraudulent activity and closed my account and kept the remaining funds from my checking account as well as continued to accept my direct deposit from my employer paycheck before I was able to cancel those transactions via my employer. I filed a complaint with Citibank and they still have not returned the approximately {$25000.00} they took from me. Anytime I call to speak with someone, they transfer my calls to the fraud department and treat me like a criminal.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/XXXX I made a complaint against Capital One for XXXX credit cards that I do not owe. I asked for validation and also sent an Affidavit of Truth and Cease and Desist. In the Affidavit of Truth I pointed out multiple violations Capital One has made against me in which they are Criminally responsible. I included an invoice for {$10000.00} for the violation of these federally protected laws. Capital One failed to respond to my Affidavit with an Affidavit. An Affidavit un-rebutted stands as truth. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. XXXX XXXX v XXXX, 108 F. Supp. 327 Federal case of XXXX v XXXX, XXXX XXXX XXXX. XXXX ]. Also see ; affidavit uncontested unrebutted unanswered [ United States v. XXXX, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Capital One has failed to rebut my Affidavit and therefore has Defaulted. I have sent Capital One a Notice of Default and Opportunity to Cure on XX/XX/XXXX. In this complaint I will attach original correspondence as well as Capital One 's response, and my reply to their response.
Consumer complaint received 2022-03-30
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. (WI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-23
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX