davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. I've talked to the bank & they've agreed to update the account. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor PHH MORT SVC XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX 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.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

Lexis Nexis responded to my initial complaint that they verified that the bankruptcy is question was reporting accurately via XXXX. 

However XXXX records  and the records that lexis nexis is verifying with the credit reporting bureaus are in fact still inaccurate and inconsistent and does not reflect XXXX  records. 

The assets amount, and liability amount and the exempt amount are reporting inaccurately and does NOT match the records. 

I believe that no reasonable investigation and occurred.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account Ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (AZ)

In 2018, I had received an 6 months interest free loan from Comenity Capital Bank for {$740.00}, which has been paid in full. Comenity assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XX/XX/XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by Comenity Capital Bank due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my FSA. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/FSA and Comenity 's customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and Comenity, I was able to get a number to Comenity 's financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from Comenity never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at Comenity and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from Comenity in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.
Consumer complaint received 2020-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (TX)

Payoff indicated that my online application was approved for an offer and requested that I submitted the required documentation to complete the process, which I did. I didn't have any followsup from Payoff regarding the status of my applications. The offer was valid until the beginning of XXXX and I had made several attempts to get this resolved espcecially since they had sensitive information. Payoff had a representative named XXXX who lied and said that there were credit freezes on my credit reports which they weren't as of today. He also lied and said that Payoff submitted emails this past month showing the status of my application which was a lie as well.
Consumer complaint received 2018-04-19
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. (MA)

XXXX - Today I received a report from XXXX  notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, XXXX, XXXX and Equifax. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.
Consumer complaint received 2022-07-23
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)

I have disputed this reporting several time with Equifax and submitted documents directly from XXXX XXXX who stated they could not verify the bankruptcy and removed it from their file, to whom Equifax stated they verified this bankruptcy through ( XXXX ) I am NOT disputing the information in the bankruptcy or the bankruptcy itself, I am disputing the fact the bankruptcy is NOT VERIFIABLE and could not be verified through the source Equifax claimed it was verified through ( XXXX ) I HAVE INCLUDED THE LETTER SENT TO ME FROM XXXX XXXX BACK ON XX/XX/2022 STATING THEY COULD NOT VERIFY BANKRUPTCY SO THEY REMOVED BANKRUPTCY from thier database.. 

IF EQUIFAX STATES YET AGAING THEY HAVE VERIFIED THIS BANKRUPTCY I NEED DOCUMENTATION IN HOW THEY VERIFIED THIS INFORMATION ( what method was used ) I HAVE ALSO FILED A COMPLAINT WITH XXXX  TO HELP LOOK INTO THIS MATTER AND WILL BE TAKING LEGAL MATTERS. 

In according to the FCRA all account must be verified or removed. 


Also may I state XXXX and XXXX has deleted this same bankruptcy from thier file Equifax is the only one who refuses to do so!
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (UT)

Missed a payment due to the Nordstrom website not allowing payments. I was unable to connect to a phone and make the call. I was able to access the website via my computer but the website was broken and not allowing me to make a payment. Hoping to dispute these charges and get them removed to have less of an impact on my credit score when it was the company 's fault where I wasn't able to make a payment.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX my account was charged {$120.00} for balance transfer fees. 

Upon closer review, WellsFargo consolidated 2 of my existing transfers in to one expiring in XX/XX/2023. The other 2 were to expire in XXXX XXXX and XXXX XXXX. 

I did not request the new transfer/consolidation nor did I agree to the incurrence of fees. This is a fraudulent act by WellsFargo.
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (NY)

Please refer to information in XXXX. An account at Acima Digital was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX  XXXX XXXX XXXX : Subject line : ID Theft Claim Acima Digital XXXX XXXX XXXX XXXX XXXX XXXX Floor, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with Acima. I am in the process of buying a house and if this causes any issues, I will pursue legal action against Acima and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed to me.
Consumer complaint received 2020-12-15
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. (CA)

I am writing this today in regards to XXXX/XXXX XXXX Account # XXXX, I have reached out to the bureaus along with XXXX/XXXX XXXX to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report.

1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Consumer complaint received 2020-09-11
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: PNC Bank N.A. (CA)

Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a PNC bank which claimed to be a lender. However there was no investigation open by PNC bank and they left the things as it is.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Consumer complaint received 2020-07-31
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. (CT)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I suffer from identity theft three times in the past 2 years XX/XX/XXXX credit bureau Equifax breach XXXX of XXXX through my employer XXXX XXXX hacking on my computer through banking XXXX identity theft throughout the years of XXXX and XXXX States Arizona California all currently under investigation with police reports Attention ( This system will not allow me to upload my burden of proof )
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX Block Request To Whom It May Concern, I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
1. XXXX XXXXXXXX XXXX XXXX XXXX : Account Number ending in XXXX XXXX. Inquiry : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX 3. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. Inquiry : XXXXXXXX XXXX XXXX Auto Inquiry Date : XX/XX/XXXX XXXX. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX .Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX  ) XXXX2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXXXXXX XXXX XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX documentation
Consumer complaint received 2022-06-15
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. (PA)

In accordance with the Fair Credit Reporting act 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. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX - Account. XXXX XXXX XXXX XXXX - Account. XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX - Account. XXXX XXXX  - Account. XXXX, XXXX - Account. XXXX, XXXX. XXXX, XXXX
Consumer complaint received 2022-07-23
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. (MI)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}