davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (NE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Im disputing XXXX XXXX they have reported a payment as late I wasn't late XX/XX/2019 I closed this account a few years ago it is paid as XXXX balance owed the late payment is inaccurate I have already asked them to remove it in the past and they haven't abided and they violated my consumer law because they never gave me the option to opt out from reporting this information to a third party which is a privacy violation I have never been late please update to show no payment late thank you
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NC)

I purchased My vehicle XX/XX/XXXX from US auto sales in XXXX, North Carolina. From the start, I noticed something was wrong after making my last {$500.00} dollar down payment from XX/XX/XXXX til XXXX XXXX XXXXXXXX when I purchased a car, the manager XXXX told me I only will be making three down payments of {$500.00} and then {$240.00} per month, thats included with the warranty that I purchased with the car. They have one price on the paper. After signing everything in XXXX. They switched up the paperwork and information on my account from {$8000.00} to {$25000.00} on this used XXXX XXXX XXXX with XXXX miles on it. They basically selling me a brand-new car. When I called and asked about it, they sent me new paperwork with the new information on it from that time to today. I have been disputing and complaining about the complaints with everybody that I cant answer they recently just XXXX all 39 car lots down. So as a customer we have a number or are we can do is make payments on these lemons but no one to speak to about our accounts thats suspicious. We should always be able to talk to somebody even the bank that our loan is through. So at some point the time they sit down and sold our accounts to this new place called XXXX XXXX XXXX XXXX. Again, I called them to make a payment. No one ever answered the phone, but its the XXXX  by your account. After putting in my account info I dont know be changed anything or white or if they even fit white were supposed to be getting fit before they shut the car dealership down and thats our car loans which were fraudulently written. Every time I called this new place they cant find my account so I can make my car payment so they have advice on my car where they turn it off until a payment is made. I have not been able to drive my car in three weeks because they cant find my account, they seem very suspicious as well if somebody needs to investigate because there is no reason customers cant reach a physical person over the phone to talk to us about our accounts or something. They actually are a debit collector, not even a bank so they hang up on us if they even answer the phone. In addition, none of my paperwork has an account number on it I just have a policy number. On top of all this, the warranty that I have on my car is not even valid with the original company For some reason but its not expired until XXXX. So why cant I use my warranty to get my car fixed this new place XXXX XXXX XXXX wont even pick up the phone for me to talk to them about that my engine is blown somehow, and they wont answer the phones for to give me the number to the new warranty place.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1900.00} Reported balance I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I was supposed to get my middle class refund loaded to the card. XXXX XXXX XXXX said they authorized the deposit in XX/XX/XXXX, card was issued but never received. Tried multiple times to speak with someone, but can not get through automated system. Auto recording said to call back XX/XX/XXXX to report stolen. I mailed a letter in mid XX/XX/XXXX to the address above asking that a new card be issued, I have yet to receive a reply. Today XX/XX/XXXX I called to report stolen and can not get through their auto recorder because it keeps saying I need a card number to speak with a live person. My address is correct and have received all other correspondence from the XXXX XXXX XXXX EXEPT the card.
Consumer complaint received 2023-07-12
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-07-30
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. (FL)

THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2023-07-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Collection Agency Account Number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-18
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. (NY)

ive sent experian these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 

XXXX XXXX XXXX Account number # XXXX XXXX. XXXX Account number # XXXX
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I was notified in XX/XX/2019 that I had a collections account for {$5800.00} from LVNV Funding LLC. I reached out to the collections company but they are unable to tell me who the original debtor is. For both them and I it shows as XXXX XXXX XXXX. I have never had any contact or account with XXXX XXXX XXXX before this. When I contacted the bank they stated I would have to get my information from LVNV Funding LLC. They have given me the run around but it has resulted in nothing in the last 2 years.
Consumer complaint received 2023-07-05
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. (NJ)

XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, Equifax Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that Equifax takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. To support my dispute, I have included the following relevant details : Creditor Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account
Consumer complaint received 2023-05-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

On XXXX XX/XX/XXXX a XXXX resort mortgage loan was taken out in my name. During this time I was on a military mission in XXXX XXXX, XXXX XXXX. I contacted XXXX and let them know there was no way I started this loan due to the fact I was on military mission out of the country. They stated they had a copy of a signed contract and they talk to me on the phone on XXXX XX/XX/XXXX and I asked them to send a copy of the contract to my grandmother and she would send it to me. the signature on the contract was not mine. The address on the contract was incorrect and there was no way for them to get in contact with me because I only had XXXX in XXXX. I explained all this information to XXXX on XXXX XX/XX/XXXX, and I have not received a response yet. I have put a fraud alert on my credit account and attempted to file a police report locally. 

On another XXXX account, the company is showing my ex-husband paid for the account off on his credit but its showing I owe on mine. I called the XXXX to resolve this issue and the representative XXXX XXXX stated there was Nothing he could do, and I needed to pay XXXX to do a deed in XXXX of Foreclosure If I want to close the account. 

I also completed disputes for both accounts with Experian on XXXX XX/XX/XXXX and on XXXX XXXX Experian closed the dispute claiming the account was Verified by the debt company.
Consumer complaint received 2023-07-05
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. (TX)

I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter dated XX/XX/23 that two of my Chase credit cards are being closed for unexpected activity. Upon receiving this letter I called Chase immediately to try to understand why this is happening but they refused to disclose anything to me. At this point, I am left clueless and afraid about whether they intend to close my chase bank account or whether this will affect me or my family in any way. All Im asking is for a legitimate reason and I am not entitled to XXXX. This is a deliberate abuse of their power as a financial institution. They accuse, prosecute, and condemn without any recourse or transparency. If you could help in any way, it would be greatly appreciated. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-07-05
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. (TN)

I WAS LOOKING OVER MY CREDIT REPORT TO BUY A NEW HOME WHEN I SEEN SOME ACCOUNTS LISTED ON MY REPORT THAT I NEVER DID BUSINESS WITH THESE ACCOUNTS ARE HURTING MY CREDIT AND WAY OF LIFE AND I WANT THEM REMOVE.
Consumer complaint received 2023-07-05
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. (CA)

Consumer attempted to resolve this previously but consumer reporting agency aren't in compliance. EQUIFAX by law had 4 days to remove accounts relating to identity theft. EQUIFAX must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX XXXX is an account showing on consumer report is in violation of consumer rights including section 5 of the FTCA as well as the FDCPA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and complaints with other regulatory agencies. 

Consumer has in possession proof of claim needed for lawsuit against EQUIFAX for not complying. Consumer has the right to seek remedy on invalidated and inaccurate fraudulent information effecting consumer right to do business in commerce.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MS)

When I purchased furniture from Ashleys XXXX XXXX in XXXX Mississippi on XX/XX/2022, the store clerk incorrectly entered my information from my paperwork and instead put the details for my mother, XXXX XXXX ( not XXXX XXXX as her account information shows ) who already had an Ashleys account and bought something the same day. I noticed the error and asked the clerk to correct the details. Somehow, the error remained, and it has caused a massive amount of trouble for me and her. 

The furniture was not delivered for several weeks until XX/XX/XXXX, because the delivery address was to my mothers home in XXXX, Mississippi and not my own in XXXX, Mississippi, and the contact number was her cell phone instead of my own. I called Ashleys to discuss the correct delivery address and they were unable to fix it. I offered to pick it up from the store instead and they were unable to change the delivery method. I suppose the person I spoke to corrected the delivery address because my mother started receiving texts asking when to deliver the furniture to my correct address, and she ( luckily for me ) filled it out so that it would be sent to my home. This issue was a multi-week stressor and I was happy to have it behind me. My mother, my spouse and I thought the sole issue was the delivery address and contact information, but that was not the case. 

My mother, XXXX XXXX received a credit card from Ashleys XXXX XXXX  for which she did not apply. We realized that her information must have been used instead of mine for the purchase, despite my correction at the store. I called the Ashleys store and was told they could not help ; I called XXXX XXXX  and was told they did not hold my account ; I spoke with someone at Synchrony who said that it was her name and contact information with my social security number, they could not fix the problem over the phone, and I would have to send a letter to Synchrony explaining the issue. I immediately sent such a letter. 

I tried to pay the minimum fee online but was unable to because I did not have the account number, because the only documentation I had was from the store on the day of the purchase. I eventually, in XXXX, received a bill with the account number and was able to pay the first balance, with accrued late fees. 

wrote two letters to Synchrony explaining the issue. The first received a nonresponsive letter and I received no response from the second. I sent them copies of the sales order, delivery ticket, letter from Customer Service Department, and credit card
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more
Consumer complaint received 2023-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

Crown Assets Management, LLC, has been trying to collect on a debt that has been discharged. I have requested such as how much did they purchase the debt for? a copy of the original application? Purchase agreement. Copies of all receipts. If the information was not sent to me, I ask that they cease and desist. All of my request were certified mail, XX/XX/2023, and XX/XX/2023. I did not receive a response from them. XX/XX/2023, informing me they were hired to represent XXXX XXXX XXXX XXXX account, now owned by Crown Asset Management , LLC, for a past due bal. of XXXX. We are mindful of the tough economic times that many people have realized in recent years On XX/XX/2023, I received an e-mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX, giving me OPTION XXXX : A discount one-time payment for full and final settlement of the account. XXXX. Option XXXX : Payment plan an affordable monthly payment. Any and all information I have requested has been ignored.
Consumer complaint received 2023-06-29
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.