davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-10-25
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. (CA)

Previously filed a complaint with cfpb but important documents didnt upload. Take this dispute as accurate and disregard the former complaint. 


I am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. Payments were satisfied for XXXX, and XXXX. A pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section 1681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-11-13
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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  ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} ; 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

I received a letter in XX/XX/XXXX from XXXX. The letter stated an escrow refund check they sent was never cashed. The letter provided instructions on how to proceed in receiving a new check. I followed the instructions and emailed a copy of the form they requested I fill out. I completed this on XX/XX/XXXX. The letter stated a new check would be issued within 7-10 business days of my form being submitted to XXXX. I have not received a replacement check. I called this morning and was informed that because of the high amount of outstanding escrow checks, over 60,000, it would now take 6-8 weeks for me to receive a replacement check. The lady I spoke with could not even tell me if they had received by completed form. The letter I received indicated the check was issued on XX/XX/XXXX. Please help.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-11-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. TOYOTA MTR XXXX.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I have a AAdvantage Citi Card MasterCard. In XX/XX/XXXX, I was looking at my account and noticed that my mailing address had been changed to an unrecognized address. I called the company and later learned that the following things happened on my account and I was NEVER notified : Someone logged on as me, changed my address, added an authorized user and requested a new card be sent to the address. All of these actions were not authorized by me and Citi did not do ANYTHING to protect my security. I realize that unauthorized actions happen, but the fact that all of the above happened and I never received one confirmation email, phone call or alert to ensure I authorized the changes. I've called and complained and ask for more information and have yet to find resolution. I've asked for call backs and have not received them.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX TransWorld I have no record of business with this company. I have no documentation showing that I have direct business with them. 

Received multiple calls from number but on most recent interaction the representative refused to communicate information required to verify their identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The representative refused to name the business. 
The representative refused to provide the address. 
The representative provided his name but refused to spell it. 
Placed me on mute to communicate with his leadership, but still refused to provide the information when he returned to the line.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (PA)

In XXXX of XXXX someone from XXXX XXXX visited our home in XXXX selling different types of lawn treatments. My husband XXXX and I decided to go with the mosquito and lawn care since we were very happy with the pricing. We agreed to XXXX dollars per month for 5 months of mosquito treatments totaling to XXXX ( XXXX XXXX ) and paid as a pre-payment by credit card which we gave the salesman and was written on our contract. We agreed to 8 lawn care treatments that would be disbursed over various times/months. Which was XXXX per treatments totaling to XXXX also to be paid as a pre-payment. In total we agreed to XXXX of treatments to be deducted from our credit card. Well, that did not happen. 

In XXXX I spoke a CSR who tried to help me with my account because I noticed what we were being billed was not what had agreed to. He then proceeded to explain what I was being billed and that it was XXXX for lawn and XXXX for mosquito. I was incredibly upset. He said I would need to speak to a manager to get it resolved. I ended up speaking to someone named XXXX XXXX on XX/XX/XXXX who was very friendly at the time and advised me through email he had adjusted my pricing to the XXXX mosquito and XXXX lawn. He did not adjust anything to my account. I then emailed him on 2 other occasions and didnt hear anything. 

I continued to pay on my account until I reached the XXXX that I agreed to. However, I did end up over paying by XXXX. According to XXXX XXXX  I still own them XXXX, but I do not. I continued to get harassing calls from their collections dept. I requested to speak with a manager who can help me, they advised me that a manager was not available and will contact me in XXXX hours. No one has ever contacted me. I would call in and wait on hold and be sent to XXXX, unless I requested a new service prompt. Which I did and they still would not connect me to a manager. I have an excellent credit score, never late paying my bills. I only what is fair and that is to have this debt removed from my account. I trust that this service will see the truth. Thank you.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I received an alert from XXXX XXXX on XX/XX/XXXX, informing me that Equifax is now reporting inaccurate information on my credit report regarding a current open dispute with XXXX XXXX  XXXX XXXX XXXX. They have now changed the negative reporting from XX/XX/XXXX to XX/XX/XXXX which is also inaccurate. My account was paid off in full with XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX o a {$0.00} balance. There was never no late payment on my account. Attached is the information received from credit karma and the last billing statement from XX/XX/XXXX that showed balance was paid off in full and no balance was due for XXXX. Please investigate and review.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

The company Car History Audit has charged my account for a service I never signed up for. They have access to my Citibank card. I contacted my credit card issuer already and told them this was unauthorized. I also contacted this company via email. 
This is absolutely fraudulent and very disingenuous. 
From XX/XX/ they charged my credit card every day or every other for {$170.00} So far they charged over {$2000.00} of unauthorized payments on my card.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (WY)

Equifax provides credit monitoring as a result of previous data breaches. It is called the TRUSTED ID PROGRAM. I do not pay for a subscription. I review what they send because of the data breach. They have sent several NOTICES OF RECENT CREDIT ACTIVITY To me. It includes a login ( which I followed ) links to your account and shows for several items. It also includes assistance telephone numbers just for resolution. When you call the number you could extended series of options all of which have to do with purchasing additional products and none of which are directed at resolution. When you get a representative all they can do is give you another telephone number for the credit dispute department ( which any of us couldve gotten into seconds on the Internet anyway ) and offer a dial-in number for you. 
It is absolutely nothing but aggressive marketing disguised as warnings about identity theft. It is wrong. I have the notices that they sent me and can provide them.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

Follow up on this claim which was closed but needs to be followed thru -Complaint number : XXXX This claim was closed regarding XXXX since the check was deposited with Citi Bank but Citi Bank has the check since XX/XX/XXXX and deposited it into one of their accounts and has yet to deposit the check into my account after calling them several times and visiting a branch in XXXX XXXX , Florida . They told me I needed to open up an investigation regarding the check which I did but nothing has happened. The check has my name on it but for some reason XXXX sent it attention to Citi Bank, c/o XXXX XXXX in XXXX Citibank branch.Check # XXXX dated XX/XX/11. I don'yt understand why the money has not been transferred to my citibank checking account as of yet.
Consumer complaint received 2023-10-25
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. (MA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX is saying that I had a late payment of 30 days late. I contacted them and they couldnt find that I was ever 30 days late, but this is still on my credit report. 
I made a payment of {$100.00} ( min was only {$38.00} ) on XXXX ( due date $ it was returned, on XX/XX/12 I made the minimum due payment of {$38.00}.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, to have them removed and haven't received a response. 
XXXX XXXX Cap One NA inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cap One NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry type Individual. Capital one requested on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX