davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I have been a Citi credit card member for many years. They have a process to submit disputes online by clicking on the charge and then clicking on dispute claim. I have done in this in the past with no problems. However, this feature has been disable recently by Citi. When I contacted customer service to submit a dispute they told me I had to do it online by 1 ) clicking on the charge and then 2 ) clicking on dispute charge. Again, this feature has been disabled by Citi. I told Citi through chat on XX/XX/XXXX I wanted to dispute a charge from XX/XX/XXXX, they said they would initiate the process and I would be called. I have not received a phone call and the charge has not been reversed. The dispute process was never started by Citi and I am currently liable for the full charge. I have contacted the merchant and they assured me that the charges would stop and I would received a refund. I never have received anything.
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX
Consumer complaint received 2020-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion unbelievably is putting fraudulent information on their report regarding me and my accounts.There are two egregious items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX HAS BACKDATED THEIR REPORTING. AFTER CLOSING THE ACCOUNT BECAUSE I DID NOT RECEIVE PROMISED DISCOUNTS AT THE PUMP IN MY AREA, I DISPUTED THE ACCOUNT ; I PAID OFF THE ACCOUNT TO 0 IN SEVERAL INSTALLMENTS ; AND I CLOSED THE ACCOUNT. THEN IT WAS REPORTED BY TRANSUNION AS SUCH. TODAY AFTER DISPUTE IT SHOWS OPEN WITH A LONG AGO PAID OFF XXXX DOLLAR BALANCE.THE BALANCE IS 0.Please immediately delete this fraudulently reporting account. 

THE OTHER ITEM XXXX XXXX XXXX.IS COLLECTING FOR XXXX, THE ORIGINAL CREDITOR.XXXX, ABOUT 3 YEARS AGO SOLD ME NON-FUNCTIONING PHONES AND SERVICE. IN XXXX XXXX, CA WHERE I LIVE THE PHONES HAD DROPPED CALLS, UNRECEIVED MESSAGES, INTERFERENCE ON CALLS ESPECIALLY WHEN WINDY, LEADING TO UNINTELLIGIBLE CONVERSATIONSON A REGULAR DAILY BASIS. XXXX, IN THEIR STORE, EVEN HAD THE NERVE TO TRY TO SELL ME OTHER PHONES TO SOLVE THE " PROBLEM ''. THE PROBLEM, I LEARNED, IS THAT XXXX DOES NOT HAVE SUFFICIENT CELL PHONE TOWERS OR NONE AT ALL IN MY AREA. THEY SOLD ME PHONES KNOWING THIS, KNOWING MY ADDRESS AND KNOWING THE PHONES WOULDN'T BE SUFFICIENTLY FUNCTIONAL BY ANYONE 'S STANDARD. 
This account should be deleted for fraud immediately.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always been diligent in ensuring prompt payments on this account, avoiding any instances of being overdue. The reasons for the presence of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Consumer complaint received 2022-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Equifax continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Equifax has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution.
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : CAPITAL ONE XXXX
Consumer complaint received 2022-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown {$820.00} collection US DEPT account on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still XXXX continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

XXXX has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution. 

Tracking XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX DPT EDXXXX 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 without my written instructions
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX
Consumer complaint received 2022-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX Capital One Bank ( USA ) N.A. filed a claim in XXXX XXXX court. On XXXX I was severed a court summons about an alleged debt in the amount of {$2600.00}. This account is closed and has been charged off. Capital One didn't send me a 1099c which is taxable income per the IRS. It's a violation and tax fraud.
Consumer complaint received 2022-12-29
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. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (MO)

I mailed Equifax disputes at the end of XX/XX/XXXX certified mail since each time they pretend to not receive my letters. Equifax has now added payment history and late payments to collection accounts from XXXX which goes against FCRA and also cause me to be denied credit. When I called them, the automated systems keeps telling me they can't find me although I provide the info that matches exactly what they have. Also the representatives hung up on me and one even transferred for me to equifax XXXX in the middle of me speaking mind you I am in the USA and called the USA line.
Consumer complaint received 2022-04-15
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. (MO)

In accordance with the fair credit reporting XXXXXXXX XXXX XXXX account number XXXX XXXX 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 2022-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NE)

I've spoken to Credence several times about my financial situation yet they continue to contact me daily from several different numbers ( XXXX. ) On XX/XX/XXXX I was in contact with them stating I wouldn't be able to pay until XXXX. Several times they'd stated if I didn't pay they'd go ahead and harm my credit. Along with this they also continued to call after making an agreement that I'd pay the full balance in XXXX.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (OK)

I signed up for a " XXXX XXXX '' offer within the XXXX XXXX XXXX/NetSpend ) app on XX/XX/2022 and made qualifying purchases on XX/XX/2022. I didn't received the incentive within the stated 14 business days. 

When I called XXXX/XXXX/NetSpend, I spoke with numerous support team members who told me that this offer does not exist, or was not through XXXX, or some other variation of that.

Nobody on the XXXX phone support team is even remotely familiar with their app or offers. They are just an outsourced overseas call center. There is no way to reach people who work at XXXX  to provide screenshots or proof that the offer exists or that I met the requirements. I have proof of the offer via timestamped screenshots and proof from the merchant that I made qualifying payments.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NJ)

i have the experian app on my XXXX  wich i can check all my credit report history there i even call today to experian customer support XX/XX/XXXX and ask experian if this is a ligitament app from you guys wich is experian the reprensetive saids yes it is a accurate score on there i said ok, for the past year i check this app day by day to fix my credit and monitor it my self.around the year XXXX i was financing a XXXX car thru XXXX XXXX XXXX  around XXXX i dont have exactly the dates i got the XXXX  XXXX repo.today wich is XX/XX/XXXX i check my credit and is been few years and is on my credit report need it dispute because is charge or paid off.Now to me this what i am about to explain i think is not right.I am driving a XXXX XXXX XXXX that has XXXX miles on it and is not a safe car to drive i wana get a new car. i went to XXXX XXXX and i told the sale man, what i have to do i have a XXXX score he said i can get you a good XXXX with that score but he said i have check your credit score i said i cant run my credit am fixing it anyway i let him run my credit because he didnt wana do anything i was asking him to do.i let him run my credit it came up as XXXX credit score thru his third company wich is XXXX XXXX. when my credit score today with all three credit bureaus XXXX wich is XXXX experian XXXX my score is XXXX XXXX and XXXX with XXXX as of XX/XX/XXXX. the saleman was ready to trade my XXXXXXXX XXXX XXXX  for a newer car and i couldnt get the car because my credit score with him came back as XXXX is my credit score different fom all three bureaus and his third party. how does that work.the dealership score card is fico auto XXXX but the source is experian.i dont understand and i think this is wrong.
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

According to the Fcra once an account are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. 

LVNV Funding LLC # xxxxxxxxxxxx XXXX has a past due amount listed on the account with all 3 credit bureaus which is incorrect reporting please see proof of inaccuracies in the photos I have included They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer 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 1681 section 602 A. States I have the right to privacy.

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 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (GA)

I have contacted all 3 credit bureau by certified mail two times with letters explaining all the information that is incorrect or that needs updating. I also requested verification of all accounts reporting debt. I also disputed online. I have sent certified letters directly to the collection agencies concerning inaccurate information and debt verification. I included with all a copy of a bill my drivers license and ss card. 

XXXX  - XXXX NO RESPONSE AT ALL IC SYSTEMS - XXXX THEY HAVE SENT ME CLAIM OF PROOF OF DEBT. 
THIS IS NOT IN COMPLIANCE WITH 15 U.S.C. 1692 ( a ) ( 1 ) - ( 5 ) UNDER THE NEW REGULATION F I did not receive verification with in 5 days of either attempt to the Reporting agencies on XXXX. XXXX, XXXX  or XX/XX/XXXX & XXXX, XXXX. Or verification by the collection company with In 5 days of reciept on XX/XX/2022. It. does not include any information about consumer rights to disputes and even clearly states that it does not state any of those laws. No information about the CFPB, or consumer financial product or service. Information on how to dispute a debt electronically or the date the validation period expires.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC (GA)

My mortgage company offered Covid assistance payment deferment ; however, once the deferment payment period ended I was allowed to set-up a payment plan to pay back payments. I completed the payment plan as scheduled-but my credit was reported late while on the payment plan ( docking my credit XXXX points ). For people struggling with payment the assistance was greatly needed, but at the detriment of someone in need credit is unfair, at the very least ( especially without notifying consumers that this would happen by using the assistance program )! I think that an assistance program should help and not hurt-especially when consumer does everything asked.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NY)

There were credit cards issued and opened in my name dating back to XX/XX/2022, at which time I was XXXX  until XXXX XXXX with the XXXX XXXX XXXX XXXX. I have documents to prove that as well