davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-05
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)

Equifax has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

This will be second attempt to try to resolve my matter with Santander Consumer USA. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.
Consumer complaint received 2019-04-05
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. (MI)

XXXX Bank is reporting On my Transunion report this account is Fraudulent account it is Fraud I have already provided Transunion with the Police report stating that it is Fraud and Not my account as well as a victim of Identity theft. I have Called and Sent in several disputes and letters and they have Not removed this Fraudulent account Please Have them remove it because they are violating the FCRA. This Inaccurate information reporting is effecting my credit. Below is the Fraudulent information I have also attached a copy of my police report as well. Below Open Date XX/XX/2016 Account Number XXXX Current Balance XXXX
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-09-29
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: Diversified Consultants, Inc. (IL)

Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX  counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Consumer complaint received 2019-09-29
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: CITIBANK, N.A. (IL)

Hi I just graduated XXXX XXXX, I just enrolled in XXXX  and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Consumer complaint received 2019-05-05
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 sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute.

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period.

I sent a certified letter to Trans Union stating that XXXX XXXX XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported.

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank has ruined my social security number by closing 2 of  my accounts as " Deceased ''. I now can not get a bank account in my name due to being reported by this bank as dead. Im clearly alive, working, just got a new id card, im a legal us citizen who cant get an account opened for the past year because someone screwed up and registered me as dead.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (TX)

Hyundai capital America has reported that I owe a remaining balance of {$980.00} for the Hurricane Flood that totaled the car and I had Gap insurance along with full coverage. There should not be a remaining balance due and it is false.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TN)

I was offered Kroger Rewards Prepaid VISA from Kroger through my Kroger Rewards App and I accepted. Im not sure of the exact date I received it but it was a few weeks ago.Shortly after I activated the card, put money on the card.The card was locked. I called Kroger to find out the problem and they said I need to verify my identity.So I did exactly what they said and faxed my information and they said they couldnt read it. I faxed a second time on XX/XX/2019.They couldnt see it even though I got confirmation.So on XX/XX/2019 I faxed another copy of my information. I called and they said they still couldnt verify anything. I have seen lots of complaints about people having the same issue.It feels as if they want me to just give up my money. Ive been dealing with this for a couple of weeks now and I dont believe that I will get my money back.These faxes are costing me money out of my pocket to get my money.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

I opened a Best Buy Visa Credit Card in XX/XX/2016. Unfortunately, I had been experiencing some kind of hardship recently at work, since I am getting my hours cut. I usually have been responsible on the payments and I tried to reach an agreement with the credit card servicer, and they refused to get me an additional one week extra to make the usual payment. They instead told me I will be charged a late fee in addition to the minimum payment I owed them. Best Buy Visa 's servicer ( Citibank ) had been the worst people to deal with, ever, as this is not the first time I can't reach an agreement with them and their attitude had been the worst as a matter of fact. I am trying to work things out in good faith but they always look for any kind of ways to win and ruin my credit.
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

The person who helped me with navient, instead of helping me lower monthy payments told me it was a better idea to use forebearance or deferment. Happened the 2nd time I did it as well. Both times I was told my loans would be placed on hold. However, they still accrued interest. I have tried getting monthy amount lowered but they said they can not go any lower and I can not afford that amount.
Consumer complaint received 2023-02-08
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. (TX)

FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX, 2022 {$1600.00} Needs Attention FCRA Violation : Collection not mine XXXX XXXX XXXX XXXX FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (TN)

My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center. 

My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense. 

The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system. 

XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX. 

Why did Discover Bank contact the Director of Manpower? 
My wife is a civilian, so Why should Discover Bank contact DOD? 
Why did Discover Products Inc contact DOD? 
Why does Discover have regular approval for using the Manpower Database?
Consumer complaint received 2019-04-02
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. (MD)

On both XX/XX/19 and XX/XX/19, mailed certified letters to Experian at XXXX Box XXXX XXXX, TX XXXX disputing XXXX accounts that are on my Experian and XXXX XXXX XXXX I disputed with XXXX   those companies were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Experian did not provide me proof of validation. On XX/XX/19 I mailed a certified letter to Acceptance Now at XXXX Headquarters XXXX XXXX, TX XXXX and still have not received a response. Please see the above information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Amount reported : {$610.00} Company Name : XXXX XXXX Partial Account # : XXXX Amount reported : {$620.00} Social Security # XXXX
Consumer complaint received 2019-09-28
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N : XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not  responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-09-28
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. (FL)

XXXX, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. 
I had been in forebearance ( which XXXX charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of XXXX  and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. 
Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. 
I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. 
thank you XXXX XXXX
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

There is a bankruptcy ( Case # XXXX ) showing on my credit report with XXXX. I have submitted numerous disputes with no results. When the dispute was complete on each occasion, I was advised that they received their information from the public records source/reporter XXXX XXXX. I have contacted XXXX XXXX and also the courthouse that was said to have reported and was advised that there are no public records for me.I submitted all documentation received. I contacted XXXX and spoke with XXXX XXXX and was given a file number of XXXX. She advised that they did receive all documentation from the courthouse and XXXX XXXX and still refused to remove it with the previous disputes. Please assist.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (MD)

- On or about XX/XX/2019, the Trust received from GC SERVICES LIMITED PARTNERSHIP ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 )  alleging an indebtedness owed by the Trust to an alleged identified as XXXX XXXX XXXX XXXX, XXXX. ( XXXX ). 

- In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to GCSLP a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. 

- Please see attached documents of proof of me sending the letter and its receipt by GCSLP. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

- It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2019-09-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (LA)

Theyre currently reporting my account as 30 days past due when in fact it is not. Ive also asked that they stop calling my cellphone numerous times a day, but they still call at least 3 times and it has caused me to be more stressed than I already am dealing with my current financial system. The calls are harassing. I want my account status updated and all communications through mail or email ONLY!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I was reviewing my credit report and see that its fraudulent activity reporting. Please remove immediately XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$570.00}
Consumer complaint received 2019-05-05
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. (MN)

Dear Transunion I want to 1st would like to thank you for working with me during these disputing of inaccurate and incomplete information on my credit file after asking you to reinvestigate the items that you stated that was reporting correctly on my credit file I have noticed a ton more of Violation of the FCRA that needs to be addressed from your agency and this is a NO NO FCRA state very clearly in order to report on a consumer 's report the information must report at 100 % correctly or the items must be deleted. Ok lets get started with XXXX XXXX account number XXXX balance amount for {$8600.00} they reported a 30 day late on XX/XX/XXXX I do have a canceled online payment that XXXX cashed a check on XX/XX/XXXX so that payment shouldn't have been late then I looked at XX/XX/XXXX they reported another 30 day late I also have a check that they cashed on XX/XX/XXXX..and beside the fact of the matter On XX/XX/XXXX That should have been a 60 day late but It's showing another 30 day late how is this possible???? see attached for Proof. and it's gets more Violation When I get to XX/XX/XXXX and XX/XX/XXXX Looks like they stopped reporting this is a incomplete and again Violation and has to be removed. Unless you plan to Investigate this account here is what I'm going to need from you is a payment history dating back on XX/XX/XXXX - XX/XX/XXXX But I'm asking you to delete this ASAP as you have wasted my time sending letters via US MAIL AND VIA the CFPB claiming to have verified this account And most of all you haven't investigated anything so please remove this account ASAP