davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (NV)

This is my NUMEROUS 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-24
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. (IL)

This is my final attempt to resolve the incomplete and unverifiable accounts on my consumer report before I pursue LITIGATION for DEFAMATION OF CHARACTER. My consumer report is an extension of my character and credit worthiness. Over the past several months I have sent numerous letters to XXXX, XXXX, and EXPERIAN regarding these inaccuracies. These corporations have not been in compliance with the laws of the FCRA. These corporations have not explained what procedures were used to confirm the validity of the accounts that I have previously disputed. I even submitted my FTC report, my identification card ( Drivers License ), personal statement, and I identified the accounts that were inaccurate to block the information resulting in identify theft. Which are the requirements of 15 USC 1681c-2. However, these corporations insisted I did not send in the proper documentation, which is false and misleading. These corporations are not complying with federal law. It appears that these corporations believe that their policies supersedes federal law. I'm demanding that every NEGATIVE ACCOUNT AND ALL INQURIES over 30 days are removed immediately. This not a request. These corporations are causing me harm from reporting false and inaccurate information on my consumer report. The next step will be litigation or damages sustain for DEFAMTION OF CHARACTER. I will not be attaching anymore documentation. I will save my documents for court if the deletions are not made.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-02-24
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-12-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (NC)

I HAVE ATTEMPTED TO CONTACT THIS COMPANY MANY TIMES, BECAUSE THE ORIGINATOR OF THE BILL, HAS WRITTEN IT OFF, BECAUSE ITS A MEDICAL BILL THE HOSPITAL HAS A FINANCIAL AIDE SERVICE FOR CASES LIKE THIS., THE COMPANY/HOSPITAL OFFERED, FINANCIAL ASSISTANCE AND I ACCEPTED TO CLOSE THIS ACCOUNT BUT THE COLLECTION DEPT KEEPS CALLING ME WHEN I FOUND OUT THAT THE CREDIT CONTROL COMPANY IS SUPPOSE TO WRITE MOST OI AS WELL AS THE OTHER COMPANY. THE SAME IS TRUE WITH XXXX XXXX  OF XXXX NC. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2020-03-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX XXXX policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-03-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX XXXX policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tesla, Inc. (CA)

Tesla Energy Inc was contracted to install a solar system and powerwall in XX/XX/XXXX. This was installed in XX/XX/XXXX after multiple reschedules. To this date, they've had 2 failed inspections and have made zero attempts at keeping me in the loop on their progress towards a completed and approved project. Since XXXX, they have made weekly phone calls to collect debt because they marked the project complete in the system. In fact, they marked the project complete in the system in advance of the first inspection. I have verified with the XXXX county inspector these facts and he has not received any updates or progress towards a signed system.
Consumer complaint received 2020-03-05
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: BARCLAYS BANK DELAWARE (GA)

I submitted a balance transfer to my XXXX card for {$20000.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the balance to transfer cash to me. They added several charges to XXXX, XXXX, etc. There were also foreign fees added by Barclays. A  payment of {$21000.00} made on XX/XX/XXXX. They payment was later reversed that resulted in high interest payment and other fees added by Barclays. I called XXXX XXXX on XX/XX/XXXX and they are investigating.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.
Consumer complaint received 2022-12-24
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. (IL)

This is my final attempt to resolve the incomplete and unverifiable accounts on my consumer report before I pursue LITIGATION for DEFAMATION OF CHARACTER. My consumer report is an extension of my character and credit worthiness. Over the past several months I have sent numerous letters to EQUIFAX, XXXX, and XXXX regarding these inaccuracies. These corporations have not been in compliance with the laws of the FCRA. These corporations have not explained what procedures were used to confirm the validity of the accounts that I have previously disputed. I even submitted my FTC report, my identification card ( Drivers License ), personal statement, and I identified the accounts that were inaccurate to block the information resulting in identify theft. Which are the requirements of 15 USC 1681c-2. However, these corporations insisted I did not send in the proper documentation, which is false and misleading. These corporations are not complying with federal law. It appears that these corporations believe that their policies supersedes federal law. I'm demanding that every NEGATIVE ACCOUNT AND ALL INQURIES over 30 days are removed immediately. This not a request. These corporations are causing me harm from reporting false and inaccurate information on my consumer report. The next step will be litigation or damages sustain for DEFAMTION OF CHARACTER. I will not be attaching anymore documentation. I will save my documents for court if the deletions are not made.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for validation of debt for the attached accounts. I have not been provided the original contracts nor any document stating these account are mine and should have been sold.
Consumer complaint received 2020-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I settled/paid the ATTACHED account with XXXX XXXX XXXX XXXX ( XXXX  ). Some months ago, I disputed this account, to verify all account information, with Equifax Credit Reporting Agency. I have not received the results of this dispute..In fact, it still shows in COMMENTS, " CONSUMER DISPUTES THIS ACCOUNT INFORMATION ''. Because of this COMMENT, I am blocked from disputing it again directly through Equifax.
Consumer complaint received 2020-03-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc. (ME)

On XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) contacted acquaintances telling them I was being audited then when I called XXXX I was threatened with police action, they told me they know where I lived and what I drive and  confirmed that with announcing my address, make, model and registration of my car. 

When I asked to speak to a manger Miss XXXX at extension XXXX yelled and hung up. When I called back to talk to a manager Mr.XXXX XXXX at XXXX also refused to give me a name, yelled and hung up. 


It is frightening these people know so much and threaten people coming to my home.
Consumer complaint received 2020-03-04
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: BARCLAYS BANK DELAWARE (VA)

I received in the mail an unsolicited and unwanted credit card, apparently affiliated with a timeshare. I did not activate the card. 
I was shocked to subsequently receive a billing statement in XXXX albeit with XXXX  due amount. I called the company to ascertain what exactly happened. I notified the company, Barclay bank that I neither was informed of any credit card application ; nor authorized ; nor signed any application. 
I spoke to five different employees, one twice ( XXXX ) in Customer Service, Fraud, and a Supervisor. I was appalled to learn Barclays perspective - that the timeshare company ( Wyndham  ) has the opinion I authorized the card. 
Not only have I received negative impact to my credit score by issuing this card fraudulently, cancelling it becomes another adverse credit event. This is unacceptable, and I seek your assistance to rectify this atrocious conduct.
Consumer complaint received 2022-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hard Inquires were not made to my credit report that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I would check my account before going in a store and itll say I have the appropriate funds. If its on a Friday, by Tuesday Im hit with MULTIPLE overdrafts. 

Income tax time, if youre depositing a check, it takes up to 21 days for your funds to become available
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this matter immediately. 
XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NJ)

A fraudulent account with XXXX XXXX XXXX was opened in my name on XX/XX/2024 totaling over {$2000.00}, and send to The billing address associated with the account is XXXX XXXX XXXX, XXXX, NJ which does not exist.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (GA)

I have sent everything that The Money Source has asked for and they have essentially refused to look at the information they requested. They will not take a payment unless I have the entire amount. Since starting this process in XXXX I have the feeling that they want the house back and I have no where to go.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

Not only did they fail to file my disputes when I submitted them they have been extremely rude and volatile towards me. I called back to check them and that's when I had to resubmit them and they denied them. These charges were blatantly fraudulent. Ordering pizzas in other states and using XXXX pay to someone I don't know. I've spent hours upon hours on hold and speaking with incompetent employees that all give me different answers. I've escalated these charges 3 or 4 times without any investigator calling me to make a determination. Today I found out they closed my escalations because I have failed to provide any more information regarding these charges. Unbelievable ... .How can a company exist with such unethical practices. Not only exist but represents our government assistance. I've never been treated so terribly by a company that is supposed to represent me and my interests. I was the one stolen from and now they've turned their backs on me without my voice being heard. I don't have the exact information in front of me of the dates and amounts but I know 3 pizza deliveries in other states at the end of XXXX I think, a XXXX pay to someone I don't know, and others which I would be happy to gather the information necessary to complete this.