davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
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. (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. Most of these accounts do not have an address or name attached in order to dispute the inaccurate repot.. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Remove all late payments and change the payment status to current because of Cares Act. 
XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report. 
Account Number : XXXX Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX  Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists. 



4. FDCPA section 807 Violation False or misleading representations.

Account Number : XXXX  Please remove it from my credit report.

5. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX 15 USC 1681 ( a ) you are in violation with my rights and information you want to be private thats posted on your consumer report is a VIOLATION and infringing on my right to privacy. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My debit card with Chase with compromised and used to withdraw {$1000.00} cash from an ATM several cities away in the middle of the night. I disputed the withdrawal with Chase, but they determined I was at fault for my loss of funds and would not explain to me their justification for not protecting my funds. They demanded I file a police report, and have the local department of the city it occurred in subpoena Chase 's CCTV footage. 

Despite knowing that they don't have an real legal reason to demand this, I complied and was still ultimately done a disservice. The police XXXX I spoke with during my report even questioned why they were making me jump through these hoops.They denied my fraud claim and made me pay for the {$1000.00} that was stolen from me. 

This was almost two years ago, and I have since closed the account in question after begrudgingly paying the {$1000.00} under threat of damaging my credit. Do I still have any legal options? I only recently discovered these consumer resources. I am away from home so I do not have any documentation readily available but upon request I can produce account statements, and the police report I filed with XXXX XXXX PD.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

I was notified by XXXX Credit monitoring, that Citibank NA did a hard inquiry on my credit on XX/XX/2021 without my consent.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IL)

Im not sure what the collection is even for. The company calls and asks me for personal information before giving me details of my debt. However, I keep track of any bills I owe, so this was strange to me. I told them I would not give them personal information over the phone. The clarified that they had all my information, they just needed to confirm my identity. So, I asked for them to send me a letter with the debt, and then I can prove legitimacy. In todays world its hard to tell what is a scam. Plus, when they call, my phone blocks the number as scam likely so I have no idea the actual number they are calling from.

They refused to send a letter and have since called me anywhere from 3-5 times every day, Monday - Saturday, for the past year. I will ignore the call and they will call back immediately. Sometimes itll take them hours, other times just minutes. However, they always call back. 

Ive spoken to multiple people and told them I will not give out person information to a creditor that will not verify information nor send me a letter of my so called debt, as I asked.
Consumer complaint received 2019-05-31
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. (MN)

Transunion I disputed XXXX  XXXX XXXX with you back in XXXX about a 30 day late on XX/XX/XXXX and also another 30 day late on XX/XX/XXXX. I sent you factual proof that XXXX XXXX had taking payment for the Month of XX/XX/XXXX But on XX/XX/XXXX you sent noticed back that this has been verified.. How has this been verified when you have factual proof of a payment was made. please delete this account as you have failed to do your Job. I noticed and already have a dispute the update on a lot of your accounts that you claim was verified are not updating I don't understand why you are sending them to customer relation this is nobody issue but transunion. When you get noticed back from creditors the systems should auto change the date. could you send me the date and time that you sent the dispute to XXXX and also the date and time XXXX replied back to you via XXXX XXXX. also you didn't remove the two 30  day late I know you didn't investigate this account as well. 100 % FCRA 100 % accuracy
Consumer complaint received 2022-07-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : 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 2021-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (MN)

so I signed up through XXXX XXXX XXXX i did research on who owned the company and all that looks very promising seen positive reviews right? well, its been about XXXX months now, they let you sign up start the verifying process and even though you send all the proper documentation it allows you to deposit money but not withdraw it, you cant even move your assets out of the site without being verified. I've sent emails and even tried reaching out on XXXX and to the best of my knowledge nobody in this boat has had any success with it. I'm at my last straw. there is nothing worse than feeling the constraints of your financial opportunities being blocked without response. I get that they might be busy, but there really isn't any excuse for it, the easy answer is hire more people and the cheap solution is letting your customers know they are working on it, not some computer generated copy and pasted response. I've even tried calling their phone number but there is literally no customer service on the other end its just a voice recording making you feel even more isolated. 

so no email response no phone response no social platform response I've started thinking the XXXX brothers have decided trying to take companies from people was to hard and its much easier to just steal investor money. 


Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ; - Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA )
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc. (TX)

I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.
Consumer complaint received 2022-08-29
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. (MO)

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXXXXXX OAG child support Enforcement  # XXXX / # XXXX / # XXXXXXXX Missouri Div Child XXXX XXXXXXXX / # XXXX XXXX # XXXXXXXX XXXX # XXXX
Consumer complaint received 2022-05-20
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: NCP Holdings, L.P. (TX)

XXXX is again reporting on XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Consumer complaint received 2021-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AL)

Former creditor JP Morgan Chase/Amazon willfully allowed another XXXX dollar in asset company XXXX XXXX to make unauthorized fraudulent charges up to a total of 1 to 6 a day totaling $ XXXX to card ending in XXXX. This account was closed {$0.00} balance in XX/XX/2020. In XXXX Chase opened acct XXXX ane reported to all 3 bureaus decreasing my score from XXXX to XXXX. As a result unable to refinance my home even though all other creditors reflect an outstanding payment history Police report was provided but a consumer statement was not accommodated. Contacted FTC case XXXX ; and OCC referred case # XXXX to CFPB.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

My car was in a total loss onXX/XX/19. The Insurance company paid off the car. The loan company is taking over 20 days to apply the insurance payment to my account. To purposely try and ruin my credit. A lady name Ms. XXXX has called me literally everyday with a rude attitude and causing me stress and heartache. I was told by one of the reps and I have the proof of the conversation, that they would back date my account to the day they received the payment. However, the payment was over night to them XX/XX/2019 and they still to date have not applied the Insurance payment to the account. I was told that I could hold off on paying any payments since the insurance check was in their office. Ms. XXXX called me today arguing with me causing me more stress and my XXXX XXXX to arise., that if I didnt make a payment today they would ding my credit since no payment has arrived. I told them that the payment did arrive and i was on the phone with the insurance company and their company and they verified that payment went to the correct overnight address and they would update it that night. Ms. XXXX then said well the accounting department said they cant find the check. I said well How would I have ever knew this, Well they dont make calls. I told her then they are purposely trying to ruin my credit. She hung up on me
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

On XX/XX/2021, I sent IQ Data International a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 
I need them to close this account in their office and delete this alleged off my credit report.
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

I was a previous tenant at XXXX XXXX and upon terminating my least I was informed that I had to give 60 days notice when I was not aware of it I was previously told 30 days notice. Because of this a charge was added to my account of {$590.00}. This account is from XXXX and has been forwarded to a collections agency. On XX/XX/XXXX I reached out to capstone credit and collection to inform them of the situation and requested to have this removed from my account and they said the best they could do was a settlement of 50 %. I informed them of XXXX   failure to properly inform me of a 60 lease termination agreement which would result in a month 's rent company also kept my deposit which I believe should offset the caseworker named XXXX XXXX told me I should get an attorney because there was nothing that they could do. Said I got to go and basically hung up on me after I told them I was going to report them.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax and XXXX should not be reporting me as an authorized user on the XXXXK partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TX)

To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (MI)

I leased a new XXXX XXXX vehicle though my local dealership using Ford Motor Credit. I returned the vehicle on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received letters from a XXXX  XXXX XXXX in XXXX Michigan by a XXXX XXXX. The letter just stated that it was related the collection of a debt and to call a XXXX. I called XXXX and asked what this was about. She explained it was related to a debt owed to Ford Motor Credit and that since they could not collect it was turned over to them. 
I explained I didn't know of any debt and that she could send me any paperwork related to it so I could see what it's about. 
I did not receive any information from XXXX at that time about the debt. 
I wrote a letter to XXXX XXXX XXXX to ask for supporting information of the debt with no response. 
A called Ford Motor Credit in XXXX and spoke to XXXX XXXX on XX/XX/XXXX at XXXX and inquired about the money owed and any details. They told me they had no record of this loan. 
I then followed up with a letter to Ford Motor Credit Customer Service Department at XXXX XXXX  XXXX in XXXX, NE XXXX relating my call to XXXX XXXX requesting information about the loan. 
Despite calling, writing to both XXXX XXXX XXXX and Ford Motor Credit no information was provided for me to evaluate the validity of the debt. 

My credit was then affected by a charged off notice. This lowered my credit by more than 150 points. As a business owner in XXXX XXXX where I depend on financing to manage my business - this led to borrowers not willing to refinance a number of properties - costing me significant impacts. In addition, my personal credit is used by my employer to be able to purchase online advertising for my clients. We routinely charge XXXX or more to be able to collect a small percentage as fees. This too was impacted limiting my ability to gain a living. 
While I am no attorney, it seems that the practice of not providing adequate information to be able to evaluate a debt due is in violation of the Fair Debt Collections Practices Act ( specifically validation of debts under notice of debts 809/a/4 whereby " the debt collector will obtain verification of the debt ... and a copy of such judgement will be mailed to the consumer by the debt collector ''. 

It was only on XX/XX/XXXX that Ford Motor Credit provided the requested information ( letter from Mr. XXXX ) when I filed a dispute with the credit bureau. 

By then the impact to my credit has been done - and continues to happen.