davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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)

on XX/XX/2022 I sent a letter to XXXX, Equifax and XXXX credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ). 
and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : XXXX ) Defamationm XXXX ) Negligent enablement of Identity Theft XXXX ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (NM)

Around XXXX on XX/XX/2023 I called conserve debt collectors. I asked for proof of the debt and I was told, " we do not need to send that we are a contractors with the school not a debt buyer ''.
Consumer complaint received 2023-05-25
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance XXXX {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I have an email from Old Navy once I signed up for the credit card on XX/XX/XXXX saying that I will earn XXXX points on all purchases until XX/XX/. However, I'm only earning XXXX points outside of the Old Navy brands. I called up their customer support team but they are forwarding me to someone else repeatedly. I called up the XXXX helpline and at first customer care said I need to speak to Navyist rewards. I called again and got connected with the Barclays folks via the same number (!! ) and they said I need to call up Old Navy at the same number (?! ).
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sunlight Financial LLC (OH)

Sunlight Financial changed biking addresses and my payment checked were cashed but the payments were not credited to my account. Resulting in late fees and XXXX  day late notices on my credit report.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have called and faxed Experian, XXXX, and XXXX about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I reviewed my Consumer Reports and noticed that I had EIGHT late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-12-12
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. (NJ)

on XX/XX/2022 I sent a letter to XXXX, XXXX and Transition credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ). 
and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : 1 ) Defamationm 2 ) Negligent enablement of Identity Theft 3 ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please see ALL attachments of the 3 - bureaus inaccurate reporting errors attached to this complaint. 

for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear XXXX PLEASE TAKE NOTICE : I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX  Account number : XXXX Account status is misleading : showing different information per bureau. 
Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX  XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : US DEPT OF EDXXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
XXXX XXXX. 
Account Name : Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
I did some research about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed. 
XXXX is in violation of 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished deleting the inaccurate accounts. I hope this will be soon. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Debt Collectors International, Inc. (CT)

XXXX XXXX, My name is XXXX XXXX XXXX. I am co-owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing this email in utter shock and disbelief with the trajectory of events that were prompted by XXXX XXXX threads. 
Last XX/XX/XXXX, ( corrected date ) I attended a course in New Jersey. I was in contact with my XXXX representative who no longer works at your company. I was also in contact with XXXX. Prior to going to the course I called both my rep and XXXX to confirm that our account was paid and confirm my enrollment in the course. I was told everything was all set and the account was paid and up to date.I was assured that there was no issue and that I should attend the class as planned. I explicitly expressed that if it were not paid and up to date that I would not attend and that I would perhaps enroll in an upcoming one one in the future. Again, I was reassured and told to go by both XXXX and my rep XXXX XXXX. 
Approximately three months ago I received one email and one phone call stating that we indeed owed {$2000.00} for the class. I expressed my concerns with this finding and contacted XXXX. Again I was told that there was no issue with the account. 
I never heard back from your accounting department again after this. 
Fast forward to today, XX/XX/XXXX, I received numerous phone calls from a collection agency by the name of DCI ( Debt Collection International, XXXX XXXX XXXX, XXXX FL XXXX XXXX ) on behalf of XXXX. Both myself and my business partner have reached out to XXXX and XXXX XXXX ( sp ). We were promised a call back from someone by the name of XXXX XXXX. We never heard back back from anyone at XXXX. Im not sure why such a reputable company would hire a company like DCI. 
Everyone in our office has been severely victimized by these people today including myself. They have made physical threats as well as using XXXX XXXX XXXX hostile, and violent language to me, my business parter, and our office manager. They have called family members of my business partner who have no involvement with XXXX The threats and harassment by DCI representatives XXXX XXXX, XXXX ( would not provide last name ), and another team member ( who would not provide a first or last name ) were so severe that we had to contact our local law enforcement. They also stated that they have our bank information, my medical license, and address. They are also threatening to negatively impact our business via internet bullying. I have provided them with our attorneys name and information at their request. They have yet to contact him. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Consumer complaint received 2023-07-19
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. (TX)

Dear XXXX, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding an unresolved issue on my credit report. There is an invalid inquiry from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit report. I believe this inquiry has been reported inaccurately and is adversely affecting my credit score. 

As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX. 

I hereby request that XXXX conducts a thorough and immediate investigation into the invalid XXXX XXXX inquiry on my credit report. I have attached supporting documentation that clearly proves the invalidity of this inquiry and warrants its removal from my credit profile. 

According to the FCRA guidelines, I understand that XXXX is obligated to complete this investigation within 30 business days from the date of my initial dispute. I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. 

In the event that XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. 

I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX to take this matter seriously and treat it with the urgency and attention it deserves. 

I would appreciate a written acknowledgment of this complaint and a confirmation of the initiation of the investigation within 5 business days of receiving this letter. Please provide me with regular updates on the progress of the investigation until a resolution is reached. 

Thank you for your immediate attention to this matter. I expect that XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-11-09
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

Financed my Audi off lease with Audi Finl in XX/XX/XXXXXXXX  for 72 mths at contractual monthly payment of {$800.00}. Made all payments within 30 day late of due date. During Covid, Audi Finl offered me a 3 mth deferral which I accepted. Resumed payments and never paid late or was ever marked late. Over the course of the 72 mth loan there were accrued Audi Finl internal past 10 day grace period fees, but never a 30 day late and Covid deferral accrued interest. Final payment of {$800.00} was due XX/XX/XXXX and payment was made XX/XX/XXXX ( see proof attached ). There then remained aforementioned, non monthly payment fees and accrued interest remaining for a total of {$1700.00} which I paid XX/XX/XXXX within 30 days of final contractual payment made. All of the contractual {$800.00} payments were made on time. Only the fees and accrued interest remained. Audi Finl marked me 30 and 60 days late for not paying the fees and deferred interest. If anything should not be 60 days due to final amount being paid within 60 days ( final payment due XX/XX/XXXX and made XX/XX/XXXX and accrued interest and fees paid XX/XX/XXXX ) of final payment due.
Consumer complaint received 2022-12-12
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX : {$310.00} ; XXXX XXXX XXXX : {$3200.00}.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

There were two Navy Federal credit cards reported on my credit. I reached out to Navy Federal and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to Navy Federal Credit Union but they didn't remove the account, they said they were not fraud.

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with Navy Federal Credit Union. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my XXXX report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my XXXX report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with Navu Federal Credit Union and I want to maintain that great relationship.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX I opened secured credit card with Citi Bank. Secured means I had to put {$2000.00} deposit on it, which I suppuse to get back once the card transition into regular Diamond Preferred card. As of now - XX/XX/XXXX I haven't received my deposit back. I'm calling twice a month for an update, usually spend XXXX hours on the phone- only to be told they're still investigating and I should get an update soon. With that being said- they're using my money for free since XXXX  years. If I borrowed {$2000.00} from Citi at their current rate for XXXX years - I would have to give back another {$2000.00} by now. So I don't understand why they keep using my money and refuse to give it back.
Consumer complaint received 2023-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I paid this item off on XX/XX/2022. I requested the line of credit to be closed. It never was, and is still on my credit report. I also can not look at any details about the account on my credit report.