davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
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. (NY)

XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : 1 ) XXXX  Card XXXX 2 ) XXXX  Card XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.
Consumer complaint received 2021-07-15
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: CarMax, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello Parties involved is my Capital One Bank Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX  has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX  is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.
Consumer complaint received 2020-09-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted XXXX, Equifax, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to XXXX Equifax, XXXX and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, XXXX XXXX submitted a collection account to XXXX, XXXX, and Experian in the amount of {$780.00}. On XX/XX/XXXX, I agreed to settle this balance with XXXX XXXX for an amount less than owed, and submitted payment. As such, on XX/XX/XXXX, I received a " Release of Debt '' notice from XXXX 's collection agency, and each of the credit repositories began reporting the account as " legally paid for less than the amount owed '' and/or " paid after collection. '' Sometime in XX/XX/XXXX, XXXX updated this reporting to " paid after charge off, '' which is incorrect. In an effort to resolve the matter, I contacted XXXX XXXX, paid the remaining balance, and obtained a letter from the creditor confirming that the account was paid after collection. In addition, I submitted three dispute claims with XXXX, along with supporting documentation from XXXX confirming the account 's status. However, the trade line has not yet been corrected. Although my credit scores for each of the repositories are XXXX, XXXX, and XXXX, respectively, I have been denied credit since XX/XX/XXXX, from creditors that have previously granted me credit. Upon receipt of each of the Adverse Action Notices, the sole reason for denial has been the " paid after charge off '' reported account.
Consumer complaint received 2022-10-01
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: Credit Card Acquisitions Group (CA)

Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal near-850 XXXX XXXX had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to XXXX. About a week later, I received notice that my dispute had been completed and that the creditor ( Foster and Monroe, LLC ) certified that the information is correct. I called XXXX and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (MD)

In XX/XX/XXXX, I made two payments with the following case numbers to XXXX XXXX through Western Union : XXXX and XXXX. I need the transaction history to verify the payments with XXXX XXXX. So, I contacted Western Union on XX/XX/XXXX to request the transaction history. The agent that I spoke to confirmed the transactions and requested that I fill out the Transaction History Form and send it back to Western Union with a copy of my ID card and proof of address ( Lease, affidavit, or a bill I have sent the information by mail twice and by email three times. The attached letter is what I have been receiving from Western Union that my signature on my ID is not similar to the signature on the form. I really need the transaction history to verify the payments I made to XXXX XXXX in XX/XX/XXXX. I hope Western Union will send the transaction History on time. 

Also, I have done a few transactions to send money overseas, and the recipients have been denied to collect the money because of a lack of ID cards or unmatched names. This all I would like to get from Western Union. 
Thanks!
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (OR)

On XX/XX/2021, Two Fraudulent Hard inquiries where reporting on my Equifax credit report, I was notified via email about these fraudulent Hard inquiries. I called and spoke to a representative named XXXX from Equifax stating that the company received my FTC report and that the two fraudulent hard inquiries would be removed within 48 hours. I've disputed this information serval times with Equifax and they claim that the fraudulent hard inquiries are factual record, but how can that be if XXXX XXXX XXXXXXXX can't find me within any database given with my personal SSN #. I Also spoke with several supervisors at XXXX and as well they can not find any of my information in their database. These two fraudulent hard inquiries are stopping my family from financial stability and causing emotional damage to consumer as I have done everything each company has asked from me.
Consumer complaint received 2021-09-07
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)

Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt. 

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (TN)

I was never told this was a simple interest loan. The car company had given me the car and I signed papers with another loan company. I was given the car and drove it home. Three days later I got a call from the car company and was told they were not going to give me the loan. XXXX XXXX lied to me and had already taken my car and gotten rid of it. I needed a car to work so, I had to go with the loan company that XXXX XXXX said was giving me a loan. I was between a rock and a hard place and I did find out after the fact that XXXX XXXX was lying. I am signed on to a loan for 7 years at 22 %. I am being charged interest every day. I recently called and ask them to lower my interest as I have not missed a payment. Even the extra money I pay is being taken and charged interest on it and whatever is left is applied to my principle. I called in XXXX of 2019 and asked that any extra money be applied to my principle. I found out that any extra monies are being taxed, and then applied to my principle. I was even told that it was being taken off my monthly payment and that is why my payment monthly payment had decreased. Then I was told by a manager that I  had a credit there in case I could not pay all of that month 's car payment and if I wanted to do a principle only payment that I need to send it in by itself. Please Help!!
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX/XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on XXXX. I am requesting that a follow up be made to make sure this XXXX/XXXX file is removed from XXXX  AND EQUIFAX ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

Purchase direct from bestbuy.com Order was over XXXX they should have shipped signature only. Our home has a sign that states to NOT leave packages on the front porch. XXXX XXXX claims they delivered package but package was not to be found. Citibank is the credit card backer and per our own rights as a consumer, the shipper would be responsible for any claims against XXXX. Both companies are trying to push it off and make me contact XXXX which I have an XXXX stated I can not file a claim. I am currently out of XXXX and the attitude and disrespect from citibank and best buy is ridiculous
Consumer complaint received 2020-08-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-12-20
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In ExperianXXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (PA)

On XXXX XXXX, 2021, we received a letter from Comerica Bank addressed to my wife 's maiden name " XXXX XXXX '' at our current address of XXXX XXXX XXXX, XXXX Pa, XXXX congratulating her for opening a new checking account. We also received 5 blank checks and 2 deposit slips to use. Shortly thereafter we starting received letters of insufficient funds and copies of checks that were written to XXXX XXXX from someone by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$800.00} dollars. We immediately called the Comerica Bank on or about the XXXX of XXXX to let them know we did not open an account with them and we felt this reeked of identity theft. We received a letter today ( XXXX XXXX ) from Comerica Bank dated XXXX XXXX, 2021, that noted as per conversation with them on XXXX XXXX they confirmed that they closed this account on XXXX XXXX, 2021.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act Experian, XXXX, and XXXX 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 a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violations. 

According to 15 USC 1681i Experian, XXXX, and XXXX 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX  has be verified as accurate and updated but yet hasnt updated status as disputed and Experian has the account listed as open when its closed. Evidence provided below