davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. (PA)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts XXXX and XXXX ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2021-07-11
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: RateGenius Loan Services Inc (CA)

I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They call me daily while I'm at work, told me to pay a certain amount ( over $ XXXX ), when original amount I'm not even sure of ... they kept saying I needed to make payments before account went further in debt. I told them my situation, and that I couldn't pay even {$50.00} a month, being a single mom going through divorce and not even able to pay kids daycare or gas in car to get to work, l9et alone my ex husband refusing to help with child support, rent gettin raised XXXX, I owed my son 's school from last summer breaks still and we are getting ready for another summer break ... and They never mentioned anything about the ability to dispute just that's its attempt to collect a debti only that I owed over XXXX. I mentioned I was at work, that I had to g and to call later, and they rushed me on phone, told me that if I paid them {$50.00} a month my debt would go away after 12 months and that was the best they could offer me and that if I didn't accept, it could very well get higher. I askedf they would send that in writing, they said yes and I'd get it in the mail within that month ( couple weeks ) to verify and essentially lock in the agreement. I didn't know I had the option to dispute the amount. I never received a letter with payoff charge or dispute factors. They still call me, every day when I've asked them to not call me between XXXX and without fail, they call me between XXXX daily while I'm at work. My boss pays my cell phone bill. Every time my phone rings at work, he looks at me as if he's going to revoke that amenity. I don't get personal calls during work hours. Only this creditor calls me. And they won't give me any more options anymore. I asked them again about that offer and said they didn't know what I was referring to They won't stop calling during my work hours. I've never been in credit card debt and never knew I could ask for amounts or info on creditors or original amounts. This company didn't offer than info when I asked them when I was very confused about this debt and if it could be settled due to my extreme situation. They were reluctant to offer or settle and I still have yet to see them follow through, when they offered me that {$50.00} a month for 12 months back in XXXX. They also call me on random numbers when I attempted to block their number due to them harassing during work hours. I don't even know who the initial debtor is. Or the original amount.they apparently don't
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my XXXX XXXX over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only TransUnion has updated it. TransUnion updated it XX/XX/XXXX. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX TransUnion has yet to update this for me.
Consumer complaint received 2023-01-08
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. (FL)

Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

This company is harassing me. I have proof of my phone records, today Saturday XXXX 2022 they have called my phone XXXX  times in less than an XXXX  to collect debt. They called at XXXX, XXXX, XXXX, XXXX. If this isnt harassment to collect a debt I dont know what else is.
Consumer complaint received 2022-11-26
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. (PA)

In accordance with the fair Credit Reporting act US Department of EDU # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose
Consumer complaint received 2022-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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
Consumer complaint received 2023-03-14
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-08
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. (PA)

in XX/XX/2022 i received a copy of my consumer report now I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible
Consumer complaint received 2022-11-26
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. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (SC)

I am behind on my loan at XXXX XXXX. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. 

XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2023-01-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I am going through a divorce. I am XXXX percent totally XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I receive {$4100.00} a month in XXXX compensation. My home is in a forbearance and I had to fight with Carrington Mortgage to get this. All of this started aggravating my lupus symptoms and I put the home up for sale, however, I see my soon to be ex-wife has set me up in court not paying anything towards the home but minor repairs and utilities, saved all her money from her job, paid for an attorney, a new car and trying to ask for spousal support. I am trying to get the Veteran Affairs to work with Carrington Mortgage so I can keep my home. I recently got a name change and I tried submitting the documents to Carrington Mortgage, however, they are making it very complicated and discriminating against me to update my name is their systems. I feel as if I am being treat unfair and without dignity.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.
Consumer complaint received 2023-08-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I provided all this information in previous complaints. 

XXXX XXXX XXXX XXXX is a scam. 

I was sold a 'five-year ' policy that I initially rejected. Still, XXXX, on XX/XX/2022 described and showed on a different website that it would apply to my situation ( I am a XXXX XXXX, so most of the provisions did not apply to me ). After reading these fake provisions, I made a purchase of a single policy, which XXXX XXXX XXXX XXXX charged in 2 segments, as XXXX called back and offered to move the 3-year policy to 5 years for an additional {$410.00}. 

When I tried to place a claim for my water heater, they provided a contractor, however, it took the contractor 6 weeks to tell me they would not work with XXXX XXXX because they would not pay them and they would only cover {$500.00} ... but most likely would deny it, as he saw it many times. I called the company with my experiences during these 6 weeks and after, and they showed me the real policy and confirmed what XXXX ( the XXXX ) told me. I told them what XXXX sold me, and they denied it. 

I then asked for a full refund ; they denied it. I asked for a new contractor, as well as submitted 4 new requests for leaks ( which they denied in 30 minutes ). 

I then filed with Bank of America ; this is supposed to be covered as fraud and a breach. It is different than a physical purchase, as this is a 5-year contract and I might not find out the real XXXX XXXX XXXX  until and only if I file a claim. 

Bank of America awarded me {$410.00}, however, XXXX XXXX has not refunded any $ per this date and they have eliminated my account no longer have access to it. 

As they defrauded me with their sales, did not provide service, and will not provide access or service, I require a full refund of {$1100.00} for the contract that was sold fraudulently and they are in breach. 

They never set foot on my property and never provided any service to me ; they are not out of any money ... and per the thousands of consumer complaints, this is the norm for XXXX XXXX XXXX XXXX. 

Bank of America has been lethargic at best ; their 'Special Resolution ' liaison will not talk with me ; I have heard from her less than 3 times in the past 6 months and over XXXX emails, voicemails, and faxes showing the evidence. 

I need help! This should be easy to resolve ; it is why I have a credit card. I need protection from bad actors... I have been a Bank of America executive and client for nearly 20 years.
Consumer complaint received 2023-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : XXXX, XXXX and XXXX. 

XXXX : XXXX XXXX XXXX, XXXX, tx XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list the below : Creditor name : XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Capital one auto, XXXX XXXX XXXX XXXX, XXXX dealer, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, capital one auto, XXXX XXXX, XXXX XXXX XXXX ; l, Capital One, XXXX, XXXX XXXX, XXXXXXXX XXXX  Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.
Consumer complaint received 2022-11-27
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. (NC)

During the Covid 19 Pandemic, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the 623 - 15 U.S.C. 1681s-2 ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the EMS company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.
Consumer complaint received 2022-11-26
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. (NC)

Improper Reporting : I have sent multiple letters to each credit reporting agency, ( Equifax, XXXX, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] EQUIFAX : ( XXXX #. XXXX Reported Balance {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported Balance {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX  XXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX : XXXX XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) VIOLATIONS : 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.

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

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with HIPPA privacy laws. 

EQUIFAX, XXXX, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

These accounts below are reporting inaccurately. They have been reporting inaccurately for the past 4 months. XXXX has did multiple investigations, provided documentation of their investigations, and the accounts are still reporting inaccurately and illegally. By law if there is any discrepancy in accuracy or evidence of inaccuracy the accounts SHALL BE REMOVED by law. 

XXXX : Account number : XXXX is reporting derogatory when the payment history shows its in GOOD STANDING. Needs to be deleted. 

XXXX XXXX  : Account number # XXXX is reporting derogatory when the payment history shows it is in GOOD STANDING. Needs to be deleted. 

XXXX XXXXXXXX XXXX  : Account number XXXX is reporting derogatory when the payment history shows it is in GOOD STANDING. Needs to be deleted.