davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (TX)

We stayed in the Apartment ( XXXX XXXX XXXX ) ( not properly walkthrough fixed many things took 3 months ) ) last three years and moved out because of the Roches and vandalism every year ) We have small kids and affecting their health, unhygienic situations because apartment management fails to maintain the property. Last three years of destruction, we lost about a good amount of money ( complaint in XXXX police department ). Agreed to terminate the contract, and we arranged to pay the termination fees of {$2300.00}. When we are moved out, we ask you ; please give a payment plan we can pay off. The Apartment said no, and you will get a final invoice, and you can pay there. After I noticed that they sent to termination fee collection company IQ data international, we are still not getting any final invoice from IQ data global. When they called, I gave credit card. They said they would not take XXXX XXXX. This company was treated very disrespectfully and threatening that if you are not paying the amount, we put information in a credit report, or you will go to jail face the consequences consequence. 

We beg them please give payment plan because of the uncertain situations about the job we request we will pay off within 3 months. they said we can do but regardless we will put this on your credit and you need to get a loan or a high amount to pay off.
Consumer complaint received 2017-07-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OH)

in XXXX OF XXXX started looking for a building to put my life long dream of opening my own XXXX XXXX  my loan officer was XXXX XXXX worked very hard an on to get my loan closed after a lot of hard work my SBA ; loan was approved by XXXX XXXX on XX/XX/XXXX from us BANK. XXXX XXXX XXXX  Left the bank in early XXXX That 's when my troubles stared the building I was sold for cash. I had to restart the loan with SBA XXXX XXXX XXXX stated dragging his feet every time I give him paper work he all would ask for more ask for more he lie so many times I lost count : after working with him to close my loan : he came to my home sat at my table to go over my last loan papers he sad they ready to close : we had been working on them for about six months after all the late nights long hours he stated you ready but you just one more form to fill out ; two days later he called Stated we have some bad news back in XXXX you filed chapter XXXX but just write a letter tell them just what happen : he called the next day stated that they will not closing on my loan!!!!
Consumer complaint received 2022-12-01
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. (IA)

I was taking advantage of due to malpractice while several laws were being broken under the FCR BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an XXXX LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I was taking advantage of due to malpractice while several laws were being broken under the FCR BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an XXXX LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I continue to dispute and this is my second complaint regarding XXXX, Experian and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency cannont furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-27
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. (SC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Previous complaint number XXXX. Company responded to the complaint with the following : There is no question that the consumer provided insurance information on the dates of service in question XX/XX/XXXX andXX/XX/XXXX, however, the consumer 's carrier denied payment for the claims. We have flagged the accounts as in dispute, and have provided the consumer with the required validation. We have verified with our client that the information being reported is accurate. My response to new complaint : If my insurance carrier denied payment for the claims you mentioned, this means that they notify you and they notify me. They never notified me, if they had notified me I would have investigated the reason back in XXXX. Therefore, I am sure that they notified you, so you have documents to back it up. Please provide those documents so I can contact the insurance carrier to investigate why they denied the claim and did not notify me.
Consumer complaint received 2022-12-01
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. (CA)

I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from these accounts : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-20
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. (AL)

I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released XXXX XXXX XXXX State lien XXXX XXXX XXXX State lien XXXX XXXX XXXX KY higher XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX city of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have consistently maintained timely payments for this account, and it is distressing to encounter issues for actions I have not committed. I urgently request the rectification of my account and the removal of any erroneous information that is causing me undue stress.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear CITIZENS AUTO FINANCE ; XXXX ; XXXX ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Starting this past XXXX a company called XXXX started charging fraudulent purchases on my Bank of America Visa card. I called BofA, got credit for the fraudulent charges and a new credit card. 

With someone at BofA, I spoke with someone at XXXX  in the XXXX at least three times. They were useless, saying that I didn't have an account with them. Indeed, that's the point. They were singularly uncommunicative about where these repeated charges came from. 

In spite of the new credit card, the same company charged more fraudulent charges on my XXXX bill. How the company got the new credit card number remains a mystery, except for XXXX claiming they have a policy of informing recurrent charging merchants the new cc number. This is insane ; the whole point of a new card is to vitiate such fraudulent charges. 

BofA also claimed to have put a block on XXXX. They've claimed this each month that we've " dealt '' with this issue. To no avail. 

But to no avail. Please see the attached set of statements from XX/XX/XXXX to XX/XX/XXXX, showing recurrent frauds every month, in spite of 5 CCs in four months ( the most recent two CCs I didn't even activate.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

i got denied credit and an opportunity after a credit check so i pulled my credit report to see why when i did i noticed that i have a bankruptcy reporting on my credit report so i reached out to the court listed on the bankruptcy they weren't able to verify that there has been a bankruptcy filed in my name they also let me know that they do not report anything to the credit bureaus so i am curious how the bureaus verified and validated that the bankruptcy does in fact belong to me. XXXX has already removed this inaccurate information from their records. I want a notarized letter or affidavit swearing under the perjury of oath that this bankruptcy does in fact belong to me i have been trying to get this issue resolved for months you are reporting inaccurate information, and you ae violating my rights to privacy as a federally protected consumer, I demand this inaccurate information be deleted from my consumer reports within 4 days of receipt of this complaint I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Consumer complaint received 2021-03-09
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: CITIBANK, N.A. (TX)

I found two hard inquiries on my XXXX credit report, one for Citibank on XX/XX/XXXX, the other for XXXX XXXX in XX/XX/XXXX. Both of these brought down my score and I have no association with them whatsoever. I believe someone used my information to finance some furniture or open up a new card.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is XXXX
Consumer complaint received 2021-07-21
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. (NY)

i got denied credit and an opportunity after a credit check so i pulled my credit report to see why when i did i noticed that i have a bankruptcy reporting on my credit report so i reached out to the court listed on the bankruptcy they weren't able to verify that there has been a bankruptcy filed in my name they also let me know that they do not report anything to the credit bureaus so i am curious how the bureaus verified and validated that the bankruptcy does in fact belong to me. XXXX has already removed this inaccurate information from their records. I want a notarized letter or affidavit swearing under the perjury of oath that this bankruptcy does in fact belong to me i have been trying to get this issue resolved for months you are reporting inaccurate information, and you ae violating my rights to privacy as a federally protected consumer, I demand this inaccurate information be deleted from my consumer reports within 4 days of receipt of this complaint I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Consumer complaint received 2019-09-26
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: Experian Information Solutions Inc. (MN)

XXXX  ; Experian and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2018-05-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA, an auto finance company was verbally told to no longer call me after a XXXX XXXX XXXX but instead to communicate with my wife.Since then I have gotten repeated calls from them all day every day using many different phone numbers. Even though I block these numbers they seem to have an inexhaustible supply of them. Numbers include but not limited to ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are actually a very small sample of the numbers I have blocked and yet still receive calls from every day, no voice message is ever left. My phone identifies these as bad numbers coming from Santander Consumer USA.
Consumer complaint received 2022-12-01
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)

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from these accounts : XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2021-03-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

INFINITI FIN SVCS Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

I received a letter forwarded from a very old address for me stating I owed them money for a XXXX  toll bill.

I pay my tolls through a TX tag that is linked to the XXXX system and I do not owe the XXXX any money.

On XX/XX/2019 I faxed a request for them to validate the debt and a cease and desist letter ( attached ).

They never responded with a validation.

This morning, XX/XX/2019, they have called me over 30 times as of XXXX XXXX claiming they are collecting on the debt. A few times there has been more than one person on the phone and they pretend like they can not hear me.

This tactic is clearly meant to harass me and is in clear violation of federal law.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2021 I entered into an agreement with XXXX resurgent to settle a debt from the creditor, XXXX XXXX. I entered an arrangement to pay {$310.00} a month for four months. ( XXXX XXXX, 2021 XXXX however, in XXXX I could not make the payment, I asked the XXXX resurgent if I could resume payment in XXXX. They said no. They said that I would have to set a new settlement and payment arrangement. They told me in order to do this that I would have to pay {$50.00}. I paid the {$50.00}. The agent called me back to set up a new settlement a few weeks later. However, the company went ahead ant took {$310.00} out of my account during the month of XXXX, 2021. This was after they told me that my settlement agreement was voided due to the XXXX missed payment. Also, when they called for a new settlement, they did not factor in any of the payments that had been made. They attempted to reach a settlement for the original amount from XXXX  XXXX. And not the four payments of {$310.00}. 22
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.