davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

have received a XXXX XXXX fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to XXXX. XXXX XXXX VIN XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX  XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX XXXX  XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from XXXX, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. XXXX has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours. Incorrect information was given that the loan was confusing because ( 2 ) Statements were sent with a different address and the XXXX XXXX XXXX did not inform the client of the client of the address change. As per the letter from XXXX XXXX, the account was in good standing. The investigation took longer then 30 days and XXXX did not respond to the Law Firm. Letter attached within a timely manner, as a Power of Attorney is not required per the Law Firm.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P. (FL)

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2022-10-05
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Equifax refuses to allow me to access my account at all. I have tried calling and I have tried logging into their website. They're claiming that it is because they can't verify my identity, but I know for a fact that they have added information that isn't even correct to my credit report, so obviously they don't see any need to verify anything. And they made no effort at all to verify my identity when they spoke to me, they just asked me to mail them a copy of my social security card. Not only would this put my personally identifiable information at completely unnecessary risk, but it would accomplish absolutely nothing as I already correctly told them my full name and social security number on the phone. 

XXXX  had no trouble verifying my identity via my name, date of birth, address, etc., there is no reason for Equifax to deny me access to my account.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I neverauthorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$920.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have complained previously about XXXX XXXX  reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.hihc is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX  ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( experian, XXXX, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Consumer complaint received 2021-06-03
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. (TX)

There are three accounts with XXXX XXXX XXXX XXXX ON MY CREDIT. I don't owe these accounts. I contacted XXXX XXXX. They gave me a letter showing that they are indeed paid and they asked all three Bureaus to delete it from my credit file. Equifax is the only bureau that refuse to delete it from my credit. I sent the letter from the agency and the agency asked them to remove the account, yet Equifax continue to report it on my credit
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CT)

On XXXX I posted a payment for XXXX on my account i had a XXXX credit line. the day after I made the payment -- which i made to be able to pay bills and make a large purchase -- they reduced my credit line to XXXX and since there was no notification i proceeded to process the planned payment which put my account over the limit at the XXXX i also can no longer complete and intended purchase. due to the line decrease. The customer service rep stated it is in my terms they can change the limit without notice -- i dont think that is true but the timing of this line decease feels intentional. once they locked in the payment they reduced the line within 24 hrs if i knew this was coming i would have still made a payment but not the XXXX this may be legal it may not but if this was not legit they are not going to tell me.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I mailed a method of verification for several accounts on my credit report for XXXX ( 2 ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/XXXX but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Consumer complaint received 2020-06-10
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: ALLY FINANCIAL INC. (TN)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (VA)

For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

LVNV FUNDING LLC has contacted me through mail stating that I owe LVNV FUNDING LLC. I have never done business with LVNV FUNDING LLC nor signed any contracts obligating me to do business with LVNV FUNDING.
Consumer complaint received 2021-06-03
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. (NY)

I am writing because I been having the same problem with these 3 collection companies and I been telling XXXX and Experian that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of my credit report.
Consumer complaint received 2020-06-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

This claim was closed by XXXX XXXX XXXX along with XXXX -- CFPB claim XXXX. There is no owed debt. XXXX XXXX XXXX is not processing and acknowledges that the debt is not owed. 

Neither party could provide the XXXX XXXX for the phone in question which was never used and returned to XXXX XXXX XXXX
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (MS)

i applied for a penfed credit card..application # XXXX. XXXX hard report pulled fica XXXX penfed requested 2 yrs tax returns for approval. i was not advised of this requirement prior to my application.. i called and requested to cancel my application and remove the hard pull from my XXXX file as it was an errow for their failure to advise me of their policies..i should have been advised of this prior to checking my credit..thank you, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CO)

I gave the landlord 2 months notice of moving out according to the lease. When moving out I paid my balance and was overcharged {$500.00} that they didnt want to refund me until I moved even though they collected. I then called my bank to get my {$500.00} back. This company has tried charge me full rent when I gave them the notice. They also changed the amount that I was owed multiple times. After cleaning the apartment they chose to never check it I took videos and pictures to show how I left the apartment. They were also already having my apartment viewed by potential renters. 6 months after moving out they tried to charge me an additional {$500.00} to then the rent again with many late fees. And kept my deposit.
Consumer complaint received 2023-06-28
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. (GA)

The credit bureau stated my account was properly investigated but how is that possible if the open dates is inaccurate the date last active is inaccurate and date last reported is not accurate. The ground for removal and they also violated my right under 15 USC 1681 section 602 ( a ) states I have the right to privacy 15 USC 1681 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more then 30days days to complete my certificate mail tracking number Account number XXXX Because of stain on my report I have been living with people and unable to get my own home for years now I cant not get a car in my name denied on 4 different occasions and its not fair to be missing out on basic things you need to survive in today world.