davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (WA)

Credit acceptance Corp reported on XX/XX/2021 {$10000.00}. This account was already paid in full. I spoke With them when I was Buying my house a few months ago and they verified the account was paid in full. The original amount was {$19000.00} and a payment of {$8500.00} was a settlement amount they agreed on and then after the settlement they added it back to my credit as delinquent in the amount of {$10000.00}. This is false reporting and I want them to be held accountable. I almost Wasnt able to buy my house because of this and my interest rate is higher now.
Consumer complaint received 2022-11-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

Good Day, Thank you for allowing me to file a complaint against this company regarding this matter. 

I have requested this company, FIRST POINT COLLECTION RESOURCES, INC. to immediately stop reporting this alleged medical debt. 

I have requested complete verification and validation along with a signed contract between FIRST POINT COLLECTION RESOURCES, INC, and myself that would authorize this company to gain access to my personal medical data, as they have not, this is a violation of my HIPPA protected data.

They have not provided me with this and are violating my rights and engaging in character assassination.

Thank you for your assistance.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I reported unauthorized charge from XXXX for XXXX to Capital one I explained to them that the pending charge was not mine. They informed me that they would be closing the card and reissued a new one. The next day they report my balance to the credit bureau with the included fraudulent charge amount. My statement balance had already been reported to the credit bureaus XX/XX/XXXX in less then seven days they reported my balance again resulting in a decrease in my credit score of XXXX points. On XX/XX/2022 they reported the balance again and dropped my score for a second time. I called to complain but received the run around from there employees. Then when I asked to speak to a manager I got hung up on.
Consumer complaint received 2020-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (WA)

I have contacted Equifax a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Equifax it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX  XXXX. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Consumer complaint received 2020-12-06
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (IL)

American Honda Failed to validate account number XXXX per my request mailed on XXXX/XXXX/2020. 
Due to American Hondas failure to validate account number XXXX, I mailed a follow up letter on XXXX/XXXX/2020. 
On XX/XX/2020 I mailed American Honda Finance a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XXXX/XXXX/2020. Return Receipt Tracking number XXXX. 
Due to American Honda Finances failure to validate account XXXX twice, I demand the tradeline be deleted from my credit reports immediately.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

After paying {$9200.00} to pay down my credit account, my account was closed. This action by Wells Fargo is an unfair business practice and should be stopped. Had I known my account would be closed the very next day my decision to pay a significant amount of money would have been different. I am told the decision to close my account was made the very same day I rendered payment. This action taken by Wells Fargo to close my account is both reported inaccurately on my credit report and puts me in an economically and fiscally vulnerable position at the time when I find myself impacted financially by the COVID-19 pandemic. I had asked to be placed on payment assistance and for my current employment status to be taken into consideration. I am now without a job, {$9200.00} dollars, a bad credit report that is false and inaccurate during a time when the uncertainty and I find myself unemployed with no saving and unable to financially sustain. If I had known my account would be closed, I would have not made the full payment of {$9200.00} dollars given my unfortunate circumstances.
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

PORTFOLIO # XXXX THIS COLLECTIONS IS CONSTANTLY REPORTING ON MY XXXX CREDIT REPORT EVEN THOUGH IT'S A VIOLATION. 
I'VE DISPUTED THIS A NUMBER OF TIMES AND STILL COMES BACK VERIFIED PORTFOLIO # XXXX SHOWS A PAYMENT STATUS OF 120 DAYS LATE AND PAYMENT ACTIVE AFTER PAST DUE $ XXXX ON A COLLECTION Account Type : OPEN
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

In their letter of XX/XX/XXXX attached to this complaint Citigroup representative XXXX XXXX provided me with the following information : " Our investigation found that we previously requested that information be removed from your email messages. However, a subsequent request reversed the adjustment. We have again requested that the information be removed. 

Please allow up to two billing cycles for that to take effect. If after two billing cycles, the account information has not been suppressed from your statement email notifications, please call me directly at the number below, Monday through Friday, between the hours of XXXX XXXX and XXXX XXXX ( ET ). '' It appears that XXXX XXXX of Citigroup provided me with false information since the sensitive information had not been removed from Citigroup 's statement email notifications. Citigroup 's response of XX/XX/XXXX, which is also attached to this complaints, stated that Citigroup is unable to protect my personal private information.
Consumer complaint received 2022-09-22
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Consumer complaint received 2022-09-20
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. (FL)

This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.
Consumer complaint received 2021-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX I spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit that was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-05-14
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)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. (PA)

XXXX XXXX Account # XXXX XXXX Open date- XX/XX/XXXX Experian Open date- XX/XX/XXXX XXXX Open date- XXXX XXXX Last active- XX/XX/XXXX Experian Last active- XX/XX/XXXX XXXX Last active- XX/XX/XXXX Date of Last payment XXXX-  XX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XXXXXXXX 120 late Experian- XXXX 150 late XXXX- XXXX 120 late It is also my understanding that Under the FCRA 15 USC 1681i, every single one even each any or all of the unproven, no compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Multiple letters sent starting in XX/XX/XXXX thru XX/XX/XXXX. With no response or letters back Calls made with being on hold for hours Dispute online unable to upload documents as asked.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received copies of my credit report currently and saw inquiries that I have reported to all XXXX credit bureau on more than XXXX occasion. I have placed more than XXXX disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all XXXX credit reporting bureau ( Transunion, XXXX, and XXXX ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : Transunion : XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX XXXX XXXX XXXX XXXX  Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquire on XX/XX/XXXX ( Twice ) Inquire on 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 2023-07-28
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX and myself has part ways since XXXX this information is still listed on my credit report. this account has been closed for several years, Ive ask for it to be removed
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Shellpoint Partners, LLC (FL)

XX/XX/15 I called my mortgage company to inquire about to steps I need to take to remove the PMI. The associate XXXX XXXX, XXXX # XXXX stated that he can help me with that and started gathering income and assets info from me and my wife. XXXX put me on hold to see what options he may be able to offer me. When he got back on the phone I asked him why he is gathering all that info just to remove PMI. He inform me that he was refinancing my mortgage. I informed XXXX that I was not trying to refinance my mortgage and that I specifically ask him about the PMI and that was all. Short after I ended the call with him I received an alert of a hard inquiry on my credit and my wife also had a hard inquiry. XXXX never talk to my wife and he never got an authorization to run her credit and refinance my loan.
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried to contact TransUnion, XXXX, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX XXXX ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of The XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. 
The inquires that need to be removed due to no knowledge of them are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 
2 ) Refusing to updated and removed false information from credit report.

3 ) Each credit Bureau have different information from one another.

4 ) I provided them with proof and they still refused to remove false information.

5 ) They did not take their time to go over my credit report.

I have 5 violations that was done to me by TransUnion, XXXX and XXXX. Meaning I should be getting a check for {$5000.00}.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XXXX - {$XXXX} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. XXXX  HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR XXXX XXXX XXXX 

CREDIT COLLECTION SERVICES UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT AND UNLAWFUL. 

ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. 

XXXX  IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

IN ADDITION, SECTION 1681C ( A ) ( 5 ) REGULATES HOW LONG INFORMATION CAN REMAIN ON A CREDIT REPORT, BUT NO 1681C PROVISION REGULATES WHEN INFORMATION CAN INITIALLY BE INCLUDED IN A CREDIT REPORT. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED AND PLEASE INVESTIGATE FOR WIDESPREAD ABUSE. 

THANK YOU.