davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (OK)

Im sending this new complaint now because the cfpb stated that my previous complaints were closed after the credit bureaus replied with false information. 

I have contacted XXXX and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

XXXX has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, XXXX must stop all collection attempts, including reporting to agencies. 

All credit reporting agencies have claimed to have done an investigation regarding the supposed debt and found the debt to be accurate. This is either a lie or a huge mistake. 

If they had in fact investigated, they would have found that XXXX has no proof of anything at all. 

- Did XXXX send me any information regarding the alleged debt and that I have a right to request verification and/or validation? No. 

- Once I saw the XXXX account on my credit report and requested verification / validation from XXXX, did they reply to me? No. 

- Did any of the credit reporting agencies provide me with any proof that they 1 ) did an investigation at all, and 2 ) received proof / verification/ validation from XXXX? No. 

Instead, what the reporting agencies did was move XXXX from an the original creditor to and active collections account to a closed account. None of these changes fixed the problem of an inaccurate account on my file. Instead, it just proved that no one has any information but rather they are determined to post something - anything- negative on behalf of XXXX. 

By law, they can not randomly change things around and call it " fixed. '' By law, inaccurate information must be removed. 

XXXX has no proof that they verified/ validated the debt- or even contacted me at all- because they did not. As a result, no credit reporting agency has this information from any supposed investigation. 

By law ( FDCPA for XXXX and FRCA for all 3 reporting agencies ), must immediately stop collection attempts, including the reporting of this information on my credit file. 

It should not take MONTHS of my life to assert my rights under the above-named federal laws.
Consumer complaint received 2024-07-15
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. (IL)

TRANSUNION NEED TO SHOW ME XXXX AND XXXX ORIGINAL SIGNED CONTRACT WITH MY SIGNATURE ON BOTH, TRANSUNION SHOULD HAVE THIS IN THERE SYSTEM
Consumer complaint received 2024-08-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (GA)

RE : VALIDATION ; CEASE AND DESIST Dear HALSTED FINANCIAL SERVICES, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Improper use of my credit report This creditor has violated my rights under 15 usc 1681 section 602 states Ihave the rights to privacy 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not fernish an account without my written instructions and i need all my late payments to be updated as pay 's as agreed
Consumer complaint received 2023-04-22
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. (OH)

Please see attached documents. 

Per federal law of the FCRA 15 U.S. Code 1681 c-2 the account must be removed in 4 business days of receipt of this notice. 

Per federal law of the FCRA 15 U.S. Code 1681i and 15 U.S. Code 1681 s-2 I have a right to 100 % accuracy and privacy. This account can NOT be validated as accurate. It is NOT 100 % reporting accurately and must be removed. 

This account is not 100 % accurate and must be removed immediately ( see attached document outlining the inaccurate and inconsistent information ). 

This is not allowed to be violated or validated as accurate by law.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (NY)

To all Credit Bureaus : XXXX Equifax Information services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Remove Unauthorized inquiries Dear XXXX, XXXX and Equifax information services LLC After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have disputed this account because it is not mine. XXXX XXXX  card account # XXXX It is not my account and has never been my account, the address on the account will verify it does not belong to me.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
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: HYUNDAI CAPITAL AMERICA (FL)

My loan with Kia Finance was reported 30 days past due. The car was in a wreck and totaled. Kia advised not to pay until they worked it out with the insurance company. We received a bill with a due date and paid the loan off in full. They reported the amount past due before the due date ever occurred.

I have never missed a payment, had a late payment and had a credit score over XXXX, now because of their false reporting, my score dropped XXXX points. Kia on the phone stated they would fix it but have not. They said it is two different departments that are not communicating. The loan is paid in full and on time.

The attached document shows a pay off due date and the loan was paid in full before this date.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On Sat, XX/XX/year>, I opened a new Checking account with Citibank. I did an initial funding from my XXXX Checking account and from that moment on I have no way to get ahold of my money. Citibank is holding {$2500.00} of my money hostage. I never received the Debit Card and their website keeps asking me for a debit card number ending in XXXX, which I don't have and never got, to " verify my identity ''. Without it, I can not set up external transfers to pay my bills or send the money back to my XXXX account. I can't even use XXXX. They are holding my money hostage. I keep calling their support, every department I can get ahold of, and they keep hanging up the phone because I can not verify with this debit card or a " security word '' which I never got or set up during the sign-up. They are refusing to verify my identity in any other way and keep hanging up the phone. They are even refusing to re-send this debit card to my address on file. This is a criminal behaviour and I don't understand how can a financial institution that operates like this have a banking license to bank in the U.S. Please help me get a hold of my money- {$2500.00} - that Citibank is unlawfully holding hostage. I can not go to the Citibank branch because there are no branches in Texas.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (LA)

I've a debt validation letter to XXXX XXXX on XX/XX/year> Account number : XXXX. It has been over 30 days without a response. My current address was provided on the document that was sent to the creditor.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I received a letter today stating that Navient is selling my loan to another provider. It feels as though this institution is passing the buck to another provider. Because of Navient 's claim that their invoices for my payment have been returned to them in the mail since XX/XX/XXXX, in XX/XX/XXXX they reported XXXX delinquent accounts to my credit report. This dropped my XXXX XXXX XXXX points. 

Let me be clear that Navient has had this correct mailing address for at least the past 5 years. If they did not have my correct address for the past 8 months, it was a problem on their end. I strongly believe that the trouble they brought on my family and myself because of something that they have done on their end is worth more than the write-off of {$4400.00}. 

No wonder this company has been sued for overcharging students. Where is their integrity? 

The letter regarding the selling of the loans to XXXX is dated XX/XX/XXXX. The postmark on the envelope is XX/XX/XXXX. Today 's date is XX/XX/XXXX. I have attached a copy of the letter that shows the date as well as the envelop with the stamped date for your review. Why would it take 5 days for a letter to reach the post office? 

This complaint is related to XXXX.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted identity theft police report like reporting company told me due to identity theft and they said they would remove accounts but they didn't and it's years later still NO UPDATE to file they just kept telling me I need new police report! I didn't inner stand why I needed a new one and they never explained why. I call to verify why they haven't removed items and they told me I need to get an UPDATED POLICE REPORT, FTC REPORT, CFPB REPORT in order for them to remove items.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

Citibank is advertising its XXXX XXXX co-branded credit card in the website during booking a ticket but unlike other credit cards, you do not get an online card number which can be used to book the same ticket. In essence, the advertisement is misleading because it lead me to believe that I will be able to apply and use the card to purchase the ticket. Unfortunately not only was I unable to purchase the ticket using the credit card but the airline increased the price of the ticket after applying for it. Also, I got a hit on my credit report
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Healthcare Finance Direct LLC. (ID)

Smile Direct club went bankrupt while in the middle of my treatment that they had previously messed up in the first place. I financed this through Health finance direct and I am still being charged for {$2600.00} Treatment plan that I will no longer get in which They had told me there was a moneyback guarantee Especially when they didnt fulfill my treatment in the first place and I was told I would get a replacement of treatment. like I said, I will no longer be able to straighten my teeth, but I am now forced to continue payment plans with threats to being sent to collection agencies and affecting my XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: General Motors Financial Company, Inc. (CA)

The three addresses reporting on my credit report do not belong to me. I also have several accounts that don't belong to me. GM Financial, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.I am asking for a thorough investigation with removal of all accounts and addresses.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXXt Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NE)

I had a large charge in the amount of {$1300.00} from XXXX clear my account on XXXX. However, the transaction took place on XX/XX/31. I rendered services to them by carrying a hitched trailer to the XXXX I rented. The agreed amount for this service was {$620.00}. Funds would not be dispersed back into my account until the trailer was dropped off. Trailer was dropped off on XXXX. I received an email from XXXX advising funds to have been dispersed and I should see them back into my account within a few business days. On XXXX I called chased to file a claim regarding the funds because I had contacted the merchant on multiple occasions and they have advised it is not them, but it is my bank. Chase had not been willing to release the funds that they have received. Instead, they have allowed my account to overdraw, and they have decided bills to pay or not to pay which had they released the funds, this would not be an issue.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (CA)

Dear Sir, The Loan ( Home Improvement ) Monthly Payment to XXXX was missed for the month of XXXX due to XXXX  Internet Outage in my area. I have made the payment and due to internet failure, i was disillusioned that the payment was successful. I share the XXXX Outage report but didn't hear any positive result from XXXX and they still maintain the negative reporting to Credit Bureau. 

I have spend several hours and talked to many agents and the people up to XXXX XXXX but it turned out to be a fully unsuccessful attempt and rather felt tortured and disrespectful. Unfortunate that in this whole organization there is not even single folks up to the vice president who can understand my situation where i wasn't completely at fault. This accidental internet outage which wasn't under my control. 

Due to heavy impact on my score, it keep me unable to approve the education loan for my son. 

Please help and have XXXX understand my situation and have remove the negative reporting. XXXX I have been a Loyal customer of XXXX XXXX  for about 48 months and hav n't missed any payment so far except this accidental One. 

Thank you so much, Please Help! 

Best Regards, XXXX
Consumer complaint received 2024-07-27
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OR)

I spoke with Santander, who informed me that they had no record of payments made by me. The only transaction they recorded was XXXX XXXX repurchasing the contract. Despite this, my bank statements clearly show monthly payments to Santander. They also informed me that XXXX should have refunded all payments, the {$5000.00} trade-in value from my van, and the {$1000.00} down payment once the loan was dropped. Instead, Santander forwarded our payments to XXXX without our knowledge or consent. This only came to light after Santander notified me of being six months behind on payments. Furthermore, the representative I spoke with could not explain why the loan remained open for two years when it should have been closed immediately after they did not receive the title. 

I made over {$7000.00} in payments, I traded in a vehicle for XXXX and I put XXXX down towards the loan.