davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (OH)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HAWAIIAN, INC. (HI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

Equifax : XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized!
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (MO)

Speedy Cash of XXXX XXXX  and XXXX  in XXXX Arizona is Doling out title loans against vehicles in direct violation of Arizona statute not only this but Arizona allows the extortion according to the Department of Motor Vehicles and will not release the title unless the Creditor releases the note thereby co-conspiring against service members- retirees Etc and this includes people in the XXXX  XXXX XXXX of which I was in XXXX. This XXXX I have my full retirement orders. this company watch to play the same game since the credit bureau they push three buttons on a computer they claim they have no working knowledge of any data and that I have handed them a lie which I have not been papers are official from XXXX Tennessee to XXXX XXXX personnel office in response to the XXXX XXXX XXXX XXXX three secretaries ago under direction of President Obama and the Bureau for correction of Naval records these documents could not be more official. 

This company will not listen to reason they do not care for the truth and they continue to extort service members that more than 300 % interest I asked them to cap it at 30 % and they absolutely refused. I keep trying to send me back to their team of lawyers even though they're in direct violation of Congress at this moment because Congress is passing laws to stop this predatory lending. 

The local sheriff 's are in on this and want me to go talk to a lawyer at XXXX to {$750.00} an hour. i can not afford an attorney. I could not afford one to defend my military rites in XXXX what makes anybody think I can afford one now and at this point with the defense department at the XXXX XXXX XXXX.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports fromXX/XX/XXXX, XX/XX/XXXX and Experian, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both Experian and XX/XX/XXXX credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports from XX/XX/XXXX, TransUnion, and XX/XX/XXXX, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX,XX/XX/XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and TransUnion credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items. 
I expect all items to be deleted as the credit bureaus are non- compliant and now in violation.
Consumer complaint received 2020-12-06
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. (PA)

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXXX/XX/XXXX is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX  XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXXXXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Today is Saturday XX/XX/2023. I called Equifax. I went on the site to dispute two Harding inquiries. 
The first representative had no clue wanted a police report wouldn't help ask for supervisor I got his survey. 
Finally I got a hold of a supervisor by the name of XXXX. 
XXXX she's as bad as her representatives. And I have a lot of knowledge and expertise and I'm a customer service and billing consultant and make secret calls for corporations. 
Anyway. I go into disputes on their site I dispute the hard and inquiry it only gives me three options that I didn't authorize it that it's fraud and it's not mine? 
Above it it says if I wanted to add additional comments which I did because those are the only three options and none of them apply. 
So I hit edit and it brings me back to the original screen to submit the dispute. 
I don't know how many times I was asked with the problem was that I need to do it on line I went through it tried the disputes told him what I was seeing. 
So speaking to the supervisor I assume she would be able to do it on the computer because the phone computer says that I can do it manually with a representative. 
she had no clue. She took my statement but I know she wasn't typing it in that's why I asked her for her name. 
There's two hard inquiries and one is from a credit called called aspire Nowhere on their application is there any disclaimer that they do not service certain states and one of them is my state of Massachusetts. 
Knowing that and knowing the application from Massachusetts there should have never have been a hard inquiry. And my denial letter stated it was because they don't service Massachusetts in a few other states. 

But with only those options and no ability to add comments how in the world are they going to know what happened and they're only going to go by what I pressed for an option. 

I want these disputed and one of them is Equifax mortgage services. Which is basically they do a run so lenders can get a hold of me. 

I'm a veteran I'm using VA home loans. They're not even on my report. Equifax had no rights no permission to run a hard inquiry just for their own sake so they could third party it out. 

Those two items I want disputed because of the answers I've just given.

Thank you for your time I'm adding screenshots of the ones I want removed. Also screenshots of disputing it and the problem with me being able to add a comment and only the three options available to dispute something. 
Also I believe it's the last one I uploaded it looks like I need to file the complaint and submit it but that's what it looks like after I hit edit so I can add a comment
Consumer complaint received 2020-12-06
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. (PA)

I submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. XX/XX/XXXX sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my XX/XX/XXXX and Transunion credit report. They are reporting 2 different payment statuses and comments. Transunion is reporting a charge off and XX/XX/XXXX is reporting discharged debt in 3 different kinds of bankruptcies. XX/XX/XXXX and Transunion both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX. This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
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. (OK)

There is an account on my Equifax account that equifax keeps changing, and deleting the account and then adding it back on and changing it again. 
Account Name ( s ) XXXX XXXX XXXX and XXXX XXXX. Account XXXX XXXXXXXX, also duplicates with similar numbers and letters. It shows amount past due of {$1000.00} but charged off {$870.00}. 
It seems to be last active XX/XX/XXXX but it was closed XX/XX/XXXX. The payment structure on the account is very conflicting and does not make sense. Plus it was in the FTC report as fraudulent account. Equifax has not complied with FCRA with this account. 
Equifax does not list this account as disputed and has ample time to either fix or delete the account, it has been over 100 days to do this. This account should be removed from my Equifax consumer report as requested. It is violating my rights as a consumer and violating my privacy rights.
Consumer complaint received 2020-12-06
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. (TX)

I sent a certified dispute letter to XXXX on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from XXXX, XX/XX/XXXX, or Experian. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by XXXX. I also requested for XXXX to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as ofXX/XX/XXXXXX/XX/XXXX with XX/XX/XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the XXXX account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.