davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX XXXX. 

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (TX)

XX/XX/2021 : Sent XXXX XXXX XXXX a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Sent XXXX a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent Experian a letter requesting validation for these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REF # XXXX It has been 30 days and I have not been notified of the status of the validation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX, Equifax and XXXX are attempting to suppress my Credit Score, Credit Report and my FICO Algorithm by Not reporting ( ACCURACY ) as required under the FTC and you CFPB 15 U.S.C. instructional directives for Fair Credit Reporting Act, section 1681 & 1682. Tradeline, account ; XXXX XXXX XXXX, account ending XXXX balance was paid and there isn't a {$2000.00} balance. XXXX XXXX, loss mitigation with XXXX XXXX XXXX along with the XXXX  of the XXXX XXXX, XXXX XXXX has assured me that they have Reported this account as a PAID, XXXX balance as of XX/XX/year> for which I paid as a XXXX Consumer. Also my Vehicle with XXXX XXXX XXXX is being suppressed as well in it's intentions by XXXX, my high credit is {$27000.00} the balance is {$13000.00}, this is a charge off account, there are No Terms, there's no {$590.00} a month payment due, there's no 60 month. I need both XXXX, Equifax and XXXX to get their Discriminatory knee off my Consumer neck as a XXXX Consumer in their attempt to suppress my Credit Score, Credit Report and FICO Algorithm by Not reporting ( ACCURACY ), I see the threat, but I Fight Back, undo this apparent threat ( you ) the Consumer Financial Protection Bureau. Also there's a Chime account on my Credit Report showing a {$63.00} balance owed, this is a secured credit card, I never had a balance on this credit card, I spoken with XXXX  on several occasions and they've confirmed that they've never Reported a Balance due on this account, XXXX undo your Threat to me personally as a XXXX Progressive Consumer with eyes to see and ears to hear. Also there's an account, XXXX XXXX XXXX, Collection account, Not a other account too, but these criminals are Reporting both in the Algorithm cycle with intentional efforts of suppressing my Credit Scores, but I FIGHT BACK as a XXXX Consumer. Bottom line, XXXX take this Collection account out of the Other section of my Credit Report, I see you and I see what you are doing and attempting, but again as a XXXX Progressive Consumer, I FIGHT BACK like exposing you criminals with the CFPB, I would handle this in Federal Court, but I've got 2 in front of you criminals, see I'm Not interested in these XXXX XXXX and XXXX XXXX  against me as a XXXX XXXX XXXX. XXXX I'm on to your threat and your Game, but leave me alone, Stop with the XXXX XXXX threats, I FIGHT BACK but only in the Courtroom.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : 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 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  I kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I obtained my Transunion and XXXX credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. Transunion and XXXX  has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. XXXX  sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2019-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERI Financial Services (VA)

Over the past 3 years RI Financial ( XXXX ) has called my number looking for XXXX XXXX. 
I have told them 4 or 5 times that we do not know a XXXX XXXX, never have,, and that this number is wrong number for him. Twice the representative has said he would make a note that this is wrong number. The calls continue several times every day.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For no reason, Capital One restricted/ closed my account without any notice or reason why. I've been a loyal customer for many years always paying my account on time and keeping a low balance. I've never disputed and issues on my card so I don't understand why they could say my card is possible fraud. That is not true. I am the owner of this account and I have for many years. I pride myself on my good credit and payment history. They also requested that supply IDs and social security cards for my authorized users. I don't understand why, I'm paying the bill monthly, most of the time in full.
Consumer complaint received 2018-09-05
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. (FL)

Account Type : LEASE Account Number : XXXX My payment due date is on the XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing XXXX.
Consumer complaint received 2018-09-05
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 Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (NV)

Innovis is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX/XXXX.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My checking and saving account were frozen as a result of the investigation being conducted by the XXXX XXXX Sheriffs Department. After the conclusion of their investigation $ XXXX was seized. The account remains frozen subject to an investigation by the United States Secret Service Department, XXXX Branch, investigation agent XXXX XXXX ( phonetic spelling ). My attorney who is submitting this complaint on my behalf was told by the XXXX XXXX that they had concluded their investigation and authorizes the release of all funds. When my attorney informed me of this, I attempted to obtain by funds and found that Saving Account is released but Checking account is still Frozen. Bank of America Customer Service is not giving any information about my Checking account. As a result I am filing this complaint.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.
Consumer complaint received 2018-09-05
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. (TX)

i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with XXXXXXXX XXXX XXXX not XXXX XXXX XXXX or Pressler & Pressler - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with XXXXXXXX XXXX XXXX and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought Pressler and Pressler for legal debt advice to come after me for a debt i don't owe them.
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

XX/XX/18 : Saw a car listed on their website. PRICE IS CLEARLY {$8900.00}. Inquired about it and eventually applied for financing.XX/XX/18 : Received a call from XXXX informing me I had been financed. Told me the FINANCE COMPANY raised the price of the vehicle from {$8900.00} to {$11000.00}. I have another account with the company so when he mentioned the name I decided to hang up with XXXX  and give them a call. This finance company had no idea what I was talking about! Furthermore, the finance company explained to me in detail why they have nothing to do with car pricing. I immediately called XXXX back, explaining to him I knew someone was lying. He transferred me to XXXX  who made up a seemingly ridiculous story about finance companies " charging fees '' because I was a higher risk borrower. She stood by their claim that Credit Acceptance Corp ( who I have already filed a CFPB complaint against ) insisted on charging me a " fee '' of {$3000.00} in addition to requiring $ XXXX/monthly for 48 months on a ten-year-old car.

Summary : Car original price = {$8900.00}. XXXX & XXXX tell me we have a deal with Credit Acceptance Corp. CA is requiring a " fee '' of {$3000.00} immediately added to the sticker price of {$8900.00} ( which CA denies ). I am told to pay {$3000.00} fee + {$2500.00} down payment + ( {$430.00} x 48 ) = {$26000.00}!!!! Again, it has to be illegal and unconstitutional to pay over {$26000.00} for a car originally priced at {$8900.00}. All of these subprime lenders and car lots are LIARS that just want to SCAM innocent Americans, forcing desperate people into deals they know are horrible and probably illegal. They should be shut down immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : Ending with XXXX XXXX XXXX Account No. : Ending with XXXX XXXX XXXX XXXXXXXX. Account XXXX. : Ending with XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX keeps reporting the same time barred debt on my XXXX  Credit report I have disputed several times and XXXX  says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX  claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation (MN)

I recently checked my balance on the card and was told by the company that there was XXXX $ in my account, I then attempted to use the card to withdraw XXXX $ from an atm and was told there were insufficient funds. Immediately afterwards I checked my balance and was told there was XXXX dollars in the account with no explanation as to where the XXXX $ went. This all occurred on XX/XX/18, there was less than an hour in between the times I checked the balance and no explanation as to what would cause a XXXX $ disparity when no purchases were made on the card.