davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C. (IL)

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I received a letter from Equifax XX/XX/XXXX ( XXXX  ) pertaining to a dispute I filed on XX/XX/XXXX. This dispute regarded several accounts that were a mix of previously and newly disputed information. With that being said, I received the results via mail XX/XX/XXXX. My results came in and there are multiple things deleted as well as showing not currently reported on my consumer report. However, this letter does not reflect on my FICO nor XXXX  score. It is going on 3 weeks since these results came in. 
There is also one particular account in the amount Of {$1700.00} that still remains on my report. It was deemed as being owned by me however, the reason that it was disputed was not for fraudulent charges or anything pertaining to the ownership of the account. This account was disputed for not having complete information on my FICO 8. The information still remains the same. It shows the amount owed, account number, and date opened. It does not show whom the debt belongs to, or any information for me to contact the collector. This is a violation of the FCRA for not displaying complete and accurate information. I had a similar account with the same dispute reason that was removed in this investigation. However, both of these accounts were being disputed for the same exact reason. This information should not have been modified but removed off my report entirely for originally being incomplete. 
I also have a charge off that was paid for less, and when disputing, the first time was not acknowledged, or notated on my credit report. In this most recent investigation, I requested that they charge off be removed due to the fact that it had been paid. Regardless of if it was paid in full or paid for less once the charge off is paid and was never notated on my report, it was a violation of the FCRA. I, the consumer, have the right to dispute any inaccurate information on my report. I disputed these items and did not receive satisfactory results. You can clearly see on the Equifax letter that was sent to me. It states we have reviewed your concerns in our conclusions are collections that have not been paid in full will remain on your credit file seven years from the date of first delinquency. However, I was told by the bank that developed my collection that the remaining amount would be forgiven, and that the status would be paid in full. This is a complete misconception all the way around and I am requesting that this information be removed off my report.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : DPT EDXXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

DPT EDXXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : XXXX Not correct. I have no recollection of authorizing this credit pull and I demand this to be removed. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-04-06
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. (NY)

The customer reporting agency, Equifax, I asked for correct verification Equifax does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

The servicer NationStar mortgage is not honoring the agreement of the national settlement. I received a modification as of XX/XX/XXXX having trying for several years on the basic modification. My loan originator was XXXX XXXX XXXX as of XX/XX/XXXX also my servicer. XXXX XXXX XXXX sold my mortgage to XXXX Bank which is not aware of the settlement offer agreement that I received. They also made NationStar the servicer as well which sent me a letter that they will honor the settlement agreement. This has not been honored to date.
Consumer complaint received 2024-04-06
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. (NC)

I reviewed in depth my credit report and identified an account not reporting accurately. I have all payments made on time but is not being reflected. The consumer reporting Agencies has the need to report all information with complete accuracy. These accounts have not been late on payment. I have attached copies of my credit reports to this complaint on the following dates and account numbers XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am now requesting you investigate and provide verifiable proof with records, showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time or deleted immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2017-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (GA)

XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant XXXX XXXX XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

Creditor has been made aware that debt involves original creditor ( Retreat at XXXX XXXX ) violating Texas Property Code regarding repair of health or safety hazard in apartment. Apartment had mold and foundation leak, causing perpetually damp flooring in unit. Creditor will not discuss resolving dispute prior to litigation or allow me to discuss this matter with an attorney representing creditor, despite being informed that I am a licensed attorney in the states of XXXX XXXX XXXX Creditor refuses to provide phone number or email to legal department regarding Debt Removal Letter or pending litigation, despite knowledge that I am a licensed attorney in the state. Creditor did not provide me with written notice of the debt being placed on my credit.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (GA)

Used Pay Anyone feature on Chime to pay for a puppy that ended up being a scam. Filed a police report and reported to FBI and FTC. Chime said I could not get money back because it is a peer-to-peer payment application. I am out {$3100.00} from scam.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
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. (GA)

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 on my Equifax.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX  Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX XXXX  stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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 2024-04-03
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Beginning on or around XX/XX/2022, what is now known to be " Wakefield XXXX '' has been harassing me at work and home phone numbers. They fail to state they are a debt collector and instead purport to be an legal agent. They call from one number and yet list a completely different number to call back. Further investigation reveals that both numbers lead to the same place. 

Upon further review, the company answers the field differently per each call, such as today when called back I received the following answers : 1 ) Wakefield 2 ) None of your business 3 ) Wakefield XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX At none of the times they were leaving messages, nor when called back, did they state at any time they are a debt collector. 

They also continue to harass after being informed that I filed a bankruptcy, so any debt collection is not only invalid but also against federal law. 

I have attached a copy of their voicemail that was left on XX/XX/2022. 

Company has failed to EVER provide debt validation, nor have they ever even sent documentation to me via mail!
Consumer complaint received 2017-09-19
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. (WI)

Good Morning, I have reached out to XXXX on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX, XXXX and TransUnion will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The bank accounts are POD which I didn't ask for and I'm not dead. The beneifcaries are unauthorized I never named no one for that. Also I'm divorced and never give anyone authority to act on my behalf at all.Medical statements are false to get financial gain. Since 2020 when I filed identity theft I haven't yet been able to access not XXXX account on my behalf. I never give consent to a third parties or a power attorney.I never got any legal documents for accounts, mortgages, properties nothing at all due to mail theft and divorce and unauthorized transfer of assets and accounts and due to unauthorized name change caused by marriage license and high school dilpoma and birth certificate stolen. I need to update my information. No actions were taken but a new account but nothing was fixed.. my data is sharing with the public so public access to information on back accounts. Currently homeless right now due to this.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I signed up for the checking account bonus with Citi, which was to open an account, meet the minimum deposits and spending and received the XXXX XXXX XXXX miles XXXX days after completing the terms. 

I completed all the steps in XXXX and should have received the bonus in XXXX. I contacted Citi XXXX times and was told I qualified for the bonus but they did not know when I would get my miles. I was further told that I would have the miles by XX/XX/XXXX, which was significantly later than the terms, but either way I have not received the miles. I keep getting the runaround.