davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX  with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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. (GA)

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-21
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. (TX)

In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.
Consumer complaint received 2018-09-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached and my dispute letter with my ID
Consumer complaint received 2023-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

You are in direct violation of the fair credit reporting act many accounts have violated several of My rights. 
15 u.s.c1681 sec 602 a.clearly states I have rights to privacy.

15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose.

Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2019-04-25
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. (NE)

Equifax has mixed my brother 's credit report with mine. 

We have similar first names and our SSN 's were issued on the same day and are 1 digit apart. 
Equifax will not fix this problem despite sending them a detailed letter with documentation they requested in XX/XX/2016. 

I am once again fighting with them to get my brother 's credit information off my file. 

they are giving me the run around and I can not get even a small loan due to this error on their part. 

I have checked my credit report with other agencies and the do not have my brother 's data mixed in with mine.
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Had my credit ran to obtain car loan XX/XX/22 and a XXXX debt appeared on my credit report. I do not have a XXXX account or debt. My cellphone has been provided through my employers for past 18 years. I have filed a dispute with XXXX. XXXX is down for maintenance. XXXX wants money for credit monitoring. I just want this fraudulent report off my credit report.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had a bad experience with Bank of America. I have banked with them since high school. From my previous experiences over the phone have not been customer focused! I understand that the reps are just following their procedures but Bank of America does not think about the customers first! Since opening my account over 10 plus years ago, its rare for me to ever call customer service. But the bad thing about that is that the only times I remember when Ive called is the bad experiences that I have had! All because they cant refund a XXXX $ fee in which its rare for that to happen to me. I remember calling about 4-5 years ago due to a returned deposit, I got transferred to a manager, he put me on hold for over 20 minutes after being on the phone for over 45 min and he hung up on me while I only spoke to him for over 30 seconds and didnt get a call back, then I had to call back and the rep actually helped me and resolved my issue in 5 minutes! This time I cant even just get a XXXX $ fee refund in which I was already in the transition of having all my bills and direct deposit switched to my other bank because of the bad experiences Ive had with Bank of America. The reason of the fee is because the bill didnt transfer over to my new bank yet! I have no problem in making the deposit. But as my bank for so many years is willing to lose a great customer who never complains, and funny thing in the past Ive sent great feedback regarding their online access to them, who is only requesting a XXXX $ fee refund so I can finally leave this bank.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Credit & Finance, Inc. (NY)

I recently had to cancel my phone plan due to lack of finances from being on XXXX. After my phone was disconnected my parents, whom Ive never provided their information to anyone and I do not live with or have any connection other than relation, they began receiving calls repeatedly throughout the day from Atlantic Credit and Finance. Despite telling them they have the wrong number and that they do not have a way for them to contact me because of the phone issue they keep calling right after getting off the phone with them and harassing them asking for me. They have asked them to stop calling them multiple times. The individual that calls them every time is named XXXX and will not give them any information or a way for me to contact them other than by phone.
Consumer complaint received 2019-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (CA)

Contacted VW immediately after they gave me this loan. Letting them know, in the future I would be unable to make these payments. I called them again on XX/XX/2019 and the agent lied to me and said there was nothing they could do to restructure my loan. In fact, they have lied almost the entire year I've had the loan about this " fact. '' XXXX XXXX called me back after I hung up out of frustration and was abrasive on the phone, and continued to perpetuate the lie. I heard loud cackling and hysterical laughing in the background. Clearly I was the XXXX of their awful joke. 

I was put into an unaffordable loan, from day 1 with no regard for my budget or ability to pay the loan on a fixed income. All of these were disclosed when I made the purchase. 

I need to restructure my loan so that I can keep my car. Which I'm living in with my cats. I have appealed to VW Credit on multiple occasions. They know my situation and could not care less. I'm in jeopardy of losing my vehicle, which is also my home, due to the predatory lending practices involved.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

There are two NJ CLASS HESSA loans that just appeared on my credit report the past year., and was not being reported until now.. My credit score has been drastically affected by this reporting. This loan is beyond the 7 year ruling for reporting and has no right being reported as a delinquent account. I was merely a co-signer and this loan goes back to XX/XX/2010. I have requested that these two debts be remove from my account.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-25
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. ()

These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/XXXX
Consumer complaint received 2019-04-25
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. ()

These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/1970
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm disappointed by your failure to remove fraudulent accounts from my credit report despite confirmation of identity theft and assurance from the associated bank. This violates the Fair Credit Reporting Act. I demand immediate deletion of the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I began working on another degree in late XXXX. Something about this enrollment and information received by Navient from the school caused Navient to put my loans into deferment without consulting me first. I contacted Navient and instructed them that I had not requested this change and that I did not want my loans in deferment. I requested that my loans be restored to the same terms as before since I had not requested this deferment. I wanted my payments to remain the same and I wanted my principal to interest ratio to stay the same. They assured me that this would not be an issue. 

They, however, reduced my payments from {$440.00} to {$370.00} which is essentially extending the length of my loan. My principal to interest ratio also changed. Previously, approximately 28 % of my payment was going towards interest. Now, 40 % of my payment is going to interest. I contacted Navient in XXXX and was told, in writing, that my payments would be restored for the XXXX payment. They were not. I contacted them again once I got my monthly notification for the automatic withdrawal and it did not reflect the change. I was told that it was too close to the date and that I would have to call and request this again after XX/XX/XXXX. 

I called again and was told that the issue needed to be escalated and that they would get back to me in a few days. It has been a few weeks and I have not heard anything. The XXXX payment came out at the reduced rate and I can see on their website that the XXXX payment is scheduled to do the same. 

I have reached out to Navient several times regarding this issue and can not seem to get this settled on my own. After several attempts, I do believe this is a deliberate act that needs to be investigated by a higher authority.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (SC)

Americollect Inc. 
XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX {$440.00} Account Number : XXXX {$55.00} Americollect Inc. Agent : This is notice to you that I am going to file suit against you for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

I received a credit alert from XXXX, XXXX, and XXXX that your company has flagged my accounts for collection. Exactly 2 ( two ) days from the date ; your Compliance Analyst apologized to my husband ( XXXX ) about this fraudulent account. Americollect Inc. has now fraudulently flagged my report. I do not now nor have I ever agreed to this contract! Proper documentation from Americollect Inc. was never provided for me to allow you to validate this alleged debt.

Amercollect Inc. has been proven to be a fraudulent 3rd party collection agency that violates its alleged clients patients H.I.P.P.A rights. ( see attachments ) *Provided proof of apology.

Any further contact in this alleged collection matter will be seen as an act of paper terrorism and mail fraud. You are not the HOLDER IN DUE COURSE and you have no standing in a U.S. Court.

You have 10 days from the date of this letter to remove this fraudulent account from my credit report and restore my scores or I will sue your company for a monetary amount in triple damages.

I urge you to take this extremely seriously as I have documented my case with witnesses and without error!

All further contact from you will be FULLY DOCUMENTED and added to the already existing evidence and made available as evidence in the Court action against you. 

Americollect has NOT responded and the accounts remain on my credit files.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

My lease XXXX XXXX was in accident on XX/XX/2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with Toyota Financial loss department. They issued a payment check to Toyota for the lease car ( XX/XX/2018 ). Toyota then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XX/XX/2018. I started receiving phone calls from Toyota around XX/XX/2018 re their resolution result. I never received any letters from Toyota re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX balance. I contested the TOYOTA GAP insurance payout because it was incorrect ( because Toyota had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. Toyota GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two Toyota GAP  customer representatives around early XX/XX/2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process Toyota prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XX/XX/XXXX, I received a call from the collection agency saying that I owed Toyota XXXX. I was extremely angry at which point I told the debt collector I will call Toyota to resolve this because my GAP insurance claim is still being resolve with Toyota and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called Toyota who then said that they are no longer responsible and did not help  me except to say resolve it with the collection agency. By the end of XX/XX/XXXX. ( maybe early XX/XX/XXXX. ), Toyota GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XX/XX/XXXX. Toyota financial has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my Toyota GAP insurance claim process. This account was paid and finalize in less than 2 weeks from Toyota GAP insurance GAP claim  completion.