davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (AL)

On XXXX XXXX, I found some accounts that didn't belong to me with Equifax, so I disputed the accounts, and they came back verified as mines .So I requested a verification method to determine how the credit bureau verified this false information as correct. Instead of conducting a proper investigation, the company didn't follow the correct procedure and claimed the items came back verified.
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent out a letter to Equifax and XXXX  disputing items on my report that I did not recognize. It has been more then 30 days and they haven't complied with their own policies within a timely manner.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

I have student loans for XXXX and US Department of Education. The loan has been forgiven as per required for 100 % XXXX veteran. I had it removed and it came back on my credit report all 3 of them. Please remove and KEEP OFF I have done this several times over and over and it has created financial hardships at various and multiple times. The debt was forgiven in late XX/XX/XXXX. Please remove and keep off my credit report in the future. I have submitted all documents in the past proving that debt has been closed and that I have been awarded since XX/XX/XXXX. Please reflect all dates back to that date also. Thank you, I hope this will give me the freedom to finally use my VA home loan and purchase my 1st home ever instead of renting my whole life because of credit issues with " Student Loans ''.
Consumer complaint received 2021-07-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$250.00}, {$600.00}, {$500.00}, {$500.00}, {$300.00}, {$310.00}, {$3100.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$250.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$310.00} -This is not my account. 


-- PERSONAL LOANS 7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$600.00} -This is not my account.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (OK)

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

XXXX XXXX charged my credit card for XXXX. 
Discovery send code to verify purchase to my old phone number which I change XX/XX/2019. 
I sent Discovery Fraud my XXXX phone records to show them They response after their in gestation my phone my number and said if I get more proof send it to them. 
HOW MUCH MORE PROOF DO YOU NEED.Phone records are good enough Police case number District Attonery XX/XX/XXXXFTC case number
Consumer complaint received 2021-07-12
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. (OK)

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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: ENCORE CAPITAL GROUP INC. (MA)

-Midland Credit Management I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (PA)

There has been an issue with Hyundai Finance and local customers. When a customer leases a car through them and a total loss happens, when the value of the car is less than what is owed, GAP comes into play. When the market value is more ( which is happening recently ) than what is owed on the contract, they say it's just their practice to take the whole current value and not return what is due to the customer. Insurance even stated that this should not be occurring. Our legal contract says that the standard formula will be used to calculate the value which uses the difference between current market value and residual value of the vehicle based on what is remaining in payments and payoff of car at term. When I went to the sales office in XXXX yesterday ( XXXX ) to speak to the finance XXXX, he said their actions were wrong and he has heard that Hyundai Finance has been doing this recently to consumers in the area. In fact, he had specific occurrences of customers that they did this to including a XXXX employee. What are the next steps in having this investigated? 

I've attached the contract where it states in # XXXX that in the case of a total loss, that the standard formula will be used to calculate the value owed on car. This is listed in # XXXX. XXXX has decided to capitalize on the current market and punish the consumer which my contract does not state can happen. When speaking to the financial XXXX, XXXX, on XX/XX/ after a month of calling and awaiting a return call, she states that this is just their standard practice and she could not find any lingo in the contract stating this was acceptable. They violated my contract on the car.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (AZ)

On XXXX, 2021 I became aware of the fact that Experian unilaterally dropped my credit score by 25 points ( from XXXX to XXXX ). I called their so-called help line to find out why. They refused to answer any of my questions using the dodge that I had to hire a outside credit advisor. My credit score aXXXX XXXX is XXXX, at XXXX, XXXX. 

I have no credit card debt, no auto loan and the only debt I have is a very manageable mortgage payment. Nothing has changed as I've had no debt other than my mortgage for the last three years. I have a stable comfortable retirement income The Experian rep suggested that it " might '' be because I don't have any credit card debt and suggested I carry debt!! This begs the question as I've had no credit card debt for three years and out of the blue it becomes a problem? 

How can Experian penalize me for prudently managing my financial affairs?
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (OH)

DRS showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.
Consumer complaint received 2024-03-25
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. (MA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-07-11
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. (IL)

On XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my credit report when I paid cash for an item. My credit report stated that it will be removed on XX/XX/XXXX. On XX/XX/XXXX my score was increased at the Other agencies by 20 points. However Experian reported false information and instead of increasing my score by 24 points they decreased it by 24 points. This credit check attached is proof of what they did. This was my score as of XX/XX/2021 XXXX. My account shows no open accounts or inquiries made within those 30 days so my score should have increased instead they stole 24 points when they should have increase it by 24 points as the other 2 agencies did. Suddenly my score was decreased to XXXX for no reason. My score was supposed to go up another 24 points as it did at the other two agencies. Experian reported false information on my report.
Consumer complaint received 2021-04-20
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)

An e-OSCAR XXXX was sent by XXXX ( XXXX XXXX ) to Equifax to delete a line item off my credit report. The XXXX No. XXXX. 

This was sent on XX/XX/2021 and XXXX states that sent this to Equifax and Equifax did not delete the line on my credit report. This is very important and has been an ongoing issue for months now. XXXX XXXX has stated numerous times that they want this removed per the XXXX above. 

Please investigate ASAP as this is been an ongoing issue that is preventing me from closing on my house. The use of e-OSCAR is supposed to prevent delays such as these, but it seems to have fallen through the cracks. I have filed a XXXX complaint in the hopes of getting things moving in the right direction as well. I would love to just have this removed per the request of the data furnisher ( XXXX ) as the other credit reporting agencies have already done.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunset Management, Inc (SC)

Sunset Finance sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, Sunset Finance used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that Sunset Finance reported my account as a delinquency of 60 plus days to XXXX. I disputed the information with XXXX  and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Since XXXX of 2021 I have submitted numerous Letters to Equifax, XXXX  and XXXX  in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.
Consumer complaint received 2021-07-12
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: Mountain Run Solutions, LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-20
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. (NV)

I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.
Consumer complaint received 2024-03-25
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. (WV)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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