davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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. (NE)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2022-11-08
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. (AZ)

Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and XXXX Disputed Item XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and TRANSUNION Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from one source, especially creditors is not accurate. 

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the Department of Personnel XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (PA)

I had an account with my daughter ( XXXX XXXX ) at XXXX XXXX that was CLOSED in XXXX. KeyBank opened a XXXX  XXXX XXXX with my information. We received a bill for {$30.00}. I spoke with with KeyBank 's financial fraud department on XX/XX/XXXX and disputed the transactions and was told the account was closed ( spoke with XXXX XXXX # XXXX ). I received a letter from KeyBank and called again on XX/XX/XXXX and spoke with a representative ( reference number XXXX ) who told me the credit account was closed and I was not responsible for charges. I discovered when I went to purchase a vehicle that this was a " blemish '' on my credit report. On XX/XX/XXXX, I contacted KeyBank and was on the phone for over 2 hours being transferred from one department/individual to another, eventually speaking with XXXX ( reference # XXXX ) who indicated that I should submit a Credit Bureau and Consumer Report Dispute Form to KeyBank Links Customer Service Area and I would receive a response in 30 days. I submitted this report online and never received a confirmation. 
My FICO score is being impacted due to a " delinquency balance in XXXX '' and a balance is still listed ( on my XXXX  Credit Report ) when I am trying to obtain a mortgage.
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : LXXXX XXXX XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NV)

In XXXX of 2022, a collection was sent to Caine and Weiner for an amount that was owed to XXXX XXXX XXXX. The debt was paid directly to XXXX via credit card. The debt is no longer owed and this debt collector should not be reporting to my credit.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Opened XXXX with USAA in XXXX Provided late payment in XXXX after years of on-time payments ( XXXX XXXX over XXXX ), was quickly resolved and paid current. In the meantime, USAA removed my wife as a secondary account holder and proceeded to delete her credit history. XXXX claimed that the policy had changed at some point, and she hadn't signed an authorization form in XXXX. Yet, she was able to use the card and charge XXXX of thousands of dollars in the intervening years. USAA was unable to explain how she could use the card without having signed an authorization form, and refused to provide any appeal process or assistance.
Consumer complaint received 2021-11-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (TX)

Since I have been with Veterans United, I have paid for four appraisals, my main concern are the appraisals done in XXXX. 

( XXXX ) XX/XX/XXXX ( {$540000.00} ), and ( XXXX ) XXXX, XXXX ( {$580000.00} ) On XX/XX/XXXX I paid for another appraisal, it appraised at {$570000.00}, a {$9000.00} difference, XXXX XXXX years later ; I haven't accumulated no equity, how do you lose {$9000.00} in equity in a thriving XXXX XXXX XXXX? 

For two years, I've had concerns with the XXXX appraisals, I shared my concerns with my Loan Officer, and recently with Client Advocate. 

I wanted Underwriting to look at the appraisals I was having issues with, I believe mistakes were made in this process. 

There's a {$150000.00} difference between the 1st appraisal and the appraisal done on XX/XX/XXXX.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (PR)

The company closed my account by reprisal of opening a case into the consumer financial protection bureau. The bank dont sent me the bank statement of the account that is required by law. They only write some of my transactions on their response to the case. I need a professional bank statement required by law. If I dont receive the bank statement, CFPB must apply a fine to the bank for not comply the law.
Consumer complaint received 2023-12-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (KS)

I have a separate issue with the company ( wow! internet ) that sent the debt for collection, and it looks like this is what they do. They create environment impossible for customer to resolve ( paying the account by deleting the account, then force you to call into company where you are transferred multiple times, or the " system can't accept payments, then when you get to someone that can take payment the account is not in the system anymore ) then they send this bill to collections. 

This is where my story begins with Eastern Account System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. 

I was contacted by one of their representatives who initially said he worked for XXXXXXXX internet/Cable. I was excited because this was the 1st time XXXXXXXX have got me in contact with someone that could take payment after 3 months of trying to contact them and get with a representative that could accept a credit card payment. ( this account was setup with auto payment, but that stopped when I wanted to cancel services ). After a while into the conversation he then mentioned he was with a debt collector FOR XXXX and not actually a XXXX employee. 

So then I was put off a little not knowing they would do that when all the while I had been trying to pay my bill. So I asked if this would go on my credit since I had been trying to pay this. He said if I paid that day that I would not have my credit be negatively impacted. 

I did so immediately and without hesitation. 

I did not think of it after that or check the payment for it until I got ANOTHER call from this credit collector 3 months later in XXXX. When they told me that the bill still had not been paid, and that since it was 3 months after the initial call that it would show up on my credit. 

When asked they could not provide any information about the initial call, but said they had reached out. They could not tell who made the call or anything specific ( recording ) but said they had contacted me. 

This is on my report, and I have tried to pay to have it removed, but those attempts have failed. To me this seems like a shake down. XXXX involved with Eastern Account system creates environment where customer can not pay bill. Send to Collection where Eartern Account creates environment where customer get dinged on credit reports. Customer pays company to get resolved. 

Thank you for you time. I appreciate any assistance and guidance you can provide.
Consumer complaint received 2022-03-05
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: American First Finance, Inc. (GA)

AMER FST FIN HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO XXXX XXXX. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO AMERICA FIRST FINANCE TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

XXXX XXXX HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. XXXX XXXX AND AMERICA FIRST FINANCE HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (NC)

Company is now reporting that the bank is reversing payments and also claiming bank is reporting insufficient funds when bank has not reversed payments, as reflected by balance, & no reports of insufficient funds as per balance. A call to XXXX XXXX also confirmed they are not reversing payments & no insufficient fund reports had been generated. If the payments were not applied or provided then where is the money/payments equalling over $ XXXX?
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PR)

Equifax internet service dispute portal never working. As a consumer we can reach them to summit a dispute. In my case this account appear twice We need a mechanism to reach them. In my case internet is the better but the poral never works.
Consumer complaint received 2023-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

As a federally protected consumer XXXX & Capital One have violated my rights. 

Pursuant to the Privacy Act I the consumer am entitled to privacy of my nonpublic information. My transaction history is private information furthermore per Capital One terms and conditions they agreed not to share my information with non affiliates and the reporting agencies are NOT affiliates of Capital One. 

15 U.S.C 1681a ( 2 ) ( A ) ( i ) 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681a ( q ) ( 3 ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) Under 15 USC 6802 I the consumer also opted out of this information on XX/XX/XXXX 

Under the XXXX XXXX XXXX Capital One agreed to discharge this debt according to the forms on file with the SEC. 

Due to the promissory note of the consumer being securitized the certificate of indebtedness should have been credit to the consumer therefore no late payments can be reported.
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/XXXX I leased a brand new XXXX XXXX in XXXX, CO. The lease was for 3 years, I made every payment on time, and took very care of the car. At the end of the 3 years, I extended the lease for another 6 months. I had excellent credit and very good job. In late XXXX my wife fell ill and after tens of thousands of dollars of medical bills she became disable and couldn't work. We accumulated high credit card balances. However, I never missed a payment on any of my credit cards or the lease payment. 
In XX/XX/XXXX XXXX informed me that I can't extend the lease any longer if I want the car, I can buy it. They told me that based on my excellent payment history with XXXX, if I finance it with XXXX the interest rate will be between 4 % - %, but I have to do that at XXXX Dealership, so I went to the closer XXXX Dealership on the last Saturday of XX/XX/XXXX. XXXX XXXX in XXXX, MN lied to me and told me that they can't finance the loan with XXXX XXXX, it has to be a BANK. They recommended Ally. I wish I never went to this dealership, other XXXX dealers in the area told me ( after the fact ) that XXXX did not use XXXX because Ally pays them to bring customers in. They told the interest rate will be 9.25 % for 60 months. I thought with my excellent credit it should be much less however, it was the last day I can buy or turn in the car. 
Ally Financial and XXXX XXXX took advantage of 70 year-old trusting man. Ally knew that they were deceitful so they didn't send me any paper work, and their website doesn't show how much was charged, and the statement have to be downloaded and it doesn't show much either. After paying Ally about {$8700.00} ( 33 month X XXXX ) they show that I still have 41 month remaining at XXXX that another {$10000.00}. 
I called Ally at the beginning of the year and asked them if I can make the payment on the XXXX of the following month rather than the XXXX of the month, they said if it's less than 10 days there will be no late fees and no extra finance charges. On XX/XX/XXXX I called again because I saw the finance charges would be much higher this year than last year. After 45 minutes with the agent, he would not give me any details. So, I gave them a low point feedback, I received a call from Ally the same day. I will attaching printouts to show how deceiving Ally is.
Consumer complaint received 2024-04-12
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. (VA)

Based on your investigation ( XXXX, CFPB complaint # XXXX ) The reporting number of days late on the payment history has been inconsistently updated for XX/XX/2018 as 60 days late and on XXXX, its 30 days late for XX/XX/2018. If the information is coming from the original creditor then the days late should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete the 60 days late and replace with Paid On Time.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have spoken to XXXX customer representatives multiple times throughout the year XXXX after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to XXXX. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Consumer complaint received 2024-03-22
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. (GA)

I am writing to formally dispute and request the immediate deletion of inaccurate information from my credit reports. Specifically, I am addressing a charge-off account reported by XXXX XXXX XXXX XXXX The discrepancies in reporting across Experian, XXXX, and XXXX are concerning and do not accurately reflect my credit history. 

Account Information : Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number : XXXX Date of First Delinquency : N/A Current Status : Charge-off Discrepancies : Address Variation : There is inconsistency in the reporting of the creditor 's address across the XXXX credit bureaus. Experian and XXXX report the same address, while XXXX shows a different XXXX XXXX XXXX. This inconsistency raises concerns about the accuracy and reliability of the reported information. 

Payment History : There are significant disparities in the payment history reported by Experian, XXXX, and XXXX. Experian shows payment history from XXXX to the present, XXXX from XXXX to the present, and XXXX does not display any payment history at all. Such discrepancies cast doubt on the accuracy and completeness of the reported information. 

XXXX of XXXX XXXX : There is conflicting reporting regarding the status of the account from XX/XX/XXXX to XX/XX/XXXX. XXXX indicates that the account was current/terms met during this period, while Experian reports the same dates as the charge-off period. This inconsistency further highlights the inaccuracies in the reporting of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus are obligated to report accurate and verifiable information. The discrepancies outlined above demonstrate a failure to comply with these legal requirements. Therefore, I am formally requesting the immediate deletion of the inaccurately reported charge-off account from all three credit bureaus. 

According to the FCRA, inaccurate information must be promptly investigated and corrected or deleted from consumers ' credit reports. I kindly request that you conduct a thorough investigation into the discrepancies outlined above and take the necessary steps to rectify the inaccuracies in my credit reports. 

Enclosed with this letter are copies of supporting documents, including credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies in reporting. 

According to statute 15 U.S. Code 1681s2 ; 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. I reached out to XXXX XXXX XXXX regarding my concerns and requested a copy of the original contract, but they did not respond to my request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX