davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Computer Credit, Inc. (WA)

I received a letter from CCI saying that I owed money to XXXX XXXX under an account that does not match my XXXX accounts. I used their online form to dispute this bill, asking for details about date of visit and providers seen. I think I got a follow-up letter saying theyd research and get back to me. I didnt bother to write down dates or details of these letters because I assumed that more information would come, or theyd figure out the source of their error and drop the matter. 

I received another letter dated XX/XX/2023 saying I still owed {$25.00}, still with an account number I dont recognize. The letter said more details could be retrieved from their website using a reference number. This document was one long rephrasing of the demand letter, with a link buried in the wall of text to get the details. That link said the bill was for a visit on XX/XX/2023. 

I looked at my XXXX records online, and saw that was a date I had a telemedicine visit with my XXXX doctor. Then I looked at my XXXX XXXX  HSA records and saw that I paid {$25.00} towards that bill on XX/XX/2023. 

I have no idea how a 19 day old bill got sent to CCI for collections, but also am annoyed that they cant be bothered to check that it was paid months ago, even after disputing the amount with them. 

Why cant they get the correct account number on their collection letter? Why cant they include the details necessary to match the debt to a specific bill in the letter, and instead have to visit their website and dispute it? Why cant they respond to disputes with documentation, instead of sending another collection letter? Why does their web form not include the 1 line of information that documents their claim, instead of obscuring it with a link? It seems they do everything they can to get you to pay them rather than to justify why you owe them.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$690.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-16
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. (NV)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX  XXXX BANK NA XXXX, and XXXX  ACCOUNT SER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, LexisNexis, XXXX, XXXX XXXX XXXX XXXX and XXXX  are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax allowed inaccurate and fraudulent info to re-appear on my credit report after the info was previously disputed and deleted due to fraud and identity theft. This is impacting me adversely as I am in the process of securing a mortgage and this inaccurate information is being reported negligently. I was not provided with any documentation that would verified any alleged debts as belonging to me and have also provided a police report, FTC report in addition to a certified letter from a previous employer that explains a data breach. Equifax is violating several federal laws and also their actions are adversely impacting me with the gross negligence of their inaccurate reporting.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has taken over 60 days on a dispute over XXXX XXXX that were dismissed in court during XXXX XXXX XXXX XXXX  They have refused to remove the XXXX XXXX XXXX XXXX attempted to purchase multiple times despite there being a ruling that the loans were predatory and fraudulent. My former XXXX XXXX XXXX  isnt sending them information because they are collecting loans that were dismissed by a lawsuit.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (FL)

I previously filed a complaint with the CFPB # XXXX. XXXX and XXXX XXXXXXXX XXXX  TD Bank both agreed in a letter from TD Bank to me dated XX/XX/2023 to resolve the issue with the damaged door panels on my new refrigerator they damaged at delivery after I filed a complaint with the CFPB. XXXX XXXX, XXXX TD Bank issued a small credit of {$380.00} credit which is basically is the late fees they have charged me for not paying for a damaged refrigerator that XXXX would Not honorably take care of. In the same letter dated XX/XX/2023, They stated XXXX has agreed to issue me new panels that they damaged at delivery and all 's I needed to do was contact XXXX to order the panels. Around the same time period we received an email from XXXX stating we are eligible for free door panels. When we add them to our shopping cart and entered our address the panels all of a sudden become unavailable to our address. We made over a half dozen calls to XXXX to try to get the panels replaced, Hours on the phone. One time we were able to speak with a rep who tried to order the panels for us and he said they were available, yet when he put them in the shopping cart and entered our address in the system, again the panels became unavailable. It is apparent they have us BLACKLISTED. This situation has caused great duress to my family. I was willing to accept the low monetary credit from TD as long as XXXX sent us new panels just to move on, BUT AGAIN THEY FAILED TO TO THE RIGHT THING. Now my credit score has gone from XXXX down to XXXX. This is just unacceptable that my perfect credit has been damaged over a refrigerator XXXX and TD Bank will not own up to and do the write thing.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$4700.00}
Consumer complaint received 2024-02-10
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. (NY)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account Name : XXXX  XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-05-12
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. (PA)

Transunion sent me an investigation result that stated they were deleting an unauthorized fraudulent inquiry however upon inspecting my report, it is still there. I demand that they delete this information immediately. see attached
Consumer complaint received 2024-05-12
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. (CA)

This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX Dealership tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (CA)

Hi. My name is XXXX XXXX. 
Westlake financial claims that I owe them a loan on a closed account. I asked via certified mail proof of the original documents and signatures to verify my debt or to remove it. I have seen no action or received any response. 
They claim the date opened was XX/XX/2015 And the amount was {$7300.00}
Consumer complaint received 2024-05-12
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. (PA)

Transunion and XXXX claims that the information being reported is " verified as accurate '' while XXXX deleted this information from my consumer report as the information was incomplete and now I am demanding, pursuant to section 623 ( b ) ( 1 ) ( D ) of the FCRA I demand that it is deleted on all consumer reporting agencies.
Consumer complaint received 2024-05-12
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. (PA)

In response to my previous dispute, comenity bank/victoria secret have stated that they have sold all rights to the account to XXXX XXXX XXXX and that if I were to request documentation of the account I should refer to them ( see exhibit A ). Needless to say, how can XXXX XXXX XXXX, " verify '' this item of information to consumer reporting agencies ( exhibit B & C ) when they do NOT have access to the alleged information? Thus they are inaccurately reporting this unverifiable information to all consumer reporting agencies while violating section XXXX ( a ) ( XXXX ) ( A ). I demand that they remove this item from all consumer reporting agencies or they will face legal action
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXX XXXX I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXX card mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a XXXX time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my consumer report with XXXX, XXXX XXXX, and Equifax. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXXXXXX XXXX  Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with XXXX, XXXX XXXX, and Equifax. 

On date reported XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active Trans Union XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXX Bank violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet.

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802.

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXXXXXX XXXX are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..
Consumer complaint received 2024-05-12
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX 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 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Payment made on XX/XX/2023. Claims payment is on hold and review until XX/XX/2023. No payment takes 19 days to clear. Payments used to be updated same day. Payments each month exceed XXXX per month. 

Apple Card system is also buggy where it will have a long delay and double post payments which happened in XXXX and reported. 

Apple Card Support is non responsive.
Consumer complaint received 2024-09-04
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. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I opened this account in XXXX, XXXX. The first payment was due in XXXX & paid as agreed. There is no congruency between XXXX, XXXX XXXX XXXX. Per 15 USC 1681 ( FCRA ) states there must be pure accuracy in what is being reported. In my case, there is not. It is causing inaccuracies across all 3 of my report scores. I contacted Synchrony bank at the same time via mail on XX/XX/XXXX but have not received any correspondence to date.