davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I noticed Nissan on my credit report with a name XXXX XXXX. I contacted them about removing this inaccurate information on my credit report. I explained this was inaccurate, fraud, and requested all legal documentation by law - Any information bearing my signature, contract, etc. I received nothing. Just your responsible. By FTCA section 609 ( b ) validation of debt and proof of signature with original contracts are required to repeatedly reporting these inaccuracies is a crime.I never received any legal information or documents I have requested required by FDCPA or FCRA. I will seek legal action if not immediately handled.
Consumer complaint received 2021-10-27
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. (AL)

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!
Consumer complaint received 2021-10-27
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. (AL)

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (PA)

I recently came across my updated XXXX XXXX report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Received a credit alert that XXXX XXXX XXXX  files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.
Consumer complaint received 2019-09-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which our Chase " dedicated relationship manager '' stated that we needed to submit certain documents to Chase offices by XX/XX/XXXX, which we did. 

Among the documents we submitted to Chase offices by the XX/XX/XXXX deadline were revised RMA application, current pay stubs, employment and income verification letters, and proof of homeowners insurance. We are still waiting for the RMA application process to be reviewed and are working with XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) to resolve this matter. We have worked with all parties in good faith to provide the documentation requested at the earliest possible times. 

On XX/XX/XXXX, we received from our " dedicated relationship manager '' a letter indicating that Chase has " rescheduled '' a foreclosure sale of our property for XX/XX/XXXX. This notice was received without explanation from Chase and without clarification of the status of our submitted RMA application submitted in XX/XX/XXXX. We are stunned that Chase would be so cruel as to treat the victims of Chase 's own failures to abide by CFPB Bulletin XX/XX/XXXX from XX/XX/XXXX with regard to successors in interests in this manner.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Adler Wallach & Associates, Inc. (CA)

On XXXX XXXX AWA CollectIons had marked my credit report with derogatory remarks that this debt was assigned with an attorney ; Ive had challenged this creditor to produce validation of the debt and foresee that the remark As ; serious past due date/ assigned to an attorney, collection agency, or creditor grantor & apos ; s internal collections department is an intimidation attempt to collect a past due debt {$450.00}. 

Ive sent out several request for Validation and Name of Attorney who this company has been brought up and theres no answer to my request. 

I recently challenged XXXX and XXXX and they they attempt to validate this account and found that AWA Collect can not produce validation and deleted it from my credit. 
As the challenges continue with XXXX that say that AWA Collect reported accurate with sending me validation letters to acknowledge these debt. But update their remarks to violate consumer right for equal opportunity. 

As I still have no knowledge of this debt I had no choice to report as fraudulent. Until such documents that Ive requested have been produced. And be able to cancel this debt with a request from 1099c
Consumer complaint received 2021-10-27
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. (FL)

MY NAME IS XXXX XXXX XXXX XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified EXPERIAN that I am a victim of identity theft, and requested that EXPERIAN Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) Im a member of the XXXX data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING EXPERIAN SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020, I, XXXX XXXX pulled my credit report thru XXXX and after I went over I found out XXXX accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus XXXX times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my EXPERIAN and XXXX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from my report.
Consumer complaint received 2021-10-27
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. (NJ)

We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Collection amount of {$360.00} from Midwest Recovery Org. creditor XXXX XXXX not sure what this is for ... I am a current XXXX XXXX XXXX XXXX season pass holder for my daughter who is still at home. 
Had the pass since 2013 over the years and taken kids off as they moved to college.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (RI)

Personal Credit Plan is reporting inaccurate information to XXXX. I contacted them and they claim XXXX  has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on XXXX. XXXX  online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks
Consumer complaint received 2021-10-27
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. (CA)

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bank : # XXXX, XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (GA)

Upon checking my credit report l, there was collection for Collection Bureau of Hudson Valley I requested information to verify the debt from collection agency, they only had my current address. After I researched the original company and I found out this collection is for a cable service in Florida. Ive never lived in Florida. Ive disputed this with the credit bureaus with no success. This debt is not mine, and I can not afford to pay for something that does not belong to me.
Consumer complaint received 2021-10-26
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. (IL)

On XX/XX/21, I reached out to transunion by certified mail to inquire the method of verification for a bankruptcy that is listed on my report. on XX/XX/21, transunion responded with a letter that informed me that the bankruptcy was valid and they have already investigated which is not what I requested from them.
Consumer complaint received 2021-10-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1 : XXXX states that my dispute relates to the exam. FALSE : my dispute relates to the course and poor quality thereof. Refer to the invoice. The exam is {$370.00}. The course is {$740.00}. 
2 : XXXX states that I sat for the exam. FALSE : I did not. Refer to the scheduling email + status of my certificates from XXXX. Emails also attached where XXXX  ( XXXX XXXX XXXX ) + XXXX  are confirming the poor quality. Webpage attached confirming XXXX is the author, with XXXX, of the course. 
FURTHERMORE : I am appalled at the horrible dispute experience : 1 : Only allowing my 3 days to respond ( received the letter today XXXX ; deadline XXXX ) is absurd. 
2 : Not allowing electronic uploads is ridiculous. 
3 : Having to find a fax machine or going to a BOA branch to fax during XXXX is beyond bizarre. 
5 : Having assertive language in the letter on the exhaustive need for documents and the implication that all are required is menacing. 
6 : Having the team that deals with these issues only available XXXX XXXX ET with a 3 day deadline in conjunction with the aforementioned is bizarre. 
7 : The card / account agreement and dispute rules / process are not available anywhere online. 
8 : The call center has a spoken message affirming that dispute documents electronic submittal is available through the online portal. 
9 : The call center staff and managers provide conflicting information and refuse to be of any assistance. 
10 : Not reviewing a merchant response ( I never disputed the exam ) and simply throwing it over the fence with all the aforementioned considered leads me to believe that BOA deliberately throws up barriers to its cardholders to the benefit of merchants in contradiction of BOAs code of ethics and code of conduct.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

They closed my accounts with out my permission After making payments on time I had automatic payments for over 5 years Trying to payoff the remaining balances and CITIBANK HAS REFUSED TO MAKE CONTACT
Consumer complaint received 2021-10-26
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. (IN)

The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.
Consumer complaint received 2021-10-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TN)

I am not owing and can not pay {$1000.00} To XXXX XXXX that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being XXXX XXXX waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to XXXX XXXX before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.
Consumer complaint received 2021-10-26
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. (GA)

I contacted XXXX XXXX  and experian and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-10-26
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. (AZ)

XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX