davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (MA)

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.
Consumer complaint received 2018-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a complaint with Transunion on XX/XX/XXXX regarding an account on my credit report listed as XXXX/Acct # XXXX. My dispute obtained information stating that the account was over 3 years old and it should be removed due to the statue of limitations in SC is 3 years for debt collection. The response from Transunion was " Verified as Accurate '' ( see page 2 of my attachment ) I did a little more research and looked thoroughly at my previous credit reports ( see attachment ) and found that at one point the same account was listed as XXXX/Acct # XXXX ( see page 4 of the attachment ) and it was deleted from a prior dispute and at that point the information was listed as XXXX with the same account number and possibly XXXX. I took another look at my Transunion report with an issue date of XX/XX/XXXX, the same account # under a different name ( see page 7 of the attachment ) I need this information to be corrected, updated, and deleted from my credit file and sent an updated report to reflect the changes. Thank you for your assistance with this matter!
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related issues.
Consumer complaint received 2020-02-07
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. (GA)

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (NV)

I have previously brought to XXXX XXXX and experian and XXXX attention the issue wherein generic validation letters are dispatched in response to disputes, rather than adhering to the requisite thorough investigation stipulated by the FCRA. This practice directly contravenes various sections of the FCRA, including but not limited to : Section 611 ( a ) ( 1 ) ( A ) : This provision mandates that consumer reporting agencies ( CRAs ) must engage in a reasonable reinvestigation to ascertain the accuracy of disputed information.

Section 611 ( a ) ( 5 ) ( A ) : This clause necessitates CRAs to promptly expunge or amend inaccurate, incomplete, or unverifiable information.

Section 611 ( a ) ( 7 ) : This particular section underscores that CRAs must furnish a written summary detailing the results of the reinvestigation to the consumer within XXXX business days of its completion. 

These accounts were the result of identity theft so of course the information matches mine, BUT I am not the one who agreed, open, or used this company. Account : XXXX {$26000.00} Account : XXXX {$16000.00}
Consumer complaint received 2022-12-04
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 (FL)

In accordance with the fair credit Reporting Act 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 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 purpose
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (OH)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (IN)

Received an email saying I owe Speedy Cash {$1100.00}. Email shows from XXXX XXXX but email address seems bogus. Here is text of email : image Date : XXXX XXXX Creditor : XXXX XXXX XXXX. 



Current Balance : - {$1100.00} Settlement Amount : - {$950.00} Subject : Unpaid loan This Proceeding issued on you Docket No : - # XXXX with one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. 

We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

Let us know what your intention is by today itself so, we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. 

We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

Customer Notice : Speedy Cash Advance should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

Note : To make the payment or settlement you would have to contact at : XXXX ( Legal Department ) Speedy Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I do not owe these scammers!
Consumer complaint received 2020-12-18
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-04
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. (MS)

In accordance with the fair credit Reporting act 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 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 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment so I am filing this for myself and not anyone else. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-02-22
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. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment so I am filing this for myself and not anyone else. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX  continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (UT)

I took over a property in XXXX Idaho and months after I began receiving notices stating that I owed money for propane tank rentals. 

I immediately contacted them and they could not tell me what it was for. I explained to them that I never personally rented propane from them. Despite several calls I continue to receive notices from various debt collection companies attempting to collect on the debt from XXXX XXXX XXXX.
Consumer complaint received 2018-06-29
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: JPMORGAN CHASE & CO. (TX)

Chase XXXX XXXX is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. 

I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed as this derogatory reporting is harming my attempt in employment.
Consumer complaint received 2022-12-04
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: ALLY FINANCIAL INC. (WA)

My right have been violated. 

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency furnish a account without my written instruction 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 2021-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

MY mortgage was paid off/ transfer on XX/XX/XXXX. Freedom mortgage is still holding XXXX} in loss draft and have not released it. It has been six weeks and many phone calls with no help. Customer service has sent 3 emails requesting the money be released and returned. On XX/XX/XXXX the insurance department notified loss draft that Freedom no longer controlled the money and it needed to be transferred. As of today XX/XX/XXXX, customer service notified me that loss draft still had the money and they were emailing/ requesting the money be released. I spent 45 minutes with them. I started with customer service and was told I need to talk to loss draft, loss draft told me I needed to talk to customer service and transferred me back to customer service, they told me I needed to talk with loss draft. I explained loss draft had sent me back to customer service. Customer service then sent another email requesting they release the money. My understanding is that not one of the previous emails has ever been responded to. Each call assures me that the issue is being addressed and I will be receiving my money so I can in turn pay the contractor the remaining amount on the repair completion. Six weeks since my loan was satisfied with Freedom Mortgage and they are still holding my money. At best it will be another two weeks but I have no hope of that happening. All work is completed on my home and the contractor is waiting for the rest of the money. I am responsible to make that payment even when Freedom Mortgage feels they can hold my money. I informed each person I spoke with tonight that it was my last call with them and I would be filing a complaint because nothing was getting done at Freedom Mortgage to correct this.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

In XX/XX/XXXX Equifax reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXXbut it finally was deleted. In XX/XX/XXXX, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

I have a judgement on my credit report with Experian from XXXX County District Court. The judgement has been paid and I have been issued a " Certificate of Cancellation of Judgement '' signed by both the Clerk of Court for XXXX County and XXXX XXXX who is the attorney for the plaintiff ( XXXX for a student loan ). I have sent the copy of the certificate to all reporting agencies. Experian will not remove it. There response is that it is showing " Paid ''. I could understand that if I was simply giving a receipt showing that it was paid. However, if I have documentation from the court showing that the judgement has been cancelled, why would they refuse to remove it from my credit file. The judgement is set to be removed later this year anyway. However, I will be receiving my XXXX XXXX XXXX in XX/XX/XXXX and will be job searching. I would like for this to be removed prior.
Consumer complaint received 2022-12-04
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 : A consumer reporting agency can not furnish an account without my written consent 15USC 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 2021-06-12
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: CREDIT ACCEPTANCE CORPORATION (GA)

I financed a car back in XXXX with Credit Acceptance Corporation. I called and got a payoff amount and the physical address to send the check to because I had secured refinancing through my credit union. I obtained a payoff amount for {$6400.00} on XXXX XXXX, XXXX. My back mailed a check for {$6500.00} plus dollars on XX/XX/XXXX, which was right in the the 10 day payoff period. The checked was cashed on XX/XX/XXXX. I received a call from a young lady from Credit Acceptance Corporation in XXXX, MI who identified herself as an operations manager. She asked me was it a mistake that a check was sent for that amount. I replied no stating that was the payment amount and they the loan had been picked up by my credit union. She then told me that the payoff amount was incorrect and I owed {$4000.00} more dollars. I explained to her that I had the paperwork from Credit Acceptance with the payoff amount on it. I insisted on giving her my credit union 's number but she said that she could not speak with them and she could only speak to me, which sounded very strange. Can you please look into this matter because they seem to have some subpar business practices.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FIN CR NETWK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FIN CR NETWK XXXX
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (TX)

I have asked the XXXX major credit agencies to verify the information on the accounts listed on the attached XXXX letters. XXXX removed all the same accounts because the information could not be verified. XXXX and Experian have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. XXXX and Experian just ignore sending me what they are required to do.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.