davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

I was shocked when I reviewed my credit report and found late payment on my credit report : FRD MOTOR CR XXXX   XXXX  XXXX Account # : XXXX XXXX XXXX High Balance : {$31000.00} {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Auto Financing Auto Financing Account Status : Closed Closed Closed Payment Status : Late 30 Days Late 30 Days Late 30 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Auto Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 72 Month ( s ) 72 Month ( s ) 72 Month ( s ) Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan Auto Loan Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown unkown Two-Year payment history unkown XXXXunkown OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 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 OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 30 days late 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  unknown unknown unknown unknown unknown unknown 30 days late unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown 30 days late 30 days late unknown unknown unknown 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - 7 Year History XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I am not sure how this happened, I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lakeside Recovery Solutions (PA)

XXXX XXXX saids he is a paralegal, of Lakeside Recovery Solutions phone number, XXXX.Just found phonecall today but date on voicemail XXXX.He saids i returned mail in reference to a legal matter i have returned no mail these past months he doesnt have my address and wants me to update my address on there system? He has my name and last 4 # 's of my social security number.He states they hold the legal right to begin the forceful recovery process they have a pending docket # XXXX.dotUS.They dont tell me the company i owe money too? They dont mention an amount? and they are giving me a docket # yet they dont know my address? This is the first phonecall from this company and it made me uncomfortable.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

I am not responsible, nor liable, for the {$310.00} balance that XXXX XXXX   is reporting on my credit report with XXXX. THis debt is the result of a long-time dispute with XXXX, and their refusal to take responsibility for their own errors. The amount they are trying to collect is the result of XXXX fraudulently adding my brother to my policy without my permission or knowledge. I never gave permission to allow him to be added to my policy, and XXXX was culpable in the fraud. If XXXX can show proof that I ( personally ) accrued charges that were not paid, but I refuse to pay for charges that were fraudulently added to my account.
Consumer complaint received 2022-08-22
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)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2021-09-15
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 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-10-07
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. (NV)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-15
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. (MA)

In XX/XX/2019 I contacted XXXX  XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX  deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have lost my baby see attachments.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (IN)

On XX/XX/XXXX I received a letter from a company saying they would help me in my lawsuit. I immediately thought, what lawsuit? I then went onto XXXX, searched my name, and found that I am being sued by a company I've never heard of nor heard from. I googled, tried to call the company and left a voicemail and submitted an e-mail to them online saying I'd never heard of them how could they be suing me. I also sent this same information to the lawyer representing them. I told both parties that I am more than happy to pay my debt, which I had been trying to find to no success, but these people had NEVER tried to contact me. They had received the account back in XXXX of XXXX and then apparently just sat on it. Not once did they mail me, call me, or anything. Obviously they had my information as it was all nice and done in the lawsuit against me. How can someone just sue me without trying at all to collect? They claimed they had XXXX XXXX XXXX down as representing me but I do not work with them and have not worked with them. So this company erroneously thinks I'm working with someone I'm not and when they shockingly don't hear back from that company that I'm not working with they sue me??
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act, 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 B States a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2021-07-31
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: EQUIFAX, INC. (FL)

Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, XXXX  & Equifax, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc.

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX   RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Dear Sir or Ma'am, On XX/XX/XXXX AND XXXX of this year, I requested a free credit report from Transunion. Both times I received a postcard that 'our records show you've already received your free credit report in the last 12 months ... ' That is untrue because the last time I requested my credit report was XX/XX/2019. Regardless of this, the FTC requires that every consumer can request a free credit report every seven days due to COVID-19. 

I would like a free copy of my credit report. I do not believe that requesting it again from Transunion.com or XXXX will work.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC (VA)

I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) WAYPOINT ( XXXX XXXX ) 2 ) XXXX  ( XXXXXXXX XXXX XXXXXXXX XXXX ) This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2024-12-03
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: BARCLAYS BANK DELAWARE (VA)

I was the victim of identity theft and the fraudster attempted to open an account at Barclays under my name. Though an account was not created, the hard inquiry on my credit report remains on my account. I have been in touch with Barclays to have the hard inquiry removed from my credit report, but they have been unwilling to remove it. 

The inquiry was not authorized by me in any way, I reported the fraud, and they have refused to take the steps necessary to remove the inquiry. 

Barclays is complicit in the fraud and its resulting negative impact to my credit report.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 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
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received an email from a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. stating that my account was going to be charged {$380.00} for XXXX XXXX. I called him at XXXX to cancel this charge. He had me get into my checking account with XXXX and then he put the money back in my account but made a mistake and put {$4300.00} in my account. He said the only way I could rectify this was by buying {$2000.00} XXXX XXXX gift cards and {$2000.00} XXXX gift cards and he could put them into his system. However the cards didn't work and he had me go back and buy more cards until they could work. In the end I had purchased a total of {$4000.00} of XXXX XXXX cards at the XXXX XXXX store and {$6000.00} XXXX cards at my XXXX XXXX XXXX. He was so convincing that he was gong to lose his job if we didn't take care of it and was begging me and crying to me. 
The XXXX XXXX card for {$2000.00} was purchased on XXXX and another {$2000.00} on XXXX with my Bank card. The XXXX cards were purchased at XXXX, {$2000.00} on XXXX, {$2000.00}, and XXXX for {$2000.00}. The corporate number for XXXX XXXX is XXXX. The XXXX corporate number is XXXX. I am and older woman and am so embarassed that I fell for this. I hope you can help me recoup my money. I filed a report with the FCC and called XXXX bank and they are working on the fraud for the {$4000.00} cards from XXXX XXXX.
Consumer complaint received 2023-03-18
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. (CA)

XXXX XXXX : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / 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 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.