davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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 an account XXXX XXXX XXXX on my Equifax report that has inaccurate and incomplete information. 

I have been disputing with Equifax to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

the last dispute result from Equifax came back stating my dispute was unclear, yet I was very clear about what I was disputing. See below. 

Even though the account was disputed, the Furnisher has not reported as such in the comment section. 

Actual Payment Amount : a ) Equifax is reporting {$16000.00}, and XXXX is reporting {$21000.00}. The data does not match and is grossly different and therefore can not be reporting accurately. Please correct or delete account immediately. 

Date of Last Payment : a ) Equifax is reporting XXXX as XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate reporting with a 14 month difference in dates? Please correct or delete account immediately. In addition, I never made a payment in XXXX. 

Term Duration : a ) Equifax is reporting it as ( 8 ) and XXXX is reporting it as ( 80 ), therefore the data is being reported inaccurately. Please correct or delete account immediately. 

Lastly, the contact information is different. on XXXX it says XXXX XXXX phone number XXXX. On Equifax it shows XXXX as the contact, different address and a different phone number XXXX. So which one is the factual data?
Consumer complaint received 2023-07-06
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNT : XXXX XXXX ; INQUIRY : XXXX XX/XX/2022.
Consumer complaint received 2022-12-29
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. (NC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
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)

At this point I am being completely taken advantage of as a consumer. My accounts have been able to be deleted from XXXX due to inaccurate reporting and other errors on their behalf but Experian and XXXX refuse to correct their mistakes and remove the items. It is against to law for them to report inaccurately on my behalf and for them to all be reporting information that does not align with each other this is ridiculous and holding me back from moving forward in my life and business deals. I am suffering because of their disrespect for consumer law! The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. These are the accounts XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
This is a violation of the FCRA 15 U.S. C 1681i and is also in violation of requisite METRO 2 Compliant reporting Standards.

According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) I have the right to a fair and accurate credit report, and you are required to promptly delete, and remove any information that is not true, accurate, and verifiable.

Someone needs to hold them accountable for this. The accounts reporting inaccurately need to be deleted immediately this process has taken too long!
Consumer complaint received 2023-04-04
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. (CT)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX SERVICES XXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-03-28
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX XXXX a block was added to my credit bureaus not allowing XXXX XXXX  to report inaccurate information on my credit file..XX/XX/XXXXi purchased a vehicle from XXXX XXXX for XXXX +title and taxes total amount that was finance was XXXX-XXXX  down payment XXXX i recieved my title in mail. XXXX i did a title loan with XXXX XXXX XXXX with a clean and clear title..did n't retrieve the vehicle lienholder is XXXX XXXX XXXX  and XXXX XXXX XXXX file suit in XXXX XXXX court house for XXXX and i had legal aid off alabama to represent me, and was told by XXXX XXXX that i didn't have to come to court because i had just got out the hospital due a serious health condition.I called Legal aid XXXX  that evening and was informed that I lost not to worry because as long as Im XXXX  XXXX XXXX wont recieve a dime.Now Im trying to purchase my first home And been denied over 7 times, due to XXXX XXXX is reporting to equifax inaccuracy on my credit file..I have filed in district court against XXXX XXXX and a block was added to my credit file equifax is still showing outstanding balance which isnt accurate ..I need for XXXX XXXX to be deleted remove vacated for reporting inaccurate information..The amount that i paid for the vehicle was XXXX with taxes and title XXXX that what is reporting my payment history that i recieved from XXXX XXXX is XXXX +XXXX down payment =XXXX but reporting amount finance is XXXX ..I been dealing with this nonscence for over 9 mos now..I called and spoken with XXXX on XX/XX/XXXX and was referred to OCC..OCC couldnt help me and I was told to submit another complaint with CFPB all im seeking is a fair judice and investigation with this matter so I can purchase my first home, URGENT time is running out soon. Im sorry for all the miss spells I have XXXX in my XXXX XXXX  and it very hard for me to keep submitting these complaints.Thank you again XXXX XXXX.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (PA)

Upon potential employer requesting criminal record I discovered inaccurate information. A criminal record appeared. I have never been arrested let alone have possession of anything. I am requesting this be removed and for the corrected record to be sent.
Consumer complaint received 2019-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (GA)

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on account. 

I want you to know that I understand my financial obligations, and if it werent for hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed, Ive had a spotless record of on-time payments. 

I applied for a home for my family, and its come to my attention that the missed payment on my record hurt my ability to qualify due to the low score. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all the late payments. 

Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2019-09-26
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: Early Warning Services, LLC (UT)

Early warning system is now in receipt of my theirs dispute of fraudulent accounts listed on my credit report with them. I was recently denied by XXXX XXXX bank in XX/XX/XXXX for a regular checking account due to EWS credit check of accounts listed on my credit report with them. These accounts had regular fraudulent activity and were closed due to fraud. They should not be listed on my credit report as the information is not 100 % complete or accurate according to the rules and regulations of the FCRA. The data in my report has to maintain 100 % accuracy. EWS fails to honor this agreement to maintain this 100 % completeness and accurate information.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Contacted the XXXX police department on XX/XX/2010. Spoke with former detective on the case of identity and fraud on Police report - # XXXX. I was notified PRA has never contacted them to retrieve police report in regards to the fraud on account ending XXXX. Yet PRA, continues to report this fraudulent debt anyways on my credit reports willfully and with negligence. It their responsibility to retrieve the police report directly from the XXXX police department. They are reporting this debt any ways to the credit reporting agencies. I have filed numerous complaints for them to cease reporting all debts in my name and obtain the police reports and yet they continue to violate the FCRA anyways freely. So I continue to report these violations to the CFPB.
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: ERC (UT)

XXXX XXXX XXXX continue to report on my XXXX a fraudulent debt from XXXX on my credit report. Im in a dispute with XXXX over a fraudulent balance left in my name over an unauthorized device ordered placed without my permission or knowledge. The police reports validate my information and use of my name was stolen to obtain credit and other unauthorized devices. Additionally a debt collector called ERC contacted me yesterday stating XXXX has now sent them the debt to pursue which I have requested for them to open a fraud investigation back with XXXX on this matter. XXXX XXXX has no legal authorization to continue to pursue or report this debt to XXXX   which is a major violation under the FCRA and FDCPA.
Consumer complaint received 2023-04-04
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. (CT)

I see that the accounts on my credit report were misleading when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$470.00}
Consumer complaint received 2019-09-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION (TN)

I have repeatedly told the people calling that they are calling me after XXXX XXXX CDT. I get calls repeatedly all day long after I have spoke with another representative to make arrangements. I am now being called late at night on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX CDT.  This company threatens and bullies during phone calls.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

Jefferson Capital Systems knowingly lied to the credit bureau about re-aging a collection adding three years to what I still do not now is a valid debt.

I submitted a dispute via XXXX and Jefferson lied and said it met FCRA rules considering I haven't had the account in 5 years -- ans had a current account with XXXX until I switched providers last month can't be true.
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am complaining about the collection agency, HRRG. Unfortunatley, I did not forsee this problem and don't have a list of dates. However, it started in around XX/XX/2019 with mail correspondence. I called and explained that I had been unemployed and seeking work for some time and could not possibly pay the bill. I could not make payments, I am not shirking my responsibility, but I simply am barely surviving right now. HRRG then proceeded to bombard me with mail. Quickly they moved on to daily collection calls, sometimes twice a day. The calls have been going on since at least XX/XX/XXXX. I don't know what to do. I would love to find a job and pay the thing. Anyone need a bookkeeper?
Consumer complaint received 2019-09-26
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: CITIBANK, N.A. (NY)

I have called Citibank Fraud Dept. on XX/XX/19 to report the fraudulent charge when they were just pending ( 4 charges ). 3 charged were reversed. Charge of {$92.00} is not reversed and payment is due XX/XX/2019. 
Called again on XX/XX/19, told they would take care of it, This representative called the vendor in a 3 way call who confirmed I did not make the charge and it was not my address for shipment. ( Shipment was stopped before delivery ) Still not reversed. 
Went into bank on XX/XX/19 and told must call and speak to a Supervisor. Called for the 1st time on XX/XX/19 ( 46.51 minute call ) spoke with a Supervisor who did absolutely nothing to help and transferred me to a Dept. who said they would " look into it ''.

Called a second time on XX/XX/19 and spoke to another Supervisor who again said she would have it taken care of.

After 4 phone calls, a visit to the bank, a conversation for seller, and over 1 month later I am still charged for the {$92.00}.

This amount was charged to a Visa Credit Card that Citibank closed in XX/XX/2019 as they no longer offer Visa cards.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I attempted to send XXXX dollars via the provided option of phone number and it was sent in error ( by pay pal ) to an incorrect email address. The phone number that it was directed to is tied to the correct account but pay pal sent it to an email address not affiliated the with said destinatio I contacted them and the first time they stated a refund would be issued within 48 hours of the phone call. After not receiving the refund, I called them back. This time they stated they could request a refund from the mistaken recipient but could not do it on they're end. 

This is a problem caused because of a fault in their system and i need refund issued asap