davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-01-01
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. (MN)

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681n - Civil liability for willful noncompliance LII Uniform Commercial Code 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, XXXX XXXX, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE.
Consumer complaint received 2021-06-17
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed 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 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I do not have a current contract with company. Old contract was terminated due to company 's retaliation/ negligence/XXXX. I asked company via certified mail to cease and desist. I do not owe anything. They are giving the credit bureau the incorrect information. Not providing any proof of this.
Consumer complaint received 2020-03-18
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. (PA)

For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint  before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.
Consumer complaint received 2020-03-18
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)

Equifax refuses to remove a collection item from my credit report. I have proven multiple times that their reporting is false. Neither XXXX, or XXXX XXXX report the same. 

Equifax shows a collection company called XXXX is owed {$190.00} for an unpaid bill to XXXX. I provided copies of the invoice from XXXX and the check used to pay that invoice. It was check number XXXX and cashed back in XXXX of XXXX by XXXX. A simple call to XXXX/XXXX  representatives will prove that I am telling the truth and that my account has been in good standing forever. The account number and related invoice is XXXX XXXX XXXX XXXX. Look at the billing date of XX/XX/XXXX that shows the past due of {$190.00} XXXX in Dispute ), and current charges of {$300.00}. I paid both at the same time with a check totaling {$490.00}. Somehow, XXXX submitted me to collections and XXXX  for the {$190.00}. 

I contacted XXXX and they admit their error, XXXX who ignores me, and Equifax who ignores me. Please look into this as it adversely and falsely affects my credit scores. 

I can be reached at XXXX, or by e-mail XXXX Thank you!
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

XXXX credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and ConsumeXXXX deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have XXXX reinstate my account as open and being paid. thank you
Consumer complaint received 2020-03-18
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)

Still no response from other 2 open cases. Transunion responded and upon their investigation the information was fraudulent and they removed from my report. XXXX  and XXXX  said they use the same data furnisher ( XXXX ). They don't have a file for me. I am going to contact a FCRA attorney. This is effecting me emotionally and financially. Transunion still have XXXX. I reached out to them directly. They have no valid proof. XXXX   have over 10 fraudulent items on my report and 4 duplicate accounts. XXXX  have 3 accounts that are fraudulent! This is a Violation of my rights per the FCRA AND FDCPA!
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America closed both my accounts while I was current on each card ( Business and Personal ). They continue to charge interest and report to the credit bureaus while not affording me the benefits of having the cards.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (NH)

I recently leased a XXXX XXXX from XXXX XXXX in XXXX NH. ( XXXX XXXX XXXX ) The dealership did a hard pull of my credit. That was fine, then before I selected a vehicle they did another hard pull of my credit through XXXX XXXX. XXXX  uses an agency called " SageStream LLC '' ( XXXX XXXX XXXX ). SageStream reported a score of XXXX. The dealership than went to XXXX XXXX XXXX and through XXXX my score was XXXX. I have my truck and I'm happy with it. 
However attempting to contact SageStream has been difficult. I used their online dispute form two months ago, nothing. I called their customer service number multiple times, and nobody ever answers. I left three detailed messages ; they claim to get back withing a day. That has not happened. 

Please Help
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (MO)

XXXX is still harassing me for a settled debt from XXXX. 

Letter received from Credit Control , LLC on XX/XX/XXXX that states the exact same message used by XXXX XXXX on XX/XX/XXXX. 

The message says : Our information shows : You had an account with XXXX - XXXX XXXX  from XXXX XXXX XXXX XXXX with account number ending in XXXX. 
As of XX/XX/XXXX, you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : Total amount of non-interest charges or fees : + + You paid or were credited this amount toward the - {$54.00} {$0.00} {$0.00} debt : Total amount of the debt now : {$420.00} The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. The current creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt has expired. Even if the statute of limitations is expired, you may choose to make payments on the debt. However, be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

In XXXX message says, Dear XXXX XXXX, XXXX XXXX XXXX XXXX manages the above referenced account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from XXXX XXXX, the current servicer of this accour For further assistance, please contact one of our Customer Service Representatives toll-free at XXXX
Consumer complaint received 2021-06-18
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: Resurgent Capital Services L.P. (GA)

I have disputed a collection account with LVNV Funding with XXXX XXXX XXXX for three months. This account is not a collection. It is under consolidation with XXXX XXXX XXXX LVNV is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have credit cards from CitiBank that earn XXXX XXXX Miles. My signup bonuses and miles posted in a timely manner. XXXX XXXX terminated my frequently flyer account on or about XX/XX/2020 without any notice to me and confiscated my legitimately earned bank issued miles. Although no correspondence has been received to date, research indicates that my account was included in an account termination sweep triggered by AA 's view of too many sign up bonuses from CItibank received. Miles earned from my credit cards no longer have an account to land into, and my earned miles from all sources are gone. These miles were bonuses and spending earned miles -- consumer spending incentives that were developed, marketed and approved by the bank. They were mailed or emailed and contained no specific restrictions regarding my personal eligibility. Nearly all of my credit card approvals with Citibank necessitated a phone call with a representative, and there was never a reference to any term violations. 

I did not violate any terms and conditions that were stated on my credit card applications or banking agreements. Specifically, I did not violate any limitations of sign up bonus. I maintain that it is incumbent upon the banks to not issue miles for credit cards or other endorsed methods that their credit card partner airline, XXXX XXXX, deems unacceptable.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp. (NY)

I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named Absolute Resolutions Investments LLC and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of XXXX XXXX XXXX XXXX This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this XXXX account on my credit report.
Consumer complaint received 2020-03-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1800.00} XXXX/XXXX  XXXX {$440.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2021-06-18
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. (CT)

I am a premier member with Experian credit monitoring. This includes credit reporting updates, protection, quarterly XXXX  and XXXX  reporting and updates. How I havent received satisfactory or no reporting in all these areas since XX/XX/XXXX. In addition because of the insufficient monitoring I was a victim of identity theft at least 5 times since XX/XX/XXXX. Finally Experian maliciously and negligently reported excessive declines in my FICO scores from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. Henceforth, after receiving extremely derogatory on a stolen XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I promptly filed my complaint even though Ive been monitoring the huge gap in Experian FICO score as XXXX ; XXXX  as XXXX ; XXXX  XXXX. To date Experian has also blocked my ability to file disputes with XXXX XXXX XXXX and XXXX and XXXX.
Consumer complaint received 2021-06-18
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. (VA)

I am attaching all of my documents included in my dispute.. I am a victim of identity theft and I am stressed that this information is still on my credit report. I have sent Experian all of the supporting information and filed a police report. Help me please.. I was a victim in a previous breach and they are not removing these inaccurate items off of my credit report.
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

In XX/XX/XXXX, I received ( on Cooling & Winter letterhead ) a  dismissal of my civil action. After hearing nothing for a year, I receive today, XX/XX/XXXX, a notice of garnishment for {$910.00}. When I called, I was told that I still owed on this account even though I 1 ) received the dismissal a year ago and 2 ) hadn't been contacted in a year that yes, I did owe something. 
XXXX XXXX indicated they didn't have to let me know I owed anything. So, now during a pandemic, it was decided that this debt is due and not to send any notification of debt due, just go straight to garnishment. The attorney who filed suit is unreachable for the foreseeable future according to his voicemail. 
I'd like the garnishment to be paused while I 1 ) receive a complete accounting of my account and 2 ) if I do owe anything, a payment arrangement.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bank with Bank Of America. On XX/XX/XXXX a family ( that I DO NOT know ) used my FULL card # and e-mail address to buy a family package at XXXX XXXX XXXX XXXX totaling {$420.00}. I had my debit card in my possession the XXXX time. I have NO idea how they got my card # or e-mail address to make this purchase. When I tried to use my debit card online on XX/XX/XXXX to make a purchase online and it was declined I called B Of A and asked why. They told me about the XXXX 's transaction and I filed a fraud report with Bank Of America IMMEDIATELY! ( # XXXX ) They credited me the {$420.00} when I filed the report. XXXX days ago I received a letter saying that they were taking the {$420.00} back because they've concluded that either I made the purchase or I gave them my info to make this purchase. THAT'S A XXXX I've never met these people in my life! I filed a police report with the XXXX XXXX Police Department. ( Case # XXXX ) I have pictures of the people that entered XXXX 's XXXX MY name. ( XXXX 's provided it ) I also called XXXX 's and filed a complaint there. ( I spoke with XXXX. Ticket # XXXX ) I haven't heard back fron XXXX 's at all. I called Bank of America on XX/XX/XXXX and asked if I could re-open the case. XXXX said that I needed to fax them proof of my police report and any other fraud reports that I make with other organizations. So here I am. I have a copy of the package that was purchased. I would like to mention that when the thieves used my card # they provided an incorrect phone number and incomplete address. It also looks like they used XXXX XXXX which I don't have. I'm not sure how the transaction went through when my personal info didn't match up? I have the denial letter from Bank Of America, a copy of the purchase info from XXXX 's and pictures of the people that committed the crime. I can fax them somewhere if that would help. Thank you for ANY help that you can provide! I need my money back! Like A LOT of people in the world I'm XXXX!!! Thanks again!