davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
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. (OR)

Please remove the late payments XXXX XXXX XXXX reported on this account. XXXX and Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-08-25
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. (AL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank You.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I entered a consumer credit transaction with capital one. I use my credit card pursuant to 15 usc 1602 ( l ) and granted them the right to extend my credit to me. In addition capital one started to send me deceptive forms pursuant to 15 usc 1692j with a statement posting a positive balance and doing unfair practices collecting on an alleged debt that has a finance charge pursuant to 15 usc 1605 which is the some of all charges including interest rates. I sent out a cease and desist letter to capitol one and they keep sending me statements via the capital one app
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC (NM)

Rise/ECS has account opened on XXXX for a unsecured loan in the amount of {$2500.00} using my identity fraudulently. The account in question was charged off on XX/XX/2021 totaling {$4400.00}. Dropping my credit score 60 points or more. I sent a certified letter to " Rise/ECS on XX/XX/2021 informing them I was a victim of identity theft and requesting verification of the initial contract, and that this account is inaccurate. The certified letter was received on XXXX XXXX. I also sent certified letters to the 3 credit bureaus XXXX XXXX XXXX on XX/XX/2021. I received a follow up email on XX/XX/2021 stating : Please Note Rise Credit is the original creditor for my Rise Loan and is not required by the Fair Debt Collections Practices Act ( FDCPA ) to validate debt for any Rise/ECS accounts. Since, then I sent another certified letter to Rise/ECS on XX/XX/2021 it was signed for on XX/XX/2021. Follow up letter was received on XX/XX/2021 dated XX/XX/2021 stating the following : Thank you for notifying us of your concerns regarding an account opened in your name at XXXX. We reviewed the documentation you sent us and our investigation results dated XX/XX/2021 determined that this account was not opened fraudulently. I also advised the 3 credit bureaus XXXX XXXX XXXX XX/XX/2021 to delete this account from my credit reports because it was fraudulently and inaccurate. XXXX is actively requesting Rise/ECS to remove this inaccurate information from my credit reports. Also, XXXX  has removed all Rise/ECS inquiries from my credit report. Along with providing freeze protection on my XXXX  credit file without hesitation.
Consumer complaint received 2018-11-16
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: KLS Financial Services, Inc (NC)

XXXX has been non-compliant with removing the unverified account KLS FINANCIAL SERVICES XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KLS FINANCIAL SERVICES as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
Consumer complaint received 2018-11-16
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. (IL)

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2018-08-06
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. (GA)

After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My wife and I have deposited our homeowners insurance claim check to our public adjusters account before. But upon closure of the claim, the last check came in and Bank of America refused to accept the deposit like they have done before. Their reason is that all of the payees have to be present. It is impossible to get all three payers to the bank at once for signature verification and they have never refused the checks before until now. We were not attempting to cash a check, merely deposit it into the adjusters account. I was not able to accompany my wife, and have never been with her to deposit these checks. I would like to know why banks are allowed to practice such inconsistent practices without repercussions? The amount of money it will cost us to get together exceeds the value of the check. The manager, XXXX, said that she doesnt care what they did before, but policy was that all payees have to be present. I would have no issue if they had done this each time, but this is the only time they have said this. Bank of America will never gain our companies business over this since my wife drove over an hour to the closest branch.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ).

I want this information deleted off my credit report.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2022-06-19
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. (GA)

The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit bureaus.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-07-26
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX 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  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX OF XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED10/11/2021. 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2023-03-22
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. (FL)

I reviewed my consumer reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

On XX/XX/year> I received a letter from XXXX XXXX - XXXX or was known as XXXX XXXX XXXX XXXXXXXX with a bill and there was a charge on the there that was for {$2000.00} a balance forward with no explanation as to what this was for. I then called them the day after I received this to find out what this was for my rent was always paid on time and never past the grace period of being late. I was on a month to month basis I was not on a lease and I tried to let them know that I was moving out XXXX XXXX and they did not provide me a bill or what I owed. I notified them the XXXX of XXXX that I was moving out and I talked to them throughout the month of XXXX several times and they were fully aware that I was leaving and never gave me a bill. They are trying to charge me for a balance forward that i was never aware of. They are under an investigation for numerous complaints and are involved in fraudulent activity and they tried to get me to forge signatures and dates that I was not about to do. They broke their lease and maintenance was breaking into my apartment unannounced on many occasions and them trying to get me to sign things that I didn't want to sign and breaking their agreements lead to me moving out and I did give them notice and they didn't provide with with a bill of what I owed. It wasn't until XXXX that i got this mysterious bill and they had no explanation and they said " i dont know what this is for ''. They would not fix anything that was broke due to them renovating and they didn't care. They had construction workers harassing tenets and then they damaged my car with their roof renovations and the XXXX XXXX did nothing to make it right. They tried to tow my car even though it was fully registered and insured, it was unsafe, there was a fire, there was XXXX, a XXXX, and they threw out some of my belongings that were outside my door. 
There were threats of eviction for not having recertification paperwork every year and then realized there was a mistake. Everything they did there was shady. There are several investigations with the XXXX XXXX XXXXXXXX which is now known as XXXX XXXX -- XXXX Not only did I try to contact them directly, and also the housing authority I also tried to take them to small claims court and the court told me that due to no money lose to me personally i cant take them to court. This is a false bill so they wouldn't help me either. 
I got a paper that I will include that I received and called about with a total balance of {$2800.00}. then got the collection letter for a different amount of {$2600.00} what!! NO proof of debt and no explanations.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WI)

I pulled my consumer report and discovered an unfamiliar collection on my record National Credit Adjusters , LLC also known as NCA in the amount {$830.00}. 

I disputed this collection on all 3 consumer reporting agencies and they have not been able to validated the debt.. NCA has refusal to remove the collections this is causing harm to my credit. I do not have a signed contract with National Credit Adjusters , LLC also known as NCA. 

Please assist me with having this collector provide a sign contract with myself and NCA and they should also provide a payment history. If they can not produce both request, please have them delete this debt from all 3 consumer reporting agencies.
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (SC)

I opened a prior complaint with Experian. ( # XXXX XXXX Experian responded with : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered all the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have previously contacted Experian directly to request a reinvestigation regarding the disputed information. Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. 

Experian then closed the dispute with no additional information from the debt collection company validating the debt. The company in question ( XXXX  ) still has not provided initial validation of the debt and has not followed the fiat credit reporting act requirements as outlined on CFPBs website. 


As outlined on the website A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. 
Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : XXXX The name of the creditor XXXX The amount owed * That you can dispute the debt * That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid * That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt * That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 
If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. 

Experian continues to ignore the requirements and allows a vague response from the company. The company still has not provided any validation of the debt and Experian is allowing the company to hold me hostage as a consumer by not protecting consumers against unfair reporting actions. 

I ask for CFPB to please not allow Experian to continue to run me as a consumer through an administrative process with no true intent to resolve the issue. Once again, this debt is not valid and should be removed from my credit report immediately.