davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
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. (IL)

Around XX/XX/2018 I had my credit report run for a rental application. Equifax stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called equifax they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with Equifax ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that Equifax provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is equifax that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TN)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (AZ)

according to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Dynamic Recovery Solutions is engaging in said violations of latter federal statutes. Dynamic Recovery Solutions is trying to associate me with an account that is over 15 years old that I do not owe. Number one the statute of limitations on a debt is 6 years, and number 2 this is not my account and I have no knowledge of this account. I served in the military and my social has been fraudulently been used over the last 20 years illegally, and I have repeatedly filed police reports to back that up. I do not owe any money to this alleged account, as I do not and have never had a XXXX XXXX account in which I owe any past due monies. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have repeatedly disputed an account with Experian for creditor XXXX XXXX/XXXX Account # XXXX. Experian has acknowledged that the information submitted by the creditor was submitted in violation of the FCRA Guidelines for reporting a debt to the credit bureau and has maintained that I must continue disputing the item with the creditor directly. I have sent letter and outlined the violation to both Experian as well as the creditor and the item has remained unchanged on my credit report. According the the FCRA 15 U.S.C. 1681c ( 1 ), a collection agency is required to observe a 180 day period prior to reporting to the credit bureau. Experian has acknowledged that the credit received the debt XX/XX/2018 and began reporting the debt to Experian XX/XX/2018. Even with information provided, the statutes of the FCRA and acknowledgement of the violation of the dates reporting, Experian has continued to reject the statues of the FCRA, has continued to report inaccurately and continues to direct the consumer back to the furnisher of the data.
Consumer complaint received 2022-02-11
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. (GA)

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed and my information is being falsified. I demand that these inquires be removed immediately.

I am reporting on my own behalf. 


Inquires listed : 1. 
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 2019-06-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (OK)

I am a XXXX XXXX serving in the XXXX XXXX  XXXX and leased a vehicle while I was on leave in New Hampshire from XXXX XXXX XXXX XXXX located in XXXX New Hampshire on XXXX/XXXX/2018. This was a lease for a brand new vehicle ( XXXX XXXX ) and is supposed to be under warranty. The clutch got damaged and when I took it to the XXXX dealership where I am stationed here in XXXX, OK ( XXXX of XXXX ) they told me that the warranty is only covering the parts, not the labor because the damage was my fault. I have been driving a standard vehicle for a long time and have never had a problem like this. The vehicle is supposed to be 100 % covered under the warranty and I shouldn't be liable for labor because according to the mechanic, " I must have done something to it ''
Consumer complaint received 2023-05-19
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. (CT)

Opened and closed date is reported incorrectly. This account is a charge off account which I did not receive a 1099C Form to discharge this debt.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

I opened a credit card with US Bank/ XXXX Mastercard several years ago. It is my understanding that monthly billing statements are to by law to be sent out 21 days prior to due date. For several years I repeatedly did not receive bills from this one company on time, many times receiving them a week after the due date. I repeatedly had to fight them for late charges and paid late fees several times as a result. This is the only credit account out of a dozen accounts I have that I have had this problem with.

I repeatedly verified my address with the company and they always had the correct address. I am currently trying to fix these errors on my credit report. The account representatives at XXXX Mastercard have told me over the phone they will not correct my information on file with the credit reporting agencies, and the disputes department puts you on hold for 45+ minutes when you call to try to fix the problem. I have hired a company that disputes accounts but they have not been successful either. 

Based on my experience with this company, I believe I am not the only person having problems with this company. I do not use the card very much anymore as a result of their poor business practices but would still like the three negative items on my credit report removed from by this organization. 

Thanks for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Credit Counseling Service of San Francisco (MI)

My husband is a XXXX veteran and XXXX XXXX XXXX civilian. He has severe health issues. We fell on financial burdens after a car accident took his health in XXXX. A person came to our home today, stopped me when I was locking our privacy gate at the end of our driveway. She said she was from the bank. She handed me a letter after exclaiming in a very loud voice if " Does XXXX XXXX lived here?! ''. I said his name has been XXXX XXXX since XXXX. Legally. 

She handed me a letter from this " counseling '' agency of Balance and XXXX XXXX and said in the letter that they work with the mortgage company XXXX and XXXX XXXX exclaiming as loud as she could in front of our neighbors that she knows my husband 's father in front of neighbors that were outside and on social media. Calling him by his former name of his abusive father XXXX XXXX. XXXX legally changed his name to XXXX XXXX in XXXX. 

She claimed she knew his dad and as loud as she could that she went to school with him in front of everyone. She never identified herself by name. Only saying she was from the bank. One neighbor was recording the event on her phone. This took place at the end of our driveway when I was trying to lock our privacy gate. All our neighbors and now his family knows of his financial problems. Our neighbors are very popular on social media and they were recording and listening. She then demanded that she had to take pictures of our home of 20 years because " she had to '', forcing me to unlock the gate and let her in. She not only took one but two or three. She continued to talk about his father as if she was insinuating that she would tell him & his family.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have a American Express XXXX XXXX XXXX which has a feature of upto {$100.00} Airline Fee Credit for incidental fees ( e.g., baggage fees, flight-change fees etc. ). It has been more than 3 months since I had used the card for the selected airline checked bag fees for {$50.00} and I have n't seen the credit yet on my account. I have called more their customer service m XXXX times and have been transferred from XXXX agent to another ( atleast 30 minutes call each time ) but no one is able to help me out yet. Once the agent promised that I will see the credit about 2 months ago, but I have n't seen the credit yet. The airline is disingenuous in promoting this benefit to the cardholders. I am currently in the process of moving to a XXXX and I will be responsible for paying this fees as I have to close my XXXX account. I want to write a formal request for AMEX to make this process transparent.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (KS)

Milestone through Genesis FS card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. 

Recently I received notification from XXXX XXXX XXXX saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what Milestone asked and paid the amount in full.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been requesting methods of verification on certain items on my report from XXXX, XXXX   and experian credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.
Consumer complaint received 2019-06-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been requesting methods of verification on certain items on my report from XXXX, equifax and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (FL)

Multiple harassing calls from a XXXX number about a debt not related to me. Called, told them to take my phone number off because the debt is not me, proceeded to argue with me, telling me I was lying, then cussed in XXXX, once I threatened to report their harassing behavior, I was hung up on, called again and was told that thy werent going to take my phone number off and hung up again. I dont know whats wrong with these people but I may have to get a new phone number because they are calling multiple times a day when I told them I dont have anything to with the debt and to stop calling me.
Consumer complaint received 2021-02-16
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2019-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc. (CA)

I filed an initial complaint to the CFPB on XXXX 2019 and on XX/XX/XXXX West Coast 's response to the CFPB a government agency was that they are eager to reach a mutual agreement to put this matter to rest yet a week later on XX/XX/XXXX they filed a motion to continue to foreclose on my house and a motion for relief on the Automatic stay with clearly full intentions to foreclose and collect their profit without a reasonable doubt. West Coast purchased my note for pennies on the dollar in 2019 and have refused to disclose that dolor amount. They are predator investors dedicated to pray on consumers with equity in their homes. The Chief judge denied their motion 100 percent. West coast has lied time and time again and this is just one more of the instances in where the evidence shows they contradict their own statements and have now provided False information to the CFPB a government agency. A full trial is much needed for this claim to be disallowed entirely. I have attached a copy of the status report filed on XX/XX/XXXX from West Coast and their council with their motion to request to foreclose and motion to lift the Automatic Stay on my home.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. Transunion has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax has the obligation to report complete and accurate at all times. The FCRA prohibits CRAs from reinserting previously deleted information into a consumers credit file without first notifying the consumer of the reinsertion. I did not receive notification within 5 days for this alleged account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. 
This is a violation of my rights and has caused much distress.
Consumer complaint received 2023-01-08
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. (VA)

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 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 XXXXhas 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 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2019 XX/XX/2019 XX/XX/2019 Each time I was told something different. I have 18 hard inquires on my credit that I did not authorize. I have sent in verification along with copies of my report requesting the inquires be verified as valid accounts or removed as I didnt authorize them. 

Thank you XXXX XXXX