davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (AL)

I have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.
Consumer complaint received 2019-11-29
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. (TN)

I am writing this due to non-compliance with the ( Equifax  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Called Capitol One Auto Finance for assistance with a deferment and it has been denied multiple times. Requested a call back from upper management. Supervisor/manager called 5 minutes before the end of the business day. Tried calling back, but with ALL the ad 's capital one Auto Finance has it was impossible to get to someone. Left a message for the same Supervisor/Manager. But never heard back from her. The reason that I need an extension/deferment for the month is to get back on track with payments. But what Capital One Auto Finance is doing is charging more interest, & late fees. Capital One office of the president girl I spoke with on XX/XX/2019 was NOT trying to help in any way. The only thing she said was " the account is new, and we can not do anything for you " capital one changed it's policy, so we do not give any help when a life event happens. It is very difficult for some to get an extension ... I am very disappointed with this auto finance. The only thing this company wants is to collect fees, interest and hit my credit month to month, nothing else. I'm going to make sure that I post my story on social media, so that other people that get approved for Capital One Auto Finance don't sign a contract with them ... this Auto Finance is the worse company I have to deal with!!!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Despite multiple attempts to rectify this matter, the problem persists, causing significant inconvenience and distress. I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. 

Failure to address this complaint satisfactorily may compel me to explore alternative options, including legal recourse and severing my ties with your organization. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (CT)

Lockhart and Morris have been trying to collect a debt for CDL training that was never complete. I kicked out of the school. I never graduated from XXXX XXXX I graduated from XXXX XXXXXX/XX/XXXX school in Massachusetts. So I do not owe Lockhart and Morris nor XXXX XXXX. And I've been threatened with derogatory and marks all my credit report if I don't pay it's that that I don't owe to Lockhart and Morris.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-01
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. (MI)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law (NY)

-In XXXX an Outpatient procedure was performed. This procedure resulted in having to be resuscitated, 5 days XXXX  and XXXX XXXX XXXX 
-in XXXX received a Civil Order at my mother 's home ( XXXX miles from procedure ) for $ XXXXThis Civil judgement was paid to my mother 's county for this XXXX XXXX. 
XXXX days after this payment was made & I returned to work an Income execution was sent to my employer, from the original county of procedure for {$1600.00}. ( for XXXX XXXX ) -In 15` my XXXX XXXX XXXXXXXX Acct XXXX was seized for {$3500.00}. ( for XXXX XXXX ) At this time I contacted my XXXX dept. and was informed this Attorney office was in violation of procedure due to the Retirement Acct. monies were exempt from XXXX to satisfy judgement. No response was given from firm. XXXX sent this firm the monies they requested and released the remaining funds to me. 
XXXX XXXX of XXXX my mother passed away. XXXX my mother received an Informational Subpoena regarding information regarding me ( The Debtor ) for {$2200.00} for XXXX XXXX. 
-It took me almost 2 weeks to get a hold of this Attorney, who stated that this amount is still owed due to taxes, fees and interest from XXXX, that remain unpaid for XXXX XXXX. 
- Attorney asked why my mother had not returned the forms. I informed the attorney that my mother was deceased. He stated, " sorry for your loss, though I do have XXXX XXXX. to come after you for this debt, XXXX more years to go, chuckles '' hangs up.
Consumer complaint received 2023-07-01
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Enclosed is what XXXX last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called XXXX  and they won't update balance. I filed a dispute with all three bureaus but XXXX  claims my balance is XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-16
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. (MO)

I hope this letter finds you well. I am writing to express my frustration regarding the numerous attempts made to remove late closed accounts from my record. 

To my disappointment, despite multiple attempts and assurances from your representatives, the late closed accounts remain unresolved. Each attempt to address this issue has been met with delays, misinformation, and ultimately, no resolution. This prolonged and ineffective process has not only caused undue stress but has also significantly impacted my financial opportunities. 

As a valued customer, I expected a more proactive and efficient response from your company in addressing this matter. The failure to promptly rectify the late closed accounts has not only affected my creditworthiness but has also diminished my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the late closed accounts from my record without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial hardships and stress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-03-16
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. (FL)

XXXX, Equifax, XXXX Last 4 social:XXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX .and accordance with the fair credit act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-10-03
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. (CA)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This account should be closed with all negative payment removed. XXXXXXXX XXXX was found guilty of using predatory lending and recruitment practices through the XXXX XXXX XXXX. 

Before the judgement was made I set up an auto-debit with this institution but they continue to report my account past due and will not place it into good standing. 

I also was never notified of any late payments, this innacurate information is only reported to the credit bureaus and they have refused to remove the late payments or report the accurate status of my account. It is even reported in the 'Notes ' section of my credit report that I was on a payment plan but they still report my account as past due.
Consumer complaint received 2023-07-01
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. (MI)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done 2nd attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove these items from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX / XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-07-01
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}.
Consumer complaint received 2023-05-23
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE OF XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2024-03-16
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. (GA)

Today, I am uploading this immediate follow-up to address an ongoing issue of being victimized by fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies are mandated to eliminate any items delineated in an identity theft report, bearing reference number XXXX. Enclosed are documents aimed at facilitating the removal of incorrect personal information and inquiries erroneously recorded on my report. Below is an inventory of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to remove any items from a consumer 's file that the consumer identifies as resulting from alleged fraudulent activity, no later than 4 business days following receipt of such a claim.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (PA)

On XX/XX/, I had a hard inquiry on my credit report from One Main and then another from XXXX XXXX XXXX on XXXX ( today ). 

I contacted One Main immediately and was forwarded a link to dispute it, which I promptly filled out with all the requested information. I then received a mailed packet of the same information, which I again filled out. I have not received further communication from them. 

XXXX immediately stopped the inquiry today and said they would handle it within XXXX hours. 

I contacted XXXX, who said they would remove it from my account. I called XXXX, who I need to send in this report and multiple pieces of documentation.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've just received my credit profile and noticed unauthorized items that shouldnt on my credit report. These have been rough times during these terrible outbreaks from the covid 19 pandemic
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks TOYOTA MOTOR XXXX, XXXX, XXXX, XX/XX/XXXX - XXXX & XX/XX/XXXX XXXX