davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX  that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX  ( ALSO KNOWN AS XXXX XXXX  XXXX. I had reached out to XXXX  XXXX, and they stated that my loan was in fact sold to XXXX XXXX  back in XXXX/XXXX  and I should have received a notice from XXXX XXXX  also and provided me with XXXX XXXX  account number. I had reached out to XXXX XXXX  on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from XXXX XXXX  had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX is XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from XXXX XXXX  had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from XXXX XXXX  had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX XXXX was never carried over to XXXX  XXXX  which results in the late payment and since XXXX  had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX  XXXX  regarding the selling of the loan to XXXX XXXX  - No email/letter/phone call was attempted by XXXX XXXX  regarding the purchasing of the loan from XXXX  XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX 

- I have filed a dispute with XXXX and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX  removed and my credit score should be back to XXXX points. 

- XXXX still shows my balance with XXXX Open. with 90  days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : XXXX XXXX. 

RE : Account # XXXX Balance : {$90.00} XXXX XXXX XXXX 
Account # : XXXX XXXX : {$110.00} XXXX XXXX. 
Account # : XXXX XXXX : {$98.00} XXXX XXXX. 
Account # : XXXX XXXX : {$130.00} XXXX XXXX. 
Account # : XXXX XXXX : {$120.00} XXXX XXXX. 
Account # : XXXX XXXX : {$320.00} XXXX XXXX. 
Account # : XXXX XXXX : {$170.00} XXXX XXXX. 
Account # : XXXX XXXX : {$73.00} XXXX XXXX. 
Account # : XXXX XXXX : {$87.00} BANK OF AMERICA Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp. (FL)

THE DEALSHIP WHERE I PURCHASED THE CAR CLOSED DOWN AND NEVER GAVE ME A TAG FOR MY VEHICLE, GAVE ME THE RUN AROUND WITH PAPER PLATES.NOT THATS EXPIRED AND I HAVE NO WAY OF RENEWING THE REGISTRATION.IVE BEEN PULLED OVER 4 TIMES AND MY COMMUNITY HAS TOWNED THE CAR FOR NO TAG ALREADY. WHEN I CALL THE TITLE DEPART AT THE BANK WHERE I GOT FINANCE FOR THE CAR, THEY TELL MY THAT DEPT IS CLOSED TO CALL BACK LATER AND THEY NEVER CALL ME BACK. I DONT WANT THIS TO BECOME A BIGGER ISSUE BUT IM PATING FOR A CAR THAT HAS NO TAG OR REGISTRATION AND I CANT CONTINUE TO USE BECAUSE I DONT WANT AN EVEN BIGGER PROBLEM. PLEASE HELP ME OUT. 
THE DEALERSHIP IS CALLED : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE # XXXX ... 
MANAGER NAME : XXXX XXXX UNITED AUTO CREDIT XXXX XXXX Send a Message Customer FAQs
Consumer complaint received 2023-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I made a deposit at the ATM branch of Bethpage Federal, credit Union in XXXX, New York on XX/XX/2023. The ATM ate {$220.00} of my deposit and rejected {$55.00}. My grand total deposit was for {$1100.00}. I went into the branch deposited the {$55.00} that the machine rejected and told the teller about the {$220.00} the ATM ate. She ended up giving me a provisional credit. Then on XXXX XXXX XXXX  bethpage Federal credit Union reversed the provisional credit to my account. They completed an investigation where they denied my claim saying the ATM was balanced, and no discrepancy was found. The bank did not notify me that they denied my claim. I have never received a letter in the mail and I only found this out today XX/XX/ because I was depositing money into my childrens XXXX accounts associated with my savings account. The teller printed me out a piece of paper that was dated from XX/XX/ that I repeat I have never received in the mail. Their investigation is completely wrong. I know what I deposited. I know what the total was and I want them to pull up cameras from the ATM. Nobody will speak to me and I can not get anybody on the phone from the operations department at Bethpage Federal credit Union.
Consumer complaint received 2021-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (IL)

I recently checked my XXXX  credit report and I still see a collection from ability recovery services on my report for {$0.00} after I was told over the phone once I pay the {$170.00} which I did in full that the debt would be deleted but ability recovery didnt keep their promise.
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (OK)

Hi my name is XXXX, this debt is by I.Q. Data international. XXXX XXXX, an apartment in XXXX  XXXX owned by XXXX XXXX is charging XXXX  of dollars for rent even though they broke the lease by not making repairs required to sustain habitability. On XX/XX/2022 I submitted a maintenance request to fix my apartments air conditioner and I waited 2 weeks, the legal wait period. I never received a response so I messaged them saying Im leaving. The apartment was XXXX and if my parents didnt live in the same city, I wouldve been homeless.
Consumer complaint received 2023-05-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank has called my parents and husband and left messages about a debt I owe. I have emailed them stating the merchandise was returned and they need to take it up with their partner as they did not process the return in a timely manner causing late fees and interest to be applied to the account.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I tried several times to open an account with wells Fargo I had opened an account before in XXXX  and it was closed because I was getting overcharged with things I had no idea what it was. But I'm trying to reopen an account online but it won't let me and I'm not getting a reason why.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry XXXX, Experian, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This vehicle was stolen and when the police retrieved it.. it was returned back to the company and they told me the car was sold and the amount it was sold for would be put to what I owed down. This was almost 3 years ago.. they closed the account and Im not sure why it says its open and a balance. This needs to be off my credit report
Consumer complaint received 2023-02-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-08-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Entrata Inc. (NE)

Resident Verify and XXXX XXXX XXXX appeared to collude to falsify my credit report in order to increase a deposit for an apartment or provide financial benefit to one ot both companies. I am attaching the letter my attorney wrote to both companies asking for an explanation as to why an Adverse Action Letter was issued when my credit score is clearly listed as an XXXX. The report notes that the information was obtained from XXXX ( which they deny and state they only use XXXX  scores and not XXXX ). I spoke with representatives from both companies and no explanation was provided, the hard inquiry was not removed as requested and the counsel from Resident Verify responded with false and erroneous information. He appeared to blame XXXX XXXX falsifying the report. I could not get an explanation as to why the adverse action letter was ever issued and who issued it.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (GA)

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 : 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  has violated my rights. Or a list of inquiries : 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 an 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 2023-03-14
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/201 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.
Consumer complaint received 2023-02-28
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX   XXXX Balance : {$15000.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; CXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-16
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 Reporting Act, this creditor ( XXXX XXXX Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. 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. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (FL)

I paid off the account in 2022 and relocated to Florida last year. When I got the bill from Audi I requested a copy of contract where I approved of this charge. Audi did not provide such. I am not just noticing that there is a charge back.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

During separation, the XXXXXXXX XXXX XXXX that I co-signed for was left in my possession XXXX XXXX My Husband ( XXXX XXXX XXXX filed for XXXX XXXX XXXX that listed the XXXX during our divorce- XX/XX/XXXX Total Loss date of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX pymt of {$16000.00} to XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was approved -XXXX  XXXX XXXX balance that can not be pd off is {$8200.00} - XX/XX/XXXX Divorce finalized - XX/XX/XXXX Contacted XXXX  XXXX XXXX XXXX XXXXo dispute `XXXX open '' status & pay $ XXXX balance which I was informed Im not allowed to- XX/XX/XXXX Contacted CFPB to file a complaint - XX/XX/XXXX CFPB closed case with no resolution - XX/XX/XXXX XXXX  XXXX reported to credit Agencies a new balance of {$22.00}, XXXX - XX/XX/XXXX Submitted XXXX XXXX Credit Dispute - XX/XX/XXXX XXXX XXXX says no new information was reported to Credit Bureaus ; however every time I dispute that update report with that new date - XX/XX/XXXX XXXX XXXX says the account is just reflecting the last information that was received prior to XXXX and no payment can be made or no new information is being reported to Credit Bureaus ; however , the credit report copy, I attached shows the last payment received is the date my husband submitted his XXXXXXXX that wasn't even approved yet. Furthermore, since I continuously called XXXX XXXX and filed disputes through my credit agencies, XXXX XXXX has now reported that my balance owed is {$22.00}, XXXX as of XX/XX/XXXX, and that I am 60 days past due since XX/XX/XXXX. I do not understand how this information is accurate and being reflected or reported correctly. I am in the process of buying a house and because of this one inaccurate update that plummeted my credit score, I am now ineligible for VA Loan. I've been working tirelessly to repair my credit after my divorce and this ongoing issue is incredibly difficult being a 100 % XXXX veteran I am very limited in what I can do to fix this.