davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 2020-09-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-11-01
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. (NV)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX Inquiry Date XX/XX/XXXX ;
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 status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt on there. I called immediately and settled this. I was very confused because I had settled this account before it did charge off so I wouldn't have to worry about that. I however, was unaware about any remaining balance on that account. When I spoke to the representative I let them know that I would like to settle the full amount and thought that was done with. However, I ended up paying the charged off debt for {$45.00} that I was not aware about. I never received calls or notices about it. I ask that Capital One please remove this from my credit as it was their mistake.
Consumer complaint received 2020-09-02
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. (CA)

XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.
Consumer complaint received 2022-07-08
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: Aldous & Associates, PLLC (FL)

N Accordance with the fair credit act XX/XX/XXXXaccount # XXXX, XXXX, XXXX, has violated my rights. Aldous, XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.
Consumer complaint received 2021-10-31
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: CITIBANK, N.A. (FL)

This letter is in dispute of the Macy 's 30 days late payment that has been reported for XX/XX/2021. 
Macy 's has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that Macy 's did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the Macy 's finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was Macy 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that Macy 's lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Consumer complaint received 2020-09-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. 

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (VA)

I have an FHA loan from BB & T and due to the pandemic we have had no option but to apply for a forbearance plan. They have called me countless times from beginning of XXXX ( I didn't pay only the month of XXXX ) to tell me I have a missing month that in fact the forbearance plan I applied for will put XXXX in the end of my loan term. I have heard the word foreclosure countless times, until I school them on what my plan and rights are. I applied for the plan that puts my missing months towards the end, I am not missing payments to get calls 20+ times. Agreements don't mean anything anymore. They call me and ask about my information before disclosing anything, how can I trust them if its no scammer. Each call takes 10-15 minutes of my day, due to an error on their end.
Consumer complaint received 2022-01-18
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: T.S. Holdings (FL)

THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2020-09-02
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. (CA)

XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.
Consumer complaint received 2022-07-08
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 have recently reviewed my consumer report and there are several inquiries that I have not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 A I have the right to privacy 15 USC 1681 Section 604 A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

15 USC 1681 et SEQ I have also filed a police report for fraudulent inquires and they are list on the report see attached documents
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

I purchased a car from XXXX in XX/XX/XXXX. They utilized Santander, an XXXX authorized lender, for financing. Not making enough money working XXXX, I fell behind in my $ XXXX  monthly payments. They repossessed my car in XXXX XXXX. 

Santander was sued by a group of Attorney Generals ' and a settlement was agreed upon. As noted in the press release, " The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. Todays settlement stems from a multistate investigation of Santanders subprime lending practices, which began in XXXX. 

I meet the parameters for relief outlined in the Attorney General 's lawsuit yet, I was not included in the restoration of deleting the car from my credit reports nor refunding me the monies I paid in settlement ( {$5000.00} to XXXX XXXX XXXX ). I have called many times and all they continue to tell me that they do not know why I wasn't on the list.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX and associates any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX and associates. XXXX and associates has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX and associates ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX and associates has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX and associates has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX and associates used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX and associates repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be zeroed out immediately!
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.
Consumer complaint received 2020-09-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. 

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

While applying for an automotive refinance, the bank notified me of a collection that just popped up. I immediately called the collection agency to ask what this debt was. They told me that they had notified me in writing on XX/XX/XXXX. I have the USPS scan and provide me with images of my daily mail prior to delivery so this can be clearly disputed. On or about XX/XX/XXXX, I spoke with XXXX, the person who answered my call at XXXX XXXX out of XXXX, TX, that the only strange call I received that might have been some attempt was an UNKNOWN number calling me. The caller immediately asked if was the person they were looking for and I said, " yes '' and asked who they were. They told me that unless I verified my identity by providing my address and social security number that they could not even tell me who they were. With " phishing '' and identity theft being a nightmare, I refused and asked who this person was, eventually the call ended. XXXX said that could not be them because that was illegal. Upon looking at reviews on the XXXX website, there is a CLEAR pattern that this is their tactic. Many many reviews suggest that the same " tactic '' was used. Additionally, XXXX stated on the recorded line that he was not sure how or why XXXX was pushing this after all of these years. He suggested not paying it because I could dispute it with all 3 depositories and it would be removed based on the age alone. XXXX removed it within a matter of hours. 

After talking to XXXX, I messaged XXXX ( the company owed the collection ) on XXXX. They quickly verified everything and apologized to me, crediting my account to a {$0.00} balance with rep sending me a message saying " Considering I can date your account history all the way back to XXXX, I would like to just credit this balance for you. You were a great customer here for years and taking care of this amount is one little thing I can do to show we appreciate your time here. '' Had Southwest Collections identified themselves, notified me in writing, or actually made an attempt to let me know about this, I would have immediately called XXXX and likely gotten the same resolve without having it impact my credit. I had a XXXX credit score with  nothing derogatory on my profile. I had over {$20000.00} in my account and would have offered to pay the piddly {$110.00} instead of getting declined for a car loan that forced me into accepting a much higher rate at a different bank that will cost me {$4500.00} over the life of the loan. As a result of my loan denial, this has become " Actual Damages '' and something I can not recover from without legal intervention. 

As I stated, if you look into complaints about this company, you will notice a big pattern of this. Both their phone records and mine should verify this. Their recordings should validate everything I have stated in this, as well as my messages and emails from XXXX/XXXX.