davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/2019 DEPT OF EDUCATION / XXXX Reported : XX/XX/2019 DEPT OF EDUCATION / XXXX Reported : XX/XX/2019 XXXX XXXX XXXX   Reported : XX/XX/2019 - {$1800.00} XXXX XXXX XXXX Reported : XX/XX/2019 + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (GA)

In accordance with the fair reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm unaware of this debt and did not receive proper notification. if you believe you have supplied me with the proper notification, please provide the certified receipt with my signature. Also, I looked up the collection agency XXXX, and they are not registered to collect debt in my state. Transunion failed to investigate accurate information twice and I want to know what steps was taking to validate the alleged debt that is tied to me. is there an agreement that grants you authority collect on this alleged debt, or proof acquisition by assignment? What did you pay for this account and how did you calculate the current amount owed?
Consumer complaint received 2019-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (WI)

dynamic recovery solution 's calls me every couple of months asking for XXXX XXXX XXXX XXXX. last 2 calls XX/XX/2019 at XXXX XXXX  and XX/XX/2019 at XXXX XXXX. this is after asking them to stop calling me, I have no debt, why are they calling me? I contacted dynamic recovery solutions, they said they would remove my name. right away I get another call. and they continue to harass me, why is this company getting away with harassing people? 
and why are they calling people with no debt and harassing them? 
they call with no caller id and no phone number, they leave a message saying that by listing to this message I'm confirming that I am XXXX XXXX XXXX XXXX. 
I have recorded phone calls & messages saved from dynamic recovery solutions that documents there harassing calls and texts. something really needs to be done here. 
thank you XXXX
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Filed a dispute With Equifax, XXXX, and XXXX. XXXX removed within 12 hours, XXXX removed after 2 days. Equifax has notified me by E-mail that my dispute has been resolved, but will not grant me access to my report. How is it that I was able to access my report to file the dispute, but not to view after completion of the dispute? If incorrect information is in my report it would be impossible to answer the security questions to their satisfaction. I had this issue with Equifax refusal the provide my report a few years ago and they only relented after threatening them with reporting their flagrant violations of the FCRA. It seems they do not want to provide free reports to anyone .... but if you pay for it they provide it with no delay!
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a complaint that you are reporting inaccurate information. I respectfully request to be provided proof of receiving a billing statement via mail 21 days before my bill was due. Per my records I have always paid these accounts on time and never paid late my rights have also been violated. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is not correctly reporting.
Consumer complaint received 2023-05-12
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. (SC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-12
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. (VA)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-04
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. (NY)

I have disputed a incorrect address with Equifax more than 6 times. I was told more than 6 times it was deleted. When I checked my report on my own, everything I was told by Equifax was not true. There was no deletion about a incorrect address. They would not provide who is the company who reports this fake address of XXXX XXXX XXXX XXXX XXXX NY XXXX. I dispute and they are now coming back verified now by Equifax. The agents are only apologizing about the situation
Consumer complaint received 2019-01-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax. Submitted dispute on suspected fraudulent hard pull. Was notifed by e-mail it was resolved. Followed instructions 3x to pull info on resolution. Gave accurate info and their Q & A section had no relationship to my account. Locked out of resolution due to their incorrect Q & A. XXXX for support, no response, no phone number provided for follow up on lock out, no e mail address provide by Equifax to contact. the companies customer support and systems are very 20th century, restrictive and dead ended..making follow up impossible. Seems deliberate way to frustrate consumers trying to address credit issues Equifa prevents customer from cutting and pasting info so one can not provide you with copy of there displayed pages, also deliberate to make reporting them more difficult.. When using XXXX for same types of issues, very up to date, easy and user friendly.
Consumer complaint received 2023-06-14
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX 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 2020-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

capital one : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about Capital One credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX XXXX  of California, ... 

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Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Transactions on statement XX/XX/XXXX. See attached Transactions XX/XX/XXXX. See attatched Fraud Letter dated XX/XX/XXXX. THE XXXX XXXX CREDITS {$120.00} REVERSED. Kindly note XX/XX/XXXX statements transactions XX/XX/XXXX temp credit of {$120.00} to begin fraud investigation CONFIRMS USAA Reports fraud I DID NOT REPORT SLANDERING. ( rep XXXX XXXX lies ) MY NAME TO CFPB. & CRAs ( USAA ACCUSED ME OF REPORTING FRAUD ON A RETUNED ITEM XXXX XXXX {$120.00}. XX/XX/XXXX ). USAA began a fraud investigation XX/XX/XXXX. Kindly note statement XX/XX/XXXX transactions do NOT SHOW USAA BEGINNING fraud investigation on XXXX XXXX {$120.00} with temp adjustment credits in XXXX OF XXXX THIS SHOWS FRAUD INVESTIGATION BEGAN. XX/XX/XXXX AND WAS REVERSED XX/XX/XXXX XX/XX/XXXX. ** WITHOUT ANY USAA CREDIT APPLIED. USAA LIES AND LIES. THIS IS DEFAMATION AND FRAUDULENT ACTIONS OF REVERSALS. I believe this is done to CREATED CREDIT REVERSALS when USAA gave NO PERMANENT CREDIT.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CA)

On XX/XX/2020 at approximately XXXX XXXX  I was called by phone number XXXX. When I answered the phone line was silent for a moment and went dead. I attempted to call the phone number back and I was put into touch with Radius Global Solutions. When I requested to know why the company was using an  autodialer that was disconnecting calls I was told that they do not use an autodialer. I then asked who called me and why they disconnected the phone line. I was immediately transfered to a supervisor, XXXX, who once again stated they did not use an autodialer. He said I called back the wrong company ; however, my phone record will show the call came from the number I called back. I asked why one of their employees called me before immediately ending the phone call. The supervisor began asking me intrusive questions and when I refused to answer he said that the call was noted as " refusal to authenticate. '' I asked him how me saying " hello '' was refusing to authenticate. He refused to answer and said they would investigate it. Now I fear that if my phone number is in their system the company will continue these harassing and disruptive practices of calling me and hanging up. It is even more concerning that employees are the ones doing this.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (KS)

I spoke with American Honda Finance Corporation numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by American Honda Finance Corporation this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. Honda Financial Services sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by HFS, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XX/XX/XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XX/XX/XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CO)

XXXX XXXX XXXX XXXX XXXX put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
Consumer complaint received 2023-06-14
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. (CA)

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.