davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (WA)

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 is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : JPMCB CARD XXXX
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (AZ)

I have exhausted all Attempts with Equifax to have my Credit File Corrected. Equifax continues to Report Incorrect/Impermissible information on my credit report that are Repeated Clear Violations of Federal Consumer Law. The Following account is Reporting Incorrect showing a Balance Due of : {$20000.00} and notates Late Payments that are Not Permissible under Consumer Law " 15 USC 1666 Permissible Purpose. 

XXXX XXXX XXXX XXXX acct # XXXX ( joint acct : XXXX XXXX XXXX ( Past Due Balance ; {$20000.00} Notates Late Payments ) This account is for an Auto Loan of our : XXXX XXXX XXXX XXXX XXXX XXXX This Auto loan with XXXX XXXX XXXX XXXXXXXX was Paid Off in Full on XX/XX/XXXX and We were issued our Clear Title on XX/XX/XXXX. Attached are Documents Clearly and Undisputable supporting the Dispute of Incorrect/Impermissible Reporting by Equifax. Equifax has continuously committed Fraudulent " Said Investigations '' and Repeatedly denies the Dispute and continues to Violate my Consumer Rights by reporting " Account VERFIED/VALIDATED/CERTIFIED to BE FACTUAL and CORRECT '' I urge CFPB top Enforce my Consumer Rights and Protect me the Consumer from Equifax 's continuous Violations of Federal Law and Reporting of Incorrect/Impermissible Reporting of account information Attached are Supporting Documentation of Above accounts and Also Identification Document to Verify who to Avoid Fraudulent Response by Equifax as Filed in CFPB Complaint XXXX XXXX which contains Proof of Equifax 's Fraudulent Previous Responses of " We were Unable to Locate your Credit File '' -Also see attached Equifax Credit File Report Sent which Identifies me via Equifax Confirmation # XXXX
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

It was Good for XXXX XXXX months then all of a sudden we get a bill notice of non-payment and notice of default and it's like every XXXX XXXX  now that we're getting this when it's coming out of XXXX  bank account but on their end it's supposedly being reversed and they're constantly hitting XXXX  with a XXXX  fee and they said that they gave XXXX a payment arrangement to where we would pay it off but all of a sudden we're in default and it's still showing that you know we're not doing XXXX
Consumer complaint received 2023-12-19
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. (WI)

I have been asking the credit bureaus to reinvestigate a bankruptcy that is reporting on my credit report. They replied to me stating that the bankruptcy has been verified. I have contacted the United States Bankruptcy Court XXXX XXXX of Wisconsin and they have advised that they do not report bankruptcy info to the credit bureaus. Furthermore, the credit bureaus advised me that they verified my bankruptcy with XXXX XXXX, but I have documentation and have sent them documentation showing that XXXX XXXX was unable to verify the accuracy of the bankruptcy and that they have deleted it from their database. How are they verifying this bankruptcy and it's accuracy? I demand that the credit bureaus show me the proof that they allege they have for the reinvestigation. This has caused me financial hardship and emotional distress as I have been attempting and trying to get this matter rectified.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (NC)

Ive received a notice of debt collection for toll payments without detailed itemized list. When I pull up any toll pending payments from the state toll agency all past due payments are shown showing no updates that any specific tolls have been sold to debt collectors.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiries i didnt authorize below : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX -XXXX DATE : XX/XX/XXXX
Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had XXXX debt collections on my credit report for XXXX XXXX, XXXX on XXXX, XXXX and Transunion. I have disputed them multiple times with XXXX and Transunion explaining to them there is errors and I am unaware of the account. XXXX and Transunion refuse to update the information and remove them from my credit report when it has been found that the collection in fact is an error by XXXX. XXXX found the error and removed it from my credit report but XXXX and Transunion have not. It is reported that is mine but not giving me the information that proves this is my account. The statement I am being sent is not valid information on what was done to investigate it or show how it is mine account. XXXX and Transunion has failed to follow correct procedures with the law on providing me the correct information.
Consumer complaint received 2017-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with 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. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (MO)

I have sent several complaints and letters to Blitt & Gaines, P.C law firm and they have refused to send me anything that I have asked for. The only thing they have sent me is credit card statements but thats not what I asked for. I asked that they provide The affidavit of Corporate Authority ( Who from the board of directors office appointed Blitt & Gaines, P.C to collect on behalf of XXXX  XXXX, XXXX. )? I also asked for any type of proof such as a bond number, license or anything of proof showing that they can collect debt in Missouri and so I did my own research and can not find the attorney that is sending me letters from the law firm. I went on the state bar site and was unable to pull-up this attorney that is listed on the letters they are sending me. I am aware of the following and at this point feel like I have been violated under the FDCPA. 
Section 807 ( 4 ) : Unfair Practices : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Attempting to collect a debt without the required licensing in your state could be considered an unfair practice.

Section 807 ( 5 ) : Threats of Illegal Action : Debt collectors may not threaten to take any action that can not legally be taken or that is not intended to be taken. Threatening to pursue legal action in a state where they are not licensed to practice law or collect debts could violate this provision.

Section 807 ( 10 ) : Use of False Representation or Deceptive Means to Collect a Debt : Debt collectors may not use any false representation or deceptive means to collect or attempt to collect any debt. Misrepresenting their authority to collect the debt in your state could be a violation of this provision.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXXI Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  XXXX Account Number : XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (NJ)

This inaccurate reporting was going on since 2018. This was vacated by court order and I am not responsible for this account. Why is it still showing on my account? Please remove accordingly per court order. You have an obligation to remove invalid information and you need to comply especially an court order.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (VA)

I recently obtained a copy of my credit report from the Equifax, XXXX and XXXX. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.
Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting again my complain regarding this matter. The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} -Please check the Payment History and Status information on this account and adjust accordingly ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off? Please remove this collection from my credit report ; - ; XXXX XXXX Balance Owed : {$460.00} ; ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the XXXX of reporting according to the state of illinois
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

I disputed a XXXX BANK REPORT with EARLY WARNING SERVICES , LLC. XXXX XXXX BANK , XXXX XXXX REMOVED THE REPORT ON XXXX. Early Warning " SAYS '' that they sent me A NOTICE OF REMOVAL LETTER on XXXX, however, up today XXXX, I HAVE NOT RECEIVED ANY NOTICE OF REMOVAL LETTER FROM XXXX XXXX BANK , XXXX XXXX.
Consumer complaint received 2022-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient has recently submitted a bill ( statement date : XX/XX/XXXX ) associated with my account number XXXX that wrongfully states that I failed to issue a payment. Throughout XXXX I have complied and submitted my specified IBR payment, {$550.00}. Even their own account history reflects that I have faithfully submitted payment each month. The last payment made in XXXX shows that they applied {$470.00} to interest and {$75.00} to fees. This application of my payments was divergent from prior months wherein it all went to interest. On a side note, I thought during student loan payment pause that my payments would be applied to principal, but that past two years reflect that nothing has gone to principal. 

It is typical behavior for Navient to engage in false billing practices then unilaterally and falsely assert unpaid fess on my federal student loan account. I have previously submitted a complaint regarding wrongfully assessment of unpaid fees applied to my account due to their fraudulent and willful failure to accept my IBR application. They also purposefully misdirected me to enter into a hardship deferment when IBR was the best option. Those disputes remain continuously contested originating in XXXX with no resolution. Again, it appears that Navient is attempting to assess wrongful amounts and fines against my federal student loans. While others student loan borrowers have been able to enjoy the payment pause on student loans over the past two years, I have paid my IBR payments only to meet harassment at this juncture. 

Borrower : XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (FL)

I took out a loan from Credit FreshXXXX XXXX XXXX  in XX/XX/year>. Their loans are extremely predatory. I am paying {$240.00} a month for a {$2400.00} loan. Out of the {$240.00}, only {$40.00} dollars are going towards my balance, meaning Credit Fresh is charging me {$200.00} just for having an account with them or in what they call " billying cycle charges ''. 
Their system is designed for you to not be able to pay your debt unless you pay it all at once. This loan will take me about 5 years to pay off, in which they will pocket about {$12000.00} in fees. I can't recall if at the time they had the examples and loan/billing cycle charges, but they have modified the agreements, and I can not find the original one. The first one I see available for me is the amended one on XX/XX/year> and by the time, I had already been making monthly payments, since XX/XX/year>. Additionally, they included an arbitration agreement to their policies so that they can not be sued. 
There are multiple XXXX  complaints regarding this company. I urge to please look into them. I took a loan at a time of need, and I still find myself paying it 2 years later. They are draining my bank account every month. 24 months later paying 240 a month I have paid more than double what I initially borrowed.