davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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)

In XXXX I wrote Transunion a letter questioning their verification practices and accuracy. They responded to the letter on XX/XX/XXXX File # XXXX stating the bankruptcy was verified and they provided a address, and phone number. I questioned the validity of their response because the phone number they provided is a XXXX California phone number and the address they provided is a XXXX California address. The phone # provided does NOT connect to a court located in XXXX California. I then sent them a follow up letter on XX/XX/XXXX asking them to verify the clerk 's name they spoke with and the documentation used to verify the dispute. I never received a response back to that letter that was sent on XX/XX/XXXX.
Consumer complaint received 2023-11-09
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. (DE)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I demand the following accounts be verified or removed immediately. 


Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX  Opened XXXX {$7200.00}
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-05
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. (NC)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-10
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. (CA)

RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.
Consumer complaint received 2022-12-09
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. (NV)

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 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. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

After three years of XXXX and many problem merchants, I have reconciled my statements and confused with constant rebilling ( original transaction ) along with Purchase adjustment ( Credit for transaction ) I sent XXXX packages thru XXXX XXXX to XXXX, my luck all three packages lost and I asked XXXX XXXX Capital One for delivery receipts and I have NOT received any documentation to date of lost packages or acceptance by XXXX XX/XX/XXXX Statement XX/XX/XXXX Purchase Adjustment ( airline tickets ) ( {$200.00} ) XX/XX/XXXX Transaction Rebill XXXX I read this to mean no credit for this purchase XX/XX/XXXX Statement XX/XX/XXXX {$29.00} XX/XX/XXXX Transaction Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$29.00} ) XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX ( {$28.00} ) Thus it appears there was not a credit for both {$29.00} and {$28.00} (! ) XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX {$85.00} ( XXXX XXXX package sent ) XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) Thus above transaction was paid and no credit given as requested XX/XX/XXXX Statement Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX {$64.00} XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) The above clearly shows a credit of {$64.00} XXXX Statement XXXX Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) XX/XX/XXXX XX/XX/XXXX {$85.00} XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) The above clearly shows a credit of {$85.00} Please clearly explain the process of rebill ( original transaction purchase (? ) ) and Purchase Adjustment ( credit? ) Why the many rebills which is very confusing and adding vagueness to understanding the monthly statements.

I hope afeter three years of COVID we can resolve all this and move on
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT CREDIT CARDS UNDER MY NAME. THESE ARE FRAUDULENT ACCOUNTS. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (FL)

My cards were shut down for absolutely no reason, Im a bartender and I tend to use my credit cards and then pay them off after a weeks work, I have XXXX and i like to pay off my cards, i was never once late with Aspire Credit Card I had a XXXX limit and XXXX limit. I went to gamble one night and took out a few cash advances and then went to work the next day and paid it off! The next day they took my payment and shut off my credit card. I called and they said it was considered fraudulent purchases, i explained what i did for a living and asked how could I prove I was the rightful owner of the credit card, they said I should learn to follow the rules and regulations and if I could pay off my card like that, then I obviously didnt need a credit card, i said I do, im trying to get my credit fixed and this would ruin my XXXX score, i was told that wasnt their problem, the account was closed and I was hung up on, 2 days later I got a notification that my aspire accounts were closed and my credit dropped XXXX points. This apparently happens a lot with this company and its not fair. Ive worked very hard and how can someone just mess with my credit like that. On top of everything, after I paid them off they refunded me XXXX annual fee, however its a charge, not a credit so now I owe them XXXX on my closed account. This is very frustrating, we are struggling and relied on this credit card. Is there anything I can do
Consumer complaint received 2023-09-04
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. (PA)

I am a victim of identity theft. XXXX XXXX  Account # XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to my credit report. I demand the account be remove from my credit.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2021-01-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC (MI)

My name is XXXX XXXX XXXX # XXXX XXXX. I refinanced a mortgage through eMortgage LLC based out of XXXX MI. when i started my loan they told me that they would take care of the appraisal cost of my loan. On closing day my loan officer told me that he would have his company write a check the following Monday. He said this after I question why the appraisal cost was still on the loan documents. I asked if there was anything I needed to do to remind him or to make sure it happened that Monday. He said no. I waited over a week and asked him if they had sent the check and he said no, because they hadn't been paid for closing the loan yet. I waited a few weeks later and he pretty much ignored my texts and calls. finally I reached out by text informing him that I would be filling a formal complaint with Consumer Finance and XXXX if he didn't make it right. He reached out immediately saying give me a little time. He said he would probably have to pay for it out of his pocket once he got paid and his supervisor did not want to pay it now. He said he got paid on the XX/XX/XXXX. I asked that he reach out to me on or before that date to let me know if his intentions were still good. He said he would, but due to this complaint he has not done so.
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (GA)

I called to make a payment towards the principle of the loan.

I was advised that principle payments MUST be made via check or money order, in person or through the mail.

I complied. I sent money orders but on more than one occasion

USPS stated the money order was delivered but One Main Financial did not apply the payment to my account. I had to call to follow up. Each time the person stated she just received the mail but I told her it said delivered the day ( s ) before. Upset by the inconsistency I called One Main Financial customer service line NOT the branch. I made a payment towards the principle. No problems the payment was taken and applied to the principle.
I called two more times to make principle only payments but

these time the payments were applied to interest. I called both times to get the payment applied correctly. The first call was fine. I advised of the error the rep took steps to move the payment. I was directed to call the customer service as they made the error they should fix it. I called customer service the representative advised me that the payment was made to the principle. I told her that was not true. She transferred me to another rep in branch. That rep advised me that she wasnt going to do this every month. And that I was told that I must mail the payment or take the payment to the office. I told her everything listed above. The fact that I would have to follow up to make sure they applied the payment and the impracticality of me dropping off a payment. She refused to accept responsibility. She mean and unhelpful. I asked her who is her governing body. She did not answer. I asked who does One Main Financial answer to. She never supplied the I info. To make matters worse One Main Financial reported an increase to my balance owed causing a significant drop in credit score. Im actively disputing the info.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (TX)

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 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NV)

U.s. code $ 1666b timing of payment A creditor may not treat a payment on a credit card account under any open or consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titlw is mailed or delivered to the consumer not later than 21 days before the payment due date... the acxount came back verified 611-15 u.s.c {$1600.00}