davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (OH)

Allegation of medical debt put on credit report once I contacted the actual company about finishing the procedure. No notice was ever provided before placing on my credit report. 

Once I reported them here ( capital Accounts ) they sent a list of chargea that was supposed to be from XXXX XXXX  ... but never provided anything about notifying me about payment or missed payments. 

They responded that they would remove the item. However XXXX refuses to remove it, depite evidence I submitted. They claim Capital Accounts assures them it is valid.
Consumer complaint received 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Affirm Holdings, Inc (AZ)

Affirm has been charging me for XXXX loans that I have nothing to do with since XXXX. I've reported thjs ti you already and have also spoken with their team who have told me they will be removed. They haven't been. That was in XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported Account name : XXXX XXXX  Account Number : XXXX This account has been paid off but you still have it that i owe {$150.00}. balance is now {$00.00}. 
find attachment of account showing paid off below and also contact the lender to get the right information and do your job right
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XXXX at approx. XXXX XXXX  XXXX I attempted to contact Equifax to lift a security freeze on my credit account so that I could apply for a credit card with my financial institution ( I was required to un-freeze my credit with all 3 credit reporting agencies before applying for this credit card ). I was unable to do this online at Equifax- got message " can not perform this action at this time ''. Then I called Equifax and went through their lengthy automated questions and when attempting to un-freeze via automation ( message was that I could not do that at this time ) I was forwarded to an agent. This happened 2 times and was immediately hung up on when I reached an agent. Finally on the 3rd attempt I did reach an agent. They told me that their system was down and they could not do anything via phone or email and to 'try again tomorrow '. 
THIS IS NOT ACCEPTABLE! We are held XXXX by these 3 credit reporting agencies ( Equifax, XXXX and XXXX ) and because of that they should HAVE to provide excellent and prompt customer service. Systems being down is not acceptable. I believe that if a user is attempting to unfreeze or freeze their credit and the company 's system is down then they should have to reimburse us for our time and inconvenience. I spent XXXX minutes on this whole fiasco and I still have to try again tomorrow. What's the guarantee that their system will be working tomorrow? 

I mean, Equifax already had a data breach several years ago that cost customers time & money. Why are they still allowed to be in business with this horrible customer service?
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

A FRIEND AND I RENTED AN APARTMENT AT XXXX XXXX UNTIL THE LEASE RAN OUT AROUND XXXX XXXX. WE NOTIFIED THE OFFICE THAT WE WERE NOT GOING TO RENEW THE LEASE AND WOULD BE LEAVING. WE THEN MOVED IN XXXX XXXX. MY FRIEND ( XXXX XXXX XXXX WHO WAS THE PRIMARY LEASE HOLDER DID NOT HEAR OR RECEIVE ANY NOTIFICATION FROM XXXX XXXX UNTILL A YEAR LATER. THEY SAID HE OWED $ $ $ $ FOR RENT. THERE WAS NOT LEASE SIGNED. HE REFUSED TOY HAD BROKE THE PREVIOUS LEASING PAY. NO FURTHER ACTION WAS TAKEN TOWARDS HIM. AFTER ALMOST 7 YEARS WITHOUT ANY NOTIFICATION I NOTICED MY CREDIT SCORE FELL SIGNIFICANTLY DUE TO XXXX SENDING THE ACCOUNT TO A COLLECTION AGENCY. THIS WAS NOT PLACED PRIOR TO XXXX BECAUSE I WOULD NOT HAVE BEEN ABLE TO APPLY AND RECEIVE A MORTGAGE TO BY MY HOUSE. I CONTACTED IDEAL COLLECTIONS FOR THEM TO SEND ME THE NECESSARY PAPERWORK TO SHOW THIS DEBT. I HAVE NOT HEARD FROM THEM. I DISPUTED THIS WITH THE CREDIT BUREAU ALSO. THIS IS AFFECTING ME SIGNIFICANTLY SINCE I AM TRYING TO EITHER REFINANCE MY MORTGAGE OR APPLY FOR A HELOC.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (MO)

XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
Floor XXXX XXXX, AZ XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX  XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2021 I sent a letter to capital one request copies of all records relating to the accounts. I also sent an identity theft affidavit and a copy of my FTC Report. I sent this letter out certified for {$4.00}. With copies of my ID and social security number as well. Capital One responded with a letter stating I didnt send in enough information and they werent taking any action.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VEROS CREDIT, LLC. (CA)

XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and my service dog injured now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, injured, homeless with my service dog. Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.
Consumer complaint received 2024-04-06
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. (NY)

I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, I have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across TransUnion, XXXX, and XXXX. Specifically, XXXX lists the last activity date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and TransUnion as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with XXXX indicating XXXX instances of 90-day late payments compared to only 1 reported by XXXX. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that XXXX, XXXX, and TransUnion take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc (TX)

I notified the loan company affirm and XXXX the company in which the loan was taken out for that this was fraudulent in plenty of time for them to cancel all the travel products purchased ( hotel and flights ) before the thief could get away and use them and nothing was done. XXXX verified that an email and phone number was changed from my own to thief name XXXX XXXX. I have called multiple times to no avail. Now my credit has this negative account that has dropped my score XXXX points!!!! As you can see I have worked very hard to get my credit to where it's at. All my accounts have been paid of or never late! I
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (MO)

on XX/XX/XXXXXXXX  I closed the loan/ and paid it off based on the Closing letter from Upgrade.. 
XX/XX/XXXXXXXX  I contacted Upgrade asking why a {$62.00} fee had been assessed. They stated it would be removed. However my credit report from XXXX has not. 
XX/XX/XXXXXXXX  it shows XXXX reported a balance of {$62.00} owed and the account as open.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

In XXXX I applied for refinancing on my home. I turned in all required documentation. The bank said that everything looked good. There were some discrepancies. They were taken care of. Now is when it went sour. The man handling the loan when on vacation for two weeks, nobody handled it. when he came back I had to make numerous trips to bank to find out the status he says everything looks good. Then I find out that they took him off the loan and turned it over to a lady in XXXX, XXXX..From then on I had no personal contact with anyone. Through the following months, I had to talk to five different persons? Seems like ever time they sent it to the underwriters, the underwriters would sent it back to them for additional information. This went on up til XX/XX/2018, when I get a call that my loan had been denied. They said that a document would be coming explaining why! The bank sent a document, but I could not open it. The bank said that they would mail and e-mail me again. Finally I got the letter with postage dated XX/XX/2018? And was then able to open the e-mail!!
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number XXXX
Consumer complaint received 2023-10-01
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. (TN)

XXXX XXXX  has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (IL)

I was told Id be able to refinance my loan and now that Ive tried I was told by my lender American credit acceptance that they are not a certified lender and that they cant refinance. I am being charged XX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

My cell phone was stolen about a week ago ..And my mail box key at friends and XXXX XXXX on XXXX in XXXX won't close my account because they changed my pin number without notification... please help I just opened this account and I need it ... I had an previous relationship with an XXXX XXXX XXXX and I think it's them. ... ( XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aargon Agency Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Aargon Agency Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Aargon Agency Inc., continues its collection efforts, I will file for litigation for actual damages caused and Aargon Agency Inc., shall be liable for violations of XXXX XXXX, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-01-09
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. (MI)

I received a investigation results from TransUnion on the XX/XX/XXXX. Also another investigation results report on the XX/XX/XXXX. I got the investigation results for XX/XX/XXXX on XX/XX/XXXX in the mail. 
The investigation results received on XX/XX/XXXX is inaccurate and incomplete. Which is direct violation of 15 USC 168s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I know they are doing this intentionally. 
Now according to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer ( Me ) report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be incompetent or just didn't even investigate my dispute. It is always we didn't receive any information from the creditor. I sent the same documents from the creditor indicating the updates. I don't understand, because as you investigate my attached supporting documentations. You will come to find out. That XXXX and XXXX received all correct information. That XXXX XXXX XXXX XXXX XXXX sent directly. 

Lastly, the last investigation results report from XXXX. TransUnion has added a ( Original Charge-off ) to my credit profile. When the XXXX account was paid/closed XXXX balance. 
Also I have attached certifiable proof. That neither XXXX nor XXXX indicate a Charge-off or any Delinquencies.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am filling this complaint to EXPERIAN for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-01-09
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. (HI)

I have a few questions for investigation # XXXX : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Credit Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.