davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter.

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation.

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and Experian are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Consumer complaint received 2017-09-10
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They further exacerbated this risk by waiting over 1 month after discovering the breach before notifying the public. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-10
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. (FL)

XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my Equifax credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Consumer complaint received 2017-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (GA)

My complaint involves the business practices and Debt collection practices of Ally Financial. XX/XX/XXXX I was in a bad XXXX XXXX at work and was in the hospital with a XXXX XXXX and XXXX that required XXXX causing me to be out of work for a while. I notified Ally because I knew i was going to get behind on the {$970.00} that I paid on time for two years. So I called Ally Financial and spoke to a manager on a recored line and advised her of my situation and medical condition and I would be on XXXX for a while. The manager then told me yes you are a good customer and what would you like to do? I advised her that I did not know how I was going to pay the car not and would like to give it back, she was then like o.k. thats an option and we would take it back and you would have nothing due to us because we would sell it.I paid in excess of {$15000.00} dollars on a care that was worth only {$39000.00}. Now we we tricked into buying the car due to the XXXX that we purchased at XXXX XXXX in XXXX, Ga had about eight recalls and two of them were safety recalls, so with that being said they would not allow us to take our XXXX home and gave us trade options. So now that I no longer have the vehicle Ally Financial has taken the vehicle back voluntary, but before they had the car they called in excess of 6 to 8 times a week in a harassing nature. I had to send them letters and ask them to stop calling and they did not. After sending several letters and seeing this on my credit report as negative they continue to harass me by adding XXXX dollars to the balance that I do not owe because they sold the vehicle and want to still come after me although the aforementioned Agent told me they would not. I sent them letters and they ignored several times and the last one I sent on XX/XX/XXXX I received no response until XX/XX/XXXX which was past 30 days. Now they are saying they cant find the conversation or any letters I sent and I have all copies I find this as corporate bullying and misrepresentation.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.
Consumer complaint received 2017-11-11
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (MO)

I sent XXXX XXXX XXXX the letter below on XX/XX/XXXX. They received it on XX/XX/XXXX. It is now XX/XX/XXXX. I have yet to hear from them. They have yet to answer and it is already past the 30 day limit.
From : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, Mo XXXX  XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary document.
FXXXX XXXX XXXX, must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p, i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your Tax Registration certificate!
Failure to substantiate the claim, please settle account immediately within the next thirty days.
Sincerely, XXXX XXXX XXXX Executor of the Estate
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$610.00}
Consumer complaint received 2017-11-11
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: Experian Information Solutions Inc. (FL)

Credit Report with Experian / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my XXXX at @ University XXXX XXXX XXXX. I will graduate in XXXX 2017. XXXX has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
Consumer complaint received 2017-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I was asked by Coinbase to send a SEPA transfer to their bank in XXXX. I sent XXXX on XXXX/XXXX/XXXX and within a few days I received an automated email saying that they can not accept the money in GBP as it must be in euros. They email then said the money would be returned to my bank within 1-2 business days. It has now been 33 days and Coinbase have only replied once on the XXXX/XXXX/XXXX stating that they were working with a 'specialist on my case '. They say this despite the email specifically saying the money would be returned to my account within 1-2 days and that there were no problems they encountered for them to require a 'specialist '. Upon further research, it seems an absurd amount of similar situations like mine have been raised on online forums with the same generic response of 'we are working with a specialist on your case ' used each time. It seems apparent that this line is used in an attempt to stop the customer from contacting them.
Consumer complaint received 2017-11-11
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. (WA)

XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Consumer complaint received 2017-11-11
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: HEARTLAND PAYMENT SYSTEMS INC (FL)

Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
Consumer complaint received 2017-09-10
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my XXXX XXXX and my security clearance remains at risk.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

Sears sent me a letter on XXXX XXXX, XXXX stating that my existing Sears credit card would be " upgraded '' to a new Sears Mastercard issued by Citibank unless I contacted Sears to declince the offer. I think it is underhanded and an unethical approach because the onus is on the customer to decline the new credit card. I think there is a great possibility for customers to miss the decline date, misunderstand that they need to decline the offer or perhaps not even receive the letter through no fault of their own and then be saddled with a credit card that the customer did not request. In my opinion this approach is just short of what credit card companies have done in the past when they sent credit cards in mail without customer knowledge or acceptance. This tactic may be legal but the potential for issues to be created for the customer are significant and therefore I think that Sears should not be allowed to issue their credit cards in this manner. I declined per the instructions in the letter plus I sent Sears a letter informing them of my profound disappointment plus I felt it was important enough to bring this to light outside of their company and that is why I submitted this complaint.
Consumer complaint received 2017-11-11
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. (DC)

Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.
Consumer complaint received 2017-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX See above Complaint.  Please note that on XX/XX/XXXX, The Judge signed " Order to Foreclose '' on my legally homestead property. The Judge did not review any of my evidence that was submitted during that hearing. The XXXX Master Participating Trust, XXXX XXXX, XXXX. Trustee and Caliber Home Loans,  Inc. sent letters in XX/XX/XXXX through XX/XX/XXXX notifying that XXXX XXXX would no longer be the owner or servicers. 

The Instrument filed to record the transfer and assignment date XX/XX/XXXX is not recorded correctly on XX/XX/XXXX. 
I will upload the next complaint in which it shows they paid a fine and class action regarding the 2 class actions brought against them. They have modified payments and contracts without my signature and/or approval.