davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

They say credit file is to thin or not scoreable. 
I'm retired I've worked all my life. The information they are using is not reliable and perhaps not updated. I read that during the pandemic and after ; the information they were using was not accurate for credit reporting and credit score. 

At my age, you are not constantly buying or making many big purchases. 
I am trying to rent a apartment and I am constantly denied. 
Back in 2018, the apartment complex I was living in said I did not give 60 day notice. 
I told them I would not be renewing lease due to my father health problem and then I moved out without sign lease. 
And after moving I was able to find apartment within days. 
Then they kept sending me letters saying I had a balance and they put this on my credit report.And now I'm constantly not being able to rent an apartment
Consumer complaint received 2023-04-15
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. (LA)

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

XXXX XXXX  XXXX # XXXX
Consumer complaint received 2023-04-04
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DCXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX XXXX  WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (PA)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. 

Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2021-02-18
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. (TX)

On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.
Consumer complaint received 2021-02-18
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: McCarthy, Burgess & Wolff, Inc. (TX)

I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made two requests with XXXX  to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that XXXX has yet to take my dispute seriously.
Consumer complaint received 2023-03-27
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. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2017-06-07
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. (GA)

I purchased furniture at    XXXX   XXXX   in   XXXX  of    2016 via a  lease agreement with  XXXX   XXXX . I have purchased furniture through them before and have never had a problem. Additionally, I purchased the furniture in this manner because I did not want to purchase the items on credit, which would have a negative impact on my credit. To my surprise, the account showed up on my Equifax Credit Report as an installment loan. First of all, this is not an installment loan, as clearly stated in the lease agreement ; second, I never received notification that the account would be reported on my credit report, otherwise, I would have never agreed to the terms or purchased the furniture. I would like this account removed from my Equifax credit file, as it is having a negative impact on my credit score.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DC)

-There are two Citibank student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, Citibank charged-off the account in XX/XX/XXXX. <P/>
-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two Citibank accounts. I called the number associated with the " first account '' and the recording indicated that Citibank no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both Citibank accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two Citibank accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report? <P/>3. Citibank has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.
Consumer complaint received 2017-06-07
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. (FL)

I have  XXXX  derogatory account claims on my Transunion,  XXXX , and   XXXX   credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based  on Federal and State of Florida Statute Of Limitations. I have reached out to all 3 credit bureaus  and filed disputes and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and  XXXX   XXXX  Bank has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  USPS ce rtified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

My account was charged by XXXX When they deliver items and have some on hold they add and subtract fees over and over again and they caused my account to be hit with a XXXX charge that was already paid the day I placed my order and then they hit me with an overdraft fee for a charge that was already authorized. This should not be legal.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This issue came to my attention in XXXX of this year. 
I had a credit card account with XXXX XXXX  through BJs. The credit card offered balance transfers that were useful to me. 
I took 2 balance transfers through XXXX XXXX. Please see the attachment titled 4_22 statement. This shows the 2 plans that I had in place. I was making $ 100 monthly payments that were being applied on a 60/40 split between the 2 plans. 

The first plan had a balance of {$3600.00}. On XX/XX/XXXX the plan expired and the interest increased from 0 % to 19.9 % interest. 

I made a payment of {$3700.00} on XX/XX/XXXX in addition to my regular payment of {$100.00}. Please note that on XX/XX/XXXX the plan with the balance of {$3600.00} had an interest reate of 19.9 %. 
I sent in enough to pay that balance off. ( {$3800.00} ) The payment was incorrectly applied to the balance transfer that I had just taken out XX/XX/XXXX. That plan had an expiry date of XX/XX/XXXX. 

The allocation of this payment does not make any sense. The higher interest portion of the account received less than 1 % of the money that I sent in. The 0 % interest portion of my account received {$3700.00} ( >99 % of the payment ). 
The first response that I received from XXXX did not address the XX/XX/XXXX payment but did state how payments are applied. 

They stated that higher interest balances are paid first. ( see screenshot XXXX ) This was not done with my payment of XX/XX/XXXX. That payment should have eliminated the high interest balance of {$3600.00}. ( Now at 19.99 % ) I did not notice this error until XXXX when I made a lump sum payment and discovered that I was being charged interest due to a bank error. I was charged over {$390.00} due to a bank error. 
I phoned BJs XXXX  and was told that I would need to write a letter. I did that. 
The response was surprising. ( screenshot XXXX ) Whoever sent the reply did not address my concern at all. It was a very condescending customer service communication. 
I wrote again, with more detail and screenshots. I received a brief message saying that the issue would be researched. 
Nothing was done and the account was transferred to Capital One. I had several lengthy phone calls with Capital One and it looked like the issue was going to be resolved. Last night ( XX/XX/XXXX at about XXXX XXXX  ) I received a phone call from XXXX at Capital One who basically told me that it was a XXXX XXXX  issue and not Capital One 's. There was nothing that they ( Capital One ) would or could do for me. 
It is true that it is a XXXX XXXX  error, however XXXX will not help as the account has been transferred to Capital One. 
This has been going back and forth for months. I am asking if you can resolve this for me.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for XXXX  years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-29
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. (PA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX XXXX XXXXXXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2017-06-07
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. (CA)

XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS