davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (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 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 2023-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (CA)

I received a letter in the mail dated XX/XX/2023 from discover student loans stating that they had incorrectly reported [ my ] account delinquent to the consumer reporting agencies. The letter included a {$50.00} check for compensation. I received 2 identical letters and 2 identical {$50.00} checks. I deposited one check into my bank. My bank flagged the check as fraudulent. I was charged a {$29.00} returned deposit fee and an {$18.00} overdraft fee. When I called Discover Student Loans on XX/XX/2023 to discuss this they acknowledged the mistake and said theyd be sending out another {$50.00} check at some point that would work and asked me to upload proof of the fees assessed by my bank. I asked to speak to a supervisor. The supervisor, XXXX, said she could probably authorize a {$47.00} deposit to cover the fees and that they would send another {$50.00} check. I asked XXXX to speak to her supervisor. I requested to speak to someone who was managing this issues as my co-signer also received bad checks from Discover Student Loans. I asked if this issue was affecting a larger number of people and XXXX said it wasnt just me, it was a system error that affected many people. I asked to speak to the case manager or supervisor who is dealing with this issue and I was told that person was in the back office and I would not be permitted to speak to them. I asked to speak to XXXX supervisor and was told that they had all gone home for the day. Also, Id like to note that this phone call was on XX/XX/23 and XXXX sounded intoxicated. I found the entire experience upsetting. At this point Discover Student Loans owes me {$97.00} and has not been successful at putting me on the phone with a sober supervisor or anyone that can tell me anything other than to upload a screenshot of my banking fees and expect another {$50.00} check at some point. I find it laughable that Discover Student Loans would like me to trust them and deposit another check at some from them if and whenever it arrives.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently had all of my student loans discharged. I informed XXXX, XXXX and Transunion of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.
Consumer complaint received 2023-04-21
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: Ability Recovery Services, LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Any creditor to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. All accounts in dispute listed below : Ability Recovery Service XXXX XXXX XXXXXXXX XXXX PA XXXX
Consumer complaint received 2020-12-31
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. (GA)

I have been disputing inaccurate information on my credit report with Equifax for months. The Equifax disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX is not registered in the State of Georgia XXXX I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If Equifax had done their investigation like they are required to according FCRA Section 611, Equifax would have known my account is current and never late. Also in XX/XX/XXXX, XXXX, XXXX, XXXX I faxed Equifax my dispute for XXXX XXXX and Equifax stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!
Consumer complaint received 2023-04-21
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-03
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. (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 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 2023-04-21
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. (MI)

I have called, and disputed with XXXX, XXXX, and transunion on several occasions about transactions being listed on my credit report and they are still showing transactions between myself and the accounts I may or may not hold that they are reporting and they are still violating my rights according to 15 U.S. Code 1681a which states ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There is a XXXX XXXX bankruptcy on my credit report that still has not been removed. I DID NOT file for a bankruptcy on XX/XX/2021. At this point, Equifax is going against the fair credit act, by keeping false information on my report. And defaming my name. Remove this inaccurate reporting immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (ID)

I received a debt collection letter from ERC a few days ago. ERC would not divulge the particulars of the debt other than to say the debt was with XXXX XXXX XXXX XXXX and originated in Detroit Michigan in 2020. I have no account with XXXX XXXX XXXX XXXX and have never lived in Detroit. I believe the debt was the result of identity theft.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ability Recovery Services, LLC (NY)

on XXXXXXXX XXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXX XXXX and had to move and file a police report lost everything including my XXXX XXXX  and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense
Consumer complaint received 2021-11-08
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: ACIMA CREDIT, LLC (TN)

On XX/XX/XXXX I sent a letter to XXXX to ask that they verify a collection on my credit report that I am not familiar with. The account was with ACIMA Credit FKA XXXX .... XXXX said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing XXXX another letter and also a letter to ACIMA to verify and validate this debt
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ROAD Auto Finance, LLC (FL)

I have been trying to notify Road Auto Finance company of the null contract that XXXX has put me in. They will not here me out they have been trying to illegally reposses my vehicle. And ignore my every attempt I AM GOING TO SUBMIT DOCUMENTS BE LOW TO BACK UP MY CLAIMS. 

Contract is Void due to the following violations and can no way possibly be denied. 
I also have reasonbly belief that XXXX falsified information on finance application of my income to get me approved for Auto loan. 

1. Service contract, the service contract was included in my 54 month ( 4.5 year ) finance amount even though the service contract Cleary states ( 3 years ) 2, Dealer fees, the dealer imposed fees for service that are not required by law to be paid by consumers infact the service implied only takes ( maybe 30 minutes ) maybe a are never done again yet I'm am being charged for them for ( 4.5 years ) ( I.e cleaning the vehicle, washing vehicle, topping off fluids. ) All which ARE ALREADY INCLUDED IN TOTAL PRICE OF VEHICLE AS WELL AS NOT REQUIRED IN THE STATE OF FLORIDA 3. TOTAL AMOUNT FINANCE IS INCORRECT!! TOTAL Contract is VOID ALL VIOLATIONS OF TILA, UNFAIR DEBT COLLECTING, AND POOR CONSUMER TREATMENT!!
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date, they have not responded. 

I am writing to request that your bureau verify the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) account due to incorrectly reported data. I am unsure of the accuracy of the reported balance of {$7800.00} as I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, therefore the past due amount should not be reported. I will be contacting the creditor to clarify this matter. In the meantime, I request that you mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The balance reported by your agency of {$1900.00} appears to be higher than what I remember. Since your agency presented this account as closed, the past due amount should not be reported. I believe it would be beneficial to address this misleading data directly with the creditor. However, I need your agency to report the account as disputed while I work to find a solution. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ). I request that you remove it from my credit report.
Consumer complaint received 2023-04-21
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

XXXXefferson Capital have been sending me letters stating I owe a debt that I do not owe. I have no binding contract with their company. I have never done business with Jefferson Capital. I have sent them letters asking that they validate the debt and instead they continue to send me letters giving me payment options to settle a debt that is not mine. This negative account is reporting on my consumer credit report tarnishing my reputation and its becoming depressing/stressful.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AZ)

On XX/XX/2023, my discover credit card ending XXXX with my previous last name on was stolen and got 6 fraudulent transactions total in XXXX and XXXX XXXX with total amount of {$510.00}. I immediately reported the next day in the morning when I found out and a temporary credit was sent back. 
A month later, with no other information provided, discover had declined my claim. I had to re-submit another investigation with them and filed police report, credit report as they directed me to do so. After 30 days, they declined my claim again for reason of unable to contact the police. I have found FDIC laws and regulations under EFT ( electronic funds transfer ) that they should provide me a summary of disclosures I have signed upon account opening and providing evidence that the fraudulent charge was made by me. Otherwise, I am only responsible for up to {$50.00}. I speak with one of the supervisor at discover customer protection, he claimed that at this point there is nothing they can do, and if I want, I can have a lawyer contact their legal. 
Please help, if a lawyer is recommended, I am willing to fight for my right. Thank you.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (MI)

I tried to make a transfer gor XXXX  and they debited my account but said XXXX  was not debited. My money was never returned. Today my account was debited XXXX from my account. My card is turned off and been turned off yet someone was allowed to take XXXX  off my account and say it was debited for cash as if they had my card and debited cash. I no longer want to use this company. I want my money back.
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act, COMENITYBK/XXXX XXXX # XXXX ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.

15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2023-04-21
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-21
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX