davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all XXXX credit bureaus trying to get negative inquiries removed, and all XXXX were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. 
Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was Experian that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
Consumer complaint received 2022-10-05
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. (CO)

I HAVE CONTACTED EXPERIAN AND XXXX IN REGARDS TO THE FRAUD. 

I HAVE ASKED EXPERIAN TO PROVIDE ME WITH INFORMATION ABOUT THE ACCOUNT AND THE METHODS USED TO VERIFY THE SAID ACCOUNT. EXPERIAN HAS BEEN PROVIDED VALID POLICE AND FTC AND ID THEFT AFFIDAVITS. 
EXPERIAN DOES NOT VERIFY THE ACCOUNTS IN ACCORDANCE TO THE FCRA I HAVE REVIEWED MY CREDIT PROFILE AND NOTICED THE INACCURACIES AND/OR INCOMPLETE INFORMATION, AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FCRA SECTION 611 5 A OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 

ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681 EVREY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN NON COMPLIANT INCOMPLETE UNTURE, INCORRECT AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIREITY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETLY DELETED I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH THE PERMAMENT DELETION OF THESE DEGRATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFACTION THAT YOU ARE ADHERING TO THE MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REULATIONS. 

THE FOLLOWING DEGRATORY ACCOUNTS ARE ALLEGATIONS ARE EITHER UNTRUE UNVERIFIED, INCORRECT, UNTIMELY, NOT MINE, NOT MY RESPONSIBLITY OR OTHERWISE NOT PROVEN COMPLIANT TO REGULATORY FEDERAL REPORTING LAWS AND STANDARDS AND MUST BE REMOVE IMMEDIATELY DO SO TODAY EVEN RIGHT NOW THE OBVIOUS INFRACTIONS AS FOLLOWS ALLEGING CREDITOR AS IS REPORTED ON MY CREDIT REPORT IS XXXX ACCOUNT XXXX THIS ACCOUNT IS FRAUD. EXPERIAN HAS BEEN GIVEN FTC REPORTS, POLICE REPORTS, ID THEFT AFFIVADTS AS PART OF FRAUD. 

XXXX XXXX XXXX ACCT XXXX EXPERIAN HAS BEEN GIVEN POLICE REPORTS OF FRAUD AND FTC REPORTS AND ID THEFT AFFIVADTS AS WELL BY THE PROVISIONS OF THE FCRA AND PER THE STANDARDS OF REPORTING COMPLANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX METRO 2 COMPLIANCE REQULATIONS, I DEMAND THAT THESE ABOVE ACCOUNTS MENTIONED DEGRAFATORY ITEMS BE INVESTIGATED AND PREMANTELY REMOVED FROM MY REPORT. 

I AWAIT YOUR REPLY AND WITH THE ABOVE REQUESTED PROOF UPOIN RECEVING IT I WILL CORRESPOND BACK WITH YOU BY CERIFIED MAIL
Consumer complaint received 2023-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent in a Dispute to EQUIFAX on XX/XX/2022. I alerted the CFPB, that the Investigation took longer than the Recommended and REQUIRED 30 DAYS ALLOWED by FEDERAL LAW. 

I've Received a Notice from Equifax stating : " We've added a promotional suppression to your Credit File '' Then turns around and relay : " We Can not LOCATE your CREDIT FILE. '' They ARE IN VIOLATION of my FEDERAL RIGHTS as a Consumer. 

15 U.S. Code 1681i - ( B ) - Procedure in case of disputed accuracy 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Consumer complaint received 2021-03-09
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation (TN)

Collection letter was mailed to me for attempted debt collection of XXXX medical accounts already paid in full. The payments were to the same collection agency. I called the original creditors and confirmed payment was received. The collection agency, Revenue Recovery Corporation,XXXX.tn.,XXXX.XXXX was attempting by fraud and misrepresentation to collect the debts XXXX.
Consumer complaint received 2018-05-17
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. (DE)

FRAUD INQUIRIES THAT I DISPUTED WITH ALL CREDITORS LISTED THAT A FRAUD AND TO BE REMOVED AND NOT ONE CREDITOR HAS REMOVED THE INQUIRIES NOR HAS TRANSUNION >>>>>XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX  ) XXXX   XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX   XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX Collections
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sol Acceptance (CA)

I paid off my car back in XX/XX/XXXX a title was sent to me with the company Sol acceptance listed as the lien holder. 

I have been unsuccessful at getting a clear title for my XXXX XXXX XXXX. I asked for a hardship to waive the {$20.00} fee that can only be paid via a XXXX XXXX  and they charge a fee. 

I went to the DMV today XX/XX/XXXX and was a informed that SOL acceptance should not be charging me a fee, to prove my car loan was paid off. Sol acceptance stand their growing and wont wave the fee. I am experiencing a hardship finically and ask for a waiver. Sol acceptance DMVS Electronic Lien and Title ( ELT ) Program denied it. I had to borrow money from an abusive ex to get the money to Sol acceptance. 

I was involved in a bad car accident which I am recovering and have not received any XXXX or insurance payout. Therefore {$24.00} is a lot money for me. 

I dont understand why I have to pay a fee to have Sol acceptance release off my title. When the DMV tells me I should not be charged a fee and that once my car was paid off the lender was suppose to notify DMV.

According to the DMV sol acceptance participate in the electronic lien and title. Once a consumer pays off the loan Sol acceptance complete the necessary paperwork online to release them off the title. Instead they sent me the title advising me it was my responsibility once the mailed the title to me along with a paragraph letter stating my loan was paid off, that I had to reach out to the DMV. Only to be told by the DMV that I would have still need the lender to provide me with a signed form reg 166 to remove the lender. All I know is Sol acceptance is telling me something different than what DMV is stating. Of all my years of getting a clear title after paying off the loan. This is the first issue I have had all other lenders sent me a clear title not Sol acceptance. To the DMV it looks as if I still owe them. Which I dont owe them any money. They sent me a check for overage payment but no clear title.
Consumer complaint received 2023-03-29
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. (WA)

XXXX XXXX XXXX. 

Account number : XXXX Account type : Unsecured Date opened : XX/XX/XXXX Status : Open. {$57.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$57.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2019-10-01
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. (MO)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 150 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

On several occasions I tried to explain that I sold this car ( XXXX ) to the dealer and purchased another one from them the XXXX. In additioni paid the dealer almost {$5000.00} which included all fees, taxes etc., etc. Now 6 months later the leasing company XXXX XXXX XXXX decided that I owe them {$460.00}. I don't owe them anything. If there was an underpayment, it is the Dealer who owes the money, not me. 
Now, they are playing games with the credit bureaus, reporting me as delinquesnt. As a result my FICO score has dropped 50 points which means my credit worthiness is below the good line.

Terrible business whereby a large giant foreign company can manipulate my credit score. I am  almost XXXX years old, pride myself as being a good citizen and honest person and one whopays his bills on time. All my accounts are up to date except Hyundai. 
They are completely unreasonable, knowing they are hurting my credit they refuse to remove this from my account. Well, I will not pay for something I don't owe.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (MO)

After I found this collection agency, Mountain Run Solutions, on my 3 Consumer Reports I sent them a Notice of Dispute and Demand for Proof of Claim. I requested full verification of the alleged debt owed within 10 days or I would " construe their failure to comply as their absolute waiver of any and all claims against me. '' ( certified letter delivered XX/XX/21. ) I told them that since I hadn't established a financial obligation with Mountain Run Solutions, they have issued a False Bill by trying to collect by mail.

I outlined the US Codes that defined Mail Fraud, Creditor, Debt, Debt Collector. 

XXXX XXXX of Mountain Run Solutions responded to my Notice with another attempt to collect a debt, dated XX/XX/21, offering to delete the account from all credit bureaus in exchange of me paying a lower amount ( {$1500.00} ) than originally alleged to be owed ( {$2100.00} ). He also sent minimal verification documentation.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am writing to file a complaint against XXXX regarding their failure to redeem my rewards and inability to log in to my account. I previously submitted a complaint XXXX XXXXXXXX to the company and received a response that I should be able to redeem my rewards. However, I am still unable to access my account and redeem my rewards. 

On XX/XX/2023, I attempted to log in to my XXXX account to redeem my rewards. However, I was unable to log in despite entering the correct login credentials. I attempted to reset my password multiple times, but the system did not recognize my email address associated with my account. 

I believe that XXXX has failed to provide adequate support and services to me as a consumer. Their inability to resolve my issue in a timely manner has caused me significant frustration and inconvenience. 

I request that XXXX resolve this issue immediately by providing me with access to my account and allowing me to redeem my rewards. I also request that they improve their customer service and support to ensure that other consumers do not experience similar issues in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (OH)

FNBO CLOSED MY ACCOUNT ON XX/XX/XXXX WITHOUT NOTICE AND THE BANK FILED A CHARGE BACK ON ALL MY XXXX PURCHASES CAUSING ME PROBLEMS WITH XXXX AND MY XXXX XXXX ACCOUNT. BECAUSE THE BANK TOOK IT UPON THEMSELVES TO CLOSE MY ACCOUNT AND CHARGE BACK THE XXXX PURCHASES, MY XXXX ID WAS DISABLED AND CAUSED MONETARY DAMAGES TO MY ONE OF MY SOCIAL MEDIA PLATFORMS. HOWEVER, THE CHARGES WERE VALID AND MADE BY ME. SINCE THE BANK THINKS THEY KNOW IT ALL AND PULLED A SHADY, SNEAKY, UNDERHANDED STUNT, I WILL NOT BE SUBMITTING PAYMENT FOR THE XXXX CHARGES THAT THEY CAUSED DAMAGES TO ME BY DOING THIS ILLEGAL ACT. I WILL ONLY BE REMITTING PAYMENT FOR THE NON XXXX  CHARGES. 

THIS BANK DEFINITELY NEEDS TO BE INVESTIGATED FOR ILLEGAL PRACTICES. THE BANK DID SOMETHING SIMILAR TO ME BACK IN XXXX XXXX. THEY OPENED AN ACCOUNT FOR ME BACK THEN AND THEN CLOSED IT A WEEK LATER.
Consumer complaint received 2021-07-22
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: Receivable Collection Services, LLC (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2019-07-18
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: I.C. System, Inc. (OK)

IC System pulled my credit report multiply times and I haven'tXXXX didn't apply for any credit during that time. 
XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.
Consumer complaint received 2022-01-10
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2023-03-29
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. (WA)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$670.00} XXXX updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2022-10-05
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. (CA)

I have tried numerous of time trying to get TranUnion, XXXX and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.