davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX  XXXX reporting on all 3 bureaus inaccurate Independent emergency physic XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXXXXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( Equifax ) should be fined, its obvious the multiple inaccuracies where shown.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

In 2017 we contracted with XXXX to replace our roof. We paid with our Citi Card. The work was not done correctly and we filed a dispute with the Citi trying to get XXXX to correct the problems. We originally received a credit for our dispute and that was later cancelled and we were billed again. We contacted Citi and had a dispute manage helping us. She agreed that XXXX needed to correct the problems and were again given a credit on the account. After years of contacted XXXX and getting inspections from an in depended contractor to document the problems XXXX agreed to correct the problem. I the mean time Citi started to send us bills and demand payment before the work was completed. After numerous calls to Citi we agreed to a payment and Citi was told to cancel the card. Citi did not cancel the card and we were billed a membership fee even after the card was supposed to be canceled. We started to get a call all in XXXX except for my name and Citi card. I do not speak or understand XXXX so I assumed this was a scam call. I finally called Citi Card and was transferred three times and was told would continue to get calls. I told the rep that I would be filing a complaint and on XX/XX/XXXX I received a letter telling me my calls would stop but they would be reporting to a credit reporting agency that the account is delinquent. This is not acceptable.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted previous disputes with XXXX with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and XXXX refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to XXXX to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Northstar Location Services, LLC (CA)

XXXX XXXX XXXX XXXX did not disclose I had to pay an ending fee to the lease. I paid upfront onetime payment for all costs. When I spoke to XXXX XXXX at corporate, they stated they have had consistent problems with the sales representative by not disclosing in full details to other customers. We are talking about around {$650.00}.
Consumer complaint received 2022-06-11
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-12-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prime Recovery LLC (TN)

Two 3rd parties, my mother and a close friend, have received text messages from Prime Reocvery LLC today XX/XX/2021 regarding a debt for XXXX. The text sent to my mother reads " XXXX XXXX This is Prime Recovery LLC please contact us regarding XXXX Go To www.primerecoveryllc.com to LIVE CHAT or Call XXXX use File # XXXX This is an attempt to collect a debt any information will be used for that purpose. Reply STOP to unsubscribe. '' The text sent to my other friend was not directly copied to me, but my friend said it mentioned calling them to resolve a debt and mentioned an amount of 2 payments of {$270.00}. Neither of these 3rd parties are me, or have ever been listed as contacts for me. My concern is contacting 3rd parties and the text clearing giving my personal debt status information out to that 3rd party in doing so. My own phone number has received no such texts.
Consumer complaint received 2020-01-29
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. (GA)

Today ( XX/XX/20 ) I called XXXX, XXXX  and Transunion. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. XXXX, XXXX  and Transunion knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 days.
Consumer complaint received 2018-04-12
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. (TX)

I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
Consumer complaint received 2021-12-06
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. (MO)

I have submitted numerous request of debt verification for " XXXX XXXX XXXX XXXX '' collection account from Transunion credit bureau. Transunion continues to mail me letters stating, " debt has been verified '' but they refuse to provide me with proof of debt validation as required by law.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report today, XX/XX/XXXX and noticed inaccurate reporting by the XXXX XXXX XXXX for my student loans for the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was ENROLLED in school, which meant i had an IN-SCHOOL DEFERMENT. There were no payments due at the time that was enrolled. I have never received any correspondence about a late payment.
Consumer complaint received 2018-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

The sales person that sold me the car didn't disclose to the TILA act, he lie about the interest rate ( he said it was 1.7or 8 %, it turned out to be 24 % ), he lied about the term of the loan ( he said it was for 3yrs, it turned out to 6 or 7yrs ), He extorted from me by lying about the initial amount that I needed to put down, in cash ( he first said, {$1000.00}, then later an additional {$1000.00} ). In the very beginning, I explained to him that this was my first time buying a car from a dealership ( I've always bought and paid cash for cars from private owners ), and I knew nothing about interest rates, finance charges, and I ask him if he'd explain the contract to me word for word. Later, I discovered that he gave me the " readers digest '' version of the contract, he left out important information and much more. The way I found out about all of the above, was after a year and eleven months, I got an email from the dealership informing me that I now qualify for an " up-grade. '' So, I called and made an appointment to come in and checkout a newer model car, XXXX  XXXX XXXX. The GM ran my credit report twice, and chose the lowest report and told me that I don't qualify for an up-grade ; my credit score wasn't that good when they found a bank to finance me, and sold me the vehicle in the very beginning. While I was there ( the dealership ), I asked to speak to the sales person that sold me the car ; and was told by another sales person that he was released/fired, because he did some very bad things to customers. And I was one of his victims. I wrote them a email letter detailing all of my complaints about everything, but disregarded my complaint and never responded to me.I would like to forward you the letter that I wrote to the GM and the  Manager of the Service Department.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital onXX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXXand have not been able to have this removed and that's the need for help.
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Consumer complaint received 2019-08-27
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-02-03
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. (PA)

I'm a victim of identity theft and I've provided the needed documentation to XXXX on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.
Consumer complaint received 2021-02-03
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. (NJ)

XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Balance updated : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Payment status : Credit card lost or stolen Account status : Closed Balance updated : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Once again I am disputing this account. I have called the company and they told me I have to contact XXXX. I have written to XXXX I have called XXXX I have even disputed on this site as well for this. The addresses that this account are attached too are not mine. Please remove items! 

This information is incorrect and is still reporting and showing. I spoke with XXXX with the fraud department on XXXX mentioned there is no fraud alert and it is fully open. 

I have submitting a dispute via phone and I am waiting on my results. Please assist.
Consumer complaint received 2021-12-06
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: OpenRoad Lending (FL)

open road lending refinance company. when i first looked at XXXX XXXX list of refinance and information. open road starting calling me about my loan for personal or refinance auto. i told them no i do not want their services and their apr is above 200 %. that is not for me. 
i started to get phone calls over several times a day about 2 months ago and told them stop calling me and stop looking into my credit. i do not want anything from open road, especially after i spoke with a representative and she told me i qualify for their loan of XXXX i told no i did not request for that if anything i looked into other options XXXX XXXX offered and just use the estimate calculator for a XXXX loan. she said okay we can do that at above 200 % apr i said no do not use my profile and stop calling me i do want your services also stop running my refinance of auto i already was approved back in XXXX - XXXX 2021XXXX as of today i got another hard hit on my auto history credit report all three major and still still being denied by the same company open road lending refinance application number as of today XXXX XX/XX/XXXX2021 i did not request for anyone process any loan auto. i want every and each of auto credit companies that continue to deny my auto refinance to remove from my credit history especially from open road lending refinance company. Also a male customer service rep was calling me over and over for me to agree on any loan i told him to stop stop calling me or i will report you and the company to cfpb. so again if i refuse the loan by phone which i have several times. now i am getting too many hits on my credit history on each major credit bureau and derogatory credit factors : i am not late and i do not have any collection and at this moment my credit history is ruin with too many repeating denials also from credit card companies. i keep getting notices and i know for a fact. i did not apply for the letters that i keep getting recently. i believe my personal profile is and has been tarnish and because i continue to say NO! i do not want any credit or loans or anyone calling me I have notice a duplicate, triplicate trending of my credit being hit hard inquires. how can cfpb help my credit history. please this is too much
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

My XXXX XXXX was current before I was in prison. However, when I was in prison my XXXX XXXX   case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX  XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in XXXX.
Consumer complaint received 2021-12-06
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. (TX)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have contacted these creditors already and they have nothing on file under my name. I am demanding the deletion of these inquiries now. 

XXXX XXXX XXXX XX/XX/2021 XXXX For- XX/XX/2021 XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2018-11-24
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. (TN)

I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information
Consumer complaint received 2018-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (GA)

I was never late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Date : XX/XX/2015 Amount : {$19000.00}