davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
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. (TX)

I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

This card was opened to put out of pocket XXXX costs on for my daughter in the amount of {$1200.00}. I went online and created an account when the first statement arrived in late XX/XX/2019 for ease of first payment that was due on or before XX/XX/2019. I first tried paying online thru my account and the option was not available. The chat was unavailable and the option to send a secure message was not working either. I then tried making a payment over the phone and it was not accepting debit card payments nor was anyone able to take a phone payment. I would call and sit on hold for 20+ minutes multiple times daily/weekly. This went on for a while and ultimately I got frustrated waiting to pay overdue balance. I have never had worse issues with making a payment to a credit card company as I did with Care Credit. I finally was able to get account current and made a few payments and the account was closed for new purchases by the creditor. This which was fine as I did not want to deal with this nonsense and the ability for them to impact my credit negatively. After numerous attempts weekly online, via phone I was finally able to get a payment made. Care Credit made it virtually impossible to make a payment and now I am being penalized which I think is a poor business practice. I am expecting that they retract the late payments that are showing on my credit report as this is of no fault of my own.
Consumer complaint received 2022-07-13
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)

In accordance with the Fair Credit Reporting act, XXXX 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
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The TransUnion breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transactions arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This violationS 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666 ( b ), Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the XXXX XXXX XXXX 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last 3 months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information? 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reporting duplicate as well ), have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not funrish an account without my written instructions
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: DISCOVER BANK (NY)

I am an authorized user on my cousin XXXX Discover card which has a {$10000.00} limit. I have my own Discover card also but thats where my problem is. The issue here is on XXXX it says there is one late fee. Discover and my cousin have worked all this out and I just want the late fee off my file like it is for him. I have tried calling Discover but since I am not XXXX they will not talk to me about that account. My cousin XXXX who is the card holder of the account called up and they said they would fix it within 10 days business days which they have not done. I just want this late fee removed has his record is 100 % on time payments
Consumer complaint received 2020-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

I have no knowledge of this company or alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-08-04
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. (TX)

What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (FL)

After contacting Equifax over seven times after supplying them with multiple FCT and Police reporting regarding being a victim of the Equifax Security Breach and Identity Theft They refuse to comply with FCRA 605 B telling me that inquiries are factual information. Not when they are fraudulent they are not!
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (KY)

I was approved XX/XX/XXXX a new checking account. When I signed up for the account I sign up for one account instead I received three accounts : A " spend '' account, a " reserve '' account and a " growth '' account. What do those even mean? I've had checking accounts before and this is unique to PNC -- I didn't ask for a sign up for three accounts only one account from which to do my banking. because I had three accounts, I make an error and bill paid from the wrong account -- the reserve account. Because all of my funds were in the spend account and not the reserve account, I was charged a {$36.00} fee on XX/XX/XXXX, because there were no funds in the reserve account. Then, against my knowledge and against my wishes, PNC Bank via their bill pay service " XXXX '' trying to pay the bill again on XX/XX/XXXX, even though the payment was reversed XX/XX/XXXX, by the payee XXXX XXXX XXXX. because they were still no funds in the account I never wanted and don't know how to use, I'm going to be charged a second {$36.00} fee caused by the bank! I called the bank XX/XX/XXXX, reverse the first {$36.00} fee because of the screw III accounts that don't make sense and they declined. I called XXXX XXXX AVP branch manager on  XX/XX/XXXX, attempt to reverse the fee because of these weird three accounts and she was unable to reverse the fee. However this is when we discovered that PNC Bank was pulling funds from the reserve account again likely resulting in a new {$36.00} fee. I called PNC Representatives again at XXXX XXXX suggestion, to attempt to reverse the bill pay. The rep stated she could not reverse it and that I would need to call in again when the new fee hit my account to see IF it could be reversed. I'm unemployed and can not afford these fees. Please help.
Consumer complaint received 2020-08-05
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. (AZ)

I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (TX)

Hello, I have been disputing an account with this company for a collection account on my report that is not accurate. This account has not does meet FCRA standards, and can not be verified because it has been removed from my XXXX report. I have disputed this account with Experian in XXXX, and XX/XX/2020. It has come back as no change, and they are refusing to investigate and provide proof of validation/verification or the source of the verification. 

I have also disputed this account with XXXX in XX/XX/XXXX, and it has come back as no change. This account is inaccurate because I do not owe this balance on this account at all! This account should be removed, just like it was properly removed from XX/XX/XXXX. 

I have sent letters showing that the original creditor has broken their agreement and I am not liable for this. I have also, shown proof that XX/XX/XXXXhas deleted this on my XXXX XXXX account. 

This account is XXXX XXXX XXXX, account number : XXXX
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (CA)

I have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX  XXXX, Experian has received several ( al least 6 attempts ) to validate or remove the account. Experian has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to Experian asking for this account removal. Experian has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting.
Consumer complaint received 2020-08-04
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-07-12
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. (NC)

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IN)

BMO Harris sent a letter dated XX/XX/XXXX stating some other company was taking over my mortgage. gave numbers to call. they said call back XX/XX/XXXX, did that now it's call back XXXX XXXX they gave or sold loan to XXXX ( XXXX XXXX ) on address no way to contact other than Numbers that tell you call back later. 

The letter stated that if you had automatic withdrawl from account do nothing. THe XXXX XXXX has come and gone no payment taken out. no way to check balance or anything else. Very Likely they will XXXX up my credit rating, and possibly cause repo of property. 
This is the 2nd big change in a few months, the other pertained to checking account which I finally go straighten out.
Consumer complaint received 2020-08-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXXXXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}
Consumer complaint received 2020-08-04
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 has been many dispute letters sent to Equifax and two complaints filed with the CFPB. 

First dispute sent XX/XX/2020 and a letter sent each month through XX/XX/2020. Equifax has removed all accounts except for : XXXX   XXXX  ( UNVERIFIED ) XXXX/XXXX  XXXX  ( UNVERIFIED ) BANKRUPTCY ( UNVERIFIED ) I am not sure why Equifax has decided to ignore these 3 accounts. These are just as invalid as the 8 accounts they removed on XX/XX/2020.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I was not aware that an outstanding debt existed until I received a notice from XXXX   indicating a negative item was placed on my credit report from an agency by the name of Collection Bureau of Hudson Valley from XXXX New York. 
It appears the alleged debt originated from a XXXX I had performed at XXXX Hospital in New York back on XX/XX/2017. According to the collection agency they represent XXXX XXXX XXXX, XXXX. 
This negative item on my credit report truly surprised me as I never received any invoices from XXXX XXXX XXXX XXXX and I have never received a validation notice or any type of correspondence from Collection Bureau of Hudson. 
it should be noted that I moved from previous address in XXXX, NY in XX/XX/2017 ( after  the XXXX took place ) to my current address in XXXX, NY. I filed forwarding addresses orders with the US Postal Service and my mail has been sent to my new address accordingly. It should also be noted that at the time of my XXXX I was fully covered by XXXX XXXX XXXX XXXX.