davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and Equifax reports. This is NOT my debt. I have reported to XXXX  and Equifax and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Consumer complaint received 2018-12-24
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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (GA)

COMMONWEALTH FINANCIAL ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX  XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

i get preapprovals from XXXX XXXX every day in my inbox. i have been preapproved over 6 times for a XXXX  XXXX card. i completed a savor card application and it was denied because i had a fraud alert on my equifax account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact equifax to process my savor card. all my emails to XXXX  XXXX that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. XXXX  XXXX so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my savor card i applied for and i was preapproved for over 6 times.
Consumer complaint received 2020-07-03
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. (VA)

Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

Equifax Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.
Consumer complaint received 2022-01-14
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. (OH)

On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and Equifax on XX/XX/XXXX. Equifax did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a dispute letter to Equifax in regards to them reporting information on my credit report without my consent that harms be as a human being. The letter was delivered to them on XXXX  and by law they are to respond in 4 business days - I also attached a return receipt requesting a response with the letter. as of XXXX today I have received no response. I also had my My original documents notarized for proof that a witness was present
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (MD)

On XX/XX/XXXX, I made a wire transfer through XX/XX/XXXX Employees Credit Union to US Bank in Minnesota. The exact address is XXXX Country HWY XXXX XXXX XXXX MN XXXX. I found out that the wire recipient was fraudulent as they copied my Title Companies letterhead and inputted their information. I called US Bank and reported it about XXXX hours after the transaction once I found out. I talked to XXXX of US Bank on XX/XX/XXXX about two hours after the transaction and advised him of the fraudulent transaction. He advised me to send an email to XXXX. I immediately sent the information I discussed with XXXX as well as a copy of my report to Federal Trade Commission. The next day I talked to XXXX from US Bank about the information I sent as well as my conversation with XXXX of US BANK. While we were talking I gave XXXX the account number of the transaction and he advised me he could see the transaction. I asked XXXX to Flag the Transaction as I asked XXXX the day previously. During all this I was also immediately in XXXX with XX/XX/XXXX Employee Credit Union. They were my first call to call back the transaction with US Bank.XX/XX/XXXX Employee Credit Union contacted me the next day that they were in contact with US BANK in reference to the request for recovery of funds. That request was on XX/XX/XXXX. US BANK did nothing in reference to the request until XX/XX/XXXX when they responded the funds were not recoverable. They never flagged the funds, and by XX/XX/XXXX the funds were gone. To my Knowledge from XX/XX/XXXX Employee Credit Union the account being used fraudulently is still active. The email that the scammer is XXXX. The fraudulent information is below that was copied onto my Title Companies letter head and spoofed on their site. 

Bank Name : US BANK Bank Address : XXXX XXXX HWY XXXX XXXX XXXX, MN XXXX Account Name : XXXX XXXX XXXX Routing Number # : XXXX Account Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX MN XXXX
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

In XXXX of 2019 i found out equifax had a alert on my report. Ive asked them to remove it numerous times with no action taken. Ive mailed and faxed all paper work needed to prove who i am about 15 times and to this day im still sending documents proving who i am. As of XX/XX/XXXX the alert is still in my consumer report. Ive tried applying for credit and i still cant get it due to equifax. I dont know what to do. Please help me!!! They keep asking me security questions that dont have nothen to do with me.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have sent Equifax several disputes since XX/XX/2020 and yet until I submitted a complaint through this portal have I received a response regarding my information does not match their records and that I need to send in a legible copy of my drivers license and etc. I've used the same copy of my license, social security card, and utility bill and never had a issue. This is unacceptable and a blatant refusal to honor my request so we are going to try this again Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

I setttled my Citi bank account LEGALLY. The credit bureaus & Citi have yet to update this information. Instead they updated it to that I made payment but still owe. The letter I have here showes proof that my obilgation to the debt has ben satisfied. I am in the process of gejtting a house and this information is making that process extremely difficult. This includes the negative payment reported for XXXX when my payment was made in XXXX.
Consumer complaint received 2024-10-05
Product: Credit reporting 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 expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance XXXX {$4600.00} XXXX  XXXX Balance : {$680.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. ()

About two years ago my original checking account Chase Bank Visa debit card was cancelled for fraud by someone in the State of Florida trying to empty my banking account by billing other websites without my permission by the bank, while I'm living in XXXX. 

I have been unable to have a replacement Chase Visa card mailed to me 8 times possibly for theft within the XXXX postal service. 

I went to the local Chase Bank branch for help in XXXX XXXX XXXX, but they will not even allow me in to office to get help only being for large corporate account clients. 

I have talked to the bank 's customer service several times trying to get a card with no success. 

I even asked Chase Bank customer service to have a new card sent to my forwarding address service ; which they refuse to do to use XXXX or XXXX to get a new card to me at my own expense using my former XXXX Visa debit card tied to XXXX which is now also unavailable for my use with XXXX mail forwarding service. 

I have suffered much as a retiree in the first three weeks without a Chase Visa card to have money in XXXX with much stress. I had funds transferred using the service XXXX to the hotel manager in XXXX using those funds to open a local bank account with Visa card that saved me. Since then the XXXX XXXX government has changed their laws against foreign tourists not working inside XXXX or having a corporate business inside the country. I was lucky in having a grandfathered in local debit card with XXXX XXXX  available to use only domestically inside XXXX, but can not pay for any international product purchases or service transactions. 

XXXX also has an international account access via MasterCard debit card that is unavailable to me to solve my situation, but will not allow because of residence within XXXX. 

Two days ago I called Chase Bank customer service, but was hung up on because of poor connection service from XXXX using my US telephone forwarding service XXXX, which is not Chase Bank 's problem. 

If a new card could be sent to the local US Consulate Office in XXXX XXXX XXXX for me to pickup in person for example would be quite helpful to my situation. 

I'm trapped inside the country because of Covid now with no way to fund further travels if I so desire in the future making even returning to the US difficult after arrival. 

The XXXX locals I give money to do online transactions for me but sometimes am cheated.
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (NY)

Today 's date is XX/XX/XXXX. I am trying to clean up my credit report and get rid of all the wrong information. Equifax is still showing XXXX XXXX XXXX from XX/XX/XXXX which they agreed to remove back in Late XXXX of XXXX. The reason for the removal is i never authorized and fraud had taken place. Equifax had told me they would remove this from my credit report if pen didn't respond within a certain amount of days which they didn't. I have tried to call equifax on this matter but i can never get a live person on the phone for the past few weeks.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (OH)

Email to Jefferson Capital attorney : Mr. XXXX, I have been doing my best to pay you guys off and you were professional and courteous. However, I am getting daily calls on maybe a different account or this one. I'm not sure. But my brother was here visiting and answered the phone and I was in the bathroom. Can you please pull the recording and send it to me?

Call received XXXX XXXX  est on XX/XX/2021 Caller : This is ( he didn't catch the name ) calling on a recorded line. Is this XXXX? 

My Brother : Yes Caller : This is Jefferson Capital calling about a debt you owe in the amount of $ $ $ $ $ $ ( He can't remember ) I want to know how you are going to pay this? 

My Brother : Aren't you supposed to verify who you're talking to? Because this is not XXXX. 

Caller : Well you lied on a recorded line XXXX! XXXX the phone down. 

Can you please send me a copy of this phone or tell me how I can request a copy of it? 
Everyone is struggling through the pandemic and I have done my best, but I will not be disrespected like that. 

What is the remedy for a debt collector that behaves in this manner?