davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-05
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. (MD)

Equifax I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with Equifax and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 time Security Questions answered all correctly but they said it was not right and the lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry details XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Consumer complaint received 2020-08-10
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXXXXXX XXXX {$11000.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, my purse was stolen. I immediately cancelled my debit and credit cards, but it did not stop the perpetrator ( XXXX ) from successfully cashing a {$1900.00} check from a bad account against my checking account. When the check came back bad on XX/XX/XXXX, the charge hit my bank account. I called Capital One right away to question the charge. It took a while for me to get a copy of the check which was forged. I supplied a copy of the check as well as my updated drivers license with dates so I can be reimbursed on XX/XX/XXXX after being tossed from department to department and numerous phone calls. I called again today after the last person I talked to said there should be an update and was told there was none. It looks like they have 10 days to review my case and it doesn't appear they've even updated it. I was told I can keep calling back, but it doesn't mean the status will change.
Consumer complaint received 2020-08-10
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (LA)

I recently checked my credit report and found some hard inquiries that I do not recognize. I would appreciate it if you can help me remove these accounts off of my credit report. The hard inquiries are not mine so the information isnt accurate. I appreciate your time! I also filed a report to identify theft.gov Can you please help me this has been so stressful on me having unauthorized accounts destroying my credit. 

Unauthorized accounts Account name : XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX 


Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within XXXX business days of receiving the complaint. 


Thank you so much!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX, XXXX opened XX/XX/XXXX Total {$1000.00} XXXX XXXX XX/XX/XXXX Total {$0.00} Dept of EDXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : {$3800.00} Fingerhut/webbank Dept of EDXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$2400.00} Also inquiries listed below : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX 2023
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries.

TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (OH)

I set a payment plan with javick block on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for
Consumer complaint received 2020-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (SC)

Nationwide Recovery Systems are attempting to collect on an alleged / un-validated debt for {$640.00} ... .while they have reported this information to the credit bureaus, without EVER mailing me a notice. I was never given the opportunity to dispute the debt at all. I also believe that, this debt may have reached the statute of limitation for collection and this agency has re-aged this account over and over in an attempt to collect on it. I am not aware of any medical bills that is in my name in the amount of {$640.00}
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (AZ)

Sent certified letter letter on XX/XX/XXXX with payment via detached coupon. On XX/XX/XXXX spoke with agent on a recorded line. I read the letter to the agent and ask for a formal letter of response in order to verify that the loan would be closed and if there was any additional amount owed that we may be able to address that. Since that call I received no notice of debt. 
On XX/XX/XXXX my vehicle was repossessed. The tow company trespassed onto my property to take the vehicle. I did not receive notice from anybody regarding who or why my vehicle was repossessed until XX/XX/XXXX. I sent an email to the repo company on XX/XX/XXXX and file the police report. On XX/XX/XXXX the repo company sent me an email in response to my XX/XX/XXXX and told me to reach out to the bank lien holder, Westlake financial, in order to resolve this matter. Call Westlake financial on XX/XX/XXXX ask to speak to someone and was told that I had to pay and that they don't respond to letters.
Consumer complaint received 2023-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (MI)

The company healthcare finance direct is predatory. I talked to a customer service representative about not being understanding to people who get behind on non emergency medical bills. He told me if it was that bad I could file bankruptcy as a full time unemployed college student because if I couldn't afford to pay them $ XXXX dollars a month. I knew that wasn't true because I used to work for bankruptcy department in XXXX filing XXXX XXXX, XXXX, and XXXX bankruptcies. They also hold a predatory contract over people 's heads. He asked me if I read the contract to which I honestly answered no and said that they shouldn't have even given me a contract since I didn't have a line of credit. He said that's not his fault and despite the contract being predatory he should get as much money as the contract says. They kept threatening to send me to collections but would never actually send me to collections. The man who told me to file bankruptcy claims to be from North America but doesn't actually live in America. He isn't American and is telling American people to file bankruptcy. Their call center representatives are foreign and seem to have attitudes or evil intentions towards American consumers.
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I submitted extension request for payment to my auto loan as SunTrust offered relief due to the COVID-19 pandemic on XX/XX/XXXX of this year. I received a confirmation email, still they kept charging me installment in the amount of {$670.00} in the month of XXXX, XXXX and XXXX. 

I tried to contact their customer service after a lot of struggle in the month of XXXX. They were rude on the call. After a lot of explanation, they said a manager will call me within a day, but nobody called me till date.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (VA)

XX/XX/XXXX, my XXXX XXXX XXXX XXXX with XXXX # XXXX was repossessed by Ally Bank even though I did not have any dealing with Ally Bank and I do now owe my Bank XXXX XXXX XXXX XXXX. On XX/XX/XXXX, it was redelivered to me. When it was delivered it had damages that were not there before it was repossessed. And the check engine and other lights were on. The wiper water had stopped working. The car was not in the state that it was before repossession. Despite the heavy damages, the Bank did not explain why or fix the damages. There was also no explanation for why it was repossessed for almost XXXX weeks.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by Portfolio Recovery which XXXX is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see. 

On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I spoke with the company on XX/XX/XXXX that I have never received a bill for the said amount that appeared on my credit file on XX/XX/XXXX from a balance due in XXXX of XXXX. The rep gave me the address that they sent the letter to which I have not lived in over 10 years. My current address has been updated with the post office for over 5 years for my current address. I am disputing this being reported on my credit file as the company never notified me that there is a balance due nor have a received any contact by phone.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I had a account with XXXX XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete
Consumer complaint received 2022-06-20
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. (TX)

THIS IS MY LAST AND FINAL NOTICE I AM WRITING BEFORE REACHING OUT TO MY ATTORNEY GENERAL. YOU HAVE BEEN REPORTING FALSE INFORMATION ON MY BEHALF. I HAVE BEEN DISPUTING XXXX  XXXX XXXX XXXX, YOU RESPONSE ON XX/XX/2022 ALWAYS BEEN ITS NOT LISTED COMPLAINT NR XXXX. I PULLED MY CREDIT TODAY AND IS STILL REPORTING AND IT WAS UPDATED YESTERDAY XX/XX/2022. CAN YOU EXPLAIN TO ME HOW ARE YOU INVESTIGATING? DO NOT CONFUSE MY NAME WITH ANOTHER NAME. YOUR RECKLESS, WILFULL, WANTON NEGLIGENT INVESTIGATION IS DAMAGING MY CREDIT. DEFARMATION OF CHARACTER DELETE IT NOW.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}