davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (CA)

XXXX sent a letter to Equifax to remove an inquiry that is showing on my report dated XX/XX/24. They acknowledged they received the letter and that they removed the inquiry. as of today the inquiry is still showing on my report and has not been removed as they said. I want it removed and off of my credit report as per the letter they received stating it was an error.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRUIST FINANCIAL CORPORATION (MD)

MY LOAN ORIGINATED IN XXXX XXXX XXXX XXXX XXXX XXXX  THEY HAVE NO RECORDS OF THE LOAN IN THE YEAR XXXX. YOU ARE SAYING MY LOAN ORIGINATED IN XXXX NOT XXXX THAT IS BECAUSE IT WAS CHANGED TO A CONVENTIONAL LOAN, NOT UNDER THE FHA AS A LOAN UNDER THE VETERANS ADMINISTRATION AS OF XXXX. DOCUMENTS I HAVE FOR ONE FROM XXXX XXXX XXXX XXXX DOWN IN THE RIGHT-HAND CORNER BUT IN THE UPPER-HAND DESCRIPTION COLUMN IT HAS XXXX. MY LOAN WAS UNDERWATER FROM XXXX XXXX XXXX  AND I HAVE A DOCUMENT THAT SHOWS A CASH-OUT REFINANCE WAS DONE FOR {$28000.00} AND ONE FOR XXXX FOR {$30000.00}. I HAVE FORENSIC PAPERS THAT STATE THAT THIS DOCUMENT IS INDEED A FORGERY WITH MY INITIALS FROM THE COMPANY NAMED XXXX XXXX THAT DOES SOFTWARE FOR INVESTORS NOT UNDER FEDERAL GUIDELINES.
Consumer complaint received 2023-10-11
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :XX/XX/XXXXBalance : {$2100.00} XXXXXX/XX/XXXX XXXX XXXX : {$150.00} XX/XX/XXXX Balance : {$160.00} XX/XX/XXXX Balance : {$2100.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$150.00}
Consumer complaint received 2022-12-30
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. (MD)

This is a follow-up request regarding my last complaint. I would like to inform you that the account has not been validated yet. So this time I am filing another complaint to this platform so that the 3 Credit bureaus will be notified and the issue will be addressed Here is the account mentioned above : XXXX XXXX XXXX BALANCE : {$230.00}
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act the following creditors have violated my rights : ( XXXX ) XXXX - Acct # XXXX ( XXXX ) Office of the Atty General - Acct # XXXX ( XXXX ) XXXX XXXX  XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Acct XXXX XXXX ( XXXX ) 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (OH)

XXXX & XX/XX/2022- Equifax received notice of the multiple entries on the credit report by a company called XXXX that did not belong to me. Equifaxs investigation was not thorough as there is now even more documentary evidence that this intrusion is a result of identity theft.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Onemain XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX XXXX Original Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (NY)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX XXXX Original Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (TX)

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2017 ( 7years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (TX)

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

as i complained in XXXX INQUIRIES WERENT MADE BY ME NOR DID A FDIC or NCUA member institution requested these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

In regards to the following account : WAKEFIELD & ASSOCIATES, Last reported XX/XX/XXXX {$810.00} Open balance XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs, 6 mos ) I had active XXXX XXXX at the time of this treatment and they should have been billed. I am not responsible for the original creditor not doing their due diligence and making sure they bill XXXX for this treatment by simply using my social security number to look it up. This needs to be removed from my credit through all 3 reporting agencies immediately or I will take legal action as it is affecting my ability to move forward in my life as well as gain credit when needed.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-09
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)

Credit Bureaus failed remove incorrect peronal infomation off my credit report causing denial of approvals. I mail via USPS certified mail my Drivers license, social security care, and utility bill of my correct address as well. 

I am a victim of identity theft. My personal informtion was utilized to obtain credit, goods, and lease. This has cause wrong personal infomation such as address and numbers to be placed on my credit report Section 623 ( a ) Prohibits individuals from providing inaccurate information to a consumer reporting agency ( CRA ), such as a credit bureau, medical information company, or tenant screening service. The standards for this prohibition vary depending on whether the individual provides an address for receiving notices about inaccurate information. 


Section 623 ( e ) Prohibits information furnishers from providing inaccurate information to a CRA if they know or have reason to believe it is inaccurate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD!!!! PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES ON CREDIT. THE TERM ACCEPTED CREDIT CARD MEANS ANY CREDIT CARD WHICH THE CARDHOLDER HAS REQUESTED AND RECEIVED OR HAS SIGNED OR HAS USED OR AUTHORIZED ANOTHER TO USE, FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES. THEN YOU WILL NOTICE THAT YOUR SOCIAL SECURITY CARD ID/DRIVERS LICENSES ARE CREDIT CARD AND CONGRESS J/UST STATED ABOVE THAT ANY AUTHORIZATIONS OR APPROVALS THAT. AME FROM YOUR CREDIT CARD SHOULD NOT BE INCLUDED IN A CONSUMER REPORT. REMOVE THESE ITEMS NOW OR YOU WILL BE LUABLE FOR ALL DAMAGES XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-04-05
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.
Consumer complaint received 2024-05-22
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: BARCLAYS BANK DELAWARE (CA)

I can provide general dates and amounts that are accurate. For precise amounts and dates I just confirmed those with Barclays and I relate those here. 

I had a late payment to Barclays Jet Blue MasterCard in XX/XX/2023 of less than {$20.00} which was a few days late. I was assest interest/late fee of {$3.00} which I was not notified of before I had paid the full XXXX balance. In XX/XX/2023 I apparently made no payment and interest/late fee bringing the balance to XXXX of XXXX when Barclays reported my payments as late to credit reporting bureaus. 

As soon as I was aware of my missed payment I paid Barclays the full amount due ( including all penalties and interest ). At that time I happened to check my credit score which had gone down over XXXX points based solely on this one incident ; having watched my credit score for some time and knowing they are generally secret and make no logical sense I am XXXX XXXX sure this was the cause. 

I called Barclays and asked them if they could change their reporting to the bureaus to reflect my on time payments with the exception of these minor balances that were unpaid because I have XXXX XXXX that contribute to my XXXX ( XXXX XXXXXXXX ) and had forgotten to set up automatic payments for this account, as I have for my other accounts, paying the full balance due every month. 

I know the lender can change these flags to reflect on time payments or not reported for a specific period. 

The agent said she couldn't assist me, therefore I immediately closed the account to prevent possible issues in the future with a lender that reported a missed payment on a balance of {$7.00} that grew to {$16.00} by the time when I paid it off then closed the account. The charges reported paid late were all interest/penalty assessed by Barclays after I missed the full payment in XXXX and missed the XXXX payment. 

This is a card I very infrequently used and since I hadn't made any charges on it I was unaware of the balance due. 

I called Barclays again today and asked for their help to resolve this issue. I was informed by the agent that they needed to refer my call to a supervisor. When she then answered the transfer she said Barclays could not help, although it was inclear if she had the authority to assist me as she was employed by a call center in the XXXX.
Consumer complaint received 2023-10-11
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. (CA)

My credit report is showing late payments toXX/XX/XXXX 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 XX/XX/XXXX customer service representative.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (ME)

In XX/XX/2020 I purchased a vehicle after barely reaching a XXXX credit score for the first time in my life. The loan company, credit Acceptance Corp., said the payments I could afford but that was the farthest from the truth. When they put in the papers to sue me I answered with the fact I knew that gave me a loan I couldn't afford and as an admission of guilt in my eyes automatically offered me 80 % off. They have been sued all over thus country for doing exactly what I claim they did at the time. Even if I could pay it off the damage there done to my credit may never be fixable