davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (FL)

I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.
Consumer complaint received 2022-07-05
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. (TX)

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.
Consumer complaint received 2022-07-05
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. (NY)

After submitting letters by certified mail to " XXXX XXXX  '' the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, XXXX and Equifax. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

The bank is holding my money and refuse to give it to me, due to it not being a business account. Its been almost a year in a few weeks since this has been going on. They wont let me close it and its XXXX $ in there.
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-13
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. (AL)

I have sent letters to Equifax, XXXX, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: N.A.R., Inc. (UT)

On XX/XX/XXXX I received two calls, back to back, that popped up on my caller ID as NAR. 
When I answered the second call, they introduced themselves as calling from XXXX XXXX XXXX XXXX. 
I confirmed no business with said company and asked the reason for the call. 
Once I verified my name, they switched their identification to North American Recovery. 
They called again, twice in row on XX/XX/XXXX, and contacted my spouse twice in a row. Unfair collection practices identifying themselves as another company, and placing continuous calls.
Consumer complaint received 2018-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-05
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 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 2016-03-27
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have been a toyaota customer since XXXX, recently I renewed my lease for a newer model as is my option. I recently discovered, that my credit report has XXXX hard inquiries on the same vehicle. Why would Toyota need to have XXXX inquiries that appear on all bureaus, I was approved and signed the papers on XXXX the date of the initial inquiry? I was not advised that an additional credit inquiry was being made. I authorized XXXX. TOYOTA MOTOR Inquiry XXXX XXXX, XXXX TOYOTA OF XXXX Inquiry XXXX XXXX, XXXX I have requested a correction and have not received a reply or response. In addtion I am the Co-Signer on a vehicle and I am not botified of any issue with the payment but my credit was noted 30 days late. I am of the impression that due diligence requires that I am to be notified so I can resolve prior to affecting my credit. This vehicle was a issue and a complaint was never responded to, the initial payment was said to be XXXX, after a reveiw additional service was added when this was discovered before the first payment they revised the contract and the new payment was XXXX. I have reuested a copy of the initial contract since this chanrge was not disclosed. Causing a lower model to be purchased to fit budget, when it was not a valid accurate amount. These XXXX transactions lowered my credit score XXXX points..
Consumer complaint received 2022-02-09
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. (OH)

The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I had a refund on my charge card, in turn I transferred a portion of the refund amount to my checking. Days later I saw there was a cash advance fee of {$27.00}. 
Why was I charged a " fee '', when using my own money? 
XX/XX/23 Spoke first with XXXX then with XXXX with Truist. XXXX submitted form to have the cash advance fee removed. I checked back on Thursday ( same week ). The fee had not been removed. Informed by XXXX on XX/XX/23 that fee could not be reversed. I submitted a letter to the Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. No response.
Consumer complaint received 2021-08-26
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. (IL)

there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2023-07-05
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: Westlake Services, LLC (NV)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-07-05
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
Consumer complaint received 2022-07-05
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
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Ive called to Experian and requested to have old addresses removed from my report. According to the Fair credit reporting act I have the ability to dispute these erroneous mistakes of addresses that are causing these negative items that do not belong to me to report on my credit. This is causing me great harm and stopping me from getting my home. I want these addresses removed ASAP.
Consumer complaint received 2023-05-30
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

XX/XX/2021 - {$2500.00} XXXX {$1800.00} Those funds fully posted on my account those days and now my account is locked and Citibank says they can't give me my money because my number is registered. That doesn't make sense. My phone is in my name. They also said it has to be a number on my public records. This is absurd. I want my money and the account closed
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by XXXX XXXX or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And XXXX XXXX keeps adding interest to the original balance that has not been verified.
Consumer complaint received 2021-12-13
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. (VA)

CFPB response indicates that the response will outline the steps taken to resolve, and/or address my complaint. The attached response along with my initial detailed complaint is unsatisfactory and doesn't provide any details regarding what steps were taken to resolve only that I would receive something in the mail. Please provide details in agreement with the disclosure on the CFPB site. See attached. Completely unsatisfactory. Please provide details and when I can expect to receive payment based on violations to prevent further escalation
Consumer complaint received 2018-07-08
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: Experian Information Solutions Inc. (FL)

I have tried this a couple of times and customer service would NOT remove the inquires and their is even a fraud alert on my credit report in reference to the fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These Inquires NEED to be deleted as soon as possible!
Consumer complaint received 2023-07-05
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. (PA)

In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named XXXX XXXX, from an old XXXX account. I contacted XXXX XXXX and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or XXXX XXXX. Because I had never previously opened an account with XXXX XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. Forty Seven ( 47 ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait 45/50 minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft .Gov. In XX/XX/XXXX, I have also Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Consumer complaint received 2019-08-06
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. (TX)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2021-12-13
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. (MA)

I have been disputing Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX with TransUnion LLC since the end of XX/XX/XXXX. The account in question does not belong to me, this was opened without my permission and is a fraudulent account. I've disputed this account over a dozen times and I receive no real resolution. TransUnion LLC has deleted this account form my report multiple times and keeps on re-inserting it without due notice. This action violates the FCRA under illegally re-inserting accounts back into a credit file without following the instructions completely. I have done everything that can be asked of me in order to permantely remove this account from my file. I have submitted the following documents. A Police Report, FTC Identity Theft Report, a previously filed CFPB complaint report filed against XXXX XXXX XXXX XXXX and TransUnion LLC. copy of my bank statement showinf that these funds did not go through my bank, copy of my cell phone bill showing that the phone number the bank has on file is not mine, copy of my email account details showing that I have been using the same email address since the XXXX 's and that it doesn't match with the email address that the bank has on file. I also provided a photo of my computer screen, showing my ip address and that it does not match with the ip address that the bank has on file. All of this evidence that I have provided XXXX XXXX XXXX XXXX and TransUnion LLC with should clearly show this account doesn't belong to me and was never opened by me PERIOD... I have also filed a complaint against XXXX XXXX XXXX XXXX and TransUnion LLC with the FTC. I find this whole process very frustrating and pointless. I have submitted the same exact information to the other XXXX credit bureaus XXXX and XXXX. They both have deleted this account form my credit file months ago with no extra effort or drama. I don't understand how a company can be so unprofessional, unhelpful and not willing to work with their consumers and resolve an issue that their other counterparts seem to have no issue in resolving?? Why does this credit bureau exist if they can't even resove something that is their job and that clearly XXXX other companies that they work with have already resolved and in record time may I add???
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC (CA)

Time-Barred Debts ( OLD DEBT ) If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years known as the statute of limitations to sue you to collect. After that, your unpaid debts are considered " time-barred. '' According to the law, a debt collector can not sue you for not paying a debt that's time-barred. 

I have WINN LAW GROUP collecting on it from my paycheck. 
I assume financial responsibility raising a family and supporting 100 % my permanent XXXX Mother for 4 years now. 

I cant afford such cut back of wages putting my daughter, wife and mother at risk of losing everything. Rime-Barred Debt is illegal to collect on by the FDCPA and the FTC. 

Amount of 25 % of my paycheck is going to a debt which became a tax write off for the bank and a profit for WINN LAW GROUP buying it pennies on a dollar. 

Total debt WINN LAW GROUP wants to collect of {$6500.00}