davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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. (VA)

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 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MA)

Hello on XX/XX/year> I went to court with Midland credit management for an amount of {$1600.00} on this date. The judgment, according to the court and the representative of Midland credit decided that I had no ability to pay per the state of Massachusetts and the XXXX XXXX. At this time I was assured that I would not be contacted by Midland credit in regards to the debt, And if the time came where I had money to pay the debt I would be able to buy contact in midland. Today, XX/XX/year> I received a A bill from midland credit management to collect on the debt of XXXX. The letter Also mentions Wage garnishment. It. 
Also misrepresented the judgment that took placeon XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-15
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. (CA)

On XX/XX/XXXX I submitted a dispute for inaccurate payment history from XXXX XXXX XXXX. XXXX reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from XXXX to Experian, and disputed this with the company directly. Both XXXX and Experian have refused to remove this inaccurate information from my credit report.
Consumer complaint received 2020-12-23
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: Exeter Finance, LLC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, EXETER FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CA)

Good Morning : On XX/XX/XXXX I received a letter from Target Red Card Services saying that I hadn't made a purchase in awhile roughly 8 months with a XXXX balance on my card. Last purchase was on XXXX 
The letter stated that if I didn't make a purchase in a few months they would send me another letter reminding me of their closure policy and to allow me to make a purchase to keep the card open and my credit limit of {$4300.00}. 
On XX/XX/XXXX I had made a purchase then hand second thoughts cancelled the purchase and the remade the purchase. I ran into a problem which was finally revealed that my credit limit had been reduced by {$3300.00} and that I needed to get a XXXX to release the cancelled amount to make my purchase. 
On XXXX I sent an email to the XXXX heads of Target letting them know that I was an infuriated customer and that I expected to have my credit limit put back to {$4300.00}. 
I have heard nothing until today when on XX/XX/XXXX I received a letter dated XX/XX/XXXX that basically they were not going to nothing. Sorry, to bad nah nah nah. 
Here is the problem in their letter on XX/XX/XXXX they stated and I quote " If there is no new activity in the next few months, an additional correspondence will be sent to you to remind you of our account closure policy, prior to any action being taken. As a reminder your credit limit is {$4300.00}. '' End quote. 
the problem is that they did not send me a reminder letter and on XXXX they reduced my credit limit. That in turn hurt my credit score, and my credit rating. 
I called Target Rec Card Services the evening of XX/XX/XXXX and talked to a supervisor, who at first I was nice to and then progressively became verbal with because they made the mistake and caused me to have my credit reduced and as I stated to the supervisor, respect gets respect and I felt I wasn't going to or did I get any respect. So none given in return. Ask for the recording that was placed at XXXX XXXX XXXX XXXX  ) and lasted for XXXX Minutes.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- XXXX -- XXXX XXXX XXXX XXXX Balance : {$0.00} -- XXXX -- XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXX/XX/XXXX -- TRANSUNION -- XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (KS)

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 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 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NJ)

My credit limit was decreased on my Chase United card from about {$13000.00} to {$7000.00} because of ( according to them ) negative remarks on my credit report within the last 4 years. They gave me the XXXX dollar balance when my credit scores were WORSE and reduced it now when my score is much better, AFTER I reduced the bill to XXXX balance and after I removed three late payments that were posted on my report. Payments that were reported from XX/XX/2020, XX/XX/2020 and XX/XX/2020 due to Covid. The last one was reported in XX/XX/2020, supposedly it was recently reviewed but it wasnt reviewed when I was spending and paying all the interest. This is FRAUD.
Consumer complaint received 2020-11-13
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. (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

XXXX added an account to my credit report that did not belong to me. When I filed the dispute, they gave the collection agency my phone number and address and now I am receiving calls from the collection agency. I verified with the collection agency that the accounts did not belong to me and that they were provided my information by XXXX. I filed a dispute for XXXX accounts for the same creditor. XXXX removed XXXX account from my credit report but failed to remove XXXX additional accounts belonging to the same person and from the same creditor. I did an online chat and spoke to an agent on the phone and both told me that the only thing I can do is file another dispute and wait XXXX more days.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXX/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 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was stopped at '' XXXX XXXX  '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX on XX/XX/2022. The time was roughly XXXX XXXX. when I arrived, I was stopped by a lady with a XXXX XXXX XXXX column at the mall. I told her I was on my way to XXXX XXXX  which is reputable fragrance store there. She recommended that I look at her selection. After smelling the fragrances there I told her I was uninterested. She asked which colognes I liked, and I described to her the ones I owned. ( Which are all worth over XXXX ) I asked if she had XXXX XXXX lband she stated, '' All we have are cheap colognes. I'm really desperate for sale. Can you please just buy one and I'll give the second half off. '' I was completely uninterested as the clones were cheap and unappealing but as a sympathetic person I made the purchase as the total was cheap ( XXXX ) She swiped my card and handed me the bag and I went to XXXX XXXX like I originally intended. As I was there I noticed the cell phone Capital One notification for {$140.00}. I looked in my bag and noticed they had not given me a receipt. I immediately went back to them to confront them about the charge. When I arrived I was told they would not give me the correct degree-upon price. I told them if they won't I want my money back and to return the items. They denied me completely as it became apparent I was conned. The packages remain unopened to this day in the same condition I received them from less than 2 weeks ago. The going prices for these exact replicas you can find at most retailers for {$17.00} and the other for XXXX or less and I she was " desperate '' ( con artist ) I didn't mind paying XXXX bucks over. But {$110.00} over is ridiculous!! 

I filed a dispute online with Capital One and since exactly what they wanted three times over fax. Spoke to five Representatives thoroughly explaining what happened. Also sent another document with my name case number date and signed through a PDF from my email separately. I realize that my bank is clearly on the merchants side as they've also disregarded completely any information I've sent.
Consumer complaint received 2022-08-31
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report agency can not Furnish a account without my written instructions.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

I am writing to formally request the immediate removal, deletion, or blocking of all of my personal information from your consumer reporting agency. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681b. I am asserting my rights under the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which protects consumers from the unauthorized sharing or sale of their private information. I have not provided any written instructions or signed any agreements authorizing the sharing or sale of my personal information to third-party consumer reporting agencies.
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

29 U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. Credence Resource Management are not listed on the Louisiana Secretary of State official website business entity filings to collect a debt in the state of Louisiana. This company have been listed as permanently closed.
Consumer complaint received 2020-08-28
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. (MO)

XXXX, Equifax, and XXXX  are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. Equifax, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the Equifax report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the Equifax report.

These 2 accounts are infact duplicate accounts and I have never paid late.