davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
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 trust this message finds you in good spirits. I am reaching out regarding my recent examination of the credit report obtained from your bureau. Upon careful scrutiny, I observed the presence of reported late payments on my account. I have taken proactive steps to address and rectify any tardy payments, and I'm pleased to report that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. 
XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

previously distributed XXXX  XXXX/ XXXX revolving credit account date open XX/XX/XXXX with a balance of {$1600.00}. results came back stating account previously in Dispute no resolved reported by data furniture to be use for FCRA dispute by XXXX. Trans Union is reporting dispute resolved reported by grantor. I strongly disagree with results. Account is factually reporting incorrect. Date of last payment reported as XX/XX/XXXX by Trans Union and XXXX while XXXX reported XX/XX/XXXX. Payment history reported perfect payments by XXXX while XXXX reported consecutive charge off as if it was some sort of payment method.. date of last payment for XXXX was XX/XX/XXXX making no sense with what payment history was reporting. after I disputed account for factual, inaccuracies account came back with updates not only on date last active but also XXXX removed all payment history and replaced OK as agreed with consecutive charge off deleting date of last payment, showing no data whatsoever. Theres no way that you can report account with missing data and incorrect information. This is not acceptable information can not be deleted and replace as pleas.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (FL)

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.
Consumer complaint received 2024-03-29
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 hope this message finds you well. I am writing to discuss my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed the presence of reported late payments on my accounts and I am disputing this inaccurate information. 
I have taken proactive steps to address and rectify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. These are the accounts that must be updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.
Consumer complaint received 2023-02-02
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. (OK)

Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every 3-6 months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

In XX/XX/XXXX my card was cancelled. I have been a customer for over 20 years that is longer than the CEO 's. I first learned about this in XX/XX/XXXX. That is when I called to try to get my card re-instated. Instead I got this Executive Office of Customer Advocacy department who just gave me a canned response that they are not able to do it. I dont buy that. Im not quite sure what this department is supposed to do but it is not to help customers. I am asking for my old card to be re-instated. Credit card companies have a responsibility to communicate with their customers in every way possible. Discover did not do that. I have gotten ALL their e-mails in the past. To close my account they send it via mail. I have moved several times over the years and probably did not get it. THIS IS THEIR ERROR AND THEY HAVE TO FIX IT.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Account with Synchrony bank was opened in XXXX for a promotional purchase. In XXXX I called to renegotiate the debt with Synchrony and I was placed in a COVID19 Recovery plan and part of the plan was to close the account, no late fees charges and no promotional fees and to complete and for me to continue paying the original debt. The debt contract was extended for 3 more years after maturity date of the contract and the monthly payment was negotiated to be XXXX XXXXXXXX a month. In XXXX I made multiple payments and by the statement of XX/XX/XXXX was owed approximately {$250.00} dollars. In XX/XX/XXXX I received a statement for approximately {$1600.00} and I immediate contacted Synchrony Bank and explained the situation. I was informed by a customer service in a recorded line that they noticed that account was placed in a COVID19 Recovery plan and they saw the notes from the last representative. I was informed that the incorrect amount of interest added into the account would be removed and it would show in my next statement and that I only had to pay for {$250.00} that I owed due to the verbal contract ( COVID19 Recovery program ) we agreed over the phone earlier. In XX/XX/XXXX I received the statement and the changes had not been made I called and spoke to multiple people and continue to call and speak to managers. I was told in a recorded line that no changes had been made and corrections had been made by the last representative in XX/XX/XXXX and now my account was late for {$1600.00} dollars and it was late in my credit as well. I continued to call and opened cases in my profile. I was informed that someone from Synchrony Bank will contact me to resolve the issue and someone left me a message and immediately closed the case and never resolved it or investigated. Synchrony bank has a lot of miscommunication within their bank, their customer service do not provide the correct information and omit information. Synchrony bank also has a lot of operational issue and due to their lack or inappropriate information and operational issues and their incorrect reporting to my credit, this has provided me financial hardship issues.
Consumer complaint received 2024-03-29
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 writing to dispute the presence of fraudulent accounts on my credit report, as provided by your bureau. After a recent review of my credit report, I discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
The accounts under suspicion are outlined below : XXXX XXXX XXXX. 

Please provide written confirmation of the completion of your investigation and the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide an updated credit report reflecting the corrections made.
Consumer complaint received 2023-02-02
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

XXXX XXXX XXXX charged me + {$600.00} for the paint to the livingroom wall after I moved out, knowing that I have pictures for the apartment at the move out date proving there was no damage to the wall where they are claiming the damage. Also, I had a work order dated one year before I moved out regarding the bathtub and its enclosure. The paint was peeling and showing what beneath. I asked them to resurface the tile wall and the tub but they did not respond and they are now charging me for!! 
They were also about to charge me for the floor covering but I argued withem about it and I proved to them that the prior management company moved me in the unit with an old carpet and vinyl! 
2 days ago, I have disputed the balance with XXXX and sent them the pictures but they unfortunately closed the case as accurate without even looking into my case!! 
My concern is that XXXX XXXX XXXX as well as the collection agency are trying to make mass profit on tenants like me by sending these fake charges after weeks of the actual move out!! The Property manager refused to walk through the apartment with me at the move out date and she said she will inspect the unit after a couple of days then she will send me the statement!! I did not know that this is their procedure to put extra charges on the moving tenants. I'm working as a property manager too, and I know how to take care of my place. I have never been late with my bills and I care about my credit score, but when it comes to stealing my money I can't keep silent. 
I appreciate you would look into my case asap and please let me know whenever you need the proofs.
Consumer complaint received 2023-02-02
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/ 2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-08-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (WA)

I recently graduated from college my student loans are now through Navient. My partner, XXXX XXXX has student loans through Navient and I am not associated with his loans and am not a contact he would have given Navient. I am assuming that because we live in the same house they have started contacting me to try and reach him. On XX/XX/23 at XXXX XXXX  ( PST ) I received a call from a XXXX XXXX saying : " has me listed as a possible contact for XXXX XXXX and I'm trying to get a message out to XXXX but don't seem to have a working number so I was contacting you in the hopes that you might have an updated number or possibly a suggestion on how to get a message to XXXX. '' XXXX has talked with Navient in the last two weeks, they know they have his updated contact information, they have made notes on his account. The information that this man XXXX XXXX left on my voicemail is false. I reached out to Navient and was told by the woman I spoke with that when they can't reach someone they will try to contact the other people listed as family. I am not listed as family on XXXXXXXX XXXX account, and told them not to contact me again.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

I am a regular user of the GA XXXX XXXX XXXX lanes on the XXXX XXXX XXXX I have XXXXXXXX XXXX  transponder # XXXX permanently affixed to my car 's dashboard ( Plate XXXX ) and use it regularly. 

On XX/XX/2021, A highway RFID sensor failed to read my XXXX XXXX transponder. A toll violation was created in error, and the debt alleged by PAM is provably invalid. 

Professional Account Management has bought the debt for this alleged violation from the Georgia State Road and XXXX XXXX. I sent PAM certified mail ( USPS XXXX XXXX XXXX with evidence that the transponder was installed and active during the days surrounding the alleged incident and the debt was invalid.

PAM rejected the certified mail in an act of willful blindness. They have been unresponsive to attempts to communicate over the phone during regular business hours. 

PAM is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Using deceptive methods to collect debts U.S.C. Title 15, 1692-1692p. It is also in clear violation of the Georgia Fair Business Practices Act O.C.G.A. 10-1-390 to 10-1-406, which prohibits firms from engaging in unfair or deceptive acts or practices in the collection of consumer debts. 

Attached to this complaint is a transaction report document showing that transponder XXXX  XXXX was installed and active during the days surrounding the alleged violation. There is also a document showing that USPS certified mail # XXXX was rejected by PAM, in an act of willful blindness not compliant with consumer protection laws. 

The attached pictures prove that XXXX XXXX transponder # XXXX is permanently affixed to the car with GA plate XXXX. The attached transaction report shows that this transponder was active and used with the GA XXXX XXXX on dates surrounding the alleged violation.
Consumer complaint received 2022-11-23
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MN)

On XX/XX/XXXX, I bought a car from XXXX XXXX for a sticker price of around XXXX Credit acceptance was the only lender that would take the little credit I had and ended up with a 22 % interest rate and an over {$16000.00} finance charge. The total amount of my loan was around {$42000.00} with a {$4000.00} down payment. That is double what the car was worth. Fast forward to XX/XX/XXXX, I am trying to refinance my car, but I still have a loan of {$28000.00} and the value of my car is {$17000.00}.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I currently have 4 hard inquiries on my credit report that should not be there. I did not apply for any credit cards on those dates on my credit report. I would like to have those removed as soon as possible, so they will no longer have an effect or impact my credit.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

While going through my credit report I noticed a new debt of {$5500.00}. I went to look at it to see where it was coming from and have no idea who the debtor is. Theres no information as to any they are either ( in other words it well tell you who the original debtor was and theres no information ). The company is Rent Recovery solutions out of Georgia where I have never lived. It was only showing on one credit report as well. I placed a fraud alert on my credit reports.