davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (NV)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2020-05-06
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 VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO XXXX  XXXX XXXX DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS XXXX  XXXX XXXX IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.
Consumer complaint received 2020-05-06
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. (NY)

I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ASTA FUNDING INC. (FL)

Last year I filed a complaint against Palisades collection agency. In complaint XXXX I outlined a credit card debt that I knew nothing about. Court papers were served at an address I no longer reside for a number of years. They were awarded a garnishment of my wages. No papers were served to me. I requested proof of service yet no response. My complaint was forwarded to Palisades collection with a response to by XXXX XXXX General CounseXXXX representing Palisades. In his response he stated " Case Closed ''. 
On XX/XX/XXXX, I received a letter from my payroll department stating there is another garnish by the same company in the amount of {$1300.00} for interest accrued awarded by the Court of XXXX XXXX XXXX for the same garnishment. There is no date on the document except it was signed by XXXX XXXX dated XX/XX/XXXX. There is nothing on the XXXX XXXX XXXX court docket stating this collection. 

Since XXXX XXXX they started another collection for the same case even though stated closed. As of pay period ending XX/XX/XXXX a total of {$3000.00} is collected from my salary. That is {$1700.00} more than the stated amount. To date they have collected a grand total of {$4600.00} from my salary for a debt XXXX XXXX said they acquired XX/XX/XXXX. I was informed by my payroll dept that unless a letter of satisfaction is received, the garnish will remain enforced. 
I would like an enforcement to be brought against this company as well as initiating lawsuit. I believe I am a harm consumer with my salary at the mercy of this collection agency using it as their personal piggy bank. I also believe the documents they furnish to job is false. I made numerous attempts through emails to different parties and by certified mail but no replies. Phone calls are extended wait times then switch to voicemail. 
Please see attachment of previous complaint.
Consumer complaint received 2022-10-12
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. (AZ)

I am submitting this CFPB complaint in regards to the erroneous account being reported by the credit bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting ActSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2021-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

HI CRA ; HI cpfp ; Look at the attachments and screenshots of those unverifiable accounts. I been trying to resolve this for months now but i continue to receive genetic responses from the credit bureaus saying that it was verified. Impossible that i can be verifiable as being accurate. 
It continues to report incomplete, misleading, erroneous and multiple inaccuracies. How is it even possible that it can be verified as accurate ... no way. so many inaccuracies on these accounts the way it's reported. i need your help in removing these all. again, Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2022-12-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

I made a {$1500.00} purchase from XXXX XXXX for XXXX washer and dryer on XX/XX/2021 using a XXXX Credit Card d/b/a Citi Crad. On XX/XX/2021 XXXX attempted to deliver them but would not install the appliances. Complaint made and assured installation on XX/XX/2021. Delivery opened boxes on street, loaded and brought into my home and hauled my old appliances out before informing me they would not install the new appliances. A complaint was made again ; then, XXXX staff arrived on XX/XX/2021 to install but did not complete the installation, parts were missing, and no warranty was provided. I made a complaint with XXXX Credit Card to dispute charges, as well as, consumer fraud complaint with the XXXX XXXX XXXX  and XXXX Board of Directors. XXXX Credit Card representative, XXXX, would not initiate the billing dispute on XX/XX/2021. So, I made a payment {$1400.00} to prevent a past due occurrence which appeared to be the intent of XXXX Credit Card and leaving a balance of {$190.00}. After a second call on XX/XX/2021, XXXX Credit Card initiated the billing dispute but continued billing me, sent me to collections, continuously sent past due statement and reporting me to credit reporting agencies while the billing dispute was pending! A letter dated XX/XX/2021, stating a {$1500.00} credit and/or refund with adjustments was going to be issued but I continue to receive invoices with interest, harassing phone calls from collection agencies, and e-mails stating past due balances. Meanwhile XXXX is not addressing incomplete installation of my appliances, missing parts, and no warranty issued for my appliances! XXXX tells the XXXX XXXX XXXX ( i.e., XXXX  ) they were working the customer but the actions by XXXX toward me is different and fraudulent ; lies and gaslighting me ( i.e., the customer ). This has been going on since XX/XX/2021. Given the letter dated XX/XX/2021, stating credit/refund and adjustments, I continue to be harassed, bullied by XXXX Credit Card d/b/a Citi Card and it's agents ( i.e., collection agencies ) even after requesting a cease and desist order! I received a letter acknowledging my request but the harassment continues in retaliation for my complaints! XXXX XXXX and XXXX Credit Card consumer fraud activities are with impunity thus far!
Consumer complaint received 2022-07-12
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. (LA)

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transactions arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This violationS 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666 ( b ), Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-16
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 have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7  separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX Bank account # : XXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I began the refinancing process with Lake View Loan XXXX XXXX 2020. 
I have been displaced from one processor to another, totaling two as of today. 
I received an initial email from my 2nd loan agent on XXXX/XXXX/2020. 
I sent a status email to her on XX/XX/XXXX. I placed multiple emails and voicemails, when after several weeks of no return calls or responsive emails. ( Dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) I finally received a call that due to an audit, things had been delayed, no such knowledge of this in the weeks prior. The agent informed me that she would do better with communication. I was not confident in the company at this point but proceeded. 
We agreed on a closing date of XXXX/XXXX/20, with the closing disclosure set to be sent to me within 2-3 business days. To date, it has been 7 business days with no disclosures. I have left 2 voicemails and sent another 3 emails requesting status updates, as the date is fast approaching. ( Dates : XXXX, XXXX & XXXX ). No return call, or email. I find this to be very disheartening and unprofessional, as I have returned documents and responded to their requests for documents in a timely fashion. I do not intend to continue business with this company, as it is clear, they do not value their consumers, time or exercise good time management. This company is by far the worse mortgage company I have encountered. As a recent first time home buyer, I am saddened that they cheapened my experience.
Consumer complaint received 2020-11-06
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)

Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to XXXX. XXXX XXXX. It is now XX/XX/2020 and I have not received a response of any kind from XXXX. XX/XX/XXXX in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with Experian XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that XXXX. XX/XX/XXXX has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to XXXX XXXX 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from XXXX XXXX attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against Experian for not properly investigating and deleting this and against XXXX. XX/XX/XXXX for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that XXXX. XXXX is fraudulent and Experian as well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.
Consumer complaint received 2022-07-13
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$8200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$240.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I had a collection report item from XXXXERC, i called and paid XXXX  directly they said they will send me a letter saying they have ERc remove the item from my credit report since i paid them directly. They sent me the letter i forward to ERC and they said they dont delete items off the credit report.Since i paid XXXX  directly ERC has no claim on any debt since i paid XXXX directly. there is no collections to report since i paid off the orginal company, ERC has no rights to add something to my credit report since they have no debt to report. I need this removed from my credit report as I am in the procress of closing on my XXXX load for a house purchase.
Consumer complaint received 2021-06-09
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. (VA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (AZ)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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.
Consumer complaint received 2021-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XX/XX/2021 my daughter XXXX XXXX XXXX ran a credit report with XXXX. On that report it noted A Capital One Account with a balance due of {$4200.00}. The Capital One account is my account, XXXX XXXX. I opened with only my SS number. At no time was Capital One provided her SS number. She is a Authorize User. She went away to college and this was a Emergency Card only. No where on the Capital One information is it listed she is authorized user. I attempted to call Capital One and they were rude and noted I have to write a letter and could only mail and that it would take 30 days to resolve. My daughter is moving from California to XXXX for her XXXX job. They need to be there is 2 weeks or he losses his job. Due to the error from capital one they are having a difficult time renting a apartment.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a Sony Visa card from Comenity Bank. 

I have had this card registered for autopay ( that is, to have my payment taken from my checking account automatically ) since XXXX. In XXXX of XXXX, I used this card to make a payment of approximately {$7.00}. 

Comenity Bank failed to process the autopay. Instead of processing the autopay, they held the debt as unpaid. In addition, they failed to provide me with a statement at the end of the month. 

Since Comenity Bank never notified me that they were going to cancel or stop taking my autopay, I believed that my bill had already been paid. I was shocked when, in XXXX of XXXX, I started receiving phone calls regarding an unpaid bill. I exorcated Comenity thoroughly for not taking the autopay as they should have and paid the bill directly. 

I recently found that Comenity has reported a delinquency on my credit report. I should not have a deliquency because of Comenity 's failure to take my autopay. 

I want the delinquency removed immediately.