davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (GA)

I sent disputes on XXXX, XXXX and XXXX under the Fair Credit Act including Section 91-506, Title VI, Section 611 and Section 609 via Certified Mail, Fax and thru the Experian Website. I disputed the entries on my credit reports from XXXX XXXX ( Partial Acct # XXXX Opened XX/XX/XXXX ) and ( XXXX XXXX XXXX Partial Acct # XXXX Opened XX/XX/XXXX ). I requested a full investigation and validation of this debt and requested under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), for  Experian to verify, through the physical verification of the original signed consumer contract for these disputed account. Experian did not follow the law and has not fully investigated these accounts and is in violation of the Fair Credit Reporting Act furthermore the XXXX account is reported 6 charge offs which is impossible by law, you cant charge the same account off more then one time. Experian continue to damage my reputation by not removing these two items from my Experian Credit Report and are subject to a federal lawsuit for these repeated violations. This is my final request for Experian to follow the laws and fully investigate and delete these two items from my credit report if there not validated by Experian reviewing actual account documentation including a sign contract and related identity verification documentation..
Consumer complaint received 2022-12-03
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: Nationwide Recovery Systems, Ltd (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states I have the righ to privacy 15 usc 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-06
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. (OH)

The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/XXXX  # XXXX
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capital Accounts, LLC (CA)

Capital Accounts ( https : //usecapital.com/ ) reached out to me to collect the {$200.00} medical debt from XXXX  office. It turns out XXXX   office had my address wrong ( hence I never received the bill, and they never bothered to call me up until the bill got to collection agency ) and capital accounts collection agency found me by phone and was doing the following : 1. threatening me and my safety 2. charged me outrageous interest ( 20 % interest for 30 days of no-payment ) 3. claiming that they had the right address when in reality the address that they ( and XXXX  office ) were trying to contact me doesn't exist ( they were sending letters to XX/XX/XXXX str that doesn't exist in XXXX XXXX ) 4. calling me on weekends and outside of working hours 5. being extremely unflexible, unfriendly and unwilling to cooperate
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (AZ)

IC Systems is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. IC systems wont provide accurate information on contract to validate account. 

4. XXXX  wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. XXXX  wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. IC Systems reporting incorrect date of last activity, IC systems is Re-Aging account eah month. 

7. Every month IC systems change the Date of Last Activity. 

8. XXXX  reporting incorrect information. 

9. XXXX is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-03-13
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. (MD)

Checked my credit report and to my surprise, I seen numerous fraudulent hard inquiries on my report. I contacted the credit bureaus. They said to contact the FCRA and a complaints first. 


XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020+ XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XX/XX/XXXX XXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XX/XX/XXXX XXXX XXXX Balance : {$2200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XX/XX/XXXX XXXX Balance : {$4300.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XX/XX/XXXX ( Original Creditor : 01 XX/XX/XXXX ) XXXX Balance : {$1600.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (CO)

I am having problems with Credit Union Leasing of America picking up my vehicle at the end of my lease. It has been 5-6 weeks since  contacting them the week of XX/XX/2020. I have been contacted by 2 tow companies via CULA, but neither have obtained the vehicle, perhaps due to the rural nature of my residence and distance from the  city. I was told that the vehicle would be obtained/secured on XX/XX/XXXX, but that did not happen either. There is no way to escalate my issue with CULA. There is no transparency or way to schedule the pickup of my vehicle.

I paid a {$400.00} disposition fee at the end of my lease. I assume that part of this money goes to CULA to manage this pickup process as well as pay for the tow service. If they are getting paid, why haven't they picked up the vehicle?
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

After more than XXXX years, in XXXX of this year, XXXX, a bill payment company, denied me access to their XXXX XXXX. XXXX was the agent of Pentagon Federal Credit Union. XXXX first said that the reason for the denial was that I had a prior XXXX  XXXX XXXX. When that was shown to be an incorrect statement, they then said that the reason was that I had not provided a correct home address. A Pentagon Federal Credit Union disabused them of this notion. For the third reason, XXXX said that I was contacting them maliciously, although I have never sent any email to BillPay, and no such malicious contact was documented by Pentagon Federal Credit Union.

As may be seen in the attachments, I have asked them to document their claim, but both Pentagon Federal Credit Union have refused to do so. I notified Pentagon Federal Credit Union and XXXX XXXX XXXX, that I had withdrawn XXXX XXXX agency to handle my financial information including the creditors and the amount that I paid them, and they have refused to revoke the agency. I demanded that the information possessed by XXXX XXXX XXXX, be turned over to the Pentagon Federal Credit Union, and both XXXX, XXXX and Pentagon Federal Credit Union have intentionally refused to provide me the requested information. I asked Pentagon Federal Credit Union to provide specific information regarding the handling of my XXXX complaint, and they have refused to do so. Full documentation of my complaint is on the PDF file and the Word file attached to this complaint. 

Both companies actions have interfered in my financial affairs and prevent me from making an adequate presentation of my complaint to your offices. As this matter may go further, I am asking that the information that I have requested from both XXXX, XXXX and Pentagon Federal Credit Union be provided to me.
Consumer complaint received 2020-10-11
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. (AZ)

I have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-11
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. (AZ)

I have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.
Consumer complaint received 2020-10-11
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 {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

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

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I show a bankruptcy on TransUnion and XXXX credit report. US BANKRUPTCY COURT NORTHERN XXXX Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Numerous times ive been disputing with equifax to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX, XXXX, mi. XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
I do not live at these addresses. At this point, equifax is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I want this employer removed immediately. Also numerous times i have disputed to have a incorrect name spelling removed. My name is not XXXX XXXX. I dont understand why they would keep this incorrect name on my credit report. Please remove this immediately.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NJ)

I have got a new active cash card from Wells Fargo. I called a customer service representative to inquire if I had spent enough to get the opening bonus andand was told that I had completed the {$1000.00} spend for the {$200.00} bonus and I just had to wait. At this point I had more time to finish the spending but I stopped because they confirmed. 

However now I call back and was super rudely told that I only spent {$980.00} and was not eligible. Even though customer service told me that I was, they are now refusing to give me the bonus. This is the most horrific customer service experience I have ever had. I spent more money keeping in mind that I would get the rebate and they are refusing now.
Consumer complaint received 2020-10-11
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. (TN)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK USA NA - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous times ive been disputing with Transunion to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, mi, XXXX. 
XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX. 
I do not live at these addresses. At this point, Transunion is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I dont understand why it hasnt been removed. I want this employer removed immediately.
Consumer complaint received 2020-10-11
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. (IN)

On XX/XX/XXXX I submitted a dispute in regards to 3 student loan debts that were being reported as collections on my credit report that I believed should have aged off of my credit report by now. On XX/XX/XXXX I received the results of the dispute stating that the information " is being reported accurately ''. Upon further investigation I realized that I also had late payments being reported on all three of those student loan debts including the one that is currently open ( which is the same loan, just transferred ) when in fact all of my student loans have been in forbearance since XXXX until present. They were just transferred, but we're NEVER late. 

I was able to find proof of the open account being in forbearance which is attached below.