davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have been disputing the same incorrect and incomplete information in the consumer file and consumer reports concerning me since XX/XX/XXXX. I sent follow up dispute letters on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX, and Equifax has failed or refused to send me investigation results. Equifax has also refused or failed to delete information that I have provided proof of documentation as being incorrect. 

The Fair Credit Reporting Act requires Equifax to ensure maximum possible accuracy in the information they compile and include in the consumer file and consumer report concerning me. The accounts I've disputed clearly have errors and are inconsistent from one credit reporting agency to the next, so no one can provide accuracy on those accounts. There's even companies whose names do not exist and are not registered to do business in the State of California, and therefore, must be deleted because I have no legal redress against them. They can not be served with a summons or complaint. I've tried locating their addresses and have not been able to. Equifax has not provided me with their addresses. If they do not exist, Equifax has no way of contacting them either, and the deletion of these tradelines should have happened months ago. 

Equifax is willfully and intentionally in direct violation of the consumer protection laws and I am being damaged daily. I am suffering from defamation of character, being denied access to credit I would otherwise qualify for if it weren't for the incorrect and incomplete information, and I feel harassed by Equifax 's failure to comply with the United States Code, Fair Credit Reporting Act, Code of Federal Regulation, and federal and state consumer protection laws. 

I demanded Equifax provided me with a physical copy of the full disclosure of the consumer file concerning me pursuant to Fair Credit Reporting Act 609, and Equifax has failed or refused to provide it. I sent this demand to their registered agent for process of service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to ensure that they received it. Notice to agent is notice to principal, and notice to principal is notice to agent. Therefore, Equifax has received my disputes and 609 disclosure demand, and I have proof of it. 

It appears that Equifax HAS IGNORED EVERY DISPUTE LETTER I HAVE SENT THEM.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX  XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.
Consumer complaint received 2023-09-21
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I DISPUTED FRAUD INQUIRIES WITH TRANSION, XXXX AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2021 I tried to cash a check at the B B & T Bank ( now Truist Bank ) in XXXX, GA and was told by the teller that that check number had already been cashed ( fraudulently ) for {$4600.00} and while I was with the bank manager checking on the fraudulent check cashed against my account another check for approximately {$4800.00} was being cashed from my account fraudulently at that very moment.

The bank manager, XXXX, advised me to close the old account and open a new account which I proceeded to do at that time with him. He said the bank had their investigators that would take care of the problem. They did finally replace my {$4600.00} after about 60 days, but they still have not replaced my other monies and we are almost 90 days out from the fraudulent claim being registered with Truist. They tell me every time I call about the investigation that they are still working on it. I left a message today for him to call me and update me and he never called nor did XXXX XXXX who the message was also sent to. 

They are jeopardizing my financial stability. I want to solve this quickly without problems but they are leaving me in a situation where I feel that I have to register a complaint with the Secretary Of State and with the advice of my attorney follow whatever directives they guide me to act upon.
Consumer complaint received 2022-03-16
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 (NJ)

There was a double charge on my credit card - The situation is as follows : I stayed at XXXX XXXX and they charged me XXXX at the restaurant. Except they charged to both my card on file with the hotel and this capital one credit card. I opened a case with Capital one ( XXXX ) and provided all the information requested including the receipts and clearly stated the issue. I then received a letter saying I did not provide the information requested and case is closed. I would like this to be re-reviewed.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I was not late on my PennyMac mortgage for XX/XX/2022. I submitted payment before it was a full 30 days. Please see my attached document as proof. Please rectify this late payment as soon as possible.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Acceptance Company (PA)

Commercial Acceptance Company based in XXXX XXXX, PA used aggressive tactics on the phone with me while I was disputing the medical claim submitted by an Ambulance company. She threatened to report my claim to the credit score company to damage my credit score and rating.

Unacceptable and very rude may to speak to a consumer and threatened them while the case is still being disputed. When I mentioned that even the Commercial Acceptance debt collection indicates that I have until XX/XX/2022 to respond to them, the representative did not care and said that she wants answers now. 

CAC debt collection company should be fined or warned that they should not be doing this to consumers especially relating to medical bills as there are lot of complicated issues with claims, insurance coverage and disputes. 

CFPB please investigate this organization, they should not be threatening anyone like that, especially people who are dealing with medical issues. 

CAC 's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX.
Consumer complaint received 2022-03-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # 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
Consumer complaint received 2022-03-16
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)

In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # 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
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is not my account. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA, you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well. As you can see from the attached 3 bureau credit files. All accounts are reporting different dates opened. This shows that the proper protocol was not followed because the bureaus are reporting different information. This is a violation of my consumer rights and you are violating consumer law. Legal counsel will be sought if the information doesn't get removed immediately.
Consumer complaint received 2022-03-16
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2021-09-23
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. (MI)

I have contacted XXXX, XXXX and Experian regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX  and they are updating the WRONG account.