davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

Chex system has been issuing denial letters to banks. Saying XXXX an account or inhabe something delinquent on my report. The following day I pulled my chexsystems report and there is nothing negative on my report at all nothing opened nothing negative at all. Also I know the cfpb as well as the corporations they protect are not here for us as consumers but to protect the business from us as consumers. So if my issues is not resolved within 7 days of this complaint Ill file suit against both Chex systems and the cfpb.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a previous claim : XXXX-XXXX It looks closed. But i am not satisfied. 

CapitaOne response : " According to our records, we spoke with you on different occasions and advised the reason for the restriction to your online banking was due to a discrepancy in your personal information.This discrepancy was due to the information used at the time of the application. We sent you aletter on XX/XX/2021, asking you to call us to clear up this discrepancy ( enclosed ) .However, we never received the required information to unlock your online account. '' THIS IS A COMPLETE LIE. They requested documents from me and I upload them to a website they provided. I upload my social security card and my driver 's licence. 

I RECEIVED A NEW CREDIT CARD. But access to the website and trying to pay over the phone with an agent from CapitalOne NEVER WORK. SAME PROBLEM! 

I had call them severl time. They have called me several times and in 6 months they are not able to provide a solution. They are very inefficient as a bank.
Consumer complaint received 2024-10-25
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. (AL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (OK)

They call between 30 and 50 times a day. My business phones are tied up all day long and it's affecting my customers being able to call. The person they are looking for is no longer working for me and I have told them this on multiple occasions. I do have my phone records for proof. I will keep the records and any future ones as well. If they continue to call my business I will be forced to proceed with legal action of harassment charges.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-09-19
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. (IL)

On XX/XX/21 I sent Experian a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX XXXX  of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. I went back to Experian and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. This items needs to be deleted from my credit report if it can't be verified within 30 days.
Consumer complaint received 2021-09-17
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

On or about 2009 The original Banking Institute Bank XXXX was bought out by BB & T as to their Financial hardships. Since BB & T/ TRUIST have taken over this grandfather account, this Banking Institution Have Strategically attempted to have this Account Confirm to their New Rules and Policies. The Non Agreement of NON-Compliance have caused for this Final Correspondences before a Civil Lawsuit is Filed as to the Unlawful Malicious Actions and Actions as to the Alleged Return Statement Fee, in which the Alleged Statement have not been sent out and in is not in the possession of the Account Holder. Over the Course of a Two Year Calendar this institution have unlawfully Seized Fees and Costs that they are not intitled to and never in any agreeance of, therefor the Account Holder is Requesting for " ALL '' The Fees from Their Inception of this account to be refunded with Compounding Interest within Ten Days. This Is the Last " Good '' Faith effort to Finallly Resolve this matter as Time is of the Essence.
Consumer complaint received 2023-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (MS)

I recently an email that a collections has been placed on my credit. I immediately check my credit report and notice att had place a collection on my credit. I immediately called them. I told the representative that clearly someone has made a mistake and I wanted my account and credit clear. I told her the amount was showing {$660.00}. The att representative stated she did not see a balance for that amount at all. I told her according to my report it has a date of XX/XX/2023. I told the lady there is no way I could have a collection when I'm STILL IN FACT a current customer. The att representative agreed. She placed me on hold. When she returned she asked me some security question to which I got all the answers wrong. She inform me that it seems to be account that does not belong to me attached to my account. However since I did not know the answers she could not assist me. And would have to send me to the fraud department. I filled out a online form informing that the whatever account that have attached to my account is NOT MINE. However still no luck.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has received a certified inquiry validation letter from me as of XX/XX/XXXX. This company has not provided strict proof which includes my original signature. I requested the removal of XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX ( see one example in attached documents ). Only XXXX or the other has been removed from at least one of my credit reports since XX/XX/XXXX.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC (NY)

Valor Intelligent Processing is collecting a debt from XXXX. They say they are a XXXX party collection agency for XXXX, they told me they could settle the debt but they wouldn't let me pay for delete. When I questioned it they said things like, we can help you fix your credit if you pay this off today. I wish you would request the phone recording because what they did was either bad or in a very dark part of the grey area. Oh
Consumer complaint received 2023-08-08
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)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MO)

ECSI is reporting on loans that were on forbearance inaccurately. Customer service say that I wasn't required to make payments while on covid forbearance yet report it as late for a period of 10 months. When contacted the chat agent directed me to call the school instead??? School directed me to call servicer as they don't deal with reporting?! Essentially both the school and the servicer don't know what is going on, so I guess it's up to the borrower to figure it out somehow? Also, I am signed up for paper mail but was not notified by mail that my eligibility was ending and they needed paperwork by some XXXX date. Apparently, it was only sent by email which is not my primary form of communication. I believe this is intentional and by design. One would expect any time sensitive material to be communicated by the means the borrower is signed up for. Customer service claimed they only send out notices when bills are due and some specific types of communication and could not really explain why I was not contacted by mail.
Consumer complaint received 2021-09-17
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. (GA)

IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

I went to XXXX 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.
Consumer complaint received 2021-07-08
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. (FL)

I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # XXXX : XXXX and XXXX
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion and XXXX are violating my rights by reporting a debt that I do not owe!!!! They are violating 15 usc 1692g and 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to this law XXXX XXXX XXXX is clearly creating a false impression that I owe a debt to them thats definitely not owed!!!! They are pretending to be collecting a debt on behalf of XXXX XXXX XXXX  which is not true! XXXX XXXX XXXX  has no interest in this debt, therefore by Transunion and XXXX reporting this debt they are in violation of the law according to the FCRA and FDCPA!!!! It is clear that XXXX and Transunion are in violation especially because XXXX has already removed the erroneous information from my file. They have done so because they know by reporting this unvalidated debt they would be violating the law which is punishable pursuant 15 usc 1692k in the amount of XXXX dollars per violation per day that they refuse to abide by the law!!!! XXXX and Transunion are also violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! They have both failed to do so!!!!! XXXX, XXXX XXXX XXXX, and Transunion are violating 15 usc 1692d ( 4 ). I have provided a letter from XXXX XXXX XXXX  saying that they have no ownership of this debt and have no financial interest in this debt! I have also provided my identification so that XXXX and Transunion know that I submitted this complaint. I do not owe XXXX XXXX XXXX anything and this letter proves it!!! They are committing the crime according to the FTC called debt parking!!!! Ive also provided an example of what happened to another company that was in violation of the laws mentioned above!
Consumer complaint received 2021-09-16
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: ENCORE CAPITAL GROUP INC. (CA)

I first noticed an entry on my credit report that was furnished by a company named Midland Credit Management , INC . I then went ahead and contacted their company to further investigate this item on my credit report. I know first and foremost that no item can be put onto my credit report without permissible purpose and upon submitting a dispute with midland credit they have completely and utterly ignored me, the consumer. I sent my letter Via USPS Certified Mail and the tracking number is # XXXX and was left with an individual on XXXXXXXX XXXX. on XX/XX/2021. I still have not received a reply which puts them further than the 30-day period they have to investigate the item.
Consumer complaint received 2021-09-17
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. (FL)

Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint. 

This document has also been sent Certified mail to this organizations offices.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

I opened an account with US Bank XX/XX/2021. For the second time now, I have had problems with their reports to the 3 major credit bureaus. 

For example, XX/XX/2021, I paid out this account. I had no payment due at the time. But, I paid out the account because I had problems with their reporting just the month before where I paid on my account before the due date ( even then I had no payment due ). The report to the credit bureaus then indicated I had made no payment on the account, but that I had paid on time. 

So, XX/XX/2021, again, I had no payment due because of previous payments. On that date, I paid out the entire balance on this account 4 days before the payment due date of XX/XX/2021 ; and, 7 days before the statement closing date, XX/XX/2021. On today, XX/XX/2021 I received a notice from XXXX  Credit Bureau that I had an increased balance on one of my accounts ; it was US Bank again. According to XXXX, the report was issued to them today, XX/XX/2021. 

For this account, my payment due date is the XXXX of each month. The statement closing date is the XXXX. But, this bank reported my " balance as of XX/XX/XXXX '', which just happen to be the day I made the pay out payment. My receipt indicates the payment date of XX/XX/XXXX. 

It would seem this bank is reporting false information and actually closing out statements before the statement closeout dates in order to charge interest they would otherwise not receive! 

Please investigate their practice of credit reporting, payment due dates and statement closing dates. 

Thank you. 

PS. I have tried to copy and paste a copy of my credit report referring to this account, but couldn't get a clear picture. But, I have attached a copy of my most up to date, but redacted, account summary from US Bank and a copy of that payment receipt. 

If you need a copy of my XXXX  report to investigate this matter, please let me know. I'll call XXXX  to determine how to make a legible copy. 

Thank you again.