davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I made two disputes regarding an erroneous collection on my credit report with Equifax on XX/XX/2020 and XX/XX/2020. In the recent dispute, Equifax stated that " Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. '' Yet, I gave specific information, including receipt of payment. They did not provide me with any proof from the collection agency, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, that showed their reporting was correct. 

I submitted a complaint to CFPB regarding XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, and originally was not going to submit a separate complaint regarding Equifax until I noticed what was said about information submitted was not specific. I have an excellent credit rating/score ranging from XXXX depending on the credit reporting agency and the date. I have not been delinquent on bills or had any unpaid bills for 20+ years. I definitely would have paid {$28.00}. This erroneous collection information on my credit report is negative and reduces my credit rating. I have paid the bill, given Equifax receipt of payment, and explained the situation with specific details. Upon denying my claim they also changed the report dates and the balance date to XX/XX/2020. The original report date by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should remain until they officially report otherwise. Equifax changed the date because of my dispute, not due to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting. 
Additionally, I have verified with XXXX XXXX that the account was paid and there is no dispute. I'm not sure what type of investigating Equifax did other than maybe contacting XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, who could not confirm the amount is owed when it is not due, if so they misrepresented information to Equifax.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNCOAST CREDIT UNION (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by XX/XX/XXXXwithout me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Consumer complaint received 2023-06-02
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. (RI)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (AL)

The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act
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: EQUIFAX, INC. (CA)

Equifax removed accounts for XX/XX/XXXXand XXXX XXXX and then placed them back on my credit report without informing me. These accounts were involved in identity theft and they were reported over 20 times to Equifax. I never used the name XXXX XXXX and never resided at the address for these accounts
Consumer complaint received 2023-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX  - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I spoke with transunion, XXXX  XXXX XXXX  to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX  XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to transunuon and XXXX and then A sudden charge off in XXXX of XXXX to both reporting agencies. It also states on my transunuon report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with XXXX  to be XX/XX/XXXX which is 3 months PRIOR to reporting this to transunion. This shows the inaccuracies reported across the three consumer reporting agencies. XXXX has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!
Consumer complaint received 2020-11-28
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)

I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through www.CFPB.com and XXXX I am requesting the following items be removed on my reports from your companies as XXXX  has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I noticed an account on my credit report listed in collections by Cavalry Portfolio Services for {$1400.00} that I did not recognize. I mailed a certified letter to Cavalry delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was one generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, Cavalry sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX on XX/XX/XXXX I met with an attorney representing Cavalry that told me that Cavalry did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, Cavalry never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is now my fifth complaint. For weeks and weeks we have asked the Bank of America to lower our monthly car loan payments to {$500.00} because of the novel coronavirus pandemic. We are senior citizens with very serious medical conditions that place us in the HIGH RISK CATEGORY of contracting the deadly and highly infection novel coronavirus! Therefore, we can not work. Mrs. XXXX had to quite her job because of the novel coronavirus. 

We have repeatedly explained all this to the Bank of America but the Bank of America refuses to help us! So very, very cruel of them! 

We are making monthly payments of {$500.00} and shall continue to do so until the loan is paid off! 

We have even suggested to the Bank of America that it raise the interest rate on the loan. 

The difference between the original loan payment of {$770.00} and {$500.00} is {$270.00} per month. Surely the Bank of America which is one of the largest and wealthiest banks in the USA if not in the world can bend a bit and help us out!
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (ID)

I have a serious injury and while getting an XXXX  XXXX, my XXXX  was XXXX  causing me to have a XXXX. I had lost my job due to performance issues due to my injuries. I had managed to keep everything partially together until I had that XXXX. I called citi to inform them of this issue before I fell behind and they told me there was nothing they could do for me. I fell behind and they started harassing me with phone calls and no one was ever on the other line to answer. I managed to get some funds together and make a payment and called to correct these issues moving forward. I found out they had charged almost {$400.00} in fees for my {$500.00} initial balance before I feel behind. The fees had put me over my credit limit causing me to accrue more fees. 

When I got ahold of the agent and tried to address these issues. She quickly waived 1 fee without my permission and asserted that she could not do anything to help me. Citi doesn't have programs to help people through hardships, but she could get me to her manager who she assured me also could not do anything. After waiting on hold for at least 10 minutes. The phone finally rings through and I hear a click and am disconnected. Due to my injuries it has been difficult to breathe or talk, so I excert myself greatly during these interactions. 

I have recieved at least 4-7 calls a day everyday, even on Sundays since I made my last payment and tried to correct this while dealing with XXXX XXXX  problems. 

.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX, XXXX XXXX XXXX, alleged I owe on an alleged account with Comenity Bank. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from XXXX XXXX 's Disputes Department. On XX/XX/XXXX, I again reached out to XXXX XXXX, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. XXXX XXXX never responded. Please see the attached documents and receipts.
Consumer complaint received 2021-02-12
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: Experian Information Solutions Inc. (NJ)

The inquiry on my credit report was hard inquiry the companies told me they were soft inquiries and wont show on my credit report, This is not the case at all. I asking for all inquiry be removed from my credit reports immediately.
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

There is a Company claiming that I owe money to there company which is XXXX XXXX and I rented a house with them in XXXX I lived there for a little less than a year almost a year however I was on Housing With The Public Housing Authority in XXXX XXXX Tx and I had a ex who was XXXX  and family XXXX was involved in the past and he kept threatening me so I had to break my lease early. It was a emergency move and was approved through the housing. However the real estate company was upset and falsely claimed that I left the property damaged and dirty which was a lie cause at the time I took pictures and showed my caseworker XXXX XXXX XXXX who was shocked that they would lie about that. You could call her and confirm it with her and she will tell you. However if this happened in XXXX why are they bearly filing and why does is have a different date on the credit report. I havent lived there in over 2 years and I dont understand why they are accusing me of XXXX them {$6100.00} which is ridiculous.
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX