davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
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. (CO)

On XX/XX/2020, I sent an envelope via certified mail to Experian containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2.  The USPS.coms page https : XXXX  shows that my letter was delivered on XX/XX/2020 at XXXX. Even though it was received on the XXXX, Experian stamped the certified mail receipt as received on XX/XX/2020 ( please see attached ). Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Experian regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Experian provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Experian has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Experian received my Affidavit on XX/XX/2020. In addition, XXXX XXXX XXXX XXXX is listed as a creditor on my credit report. I have written correspondence from this court ( see attached ) that they do not report to credit agencies ( please see attached ). Since this court would be the legitimate and sole owner of any alleged bankruptcy court proceeding information and therefore, the only organization capable of legally and accurately verifying an alleged debt of this nature, my correspondence from this court is proof that Experian did not properly verify the information and/or they purposely fabricated their investigation results to continue to cause me personal and financial harm. I demand that Experian immediately delete any and all reports of these 2 dismissed bankruptcies from my credit reports.
Consumer complaint received 2020-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I ordered merchandise from XXXX. ( {$37.00} ). The seller never sent it, it was not received by me at my address. Seller refused to reship or refund or make a claim with his shipper.
Consumer complaint received 2020-04-14
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XX/XX/XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). 

I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

According to XXXX XXXX XXXX 1997 Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY This account violates these laws 15 USC1681i 15 USC 1681s 2 15 USC 1681I 5 15 USC 1681E b Delete ACCOUNT Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 


Thank you for your cooperation in this matter, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (MI)

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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 with 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 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I notified Wells Fargo that I want to pay off some accumulated late charges. These late charges are may inhibit my ability to recast. An officer of Wells Fargo said I would be able to pay the late charges, but they will not allow me to transfer or pay for the late charges when I tried to pay. I called the office and they refused to let me pay the late charges which are sitting in my Wells Fargo bank account. They are holding onto the late charges as a means to disallow my ability to recast the loan as this is the first thing every person I spoke to says. They have been brought before the banking committee several times and fined millions of dollars. The practice of seedy banking is obvious and I want to have the same rights as other mortgagees with other banks.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MD)

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Consumer complaint received 2023-05-26
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. (NJ)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc (WV)

National Service Bureau threatened me with jail time and revocation of my license over an auto mobile accident. I had insurance during the accident but my insurance provider refused to pay because it was not the correct type of insurance. I understand that I am financially responsible to pay back the debt but they are asking for amounts that I am not able to currently pay. I have been out of work due to covid-19 pandemic and they threaten me with jail and revocation of my license. Also screaming at you on the phone and are extremely rude and very aggressive. I've tried to work with them to come up with a reasonable amount to pay back but they demand I pay a certain amount a month which I am not able to. It's alarming because of how aggressive they threaten every time I speak to them. I am willing to pay the debt back but I can not pay them what I do not have. It's especially a shame because I've explained to them the situation with my insurance and they just do not care.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN LOAN COMPANY INC. (IL)

I had informed corporate HR not to be in contact with sun loan company of XXXX IL this was back in 2017 when I worked for XXXX XXXX XXXX  they tried to manipulate HR into garnishing wages when they had no legal authorization to do and I wrote a letter to corporate of sun loan I wish for no such thing and the sun loan represents got verbally aggressive and nasty and HR XXXX XXXX Human Resources manager demanding them to take wages out now and XXXX number is XXXX XXXX XXXX. She has information on the situation with sun loan this happened back on XX/XX/17 I though this debt had dropped off but apparently didnt and they have added on interest to the account to which I dont claim validation to debt due to the illegal procedures they tried to collect on the and Im worried they might try to bother my work which I work at XXXX XXXX XXXX XXXX and Im trying to protect my financial future
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

Keeps changing opening date and reporting acct as a new collection when is is from XXXX. 



CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX   XXXX XXXX , MI XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1800.00} Date Updated : XX/XX/XXXX Original Amount : {$1800.00} Original Creditor : XXXX XXXX  Past Due : > {$1800.00}
Consumer complaint received 2023-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Roadrunner Account Services, LLC (NC)

I had a repossession a number of years ago and XXXX owed on the vehicle. The company came and took the vehicle. I asked what i owed and no one can give me an answer. There is a charge off on my credit report for XXXX but they have since sold the vehicle so its my understanding that what i owe is the XXXX minus whatever they sold the vehicle for. No one can look up my information on the vehicle or tell me what it was sold for. They only ask me to start making payments on the XXXX. I have tried disputing the account with the credit bureaus to get at least the total corrected or the account removed because its being misreported but haven't had success. Please help me anyway that you can. Thanks.
Consumer complaint received 2020-08-04
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Back on XX/XX/2024 I look at my report and noticed somethings are incomplete or inaccurate and according to the credit reporting act when ever 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 to this account of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit union all three are not complete is not complete or accurate
Consumer complaint received 2023-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX XXXX is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from Speedy Cash who already was paid in full directly. XXXX XXXX needs to be removed from my credit file immediately upon this information. I do not owe XXXX XXXX any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.
Consumer complaint received 2020-04-14
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. (OH)

I made a {$500.00} payment that posted XX/XX/XXXX to my Best Buy Credit Card. I noticed recently, when I checked my credit reports, after I made my Best Buy credit card payment, that my card was reported closed on all three credit reports. I called numerous times to try to get a hold a customer service at Best Buy and was able to get a hold of an actual person three times, but they were all unable to explain or inform me as to why my card was closed and kept telling me to call back, even though they were aware of how many times that I had already called and I informed them of the impact it would have on my credit score and that I was having difficulty getting through to speak to anyone.
Consumer complaint received 2023-05-27
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consuming rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, 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 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 Status 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 convictions of which antedates the 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 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XX/XX/XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XX/XX/XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.
Consumer complaint received 2020-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION (CA)

I will try to remember as much as possible. 
In XX/XX/XXXX. I got a loan from oportun for {$500.00}. I was very happy to pay the loan back because it would help my credit. 

Within the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have been having financial difficulty because I needed repairs done to my car every month back 2 back. 

I have called oportun every month to inform them that I'm having car problems and as soon as I stop having car problems I will start to make my monthly payments. 

Oportun did not care about my money situation at all and oportun has stopped me from making monthly payments because they asked me if I have a lawyer and I said yes I do have a lawyer. Therefore Oportun has stated to me that because I have a lawyer they can not allow me to make payments until they speak to my lawyer. ( I am supposed to have a lawyer, I am a united states citizen, and by oportun locking my account to not make payments it against my Constitutional Rights! 

I called oportun this month XX/XX/XXXX and oportun told me that if I say that I will not sue them they will put me back on a payment plan. 
I told oportun that I will not sue them and oportun still said that they cant allow me to make payments. 

Oportun is full of lies and deception. 
1st Oportun told me that if I say that I will not sue them I can continue to make payments.

2nd then oportun told me that they cant let me make payments until they talk to my lawyer.

Which one is it? 

Oportun is a deceptive company who is only out to destroy people credit and they wont wouldnt allow me to change my billing date and oportun charges us people like me on ssi of which I only get paid once a month with 2 payments a month which is unlawful against the XXXX.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

Every month I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX. Is reporting a new collection that is for a collection account from XXXX. The information reported to the credit agency is in violation of Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$170.00} Original Creditor : XXXX Past Due : > $ XXXX<