davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FIRST HORIZON BANK (NC)

My car loan was sold from XXXX XXXX to XXXX XXXX. When XXXX XXXX was going through their merger, they couldn't tell me where the account was or where I needed to make a payment. Once we could finally get someone that could pull up the account, they refused to talk to my wife or take a payment from her until talking to me. We have asked multiple times for a permission form to be sent to us to give them permission to talk to her and we have yet to receive one. She is the one that makes the payments due to our work schedules. She is my legal spouse and works for a XXXX XXXX herself and doesnt understand how they can refuse to talk to her or take a payment from her on my open loan.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX account xxxxxxxxxxxx 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (FL)

this company is beiing file against SunTrust Line of credit. account XXXX. This is i as a line of credit that they close because after eight year never missed payment unite my father dead and we went through some hardship. SunTrust employee just harassments me for XXXX on the account call my home three to four time a week. there representative need to train they close my account with out being 30 day late. they sent the statement for the XX/XX/XXXX bill and the billing cycle is 31 day. I ask them not to call my house any more. and they said just pay the XXXX and we will stop call. this is nothing more then harassment for XXXX. never being late or missed any payment. the representative told me that my line has a10 grace time before it come pass due. this is what there me respresentative. went dose the hardship come in after loss a family member and upstanding
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX   XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (GA)

Someone opened a XXXX account under my name from an address I was no longer living at. I had reached out to XXXX to dispute the debt and was told a technician did some work outside the home and all calls were rerouted to a number I never had. XXXX rep had informed me that they will remove the charges then. The first debt collector called and threatened to have me arrested. I submitted a complaint on them with FTC.gov. Now I have another debt collector for the same issue requesting information that is impossible to get because this issue occurred more than 10 years ago. They just keep writing and updating the debt. I refuse to pay for something I did not do and would like for EOS CCA to stop contacting me for a fraudulent account that happened over 10 years ago. 

Now they are requesting a police report. The police told me to file a complaint and report identity theft on the FTC.gov website in which I did. I am not sure if the landlord who owned the home is still there. I had moved out of that residence since my vehicle accident in 2007 but still had mail go to the address until I found a stable home during that time. When calling the police station I went to, I was told there is nothing they can do. So it is impossible for me to get the information they are requesting. 

I feel this harassment for payment that is not mine and want it to stop. 
The collection company harassing me is once again EOS CCA, XXXX XXXX, XXXX, MA XXXX.
Consumer complaint received 2022-07-12
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. (VA)

Please be advised that XXXX XXXXXXXX XXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried calling XXXX, Experian, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Consumer complaint received 2022-07-12
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. (VA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2023-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2018-11-13
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. (TX)

There are fraudulent accounts on my credit report with Equifax, That Equifax knowingly placed on my credit reports even after being sent a signed law enforcement Identity Theft Affidavit clearly explaining the crime, and clearly showing the unauthorized accounts. These accounts include a Line of Credit from XXXX XXXX, an Auto Loan from XXXX XXXX both of which the company was notified that I am a victim of Identity theft and that I did not authorize this account to be opened in my name when my wallet was stolen it contained my social security card, my email addresses and my additionally contained my Drivers License. I never received any cards or account information from these accounts, Therefore I did not authorize these I never signed any cards and the accounts were opened at an address I haven't ever lived at. In addition to these two accounts, Equifax allowed for XXXX XXXX to place two UNAUTHORIZED FRAUDULENT Credit cards on my credit report, and XXXX XXXX XXXX credit card on my credit report. They have been notified these are contained on the Identity Theft Affidavit that Equifax was sent and I will re attach here once again. These accounts not only show the incorrect credit limit but each of these instituions were notified that I am a victim of Identity theft.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have tried calling XXXX, XXXX, and EqualFax explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Consumer complaint received 2021-04-13
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/2020, an unauthorized ( not part of any contract ) {$540.00} " no show fee '' from XXXX XXXX, a hotel in XXXX, South Carolina, was placed on my Chase XXXX card. I called the hotel to attempt to get a refund, but when they stubbornly refused, I disputed the charge with Chase. I submitted all reasonable documentation : reservation confirmation from XXXX, account statement showing points debited, and the bill from the hotel for the supposed " no show fee ''. The confirmation from XXXX does not mention the existence of a no-show fee, only a cancellation fee. I wasn't able to cancel the reservation, so I forfeited the points paid, and so the cancellation fee isn't applicable as no points were refunded. This should have been an open and shut case if Chase had properly reviewed my documentation. Instead, they dragged the case on for weeks and closed it saying I didn't provide sufficient documentation. They reopened my dispute when I resubmitted the same documentation, but then said I submitted the documentation too late! They never actually contacted the merchant about this issue, deciding internally to close this case 3 times in the merchant 's favor. Their anti-consume stance and ignorance of evidence is unacceptable!
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and Equifax, XXXX and XXXX XXXX  are breaking the law by reporting this in inaccurately. I know that XXXX  XXXX is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.
Consumer complaint received 2019-03-27
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (LA)

I sent a certified letter to ProCollect regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex XXXX XXXX XXXX directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX was a previous apt management company that managed billing and is no longer in business. I contacted the corporate office which stated they have no information due to XXXX managing in the past and they are no longer in business. They stated they are under new management and unable to assist me, so HOW DID PROCOLLECT PROPERLY VALDATE THIS DEBT? The only information I received from ProCollect was a copy of a application, detailed bill, and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or Drivers license should be on file for verification purposes, and none was sent with the information Procollect sent me. The information on the application DOES NOT belong to me, THE SIGNATURE is NOT MINES. I never lived on XXXX XXXX which is listed on the apartment application, anyone can have my employment information. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Consumer complaint received 2022-07-12
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. (PA)

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Here is the list of erroneous items found in my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of XXXX companies who are Experian, XXXX, and XXXX. 

EXPERIAN has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX. 


However, the credit XXXX  manager by the name of XXXX, has verbally told me he could not understand why Experian, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect XXXX discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and Experian has my score at XXXX through the MY FICO app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in 1995, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to XXXX with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I have called PayPal Extra Mastercard and the issuing bank for PayPal, synchrony bank and have not got any help until I tried settling for removal off my credit report and was not honored part of my agreement to settle the account even if it wasnt authorized by me to begin with.
Consumer complaint received 2018-11-13
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. (WA)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged XXXX