davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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. (CA)

I noticed that TransUnion is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Consumer complaint received 2018-12-07
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. (NC)

I have applied for absolutely no credit this year. I have had no need. XXXX  and XXXX have honored my request to remove fraudulent inquiries on my credit. Equifax has not. There is not a single credit application I have signed this year for credit and because my identity, the result of the Equifax security breach that affected millions has been compromised, Im suffering as well and Equifax is failing to do what the others two bureaus have done which is remove all fraudulent inquiries this year on my personal credit.
Consumer complaint received 2018-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX county that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (KS)

I opened an account with Simple, which used Compass Bank as the bank partner. On XXXX XXXX, a garnishment was placed on the account, and the account was locked. On XXXX XXXX, a deposit was denied due to the locked account. In second attempt, on XXXX XXXX, that deposit was allowed. Now the deposit is being held by the bank. This money is not supposed to be in the account in the first place. Simple refuses to release that money. If the account is locked, how can a deposit be accepted? 

Simple refuses to help and refuses to admit their error. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau XXXX and Equifax have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (AZ)

Company is XXXX Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.
Consumer complaint received 2018-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried to resolve this issue numerous times with no avail. I have sent supporting documents showing that I have satisfied two judgments places against me in 2018. One case has been reported twice for the same balance and transunion is only willing to change the status of one and not both. I have provided notarized documents and information for XXXX City Courts showing satisfactory with dates from 5years ago. I am unable to rent and now will be homeless in the next 30days if my records are not adjusted properly. I need help resolving this issue immediately.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am filing on behalf of a claim I have tried to submit through bank of america fraud beginning on XX/XX/2021. Attached is the letter I most recently sent on behalf of my claim and was denied. 

A company or person purchased products throughout XXXX XXXX XXXX and my bank account in total of {$1600.00}, several purchases were sent to my house as a decoy to the total spent. I DID NOT PURCHASE THESE AND NEVER AUTHORIZED THEM. There were 6 purchases in a row that were not flagged by bank of america. I have tried to submit this claim 3 times and get NO WHERE. Please see the attatched letter for all information.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I had a purchase from GAP more than 2 years ago. They asked me to do a membership to get a discount and to pay anything online. 
there were a third part which is synchrony bank I missed to the payment on time as I moved from my place A month ago, exactly on XX/XX/XXXX, I called the bank to do my payment, they switch me to the collection and I talk with some of it's representative The original payment was {$200.00} I paid around {$400.00} before and that day they said I have to pay after a deal around {$450.00} I scheduled the payment in 6 months, XXXX each month I did my first payment on XX/XX/XXXX 3 days later, I called the collection to do the remaining 5 payment at once and close my case. 
I did them and I asked the representative if I have any other payments in the future and he said never I called them after that day 2 times to confirm my payments and they said that I will get a report after 21 days from my last payment to confirm that After a month and exactly on Last XX/XX/XXXX, I found there is a XXXX was withdrawn from my acc I called the customer They said it's a mistake And they will refund me within 21days And the report will be after 21 days My credit score affected as I should show complete payment and it still not shown Also they withdraw a money over than the payment I should not wait 21 days to get my money plus I am not guaranteed that this will not happen in the future
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX was asked to remove the negative information for my credit report and my spouse. XXXX refuse went to XXXX in XXXX XXXX, Georgia. Judge determine case was too old and should be removed from ALL bureaus. Sent information about the reports and the bureaus Equifax and XXXX and XXXX XXXX. XXXX XXXX remove the negative XXXX for myself and not my spouse. At this point the information was to be removed based on age of the account not its collection practices that XXXX could not prove. Please ask that this information gets removed. My Social Security Number is XXXX my spouse is XXXX we are trying to clear this up since 2014. XXXX was told too old to report and must be removed from our bureaus. We seek to get this remove as the Judge states on the evidence of the status of age of the account.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX and XXXX XXXX XXXX from Minnesota has sent a letter on my behalf requesting for Equifax to delete the following accounts from my Equifax credit report : XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, MN Child Support XXXX XXXX, University XXXX XXXX : XXXX, XXXX Bank : XXXX, and XXXX Credit Consultants, due to me being a veteran XXXX and a victim of identity theft.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, XXXX  XXXX processed a refund in the amount of {$330.00} to my closed Citi credit account ending in XXXX ( see a confirmation email attached ). The account was closed by Citi in XX/XX/XXXX. On XX/XX/XXXX, I contacted three different Citi representatives ( including one supervisor ) asking them to access the account and verify the receipt of the refund. All three Citi representatives stated that this account was not in their system and that there was no way for them to locate this refund. I offered to provide a copy of my credit card agreement or my old statements to help locate the account. They refused. I'm attaching my old credit card statement and my credit card agreement to this complaint as well.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX was removed off my credit now its back on my credit and its damaging my credit score with Equifax. 

It was reinserted with no knowledge of information that it was going to be reinserted. I am a victim of identity theft and I advised them of that it was not reinstered on XXXX nor XXXX, but on Equifax. 

I would like for it to be removed
Consumer complaint received 2018-10-12
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. (FL)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 



Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. 
These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and Equifax Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following ( Case number # XXXX ) " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through XXXX regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with XXXX that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
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 EQUIFAX MORTGAGE SOL XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 In my complaint with CFBP # XXXX I SPECIFICALLY REQUESTED that Equifax not to reply with there standard response. Unfortunately Equifax continues to not honor my request and continue to damage my credit worthiness and credit score for knowingly and willingly to not COMPLY WITH THE FCRA. I provided evidence that Equifax has previously removed disputed inquiries without me having to contact the creditor. Furthermore, I have contacted the Creditors as Equifax requested and each creditor has told me " I need to CONTACT EQUIFAX ''. Please stop these delay tactics. 
If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/19 i became aware that a loan was open at XXXX XXXX XXXX. I called XXXX XXXX  to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.
Consumer complaint received 2018-05-10
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: EQUIFAX, INC. (TX)

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I leased a vehicle with XXXX XXXX Nissan in XXXX, NC. It was a three-year lease ending XX/XX/2016. In the lease contract, under the heading " Purchase Option, '' it states : " You have the option to purchase this Vehicle 'AS IS ' from the originating dealer ... in cash for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}, which fees, taxes, and costs are not included in the Purchase Option Price agreed to in Section 6. '' The Purchase Option Price under the lease was {$16000.00}. The lease also contains a section defining official fees and taxes as including only " registration, title and license fees, and personal property taxes. '' When I went to the dealership to exercise my purchase option under the lease ( the same dealership I leased the vehicle from ) it tried to charge me an additional " Administrative Fee '' of {$690.00} and an " Electronic Filing Fee '' of {$120.00} in addition to the other official fees and taxes and vehicle inspection costs. When I complained, the sales manager XXXX XXXX, admitted that these administrative fees were not disclosed in the lease contract, but refused to remove them. He said that if I did n't want to pay them, then I would not be able to exercise my repurchase option and would have to return to the vehicle.
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

My original lender and servicer was XXXX. Several years ago when the economy crashed and we lost income, we were unable to pay the property taxes. They are not escrowed in our contract. We pay them ourselves. XXXX was kind enough to pay them for us and we were instructed that money would be moved to the back of the loan. Its never come up or been an issue since, and we've even had other servicers take over the account since then. Several months ago, SPS took over the servicing. Now out of the blue they are saying we owe this money now and their " records '' don't indicate it was moved to the end of the loan. This is either an outright lie on their part or records were not transferred properly. I'm so ill with servicers taking over our mortgage and then claiming their own rules. I had an established agreement with XXXX and even the next servicer, XXXX XXXX XXXX, never had an issue with my original arrangement.
Consumer complaint received 2015-11-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (MD)

I have been contacted several times in regards to collecting a debt from me for a payday loan that I do not recall obtaining. This loan supposedly happened in 2013. I have never received any written documents in regards to this payday loan. For about a year now I have been receiving threatening phone calls from different numbers regarding this payday loan. The calls are coming to my home phone number and my cell phone number. When I ignore the calls it seems as though they come more frequently and more threatening. Also after ignoring the calls from one number for a while, the calls start coming from different numbers. These calls are becoming a nuisance and I would like for them to stop. These people are trying to get me to pay/settle on a loan that I do not remember and pretty sure that I have not taken out. I have a list of the different numbers that they have been calling me from as well as the different companys involved in the harassment. In my last contact with the company involved I obtained the name of one of their representatives. The companys involved are : Highpoint Asset, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Phone numbers involved are XXXX, XXXX, & XXXX. I would greatly appreciated if these calls will stop!