davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (NY)

To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my XXXX XXXX account today. This has been going on a few months now.
Consumer complaint received 2019-05-10
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. (OH)

Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 8 and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-28
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)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, Experian or XXXX ) this action might constitute fraudunder both Federal and  State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (MD)

On XX/XX/XXXX, I requested a copy of my XXXX consumer report from Verisk. OnXX/XX/XXXX, I contacted the consumer reporting agency to dispute the information listed on the report, specifically, claim dated XX/XX/XXXX. I was told the reporting agency contacted the furnisher ( XXXX XXXX ) and it was determined that the information reported is accurate. In the meantime, I contacted the furnisher ( XXXX XXXX ) and was provided a letter that states the information listed on the report is NOT accurate and has been changed from a claim to an inquiry and that the information has been removed from their records and have initiated the process to have it removed from my public record. On XX/XX/XXXX, I spoke with a representative from Verisk that stated the inaccurate information will remain on my public record for 5-7 years, and the insurance companies only look at the last 5 years. This is not acceptable! Under the Fair Credit Reporting Act, inaccurate information must be removed. Consumer are being penalized for inaccurate information reported by this reporting agency.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, 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. (NY)

Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's transunion, XXXX, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

I got an AMEX Gold card that carries an annual fee of {$350.00}. I closed the account before the promotion ( 1st year fee waived ) ended in early XX/XX/2018. But I was billed for the annual fee AFTER the acct has been closed. I have called AMEX after received the bill, and AMEX promised to stop the erratic bill. It has been over a year since then, and I still receive the bill for {$350.00}, yet the bill shows that the acct has been closed. I called AMEX last month, the rep claimed that the fee can't be waived. I requested to speak with his supervisor. He told me that his supervisor will call me within 24 hours. The call never came, and I still continue to receive the bill.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (AZ)

Good afternoon, In XXXX and XXXX we called XXXX directly and made payments over the phone for the balance due. At that time we were told all balances were paid in full by the representative. XXXX then reported to the credit agencies that we were late. We called and made all payments with them directly and were not told of any further due balances. We have tried to resolve the error in reporting with XXXX directly and then refuse to fix the issue. We called again and paid another month 's balance and were not told of an additional balance being due. They then applied our payment to a previous month. On our end we believed everything was paid or we would've made a second payment. We were not told. They sent no communications or via email or phone call letting us know we were behind. We greatly appreciate any help in resolve this issue and fixing our credit report. We were previously at a score of over XXXX and have since been reduced to a score of below XXXX because, of this misreporting. We need this fix as soon as possible to move forward with our business needs. Thank you. 

Best regards, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting me late. I was never late on these accounts and I am under auto pay with my cards and I ensure that there's always money on my card and it's never empty
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof including certified copies of both the contracts and supporting tax documents. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (LA)

They sent copies of credit card statements with 3 digit numbers, no copy of the contract I told them that the account did not belong to me.

They filed court paper work, I went to court and the case was rescheduled, I went to court a second time and the sheriff said all cases had been rescheduled till further notice. I was out of town when the sheriff tried to serve me again, but he left his business card in my storm door. When I returned from vacation I called the sheriff to inquire and was told I would be served again.

I was out of town again, and while out of town I received a e mail from the clerk of court stating that my court date was the next morning at XXXX XXXX. 
I called the clerks office to inform them I was out of town and I asked for a continuance, no one answered so I left a message, and I sent a e mail to the clerk of court, no one responded I let them know when I would be returning home. When I returned home I contacted the clerk of court 's office to see what was going on but the clerk never contacted me. 
On XX/XX/2024 I received a letter in the mail which was a judgement. I informed the court and collection agency also that statue of limitation had run out according to Louisiana law as well as Delaware law where Unifund CCR , LLC is registered. My complaint is the debt is not mine and the statue of limations has run out by 6 years according to law.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kirschenbaum & Phillips P.C (NY)

Hello, KIRSCHENBAUM AND PHILLIPS of XXXX XXXX County sued me without my knowledge for a credit cart debt of {$5700.00} which I was unaware as I never signed up for that credit card, and whose fraudulency I am attempting to prove, however I can't move forward on the case because I have contacted the agency repeatedly with requests for the paperwork ( the validation papers, proof of debt, and court case ) which, according to law, the agency should provide me within 5 days of my request. 

I requested the paperwork on XX/XX/XXXX ( told it would take at least 30 days ), XX/XX/XXXX ( with the insistence that it be sent in 5 days ), XX/XX/XXXX ( when the agency claimed it was sent on XX/XX/XXXX, yet  mysteriously never arrived even though there is a doorperson at the address ), and again today, XX/XX/XXXX, when the three people I spoke with refused to give me any answers. 

I know legally the agency is in the wrong by not getting me the papers, but that's not helping me to force them to send me the papers as they are required to. I would therefore like to file a formal complaint against KIRSCHENBAUM AND PHILLIPS and request help getting the documents I need for my case. 

Many thanks
Consumer complaint received 2024-10-08
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. (TX)

There is a XXXX XXXXXXXX XXXX XXXX reporting to my Experian that is illegal and fraudulent. I haven't lived in XXXX XXXX since XXXX, XXXX. When I called they informed me that the account was open in XXXX XXXX and they still proceed to be illegal and keep updating my address with the one I provide them for their response. They keep asking for my new address and then they add my new address to this account which is illegal. THIS ACCOUNT IS FRAUDULENT! 
I Am entitled to my Consumer RIghts. Account : XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Experian, you are my last hope. Please remove this fraudulent account from my report within 4 business days. I attached everything requested, thank you. 
I ALSO ATTACHED MY XXXX LEASE TO THIS COMPLAINT. 
I RESIDED IN XXXXXXXX XXXX WHEN THIS ACCOUNT WAS MADE. I DO NOT LIVE IN XXXX XXXX. I AM A VICTIM OF ID THEFT. PLEASE REFER TO MY LEASE ATTACHED. 
I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else. 

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION. 
I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I have been a resident of XXXXXXXX XXXX since XXXX, XXXX. I attached my lease from XXXX and My current electricity bill proving that I STILL ONLY RESIDE IN XXXX XXXX
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.
Consumer complaint received 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX  but showed I have no credit history. Transunion was showing dahes. I had no score with Transunion. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and XXXX but it shows I have no credit at all. Transunion would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (CA)

I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX   XXXX again and I had a XXXX score with Equifax but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX XXXX more times and was still not able to get any information. Also, I have tried pulling my report through XXXX   and was able to access my report for Equifax and XXXX but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (RI)

I have a Citi Credit card ending in XXXX I have had it for years and have it set up for auto draft through my primary checking. I made an additional payment on XXXX for XXXX dollars, for some reason Citi processed this payment through an old account i keep next to no money in. No idea why it didnt process through my primary account that I have used for every payment for last few years. When my old bank XXXX received the ACH they rejected it and charged me an over draft fee. Citi proceeds to reprocess this ACH every day for last two weeks with it being rejected every day incurring me numerous fees. I have contacted both parties and no one is wiling to help or explain why no one made any effort to contact me over last 2 weeks to make me aware of this issue. I have been charged 4 over draft fees by XXXX and one returned check fee by Citi totaling over 160 dollars. All for one transaction.