davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

Discover been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

On this account ALLY FINANCIAL XXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I used the payment processor SquareXXXX to process payments in XXXX of 2020. My account was cancelled and they help about {$17000.00} of my money. I was never given a release date. After multiple emails, they finally said my money was being held for 180 days, which was XXXX XXXX, It is now past XX/XX/XXXX and I can not transfer my money or get a response., There are no disputes pending and it is too late to file disputes.
Consumer complaint received 2021-06-24
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SEARS/CBNA Account Number : XXXX This is not mine.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

Son purchased a father 's day gift under his XXXX account, which also had my credit card linked to it. When my son made the purchase, it defaulted to my credit card. I did not know he had purchased this item, so I put a complaint in with the credit card company as a fraud report. A few days later, the XXXX box arrived and I had asked my son if he had made an XXXX purchase around {$1600.00}. Then he realized that it had been charged to my credit card. I immediately contacted Citi Bank and informed them what had happened and that the charge was not fraud. I told my son that I didn't want a gift that expensive and to send it back, which he did immediately. XXXX had confirmed the shipment of the return, as well as the receipt of the item and that the refund had completed on XX/XX/2023 to my credit card account. I still can not get this charge removed from my account. XXXX has sent verification that they have credited the account, but I have been on the phone with Citi Bank with not resolution in sight. They just pass me around from person to person wasting time with no solution. 

To summarize : Item was purchased by my son on XX/XX/2023 Item was charged to Citi Bank XXXX on XX/XX/2023 Dispute was opened and then subsequently close on XX/XX/2023 Item was shipped back to XXXX as a return on XX/XX/2023 XXXX noted that the return had completed and account had been credited on XX/XX/2023
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Consumer complaint received 2022-11-18
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. (PA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.
Consumer complaint received 2023-01-10
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. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX Account Number : XXXX Delete this account. 
3. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, XXXX and Equifax will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points.

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but XXXX  and Equifax take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!
Consumer complaint received 2021-06-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am currently in a repayment plan with my mortgager until l am able to refinance with another bank. l owe no more interest and they dont refi. l have sent all of my payments on time but every few months they reject payment and delay in processing. Currently my payments were finally accepted but they are putting me in default and/ or forbearance against my wishes to delay me from obtaining a refinance in XXXX. I have been trying to work with them to correct the problem on their end but they making the problem worse and worse. l know have received several demand letters stating they will refer case to a lawyer if not resolved. l have been in complete compliance in my repayment plan since day one.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-31
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. (VA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VAXXXX VIRGINIA DEPARTMENT OF XX/XX/2023 XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion listed collection accounts, that can not be validated even by the collection agencies, on my consumer report without any written instructions from me as per the FCRA USC 1681b ( a ) ( 2 ). They have shown a blatant disregard for the law or whether their reporting is accurate or not. I have sent them a letter containing the FCRA 15 USC 1681b ( a ) ( 2 ) which they have violated and continue to violate, and demanded that they delete the accounts immediately from my consumer report, and I have also called and spoken with a customer service representative and a supervisor about the issue, but every effort have failed so far, as they have so far refused to act upon my demand to delete the accounts.

I am demanding that the collection accounts listed below be immediately deleted from my consumer report as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX XXXX. # XXXX Balance : {$110.00} 2. XXXX XXXX  XXXX XXXX # XXXX Balance : XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I just checked my consumer report and your company is displaying unauthorized and fraudulent credit inquiries. 

Company Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing because I did not give your company permission to display such information on my behalf to my credit report. If you have documents with my signature stating that I gave your company permission to display this information send to the address above for review. If not you are infringing on my right to privacy and thats a violation of FCRA 15 U.S.C 1681 ( 4 ) Further more did Experian Validate this information with these companies prior to furnishing? If so provide me with a copies of any documentation with these accounts with my signature authorizing and inquiry. 

I demand these inquiries be Deleted immediately. 
I know you have up to 30 days to produce requested contracts, or delete these fraudulent items that is affecting my right to extend credit causing harm to my reputation. 

Enclosed is my state identification card and Social Security number for identification.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lender Services, Inc (NC)

a company called me and stated that they were hired by a company called XXXX XXXX to reposess a car, i told them to cease and desist calling me to harrass me about that car. i explained that i sent several certified letters to the company and XXXX XXXX has XXXX ot responded. XXXX XXXX and this company called lender services have violated the law and are contuining to harrass me. 
the federal trade commission has taken my action. i filed several actions against XXXX XXXX and XXXX has never responded to any mail. 
now sunrise has hired another company to harrass me called lender services who must have sold the loan. 
repossession is illegal, filing late fees on my credit report is illegal and i want them to stop.