davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (TX)

I value you setting aside some margin to CORRECT or REMOVE a portion of the data in my credit document. Also I found out that there are still a few records that are reporting on my file. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records and I want it to correct. XXXX XXXX XXXX Balance Owed : {$800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed. Please adjust immediately. XXXX XXXX Balance Owed : {$29000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX Balance Owed : {$12000.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5800.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXXXXXX Balance Owed : {$820.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2021-05-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have been a USAA Bank Card holder for several years and I have always made my payments on time, however, there were times as a single mother with XXXX children that I was forced to make payments late. 


There are 4 late payments as follows ; XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late XX/XX/XXXX - 30 days late Every time I knew I was unable to make payments on time I contacted USAA and told them I was going to be late on my payments, I was told for all the above dates that I would be placed in a payment deferment program for 90 days and that my credit would not be affected, I found this NOT to be true. 
Last year I viewed my credit report and discovered that the above payments were NOT deferred but rather reported as derogatory and have destroyed my credit. 
For over a year I have contacted USAA via phone and wrote letters trying to get these items removed from my credit report and, I was told on several occasions they would be removed and yet still they remain.
Consumer complaint received 2020-09-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cottonwood Financial Ltd. (IL)

XXXX XXXX say my fiance owes a payday loan for 2017. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX, XXXX Amount : {$840.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX  Account # : XXXX Amount : {$7600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card. 
Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. if you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pacific Credit Exchange Corporation (AZ)

On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named Pacific Credit Exchange i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, Pacific Credit Exchange ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I have been calling to get my account and credit updated at Carrington Mortgage Services. My account had been in forbearance, but I have been trying to get it removed since early XXXX. First, I was told it would automatically end and I could not end it early. Then, after weeks of calling because the forbearance was still showing, I was told that it would not end unless I paid the back due amount. So I paid the back due amount, and my account still has not been removed from forbearance and my credit report has not been updated. Every time I call I am told something different and it never matches up. I have dealt with many banks for many reasons and this is by far the worst one I have ever been forced to deal with.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-11
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2023-07-14
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. (CA)

This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-11
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: DISCOVER BANK (GA)

On XX/XX/2023, I purchased a salad at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, GA. This salad made me ill. I complained to XXXX about it and they did nothing other than send me a Dear XXXX email and have the manager call up to say " it's only you '' and hang up. Then I disputed it with Discover. All of a sudden, they don't cover bad food. The sorry piece of XXXX that answered the phone named XXXX even said it's my fault for eating the food. The problem is food illnesses are not instantaneous. It took hours. What was I supposed to do, take them my XXXX and then request a refund? XXXX refuses to do the right thing and refund my money, Discover is now trying to hide and say they don't cover food purchases but that is not in the cardmember agreement. They have actually covered it before. I do not see what the problem is all of a sudden.
Consumer complaint received 2023-05-11
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please correct and update this account in my credit file ASAP.
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC (TX)

I was a victim of identity theft and noticed a collection from SOURCE RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SOURCE RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-07-19
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 2019-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (NC)

On Monday, XX/XX/XXXX, I opened a money market savings account with BBVA compass due to their interest rate. In the application for a new account, I was asked to provide a source fun account and routing number and choose how much to transfer over. I selected XXXX dollars from a XXXX  savings account. When I setup the online banking, I noticed that it did not show this transaction as a pending transaction. I called the bank and they assured me there are no pending transactions. The next day I get a notification of a XXXX dollars ACH withdrawal by BBVA compass, and yet when I call them, they are still saying they have no record of the money coming in or them ever having requested the money. XXXX can not put a hold on the funds as it was not initiated from their side. I have no idea where my money is and no one at BBVA can help me find it.
Consumer complaint received 2019-04-18
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. (GA)

I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts inXX/XX/XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NY)

Pre-approved for cards not pre-approved for. Had me signing up for cards just to be declined and hits and points lost on my credit report based on information from Credit Karma they provided which was false just to get me to sign up very misleading and cost me in the credit world.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Turning Point Solutions LLC (WA)

To whom it may concern, On XX/XX/2023 Advanced Capitol Solutions contacted my family member and shared my legally protected information with them. Here is their company information : Advanced Capital Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX A representative of their company called my XXXX XXXX XXXX on his cell phone at ( XXXX ) XXXX and asked for me. He confirmed they had the wrong number and his identity, they then proceeded to share with him that I owed a dept to them which is protected information under Federal law.

I have provided Advanced Capital Solutions with a cease and desist request asking that they do not contact my family or friends or anyone else by phone. 

I also wish to bring awareness to the appropriate government agency that they are not in compliance with applicable laws regarding the sharing of personal information related to any alleged debt with anyone other than myself. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (NC)

XX/XX/2022 I sent a dispute letter to all three bureaus ( XXXX, XXXX, and XXXX. ) When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist or the collection company intentionally added more to the amount than is really due. I have tried to communicate with the bureaus, and the Creditors to no avail. No one has been able to verify these accounts as accurate, and yet they have not been deleted from my credit report. Attached also below is audio from me speaking to a XXXX representative that two XXXX  collections ( XXXX  and XXXX XXXX ) are inaccurately being reported and 1 is just falsely reporting from XXXX XXXX even the balance amount is wrong. as well I called XXXX company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. I also have sent a dispute of these accounts and failed to receive the request verification of this account! The other account has been disputed as well and again it's not reporting correctly and failed to be verified as mine, but it is still on my credit report. To reach XXXX requirements I had to cut out a significant amount of the call. The representative did state that those items would be removed from my credit report if I paid, and I did pay.
Consumer complaint received 2018-07-28
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)

On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX  ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. Equifax, XXXX  both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX XXXX does not do student loans. I explained this to Equifax and XXXX  but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.