davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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. (NY)

This is my third CFPB complaint filed against Equifax about this matter. Equifax HAS NOT provided to me documentation from XXXX XXXX XXXX  # XXXX. It has been over 30 days since Equifax promised me these documents through the CFPB. Personally, I have not been able to get documents from XXXX XXXX, despite my MANY requests and can not understand how this account continues to report on Equifax 's file for me. Certified letters to XXXX XXXX attached. This inaccurate reporting is affecting my ability to obtain employment and housing during these horrible times. I am begging for help. I have spent over 8 months and several hundred dollars communicating with Equifax and XXXX XXXX XXXX. I am begging for Equifax to begin following the FCRA and remove this inaccurate reporting. The next option is for me to file a lawsuit against Equifax, should this not be resolved. Attached is the latest CFPB complaint response from Equifax stating that they are getting documents to verify account. Certified letters sent to XXXX XXXX and Equifax. XXXX XXXX DOES NOT have loan documents regarding this account, so this tradeline must be removed accordingly.
Consumer complaint received 2018-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

MONEYGRAM FAILED TO FURNISH FORMS REQUIRED TO PULL MY WIRE TRANSFER HISTORY FOR ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX.
Consumer complaint received 2022-12-01
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. (NY)

I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (DE)

I noticed the collection from national credit systems following the end of the lease around XXXX  at XXXX XXXX XXXX. After receiving no information in regard from this collection from either the apartment complex or the collection agency, I contacted the collection agency. I was told that there were charges made by the complex. I then asked what these damages were and was sent an itemized report via email. The report included multiple damaged blinds, painting of the walls ( which did not occur ), a large hole in the wall ( which was merely a small scrape of paint missing due to a small metal piece that was sticking out of the top of the electric reclining couch ) and multiple missed payments which were made via money order to the complex due to the online pay system being down. I asked the customer service rep at National Credit Systems why I hadnt received any information regarding these charges and received no reasonable answer. I have picture proof of the state of the unit taken on the last day of my cleaning and walkthrough of the apartment. Im very displeased from the behavior of the company that owns the complex ( who are very difficult to contact ) and by the lack of assistance from the collection agency. The charge is a derogatory mark on my credit report and has made it impossible to get leasing into another apartment complex. The charge is for {$3600.00} which appears to be very bad when other companies see the amount and where the charge is from.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX I changed address and I called kohls to update my address and was told it was updated.During the month of XX/XX/2021 i received a late fee which I was not aware of until I was contacted in XXXX because I was never sent a bill.I was able to speak to representative that waived the late payment fees and I immediately paid my balance in full.I then requested that the negative credit information be removed from my credit files for the XX/XX/2021 payment period. I was told it would be removed that was more than thirty days ago and it never got removed. I then proceeded to call back several times to try and get a letter stating that it would be removed from my credit file. I was told it wasnt possible to get a letter from kohls of that matter and that I would have to contact corporate .I Then called and contacted corporate and they say they would send the letter and clear the month of XXXX. I received a letter that was not what I had asked for therefore i called again and was told I would get another letter this time the correct one and once I received it it was also not what I needed. I am now still waiting for my credit file to be cleared and am being told there is nothing they can do about it. In all the years I have had my Kohls account I have never had such ahorrible customer service experience for something that was not my fault to being with.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit file from Transunion # XXXX. This is the latest of numerous reports that I have requested over the last year to correct inaccuracies on my credit file. 
XXXX XXXX # XXXX has been inaccurately reported on my credit for over a year. Transunion as changed the open date which I disputed, the date reported open on XX/XX/XXXX now reports XX/XX/XXXX. The close date that I disputed originally reported XX/XX/XXXX now XX/XX/XXXX, and originally reported this account was closed in XX/XX/XXXX as result of a filed chapter XXXX bankruptcy and now reports it was discharged in chapter XXXX in XXXX. All this information is inaccurate as were the previous information. I also disputed the high balance on the account with no change occurring during the last year and it was not mentioned in any of the results. 
XXXX # XXXX has been inaccurately reported on my credit file as well for over the last year. I disputed the open date of XX/XX/XXXX asking for a record of payments which I never received, I disputed the closed date as well again referencing a payment history proof to verify this date without success, their printout of their report shows no payment history. I ask for verification of the balance without success and lastly again I ask for verification of the accuracy of the chapter XXXX bankruptcy associated with this account since it originally reported chapter XXXX with the same dates. 
I have requested a copy of the results of the investigation including the process and contact of the creditor representatives spoken with and address and phone of creditor as well that was used during the investigation process which I have never received in the year of trying to get my credit file corrected. 
These two account remain on my account with multiple changes to the records and still remain inaccurate. I question the investigation process which I requested copies of which I have not received. 
Mostly recently I was sent a letter requesting additional information to verify my identity which I sent originally and have every time I previous have done so by certified mail.
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Federal Adjustment Bureau, Inc. (FL)

XXXX continues to report an account that was discharged in my Chapter XXXX bankruptcy discharged in 2013. This is showing as a collection on my XXXX account. I have disputed but they refuse to report accurate information on my credit report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (DE)

Kia Finance is showing me as being delinquent. It is showing as its being closed however, its still showing as I had months of unpaid. I understand that there was a investigation going through with us with the credit bureau and Hyundai however it was done 60 days after XX/XX/XXXX of XXXX. As my credit was ran, Kia finance is still showing up on my credit and its saying that it will not fall off until XXXX however, with that being said, my credit is being affected because of this. It is still showing as is I miss months of payments even though my account was paid off on XX/XX/XXXX of XXXX. I contacted Kia finance not so long ago and advised them of my situation, however they stated that a memo or a letter would come to my house for me to send to the credit bureaus but, I never received such letter in order for me to send to the credit bureaus. Because of this, my credit is being affected, and I am not able to have my credit run or used to buy a house. Please Advise and thank you for helping me with matter
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, and XXXX XXXX XXXX  but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back
Consumer complaint received 2019-08-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Please reverse the late payment reported on the particular account : XXXX XXXX The account was never past due, I never made a late payment to this company ever please change this, I have a good relationship with this company.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am enclosing all documents. 
Case # XXXX Date of Reservation : XX/XX/2021 Merchant XXXX Sales and Capital One. Amount of transaction {$570.00} Refund Booking # XXXX On XXXX XXXX I reserved a car thru XXXX in my sisters name XXXX XXXX, she was traveling with my mother XXXX XXXX a hospice patient. In flight my mother ran out of oxygen in flight and could not fly. I called XXXX to cancel this reservation because my sister said she didn't think my mom could travel. My sister is her caretaker and a LPN. She stated that the her oxygen equipment was faulty. When I called XXXX and explained the situation they sent me a notice of how to get a refund. I followed what they told me. I called my credit card company and started a dispute just in case. Next when I sent XXXX information they asked for they would not accept it. I then sent it to Capital One and they would not accept it and sent me a letter.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates (TX)

I have been constantly disputing a collection that Hillcrest & Davidson is reporting to the credit bureaus. For some odd reason the credit bureaus are saying that the collector has verified the debt. I find it pretty strange because I sent a letter to Hillcrest & Davidson requesting information about a debt the debt and it has been over 30 days and I never received any proof that the debt belongs to me, how they calculated the amount owed, nor any proof that are legally able to collect the debt. Here is the tracking number XXXX XXXX XXXX XXXX XXXX and it confirms that they received the letter XX/XX/21. It is XX/XX/21 and I have not received anything that corresponds with my request. 
Since Hillcrest & Davidson has failed to respond to my request. This account must be deleted from my credit reports. They can not collect on this debt legally.
Consumer complaint received 2020-02-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested an investigation into errors on my credit report. I also requested the C.R.A provide documentation verifying the information on my report. No documentation was provide after multiple investigation requests.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (FL)

BACK IN XX/XX/2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED. SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THEN ONE ITEM THAT DOES NOT BELONG TO ME AND NEVER HAS .THE FIRST REPORT I AM REFERRING TO IS MY EXPERIAN REPORT .YES I HAVE REACHED OUT TO THEM TO SEE ABOUT REMOVING THESE ITEMS FROM MY REPORT. IT SHOULD NOT BE A PROBLEM DO TO THE FACT THERE IS ALREADY A FRAUD ALERT ON MY REPORT. THE ITEMS ARE AS FOLLOWS. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2022-12-01
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. (GA)

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 Acct Number : XXXX XXXX Acct Number : XXXX XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX 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 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file