davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
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: EQUIFAX, INC. (MS)

I have been dosputing directlly with Equifax, XXXX  and XXXX   since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a ) on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time Equifax, XXXX  and XXXX send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX N A -  XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX, NA - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2018-11-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2018, I sent a letter to TransUnion XXXX in reference to incorrect data that was on my credit report stating that The US Bankruptcy court reported case filing data to them. I sent the letter to them showing that they were not correct when they stated that the court verified to them the filing status as it pertains to their public records. TransUnion XXXX sent me a letter back stating that the information was verified by the court which is not a true statement because the courts do not verify credit information.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and XXXX in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX   XXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against Tennessee XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXXXXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX  XXXX XXXX XXXX, rather than to me.
Consumer complaint received 2018-12-01
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: AES/PHEAA (MS)

I have been disputing with XXXX XXXX  for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX  deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX  and XXXX   XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Please see my previous complaint regarding Santander reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from XXXX that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Opened XX/XX/XXXX {$400.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX {$1500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$570.00} I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX XXXX XXXX {$450.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (PA)

Received first letter dated XX/XX/XXXX from a Wakefield and Associates, LLC, attempting to collect a debt of {$1500.00}. The letter does not specify to whom the debt is owed. 

My first call to them was on XX/XX/XXXX to gather information about the alleged debt, the man told me that it was for a hospital bill dated XX/XX/XXXX. He also told me the hospital name but I didn't hear it the first time. He then refused to repeat it or answer any further questions, instead insisting that I pay the bill. I called a second time mentioning that I had been in XXXX during the date they were claiming, and they told me to mail in an appeal if I do not intend to pay. 

I mailed a letter on XX/XX/XXXX claiming that I had been living in XXXX and I have at least 8 pieces of evidence that I can provide to prove it. The letter had a tracking number and was confirmed delivered to W & A on XX/XX/XXXX. 

I called a third time on XX/XX/XXXX in another attempt to get the name of the hospital and the nature of the bill. It was for a XXXX XXXX XXXX in XXXX, Indiana, for an ER visit, same date mentioned, XX/XX/XXXX. 

I called XXXX XXXX shortly after on XX/XX/XXXX and they had no record of me being a patient at the hospital, real or fake. 

On XX/XX/XXXX, I sent a copy of my XXXX Student Visa with sensitive info excluded, except for " Issued at : XXXX '' and " Issue Date : XXXX XX/XX/XXXX '', which was only 13 days before the charge. This letter was also tracked and confirmed received. 


Now, 6 months later, I received a letter from W & A, dated XX/XX/XXXX. They made no mention of my previous communication, just another letter asking me to pay the bill. 

This letter did provide some additional info about the charge. Notably, the patient DOB was incorrectly listed as XX/XX/XXXX. Description was : Emergency evaluation & management Disposition referred/ returne Arrived by Ambulance ; Unspecif {$1400.00} Total collection amount on the new letter is the same as the old {$1500.00}.
Consumer complaint received 2018-11-30
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)

On XX/XX/2018 and XX/XX/2018 I sent two certified notarized letters via USPS to Equifax ( Tracking # XXXX XXXX XXXX XXXX and Tracking # XXXX XXXX XXXX XXXX XXXX ). The first letter demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Equifax has failed to provided 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 Equifax is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

The second notarized letter request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 25 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

All certified correspondence sent to Equifax will be used in court to seek monetary award for damages to my personal credit
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On XX/XX/2018, I opened checking and savings accounts with Citibank under a promotion that offered a {$400.00} bonus with the following terms : 1 ) Open a new checking and savings account in the Citibank Account Package betweenXX/XX/18-XX/XX/18 ; 2 ) Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account ; and 3 )  Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. I will provide a copy of the offer. I was an " Eligible Customer '' as defined by the offer, and I met the terms of the offer, but Citibank has not paid the {$400.00} bonus. 

According to my account statements, which I will provide, I deposited the required funds on XX/XX/2018, and I maintained the required minimum balance until XX/XX/2018. Citibank was supposed to pay the {$400.00} bonus within 90 days of when I completed the required activities. I completed the required activities by XX/XX/2018. Therefore Citibank should have paid the bonus by XX/XX/2018, but they did not. 

I contacted Citibank by " chat '' on XX/XX/2018, and again on XX/XX/2018, to inquire when the bonus would be paid. I will provide transcripts of these chat sessions. Both times, Citibank representatives assured me that I had met the terms of the offer. On XX/XX/XXXX, the representative said that I needed to " wait for the reward to appear. '' On XX/XX/XXXX, the representative said that Citibank would review my account and respond within 2-7 business days. I have not received a response, and Citibank has not paid the {$400.00} bonus.
Consumer complaint received 2018-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2018 and and XX/XX/2018 i sent a debt validation letter regarding this account to Portfolio Recovery Associates LLC. See the attached letters. Asking them to show written agreement of the alleged debt in question as it is shown on all 3 major credit bureaus reports. it is unlawful to report an unverified/unvalidated debt. I got a response from Portfolio Recovery Associates on XX/XX/2018 see the attached letter! and it was vague and did not address the issue.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have 17 closed accounts with XXXX XXXX that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.
Consumer complaint received 2018-11-30
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. (GA)

I have 17 closed accounts with XXXX XXXX that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (NC)

After I mailed several detailed letters over a course years, sent directly to companies and all 3 credit bureaus I never received favorable resolutions with most, but a few that resulted in totaling cancelling any store credit accounts and credit cards, including any negative reporting to credit bureaus. 

Please note, my father : XXXX XXXX XXXX is currently my legal guardian, and he has been and still is a major force, and instrumental in all my personal and financial business, who continues to help and support me in this matter. For any future reference to this case, the XXXX has my approval to contact XXXX and discuss anything, and he also has my permission act on, make decisions on my behalf ( please see attached copy of proof of legal guardianship ).
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/2018 at XXXX XXXX  I spoke with a representative from XXXX regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
Consumer complaint received 2018-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I called my credit card company discover and asked why my card was declined because I had made a payment days previously. After getting information I also asked about information if i wanted to close my account. Next thing you know I receive an email stating my account was closed. I never authorized them to close my account. I called them the next day and asked why it was closed. They said they would look into it. I called a few days later and they stated it was closed and there is nothing they can do. This will now affect and hurt my credit report/score. I never had intentions of closing the account. I was never read a disclosure.
Consumer complaint received 2018-12-01
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: EQUIFAX, INC. (FL)

I JUST GOT POSTAL MAIL IN RESPONSE TO A PREVIOUS COMPLAINT WITH EQUIFAX. This is not a duplicate complaint!! They just sent me dispute results that DID NOT delete accounts that contained many violations! Equifax is refusing to delete the inaccurate accounts being disputed ; they contain a HOST OF VIOLATIONS. See my attachment, which contains my identifying info at the end. I supplied lots of supporting documentation as well jic. Example : Please tell me how an account was not deleted that is STILL being reported as OPEN and CLOSED at the SAME TIME. That's just one example! I demand these accounts be deleted!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX & XXXX XXXX XXXXXXXX