davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00}
Consumer complaint received 2022-11-17
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. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-18
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: EQUIFAX, INC. (MD)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (FL)

Vehicle was leased from XXXX in XX/XX/2020 for {$16000.00}. Down payment was {$2700.00} been paying {$450.00} a month since almost 3 years try to refinance through company Exeter finance they stated they don't refinance and i have to go through the car lot where the car came from. Ive been getting mislead back and forth thried trading the car in 2 weeks ago car is only worth XXXX then but i still owe {$13000.00} on the car after almost 3 yrs interest rate is 27 % and no car lots will accept the trad in because of the loan and this week the vehicle is worth {$4300.00}.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (NJ)

On XX/XX/XXXX I received a letter from a debt collection agency, dated XX/XX/XXXX by : NCC XXXX XXXX XXXX  XXXX, VA XXXX. XXXX The letter said I had multiple debts with XXXX XXXX XXXX XXXX in the amount of {$16.00} I called XXXX since I have always paid for service on the same day of service. 
I was told by the receptionist, that I do not have a balance and my account was all paid up. She also mentioned that the letter may be a scam as many other patients have called in to complain about the same issue. She said to please disregard the letter. 

I believe someone within that company may be behind this. I think it is a scam as well.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan Neil & Associates, Inc (CA)

The main reasons for my complaint are described in the fourth and fifth paragraphs below. 

On XX/XX/2018, I received a letter, dated XX/XX/18, from Jonathan Neil & Associates , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, telling me I had seven business days to respond to the letter or they " may request SUSPENSION OF YOUR DRIVER 'S LICENSE, and also REMOVAL OF YOUR VEHICLE LICENSE PLATE REGISTRATION .... '' The letter also indicated an auto-insurer 's claim number and an amount of damages. The contact person listed was XXXX XXXX, at extension XXXX. The letter I received concerns an automobile accident in which I was involved in XXXX of this year. The matter was resolved by my auto-insurance company. I do not owe any money to anyone from this incident. 

Later on XX/XX/XXXX I faxed a copy of the letter to my auto-insurance company. On Monday, XX/XX/XXXX, my insurance company emailed me a copy of a letter that they had faxed and mailed to Jonathan Neil & Associates asking them not to contact me anymore and to contact them if they continued to have any concerns. 

Also on XX/XX/XXXX, I received a voicemail at my home at XXXX XXXX   from XXXX XXXX telling me it was " imperative '' that I call him before the end of the day about an important matter. The number he left for me to call was XXXX, extension XXXX. 

The main reason for my complaint is that also on XX/XX/XXXX I received  an email from my elderly mother-in-law who lives on the opposite side of the country from me. In that email and a subsequent phone call, she told me she had been awakened from a nap by a phone call from a man who I assume was Mr. XXXX, asking to speak with me. She said I wasn't there. He asked her for my cell-phone number. She said she didn't have it. When she asked him what the call was about, he said it was a " private '' or " personal '' matter. ( She's not sure which of those words he used. ) He asked her to tell me to call him " today. '' She doesn't have the name of the person who called, but the number and extension he left with her match those of XXXX XXXX that were left on my home voicemail that day. 

I do not know how Mr. XXXX found a connection between me and my mother-in-law and then found her phone number, but I assume it was through some internet sleuthing. I am furious that he called her at all, and that he disturbed her rest, and that he caused her worry. She had no knowledge of the incident about which he was trying to contact me. He never should have contacted her. 

To top it off, on XX/XX/XXXX I received another letter from Mr. XXXX, dated XX/XX/18, identical to the one he sent on XX/XX/XXXX and containing the same threats about my driver 's license and license plates.
Consumer complaint received 2023-12-18
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRIES : XXXX : XXXX XXXX ( XX/XX/XXXXXXXX  ), XXXX XXXX  ( XX/XX/XXXXXXXX  ), XXXX XXXX XXXX ( XX/XX/XXXX ) EQUIFAX : XXXXXXXX XXXX  ( XX/XX/XXXXXXXX  ) XXXX : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was trying to cash cheques I did not know the cheque was fraudulent and I sent the money via XXXX back to the person who gave me the cheque, the cheque then was returned after funds had cleared and took all the money I had in my account and that I had saved for, XXXX only XXXX and XXXX realised what was happening until {$1700.00} was gone. I told the bank and filed a police report and the bank now says theres nothing they can do as it wasnt fraud and that I willingly transferred the money but if the cheque hadnt have cleared I would have known it was fraudulent. Surely its partially the banks fault for letting the cheque clear
Consumer complaint received 2024-04-16
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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 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
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My personal information was stolen while I have been incarcerated, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX  XXXX. 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home
Consumer complaint received 2024-04-16
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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 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 2024-04-16
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2023-12-18
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. (MO)

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 3rd party. They in fact did not come from a 3rd 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 2024-04-16
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-02-17
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (GA)

Round point merged or XXXX bought them out not sure but there are multiple 30 days late, 60 days late, 120 days late on our account when Roundpoint didn't even own our account XXXX did. Now we have sold our home and now can't get another mortgage because of this discrepancy. I want this taken care if. If we didn't have Roundpoint since XXXX how can they report us late in XXXX??
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX This account is listed innacurately amongst all 3 credit bureaus. The " Date of Last Payment '' is showing a different date each for XXXX, XXXX and TransUnion. 
Id the date of last payment is incorrect it falsely manipulates the statute of limitations on when this account is supposed to fall off.

This is a violation of my consumer rights. Please delete this account immediately Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2018-11-19
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: EQUIFAX, INC. (NH)

Equifax was given a second dispute on XX/XX/XXXX in regards to a XXXX XXXX charge card that was opened fraudulently in a identity theft event. 
The person was charged, found guilty, ordered to pay restitution XXXX XXXX agreed to close and delete but never did in XX/XX/XXXX. 
I once again disputed it with credit bureaus in XX/XX/XXXX. The other bureaus deleted it and sent me a letter to say it was corrected and deleted. 
Equifax never responded. 
I called to ask what the outcome was and they state they see the dispute but can not find the outcome or information in system of the person who collected the data-just it was a open dispute since XX/XX/XXXX. They want me to restart process which I think is not legal. 
They show the claim, they have no response-and its beyond 30 days.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Progrexion Holdings, Inc. (NY)

credit.com registered an account using my identity without permission, set up a payment method without my consent, and was on the verge of charging me exorbitant monthly fees for their services if I hadn't caught it. I had to visit credit.com, click on 'forgot password ' as I never signed up there originally, create a new password, access my account, and find how to switch the plan to basic which doesn't require any payments.
Consumer complaint received 2023-12-18
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (CA)

Upon scrutinizing my recently updated personal credit report, I have noted the persistent presence of an unauthorized credit inquiry on my file. I have engaged in communication with the relevant company, urging them to promptly remove their credit inquiry from my credit profile. I reiterate my request for you to initiate, without delay, the removal of the inquiry outlined below from my credit report. Given the substantiated nature of my claim, I trust that you will expedite the elimination of this inquiry at the earliest convenience : XXXX XX/XX/year>. If, upon review, you find the aforementioned inquiry to be valid, please provide me with a description of the investigative procedures within 15 business days following the conclusion of the inquiry. Otherwise, I implore you to adhere to my request and expunge this inquiry from my file.
Consumer complaint received 2023-12-18
Product: Credit 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. (NV)

In XXXX, I disputed a charge made by XXXX saying I had purchased a game that was shipped to an address in Texas. At first, the employees I spoke to tried to be helpful. I spoke to at least XXXX. In XXXX, I received a notice that they had documentation from the merchant & the {$160.00} was added back to my account. I immediately contacted Citibank & spoke to a man ( I wish I had written his name down ). He became very accusatory & said you didn't sign the letter & return it to us by XX/XX/XXXX, as you were instructed. I told him I never received the letter. He said you most certainly did, it's on your webpage. I said & I'm supposed to know this. He said yes. I did find the letter on my webpage. I signed & mailed it to Citibank, XXXX XXXX  XXXX, XXXX XXXX, SD XXXX. 
I phoned Citibank again & was bounced around & asked to call a different number. Finally, I reached a man who seemed to know what I was talking about. He said they had documentation from XXXX. The documentation showed my credit card number, my name was misspelled & an address of XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, where the game was delivered. I did not make this purchase & have no intention of paying. XXXX of the employees asked if I had grandchildren who XXXX have used my credit card. I do have grandchildren, but they live in XXXX & have no access to my credit card. The thing that bothers me the most is that I receive advertisements & solicitation from Citibank at least weekly in the mail & they couldn't mail the letter or send me an e-mail to tell me the letter was on my webpage. They have now sent me a bill & sent an e-mail to tell me where it was. They have charged me interest & have threatened to charge me a {$40.00} late charge. Please help.