davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit 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 (PA)

On XX/XX/XXXX I ordered XXXX and XXXX XXXXXXXX XXXX  from the XXXX XXXX XXXX and I thought it was a legit business selling the shoes but instead they sent a package to a different address and labeled it as delivered and when I reached out to the company providing photos of my house with address they did not answer me and when I said I would be contacting XXXX XXXX XXXX they starting calling me the XXXX XXXX word. And XXXX XXXX told me to reach out to the shipping carrier or my bank
Consumer complaint received 2023-04-22
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. (OH)

I am filing a complaint with Equifax and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Equifax. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to Equifax stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Equifax ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

Hello today ( XX/XX/23 ) I went to TD Bank located at XXXX XXXX in XXXX around XXXX. I went in to do a cash deposit of {$390.00} but it gave me back {$110.00} so Im missing {$280.00}. The ATM machine took my cash and told me to ask for customer service. It never gave me back my card or confirmed my deposit. I deposited the {$110.00} I got back from the ATM and was sent to wait for customer service. I was then told to wait till tomorrow ( XX/XX/23 ) to see if any changes occur on my bank statement. If there arent any changes I will visit TD bank to file a dispute with them. While searching online I read that this is a common occurrence with Td bank and that I should file a report to CFPB to help me with this.
Consumer complaint received 2024-05-22
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: Resurgent Capital Services L.P. (CO)

I have attempted multiple times to resolve the reporting issues with this CRA, to no avail. I have attached a detailed description of the issues and violations of FCRA, XXXX & CFR. I demand an investigation and resolution.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX 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 I am being ignored and my disputes not being acknowledged. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the mental harm this has caused me.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect (TX)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-27
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. (GA)

XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be validated or removed immediately : account number Amount XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$160.00} In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, Tranunion, XXXX. Need to remove late payments from XXXX XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 15 USC 1681
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (DE)

I was on XXXX XXXX and happy to take advantage of the 6 % interest rate since my rate is an astronomical 28 % that I was forced into with no choice on a XXXX XXXX. XXXX XXXX started XX/XX/XXXX so my eligibility for the rate reduction did as well. I still had a {$390.00} payment. Then XXXX, XXXX, XXXX, and XXXX, my payments were reduced to the correct 6 %. In XXXX when I went on to pay it only allowed me to pay the {$270.00} which was the amount at the 6 % rate. Then suddenly I have a past due amount because the 6 % rate no longer applied. But according to a company representative that I have a copy of a conversation with- My 6 % lasts 90 days after my XXXX XXXX. So, the additional {$120.00} for XXXX should be refunded. The additional {$120.00} for XXXX refunded. The XXXX payment should be {$270.00} and I should only owe {$28.00} out of pocket for XXXX because I should not have any late fees. This should not have happened. This company prays on low-income, non-credit bearing individuals by giving them high interest rates and is now taking advantage of those that serve our country.
Consumer complaint received 2024-04-29
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. (LA)

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 : {$2000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2024-05-22
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: TD BANK US HOLDING COMPANY (FL)

TD Bank account is reporting uncorrectly as charged off, i attampted to fix this issue with them before but they told me that their unable to make any changes to my credit profile, as my account is no longer owned by them. It's own by XXXX XXXX But they still reporting it as a Charged off account. I'm currently in the process of buying a house, then realized this is a huge damaged on my credit report. 


A charge off is cosidered a certificate of indebtedness which means it is income and must be removed, The IRS Clearly defines a charge off as Gross or Ordinary Income DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate, I never received a 1099C from TD AUTO FINANCE I attached a copy of my credit report and a copy of the IRS article from their website definining charge off accounts According to 15 USC 1681 Under 15 U.S. Code 1681n, which deals with civil liability for willful noncompliance, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater1. 
Such amount of punitive damages as the court may allow. 
In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
This section is part of the Fair Credit Reporting Act ( FCRA ), which aims to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Its important to note that these are statutory damages, meaning they are prescribed by law as opposed to being calculated based on the plaintiffs actual loss.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (TX)

The Lien Collector said I owed a tow company called XXXX XXXX XXXX, unpaid debt. The collector said a XXXX XXXX XXXX, with a XXXX  registration, is owed to me. They stated the car in question was towed in XX/XX/XXXX. However, I never owned a XXXX XXXX nor lived in XXXX  since XX/XX/XXXX. I have lived in XXXX XXXX, XXXX  since XX/XX/XXXX. The report from XXXX DMV shows the registered owner is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. The report also shows the legal owner is the same as the registered owner XXXX XXXX XXXX XXXX XXXX. I never owned a XXXX XXXX XXXX car and never lived in XXXX. I did not know about this debt until I got the call from the Lien Collector. I informed the agent that I never owned the car in question. However, they insisted on threatening me with adverse outcomes including imprisonment and ruining my credit history.
Consumer complaint received 2024-01-26
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. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (AZ)

I was notified from credit monitoring service XXXX XXXX  that I had a new credit report inquiry from XXXXXXXX XXXX. I went into my local bank branch to notify them that this was not initiated by me and was fraud. XXXX XXXX knew about the fraudulent application for credit and already flagged it for address and information mismatch. They instructed me to file a new FTC report ( I Already have one from my original identity theft case years ago ) explaining the new findings and to check my credit reports and look for any other issues. Upon reviewing my Credit Bureau reports I was informed of several fraudulent inquiries and a Fraudulent file going by the same Calvary Portfolio. I have no idea who they are as I never had an account with or for Calvary Portfolio. Calvary Portfolio also has been calling my phone several times a day creating quite a nuisance especially since I just got out oXXXX XXXX and a XXXX XXXX stay after enduring a severe bout of XXXX requiring XXXX XXXX XXXX just a few hours apart. This information has caused a lot of undeserved stress and drama in my life.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted the docs to have this fraud alert removed that I never requested. That was 2 months ago. I have also asked for my number to be corrected at least which they transposed my number for creditors to call me but it's the wrong phone number if I apply for credit. I am about to apply for a HELOC and I need this all corrected. My correct number for the last 20 years is XXXX and should at least be correct in the directions of the fraud alert if not removed from my file.
Consumer complaint received 2024-05-28
Product: Credit reporting 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. (AL)

Experian Last Date of Payment XX/XX/XXXX XXXX last date of payment XX/XX/XXXX XXXX Open Date XX/XX/XXXX Experian Balence {$0.00} XXXX Balence {$0.00} Experian Open Date XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems consumer report : Dispute : Source of Information : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 XXXX XXXX : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems XXXX XXXX XXXX XXXX report. I have attached documents to verify my identity
Consumer complaint received 2023-12-21
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. (CA)

Last month i found out that my XXXX XXXX XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is my 3rd complaint. PRA is still just sending me the same information. None of this confirms that I owe PRA or shows that I ever received any of the documents that was supposedly sent to me.They are basically saying they don't have to provide proof. So how do they have proof if the amount they are claiming is owed and still can not provide contract with PRA or the original creditor. They can just say something was provided when it wasn't. I have filed two answers now to the court and still they continue to send me motion for default judgment. Now I see why they were sued for deceptive practices. On the request for default judgment they lie about documents and proof of service. I was never properly served as proof from public court records and they never submitted a motion for alternate service yet they claim they did. Again public court records has nothing to confirm there statements.
Consumer complaint received 2024-01-31
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. (AZ)

I am submitting to follow up on my prior communication with the Consumer Financial Protection Bureau, dated XX/XX/2024, regarding a late payment entry on my credit report. I contest the accuracy of the reported late payment, as I have successfully settled the associated account. Despite my attempts to address this matter directly with the creditor, the issue persists. I am formally disputing the late payment entry on my account, and the specifics are outlined below : -- -- -- -- -- -- -XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- -EQUIFAX XXXX XXXX XXXX XXXX XXXX : {$380.00} -- -- -- -- -- -- XXXX : XXXX XXXX  XXXX Balance Owed : {$410.00}. My dispute is grounded in the fact that I have fulfilled all necessary payments and obligations outlined in the settlement agreement for the specified account. I maintain that the late payment entry is inaccurately affecting my creditworthiness. Despite my efforts to resolve this matter by providing evidence of the settlement, the late payment entry persists on my credit report.