davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MA)

My debt went to collections after confirming with XXXX that they payment arrangement has been made. Been making faithful payments every single month with no lapse. Credit Management LLC can not give me a clear answer why this was reported to the credit bureau after making faithful payment. This was the agreement we had since XXXX and 2 days after taking {$100.00} on XX/XX/20 they submit to the credit bureau for non-payment. This is not reasonable to me as to why this happened. I don't have anything negative in my credit account, now I can not purchase a home with this issues over my head.
Consumer complaint received 2023-09-21
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)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Equifax must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX for the amount of {$140.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I went through a company called XXXX to get my forms for my taxes and submitted it to the IRS. Due to investment loss and gain my refund ended up being XXXX Dollars. The funds were sent to XXXX on XXXX. XXXX sent took out the fee for the software and forwarded it to XXXX  to summit the remaining amount to " my bank '' Somehow, somewhere to wrong account number was put on the tax forms. I learned from XXXX when called to see where my return was. I contacted Capital One, the bank the funds were sent to. I already had a credit card there so I opened up a checking account so they could deposit the funds correctly. I provided them the tracing number of the EFT deposit, the date, the account it was sent to ( which was closed and has no relations to me at all ), my new account number, the amount. They opened a " claim '' after 10 days I received a notice from them saying that the deposit was deposited as per the info sent over. I had already told them this. So, I called probably for the XXXX time at least spoke to a supervisor who said they would file and appeal with the additional information I provided. which i had already provided on the XXXX. I also went back to XXXX who says Capital one has the money and accepted the deposit they can not request it back. However, Capital one had already refused to send it back. Yesterday I got another email from Capital one denying my appeal telling me to go back to XXXX again. I called XXXX and sent a demand letter, which I had also sent to Capital one. They contacted me and said they literally can not request it back. Capital One accepted the deposit that was sent in my name to an inactive account they have the funds. At this point I am being told that basically neither company will do anything. Capital has kept my money and is refusing to deposit it into my account or send it back to XXXX XXXX.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$630.00}
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

I am trying to make my monthly automobile payment of {$400.00} and the lender XXXX XXXX Chase Auto Finance will not accept the payment. Instead it is showing {$1300.00} remaining payoff balance on the entire loan. It will not let me pay just the normal monthly amount and I don't know why? Why is it seemingly forcing me to pay off my loan early? Please explain. I would like to make my normal monthly payment amount only. Why can't I do this? This is a new seperate issue since my last cfpb complaint.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear EQUIFAX, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXXXXXX XXXX Amount : {$1100.00} Account # XXXX Party Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX XXXX  Amount : {$0.00} Account XXXX XXXX Party Owed : XXXXXXXX XXXX XXXX XXXX Amount : {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX Amount : {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX Amount : {$2700.00} Account # XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$370.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$240.00} Account # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report.Enclosed may be additional evidence to support my claim. 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 2024-05-05
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. (CA)

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : 36 {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXXXXXfilling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXXXXXdismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-05-05
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: EQUIFAX, INC. (TX)

I have asked several times for negative items to be removed from my credit report due to reporting agency violating Fair Reporting Act. The agency claim to have verified debt but did not provide me with proof as requested. The agency then sent me a letter in the mail asking me to verify my address which is clearly on file. The agency also claim they couldn't locate my credit profile with the information I provided which is false due to them clearly being able to locate my credit profile and report inaccurate information. Due to agency clearly being able to mail me letters shows the agency has my address, email and phone number on file. Agency also has my social security number on file to locate my credit profile. I am asking for immediate removal of negative items to be removed from my credit profile due to non compliance of verifying debt. Any further violation of the Fair Reporting Act will result in a lawsuit.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I started receiving robocalls a few days ago from an outfit called Commonwealth Financial which I ignored because I have no outstanding debt with any party. Now they have dinged my credit by 100 points and I am livid! I do not recognize this debt or this company and they have many fraudulent marks against them online.
Consumer complaint received 2023-11-11
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. (IN)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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. (NY)

I have provided documentation from XXXX showing that my account balance is paid and has a XXXX balance. I called and spoke with Transunion and was told that XXXX would have to call them personally to say the debt was cleared. Is this good business proactices after providing documentation needed?? Why does XXXX have to call Transunion? Not only was the rep rude she also told me that this would be escalated and someone would call me the same day from the XXXX Dispute department. NO ONE CALLED. I called again and was given a case number : XXXX I want my credit report updated with a XXXX BALANCE NOW! I HAVE ALSO CONTACTED THE ATTORNEY GENERAL FOR BULLYING AND UNFAIR BUSINESS PRACTICES FROM TRANSUNION. A company doesn't have to call the credit bureau to show that a debt is paid if proper documentation is provided. I HAVE AGAIN PROVIDED THE DOCUMENTATION FROM XXXX AND HIGHLIGHTED WHERE THE BALANCE IS XXXX AND THE ACCOUNT IS PAID IN FULL!!!!!!!!!
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to file a formal complaint against Equifax due to fraudulent collection accounts that have been incorrectly listed on my credit report. The accounts, listed under XXXX XXXX for account number XXXX, XXXX XXXXXXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX for account XXXX XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the accounts continue to appear on my credit report. These errors have caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/year> I was in XXXX and went to a seminar for XXXX vacation resorts which they try to sell you a vacation package credits to travel with. After constantly being pressured to take out a loan for this I told them no and that wouldn't do it. After! denyed the loan another member spoke to me and tried to get me to open a credit card with them. When I realized that it was a credit card, I told them no and! wasn't going to open the card with them. They acknowledge it and when I left they still opened the card without my concent. [ 'm furious and this is a scummy practice.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : 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
Consumer complaint received 2023-05-01
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)

My identity was stolen and I found two fraudulent accounts on my credit report. One was a collection account from XXXX XXXX XXXX XXXX XXXX with account number XXXX, and the other was from XXXX XXXX XXXX with account number XXXX. These accounts were a result of identity theft and have significantly damaged my credit score. It was devastating to discover these fraudulent accounts as they had already negatively impacted my credit health. I took action by reporting the fraudulent accounts to the credit bureaus, which resulted in a fraud alert being placed on my credit report. In addition, I contacted the companies responsible for issuing the fraudulent accounts. Although the process was time-consuming and challenging, I persisted. Dealing with identity theft was difficult and stressful. I filed disputes with three credit bureaus, and two of them took action and deleted all the fraudulent accounts from my report. However, Transunion has not yet removed the fraudulent account from XXXX XXXX XXXX XXXX XXXX with account number XXXX. It is still on my credit report as I submit this complaint, and it should not be there.
Consumer complaint received 2024-05-05
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. (CA)

I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : 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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX