davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-28
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. (MI)

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Consumer complaint received 2021-10-28
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. (MI)

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Consumer complaint received 2022-10-09
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. (NY)

To whom it may concern, You have violated the law. Under the FCRA 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I the consumer never gave EQUIFAX any written consent to furnish a report or report anything on my consumer report, No consent is identity theft. A copy of the identity theft report is attached. As pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) to be paid {$1000.00} per violation by check, all violations are stated in notarized affidavit provided as an attachment
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

Barclays Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by Barclays Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with XXXX. Also, when I called on Monday of this week XX/XX/XXXX, I informed the Barclays Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by Barclays who submitted another False Negative Update to my XXXX Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic racism and an economic suppression tactic exuded by Barclays Bank. My account has been paid and XXXX also verified the Settlement amount with Barclays, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX. 

They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.
Consumer complaint received 2022-12-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-25
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: APEX Asset Management, LLC (NJ)

APEX ASSET MANAGEMENT, XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF {$1300.00} AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, APEX ASSET MANAGEMENT HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

inquiries that should be deleted due to their customer services would not take care of the negative inquiries reporting to my credit report.

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX 2.SXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  DATE XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX & XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX  DATEXX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   DATEXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-02-25
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. (CA)

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (VA)

Several different third party collection companies continue to send me a toll bill with different amounts from a state I do not live I have pay several invoices with different amounts from almost a year ago each time I ask is there anymore invoices in the systems they say no this is it then they waive administrative fees and I pay ... I have disputed numerous times based on duplicate invoices cooying of photos and creations of invoices, receivable too old based on date of violation and no violation code on invoice and different numbers and amounts on same collection notices from different companies. I believe this too be fraud and invoice and billing abuse because I am an out of state resident. 

Again I dispute all invoices with. 


XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Oh XXXX XXXX Account # XXXX Creditor 's Account # XXXX Violation Code 0000000 I was there XX/XX/2017 I have paid numerous tolls while there and the ones sent through mail and was told that was it .... 

Thanks XXXX XXXX
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-12-02
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. (FL)

I check my credit report on Equifax regularly and have an account with this bureau on its website. My credit report online with Equifax shows incorrect informaiton on my XXXX XXXX credit account XXXX Two late payments on the Equifax credit report show as 60 days late. The dates of the XXXX late payments are XX/XX/XXXX and XX/XX/XXXX. Before an account can be reported 60 days late it would have to be 30 days late the previous month. The months prior to XX/XX/XXXX and XX/XX/XXXX show the account in order. This account has been opened for over 5 years now and reporting to Equifax. 

I had disputed this account and late payment reporting previously with Equifax on several occasions but nothing is getting fixed.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX is still on my XXXX even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my Experian as well and they refuse to remove as well.
Consumer complaint received 2021-10-28
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. (MI)

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts XXXX included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (KS)

I keep getting harassing phone calls at work and home after asking them to stop the calls. They have threatened me, my job, impersonated attorneys, judges and law enforcement officers. They are rude and never even identify themselves as debt collectors. I want the harassment to stop immediately. I told them to leave me alone and remove it from my credit report since the information is not accurate. They laughed and told me to go " XXXX my mother in the XXXX with no XXXX. ''
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On Tuesday, XX/XX/2022, I received an email through my XXXX University student email of a prospective employer seeking employees. I replied to the email address, XXXX, to inquire further. I was then answered by an individual calling themselves XXXX XXXX XXXX who was employed with the Department of Disability Health and Human Services. He claimed he was a XXXX with XXXX University. He then provided me with a letter of employment and XXXX paper check for deposit. XXXX for {$8200.00} and {$4.00}, XXXX. I was told to deposit the {$4300.00} in my back account and wait for the deposit to clear. {$220.00} was cleared, he then requested for {$200.00} to be sent to XXXX XXXX XXXX via XXXX. In addition, I was then told to send {$400.00} via zelle to XXXX and XXXX. 

My bank, Navy Federal Credit Union has denied responsibility and has forced me to relinquish my accounts without full recovery of my funds.
Consumer complaint received 2021-10-28
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. (TX)

i lost my credit card overseas i reported to citibank as the card was lost someone used my card when i report to citibank i have very bad communication with customer service i missed to report one charge for XXXX they denied my case for that charge i miss reported i have been in contact with them more then 30 times plus i send them letter explain what happened i'm not getting anything from them please i need your help with this matter
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2022-02-25
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. (FL)

In accordance with the fair credit reporting act XXXX  Account number ( 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 XXXXXXXX XXXX # XXXX ) - ( the bureaus # XXXX ) - ( XXXX XXXX # XXXX ) - ( XXXX  XXXX # XXXX ) has violated my rights. 
15U.S.C 1681 Section602 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 instructions
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXX XXXX XXXX XXXX says they are totally separate ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XX/XX/2021 Payment inadvertently made of {$24000.00} on lease payment due of {$240.00} Said funds were transferred from my XXXX XXXX XXXX  checking account to XXXX XXXX. 
XXXX XX/XX/2021 Called XXXX Customer Service to report over-payment. I was told they would look into it. 
XXXX XX/XX/2021 Called XXXX Customer Service and was told the payment processing department could not process the refund because of possible stop payment on my check, and was told to check with my bank. Called XXXX XXXX XXXX and they informed me that no such stop payment order had been received and the funds had had been withdrawn from my account and sent to XXXX. I immediately relayed this information back to XXXX XXXX Customer Service and was told this information would be sent to the Payment Processing Department. 
XXXX XX/XX/2021 I inquired as to the status of the refund and was told the service request had been submitted to the Payment Processing Department on XX/XX/XXXX, and was would be sent to me by XX/XX/XXXX ** XX/XX/2021 I was told that XXXX XXXX could not find my request for a lease extenstion, which I requested on XX/XX/2021. They told me that they would check and would call me back. I never received a call back. 
XXXX XX/XX/2021 I was told Customer Service would email XXXX XXXX Department and would explain the over-payment and would request that the over-payment be applied to one expect the refund in 30 days, and/or 16 business days. 
XXXX XX/XX/2021 I was told that the refund check would be sent, but would take 3-5 days for me to receive it. 
XXXX XXXX XXXX I checked on the lease extension and was told it had been approved and I could ignore the " request to return leased vehicle '' letters that I had been and would be receiving. I checked on the status of the refund and was told it was still being processed. 
XXXX XX/XX/2021 I called Customer Service and was told that their prior request to the Check XXXX Department had been improperly completed and that they would submit a new request. 
XXXX XX/XX/2021 I was told by Customer Service that no response had been received from the XXXX Department and that they would submit an email to them marked urgent. 
XXXX XX/XX/2021 I was told that an urgent email request had been submitted, but Customer Service had not yet received a response. 
XXXX XX/XX/2021 This information was FAXed to XXXX XXXX, Attention CARE Department XXXX XX/XX/2021 Talked to employee supervisor and manager and was told, in each case, it was in process and would be sent 16 days from XX/XX/XXXX, although they had no official confirmation and would send another email if refund date could be improved.
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (TN)

According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.