davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (FL)

The original Creditor has reported to the credit bureau by 2 different names : XXXX XXXX XXXX and XXXX XXXX. the date I voluntarily surrendered the vehicle due to not even having it less than 6 months and had an electrical issue first and then an air conditioning issue. The debt originated XXXX and should have long been removed in XXXX. I have disputed this numerous times with XXXX only for them to continue to deny my request to have it removed and they update my credit report which remains in my dispute. I have disputed this same company with Equifax and XXXX as well. 

PER Nevada Statute : In Nevada, debts based on verbal contracts, agreements made orally for the purchase of goods or services, have a statute of limitations of 4 years while written contracts have a 6 year limitation period.
Consumer complaint received 2022-10-05
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. (NY)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency 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 five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. 

Account : XXXX XXXX INT Account number : XXXX
Consumer complaint received 2022-10-03
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. (FL)

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number : 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (IL)

XXXX case number XXXX XXXX XXXX LVNV funding agency garnished my wages for 25 % of my pay without notice cant afford legal representation due to fanatical hard ship and the judge granted LVNV request to continue garnishing my wages. I can not afford this money being taken away from me dont know where to go from here. I never opened up an account with this creditor and have disputed several times. Was also never served any counts papers they just started to garnish my wages since XX/XX/XXXX for a debt I have zero knowledge of. 

Last court appearance XX/XX/XXXX XXXX XXXX court XXXX XXXX is the clerk
Consumer complaint received 2022-10-03
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. (CA)

I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. Thank you.
Consumer complaint received 2022-10-03
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. (NY)

I am writing to ask that you assist with the deletion of all unauthorized inquiries, derogatory remarks, and closed accounts, also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resolution. I sent the attached letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response to my request. Prior to my letter your office confirmed my identity with the attached documents and informed me that the information was returned to you verified. Upon receipt of your attached noticed, I kindly asked that you provided the method in which you used to verify the inaccurate information located in my credit file. I received a response from your office informing me that you believed I was not the individual making the request and would not investigate further after you had already been in correspondence with me on this matter. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. The accounts that are being requested to be removed are as follows : XXXX. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-10-03
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. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account below 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 Due to the pandemic I was trying to feed my family and keep up with my bills.
Consumer complaint received 2022-10-03
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. (CA)

I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. Thank you.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from XXXX XXXX. I have never entered an agreement with Portfolio Recovery and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between XXXX XXXX and portfolio giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay Portfolio. They can also include the contract with my wet signature showing an obligation to XXXX XXXX. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. XXXX XXXX allegedly charged this debt off and I have not received a 1099-C for their write off!
Consumer complaint received 2022-10-03
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)

My complaint is about the credit reporting agency Equifax. I wanted to change my mailing address as we are moving and are making advance preparations. It is IMPOSSIBLE to do this by either calling or going online to Equifax. If you call, they tell you to go online, and in a most rude and pretentious way. They tell you that is the ONLY way to change our address! When you go online, you have to file a dispute, A DISPUTE, in order to CHANGE YOUR MAILING address! Then, when you go to dispute, you have to choose from one of three reasons. 1 ) I never lived at this address, 2 ) This address belongs to another person with a similar name, or 3 ) I believe I am a victim of fraud or identity theft and this address is not mine. THESE ARE YOUR ONLY CHOICES! So, I picked # 2 as I had to choose something. I went on. You then have to load 2 forms of identity. One of the forms can be a utility bill from our new address, which I don't have because I am not AT my new address yet! So, I load 2 other forms of identity and hit FILE. It then errors out and in the end, you can't change your address anyway! NO WAY, NO HOW! Can't change my address. Mike drop.

This is absolutely intolerable! As one of the three credit reporting agencies, Equifax is a complete and total FAIL!!!
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (ND)

On XX/XX/22 I did a balnce transfer from Comentiy Bank to XXXX XXXX for the amount of {$3000.00}. 
XXXX XXXX has never recieved the funds. I have made several attempts in cotcting both parties. 
On XX/XX/22 i recieved a phone call from Comenity Bank stating my funds wher sent to XXXX XXXX by mistake and i should contact them. After severla calls to XXXX XXXX  no funds were found.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-03
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: Volvo Car Financial Services U.S., LLC (AZ)

I leased a new XXXX XXXX XXXX last year. I love the car ; however, I do not have any need for it anymore due to some life changes and working at home. We also have too many sedans in my household. When I looked at the lease no one other than Volvo or myself can end the lease with a payoff. I contacted 2 Volvo dealerships and Volvo of XXXX offered to but it out at {$39000.00} due to the car being too new to have a book value. There is a book value on the same car one year older with a range of XXXX, the loan payoff is XXXX according to them. I tried another volvo dealer, Volvo of XXXX and they stated they could not buy it out, I would have to buy it out myself, then sell it to them after that. 

This is patently absurd and while I did sign the contract this is placing the consumer in a unfair position. I can only sell the car to one place, that place knows that, and thus is not paying the value of the car properly. I only want to get bought out of the lease, the book value supports that, as does other 2022 XXXX XXXX 's for sale, but they refuse to help. 

The locking out of 3rd party payoffs is unfair and deceptive and is against the consumers intrest.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For months I have been disputing two closed accounts that were a charge off but paid in full. These accounts are XXXX XXXX and XXXX XXXX. I have sent proof showing these accounts have been paid in full and both creditors have called XXXX and TransUnion asking them to update my credit report. Both payment status and account status reads charge off/collection which is incorrect. It needs to be updated to paid in full was a charge off. In the comment areas I can see both creditors saying paid in full was a charge off but XXXX and TransUnion refuses to change this. I'm requesting both these accounts to be removed from my credit report. I have disputed this by phone, on there website and by certified mail in XXXX, XXXX and XXXX. I have attached my current credit report along with certified letters and proof of both accounts paid in full.
Consumer complaint received 2022-10-05
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. (TX)

EquifaxXXXX- I have been trying to dispute a line of credit under XXXX XXXX that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled XXXX. After calling XXXXXXXX XXXX  I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with Equifax and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact XXXX Bank XXXX 

XXXX XXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with XXXX and XXXX XXXXXXXX XXXX trying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
Consumer complaint received 2022-10-05
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. (NC)

There are still inaccurate items found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-05
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} TXXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022
Consumer complaint received 2022-10-05
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. (NC)

There are still inaccurate items found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX