davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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)

I DID NOT MAKE HARD INQUIRIES. I CALLED EACH COMPANY AND THEY COULD NOT VERIFY WITH ME HOW IT HAPPENED. XXXX  HAS DELETED EACH INQUIRY. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NJ)

Some company by the name of Sequim put a collections from XXXX XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX. I have had another cable in my for years. I want this removed from my credit.
Consumer complaint received 2022-09-26
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint requesting that the Credit Bureaus take action to my Credit File and have the disputed items corrected and or removed from my Credit Report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. I am taking a thorough look with my Credit report and took notes of the following : a ) There are accounts that were already closed and the balance is XXXX and yet these accounts are still reported as late ; b ) There is a charge off account that is not charged to me. This accounts shows that the account was pad and that the balance is XXXX ; c ) There are accounts that were already deleted from the other Credit Bureau but is still reported on some Credit Bureaus ; and d ) The disputed accounts ' disputed status indicates " Account not Disputed ''. How could the Credit Bureaus report the accounts as " accounts not disputed '' when I have been disputing this accounts by sending dispute letters as well as CFPB Complaints addressed to the Credit Bureaus and when in fact the Credit Bureaus have been responding to my CFPB complaints through the Consumer Portal. This action by the Credit Bureaus makes me doubtful of them. I need the Credit Bureaus to stop their erroneous reporting and delete the disputed items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-06-14
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. (NJ)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021
Consumer complaint received 2024-03-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an Amex Gift Card and activated it as required before it could be used. The Amex website portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance. I have attempted to use these funds with various online merchants such as XXXX and XXXX ( using {$1.00} less than the face value of the card ). And all the transactions have declined. I then tried again with various other amounts less than the full face value with no success. Many people have reported having this problem starting this past year.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I had a collection account on XXXX  that was removed and after about six months the account was added back to my credit profile.

According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give XXXX  written permission to furnish a consumer report about me, nor specific entries contained within a consumer report. 

As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that XXXX  remove the collection account that XXXX XXXX ( also known as XXXX XXXX XXXX ) illegally placed on XXXX  as well as Equifax. 

Thank you, XXXX
Consumer complaint received 2021-04-15
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. (CO)

XXXX XXXX Experian XXXX XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been closed and is reporting a {$0.00} balance due. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. The vehicle was deemed a total loss and the insurance paid any remaining balance due. There are no lates to report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-07
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. (GA)

Transunion Please Vaildate the correct balance and Please DELETE THIS INACCURATE INFORMATION YOUR COMPANY IS REPORTING ON A CLOSED XXXX XXXX ACCOUNT THE CREDIT REPORT STATES MY BALANCE IS {$5600.00} But i have a certified letter from XXXX XXXX which I will attach XXXX STATES THAT THE BALANCE IS PRINCIPAL BALANCE IS {$5600.00} & INTEREST BALANCE IS {$1200.00} so the total balance should be {$6900.00} which is highlighted in the letter PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAINE & WEINER COMPANY, INC. (PA)

My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
Consumer complaint received 2023-06-26
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: LEXISNEXIS (AL)

I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT AND THERE RESPONSE IS ENCLOSED. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER A ERROR OR A LIE. 

EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSOMUST BE DELETED.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (PA)

XXXX Original complaint This process is still going on with no resolution in site. Freedom Mortgage is now asking us to pay a rate extension which according to company response they were totally responsible for issues and will extend the rate. No one at Freedom can give us an answer all we get is the run around. Everyone you speak to gives a different story but no one can get this refinance closed We owe them no documents so if they respond they are missing items it is bogus. 

There initial response waiting on income verification was bogus as this process is still on going and now they want us to pay a rate extension. This was always about changing the rate on us.
Consumer complaint received 2022-07-07
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, 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 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2019-08-02
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX and XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/2019 I sent Convergent a Debt Validation letter requesting that they send me a contract with my signature on it as proof that the debt is mines. I also requested that they send me validation of the money that they are saying I owe, explain and show me how the balance was calculated, provide me with copies that show I agreed to do business with them, a verification or copy of any judgment applicable, identify the original creditor, show me that they are license to collect in my state and provide me with license numbers and Registered Agent or Agent of Services. The only thing that I received in response was a letter stating that the investigation was complete and the debt was valid. They attached a bill that only showed the amount due but they did not attach a signed document stating that this debt belonged to me. I have no knowledge of ever having a XXXX XXXX account and therefore this debt does not belong to me. On XX/XX/2019 I sent a 2nd Debt Validation request to Convergent Outsourcing, Inc askign for the same documents that I asked for before. They sent me a letter dated for XX/XX/2019 stating that they are not currently handling the account anymore and that they will submit a request to the credit reporting agencies to delete the collection. As of XX/XX/2019 the collection is still listed on all 3 of the credit reporting agencies stating that I still owe this debt.
Consumer complaint received 2022-09-26
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)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. USDOEXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

credit reporting agency reported two late payment accounts with XXXX XXXX XXXX on their system. A dispute was submitted by phone and through the online site on XXXX XXXX with validation from the companies of the error.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

From XX/XX/XXXX until XX/XX/XXXX My debit, XXXX, XXXX XXXX transaction were misleading and never deposited in my bank of America, my funds were deliberately misleading and falsified causing money to be taken from leaving my account with a large negative balance which is not common for my type of account. My ATM transactions of {$200.00} were false and some kind of way manipulate/ altered. The bank is forcing me to pay them to correct their misleading information/ practices/ inaccurate calculation. my money was taken and my strict debit account doesn't allow the transactions that accured. Bank of America is blaming the merchants on my account and myself from them not processing any direct deposits, XXXX payments, XXXX XXXX deposits and etc on the same day. They are scamming me out of {$230.00} to rectify the burden they put upon me. I've been with them for years and have never seen or experience this ever. I'm currently in XXXX Alabama where there isn't any bank of America locations. I can only access them online, via phone and it's a total nightmare paying double fees and not having access to a local branch when things like this happen. Bank of America has changed drastically and really doesn't care about certain customers anymore its frustrating and unfair having to do deal with rude and unlogical agents. The ethics don't go along with the advertising, benefits and encounters with BANK OF AMERICA.
Consumer complaint received 2021-06-14
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)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (FL)

I disputed this collection account with XXXX to have account deleted. XXXX closed the dispute and claims the collection agency claims I still have a balance with creditor which is a lie. I have proof that account has been paid to the creditor and there is a XXXX balance.
Consumer complaint received 2021-08-24
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: Santander Consumer USA Holdings Inc. (NY)

XXXX  has knowingly violated FCRA 15 U.S.C. 1681n Civil liability for willful noncompliance. They have not responded within the allotted time. They have also violated 15 U.S.C. 1692g, this agency was to notify me of this in writing five days prior, I was not notified. As the original creditor only I can validate this debt. I do not validate this debt. I have also been involved in identity them these items on my report are not mine. 

XXXX XXXX XXXX Account number:XXXX Child Support Enforcement Account number : XXXX Santander Consumer Account number : XXXX
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MO)

I received a promotional offer for a XXXX XXXX through my Care credit card on XX/XX/XXXX. I purchase the treadmill through this offer on XX/XX/XXXX. I never received a confirmation or anything from XXXX confirming the order. In XXXX I received a called from the shipping company to deliver the treadmill. I received the treadmill on or about the end of XXXX of XXXX. The treadmill was assembled properly but the handheld speed and incline did not work. I called XXXX numerous time but was left on hold for more than an hour so I decided to send emails and just got auto-replies with no call back. I decided to call care credit to get this issue resolved on XX/XX/XXXX. Care Credit sent me the decision about 3 weeks later advising it's under warranty and to call the merchant. I tried the merchant again. I just got the same thing, left on hold and not responding to emails. I called Care Credit again on XX/XX/XXXX to advise I can not get in contact with the merchant so they put the transaction back in dispute again. Care Credit again sent the same response to get in touch with the merchant. I'm unable to get in touch with the merchant to get this issued resolved and Care Credit is not really helping me to resolve the issue.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Billing disputes — 
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel Financial is in clear violation of the Fair Credit Reporting Act and are refusing to investigate or remove late payments that I feel are in accurate. I sent them a dispute letter and rather than perform an investigation, they sent a computer generated template letter accusing me of credit repair. I asked for them to look into two payments on XXXX 2013 and XXXX 2013. They failed to even look into it and are asking me to provide documentation. That is their job.