davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2020-12-04
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. (NV)

On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account ASAP.
Consumer complaint received 2020-12-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX  credit bureaus have failed fo remove improper account from credit bureaus. XXXX XXXX  and XXXX XXXX XXXX submitted improper document through courts costing me bad credit. Company agreed to remove from bureaus. XXXX  has already removed all proper documents hsvr been attached
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

On a XXXX  you are told the benefits are : 1. Funds contributed are pretax and you wont be taxed on funds spent on your healthcare. 2. Funds that are not spent do not lost at the end of the year. 3. You will earn interest on that contributed funds. 4. Contributed funds are yours for use regardless of employment status, the company you work for, and through your retirement. 

What isnt disclosed is that, in scenario 3, to maintain the account, the bank will charge a monthly account maintenance fee that is higher than the interest earned. If you choose to withdraw the funds from the account, you are then penalized at a higher tax rate by the IRS. 

I am paying for XXXX  coverage and was told that XXXX is not covering the charges for my HSA. 

This is a total scam! An employee may as well take the XXXX with the upfront tax break for the amount they will use each year.
Consumer complaint received 2020-12-04
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 have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

XXXX  : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 5. XXXX XXXX XXXX  - Inquiries on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized XXXX : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX  - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date : XX/XX/XXXX Equifax : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.
Consumer complaint received 2020-11-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX, XXXX XXXX The purpose of this letter is to you that an improper investigation was conducted by your agency. You have to provide me with a copy of the original documentation for example, 1. A consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
2. Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
3. Please be advised that under section 611 ( 5 ) ( A ) of the FDCPA you are required to ... .promptly DELETED all information which can not be verified. 
4.Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : A consumer reporting agency is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under the section 605 or can not be verified. 
5. Pursuant to the Fair Debt Collections Practices Act, I requested verification/ validation of the debt including the following : 6. Copies of the information regarding the above-referenced debt, including statements, report, ledges, correspondence, notes organizations documents ( including any all application and usage/activity signature ) and documents relating to any assignment of such accounts to and/or from ant third parties. 
7. Please label all quantitative entries, such as dates, payments, credits identity, including its full name, address, state, and local license and state and federal tax numbers.

8. Also, please provide me with a complete description of clients identity, including its full name, address, state and local license and state and federal tax numbers.

9. Last but not least, you need to provide an original consumer contact with my wet-ink signature on it. 

Copies of copies are not a form of validation, and by law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to to prove me with a copy of the verifiable/validation proof that you have on file, within 30 calendar days from receipt of this notice, by the law you have to immediately remove the aforementioned item in dispute from my credit report.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OK)

In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested an investigation in regards to the reporting of some accounts listed on my credit report to all three credit bureaus. On XX/XX/2020, I provided proof that 3 out of the 6 accounts were deemed unverifiable by XXXX, therefore were deleted from my credit report, I proceeded with issuing a follow suit letter to the remaining 2 credit bureaus that somehow were " able to verify '' such accounts. On XX/XX/2020, I received in the mail on behalf of one of the companies in which XXXX  deemed unverifiable requesting additional information in order to conduct an investigation and yet 2 days later, I received a letter on behalf of XXXX  indicating that the accounts in question were deemed verified on their behalf. How is this possible when I am being asked to verify my own information when it should be the responsibility of the credit bureau to verify that the correct information is being reported? 

On XX/XX/2020, I sent out a method of verification, again, requesting for the method of validation on these accounts to be provided to me and yet I am still waiting on these documents to be provided to me as I continue to received nothing but " verified as accurate '' as a response to my request. What exactly is accurate?
Consumer complaint received 2020-11-29
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. (MD)

I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XX/XX/XXXX XXXX inquire XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XX/XX/2020 I have attached proof so that these payments can be corrected.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2020 I received a call from phone number XXXX saying that there is an important letter from XXXX XXXX XXXX and I need to be home to accept the letter. I told them I am at work. So they gave me a reference # XXXX and asked me to call XXXX. 
When I called that number, they somehow had my SSN and said that I owed First USA bank about {$6000.00} and they are suing me for it. I told them I don't know anything about this. The he started threatening me that he will use my words against me and said " Good Luck getting sued ''. I hung up the phone.
Consumer complaint received 2020-11-29
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. (TN)

I pulled my credit report from Transunion and it shows and different balance amount and ask I looked forward the dates were also changed about the last payment. The account listed on my credit reports are showing a payment was made and they are re-age the account and I want this account removed/deleted from all credit bureaus account immediately. XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Experian is not reporting my Mastercard ( revolving account ) on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 

1. XXXX  XXXX Visa ending in XXXX XXXX. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to all 3 credit bureaus including Experian to report these accounts onto my credit profile history. 

I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date, Experian still is not reporting my Mastercard on my credit profile history these revolving accounts -- -attached is a screenshot of my Experian.com account showing only 1 revolving account ( Visa ) being reported -- should be 2 revolving accounts XXXX XXXX Visa + XXXX XXXX Mastercard
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (MI)

To whom it concern : I have been trying to work with my lender to help me save my home. I have a complete packet right now waiting for a resolution but they are trying to get me out of my home while my review is active. XXXX XXXX XXXX posted a letter on my home about leaving my house in 3 days pushing me out when I have no foreclosure sale date on my home!
Consumer complaint received 2020-12-04
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)

XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX. It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my report.
Consumer complaint received 2020-11-29
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. (NC)

On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.
Consumer complaint received 2020-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went into my account on XXXX to process my payment prior to the due date of XX/XX/XXXX. In an attempt to process the same day. The system would not allow for a payment to be scheduled until XX/XX/XXXX!! This making my payment over 30 days delinquent and I do not want or need an over 30 on my credit report. There should not have been any reason that I can't make a payment 24 hours a day 7 days a week on the internet and schedule it the day of. 
Even if they have a cut off I still should have been able to schedule the payment for XX/XX/XXXX This is not right and as a consumer I should not have an over 30 mark. 

This is the second time that I have become a victim to this with capital one. When I received an extension when COVID 19 hit I processed the extension and they still have an over 30 on by bureau from that time frame when I processed the extension well before my due date I need both of these marks removed
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the wrong hands.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-11-29
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)

I found an account just showed up on my credit report that states I am an authorized user. I have no knowledge of this account and have never authorized anyone to make me an authorized user on their card. I called the company and they state they do not have my name, address, social security number or any other information on me in their data base as an authorized user. I then contacted Equifax over 4 months ago about it and they still have it listed on my credit report and have not given a result as to when they will investigate this. Everyone is stating I should leave it since the account is in good standing but it'snot mine so I don't want it. I have my own good credit. I really need help getting this off my credit report. The actual credit company told me that Equifax has to be making a mistake because I'm not in their system. They also told me that Equifax may have captured someone elses that is similar to my name credit information and is reporting it on my report. They are also reporting an address in XXXX XXXX XX/XX/XXXXwhere I have never lived. 

Please help the fraudulent account is XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4500.00} In good standing Overview You're currently using 44 % of your account 's limit. 
Balance {$4500.00} Credit limit $ XXXX  Monthly payment {$150.00} Opened XXXX XXXX, XXXX ( 3 yrs, 2 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status OPEN Type Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX