davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Equifax not following the laws I have provided a police report and the items are still listed on my credit report XXXX/XXXX  XXXX, XXXX XXXX , XXXX - CARD SERVICE
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (LA)

I have 2 charges that were made on my account early morning for XXXX and the other was for XXXX that was not made by me. I had to work that day I work of XX/XX/2019. I have recently sent information to the cfbp to informed them that my account was now closed due to the multiple times trying to recover the amounts on the account. Attached is a copy of my schedule in which I was working when the transactions took place and also in the previous case XXXX I had sent a police report showing the events that took place. 

please review my old case as well because both of them go together
Consumer complaint received 2022-11-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Its been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. BY LAW THEY HAVE 30 DAYS! 

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 15 USC 1681. 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 2020-04-03
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)

I have disputed the accounts below several times with you to no avail. 
Please mark each account below as being disputed XXXX  and XXXX  investigated the following accounts below and have decided to delete the account from my credit report. Please do the same as per the Fcra rules and regulations with regards to uneven reporting among the credit agencies XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to 15 U.S.C. 1681i  ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

Experian has 10 days from the receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experian 's willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to this matter.
Consumer complaint received 2022-10-13
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-03
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX {$870.00} XXXX XXXX   XXXX {$970.00} XXXX XXXX   XXXX {$530.00} XXXX XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX   XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX/XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX   XXXX {$970.00} XXXX   XXXX {$820.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2024-01-03
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The payment history on this now paid off and closed account has many inaccuracies. For one it never should have become a charge off. A Capital One representative told me in XX/XX/XXXX it would not become a charge off, it did. Two, there were months that I made payments that Capital One has listed as missed payments. I provided a XXXX representative with a bank statement showing that I made payments. And lastly, after all these issues, a representative from Capital One told me in early XXXX that if I paid off the entire balance his manager would allow him to remove the account from the credit reporting agencies, as they could not accurately verify my concerns over the payment history. I have been reaching out to everyone at Capital One to finally get this resolved. They continue to ignore my requests. I am beyond frustrated that this account is still giving me trouble after they acknowledged that it had issues. I want this account and all their inaccurate information removed from the credit bureaus.
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-03-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

My loan was recently transferred from XXXX XXXX  to carrington mortgage. Yesterday i made my first payment to carrington. They  charge a {$5.00} fee to pay online, and {$10.00} to pay by phone. XXXX did not charge me to make mortgage payments online. Can carrington legally do this? Their services and reputation are apparently sub par to XXXX. I feel like I'm being punished by having had my mortgage transferred. Carrington was not helpful in their online chat nor on the phone, after approx 30 minutes of hold time to reach them.
Consumer complaint received 2020-03-24
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)

As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC. (NY)

This debt originated with XXXX XXXX XXXX  and is very old. I experienced hard times starting in 2017 and could not pay the debt. However, I did pay an insurance premium on this account which was supposed pay the debt in the case of job loss. I started this process, but from what I can determine, the creditor did not apply the insurance and settle the account. 

Fast forward to the present and they came out of the woodwork trying to collect this debt. They are using three debt collectors, Halsted Financial Services, XXXX, and XXXX XXXX. Each collections agency is stating a different amount for the debt owed. 

XXXX XXXX, has threatened to file a lawsuit in multiple emails to my private email account. See Attachment. 

The Halsted agency calls me incessantly using different numbers from the state of Georgia. Given the current situation with the coronavirus, in case a family member or friend is attempting to reach me from a different phone number, I can not screen calls. The Halsted agency even started sending me text messages. See Attachment.
Consumer complaint received 2022-12-29
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: ProCollect, Inc. (TX)

I asked the credit bureau 's to do a thorough verification of my credit report, they did and stated everything was accurate. I did research myself and found improper inaccuracies still on my credit report even after they did their investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX and 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

These fraudulent accounts are from the direct result of identity theft. 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.XXXX  XXXX. 
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.
Consumer complaint received 2020-04-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

This debt was reported on my credit inXX/XX/2017. I do not owe national credit system at all they are stating I owe XXXX. Ive called several times to explain I dont owe the debt this company is very rude they also provide wrong information. Ive been trying to dispute this matter for the past 2 years this company will not budge. But they will send repeated phones to the point I had to change my telephone number. I never received notice that I could dispute this matter from national credit system they kept saying they were going to send documentation that owe this debt and that this was a joint account Im not respond or this account. And Im tired of the harassment I shouldnt have to change my number in order to stop receiving calls from multiple numbers.
Consumer complaint received 2020-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Fraudulent accounts currently reporting from the direct result of identity theft, 1.XXXX XXXX XXXX, 2.XXXX XXXX # XXXX, 3.XXXX # XXXX, 4XXXX XXXX  XXXX # XXXX, 5. XXXX  # XXXX, 6XXXX XXXX XXXX # XXXX, 7.XXXX # XXXX, 8. XXXX XXXX XXXX. 
Its been several months now I have been in consistent contact with XXXX consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from XXXX. XXXX has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. XXXX has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and XXXX should be held accountability. XXXX has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and XXXX is liable.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Checks valued at a total of around {$15000.00} have been stolen from my mail and deposited at the Navy Federal Credit Union ATMs at XXXX XXXX XXXX in XXXX Maryland on XX/XX/2022. The endorsements are obviously false ( the thief even used his own name and made up a fake name for the company owner ). Navy Federal has refused to reimburse me, even though they gave my money to the thief, and have told me it was clearly a fraudulent deposit, and I gave them a valid police report. I have gone to the branch and spoken with a manager, and called the fraud hotline, and all have refused to take responsibility for reimbursement, even after acknowledging the fraud. They told me I would need to have the companies which originally issued the checks file a claim. One of the companies ( XXXX XXXX XXXX XXXX has done so, but the company which issued the XXXX check ( XXXX ) is unresponsive. 


The worst part of the situation? The thief has done this to multiple businesses, and always deposits checks at this particular Navy Federal ATM ( I was referred to other victims by the detective working the case ). The total amount stolen from the other business is over $ XXXX
Consumer complaint received 2020-04-03
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. (LA)

attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.
Consumer complaint received 2020-04-03
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. (LA)

attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.
Consumer complaint received 2022-11-05
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. (PA)

In accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2020-04-03
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. (LA)

attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.
Consumer complaint received 2020-03-25
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. (SC)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX we paid XXXX XXXX for a credit card collection which the originator was XXXX XXXX Bank. XXXX XXXX reported it on XX/XX/XXXX as paid and settled and it was suppose to be removed as settled. We sent a letter stating it was to be removed to Experian for a rescore and they refused to take it and opened up a dispute on our account and said they could not update until XXXX XXXX sent it to them. Experian representatives- 6 people refused to call XXXX XXXXr to update it and I emailed the COO XXXX XXXX that his people refused to call XXXX XXXX to update for us. 
XXXX XXXX states they get calls all the time and they even took our permission to put Experian on the account and they still refused. We are in a National Crisis and these people are not willing to help anyone. 

The amount of the settlement was less than the balance, that is not the issue. It is Experian refuses to help anyone correct their credit report during a mortgage loan situation.
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MN)

The 30 day lates ( XX/XX/19, XX/XX/19, XX/XX/19 ) still shows me delinquent on all XXXX  XXXX and XXXX XXXX credit bureaus. This loan was paid in full by XXXX XXXX  via transfer. This is affecting my credit score and my ability to refinance. 
Please investigate and have this fixed and show the account paid.