davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
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. (FL)

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.
Consumer complaint received 2018-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from XXXX XXXX saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

XXXX XXXX bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-09
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I co signed on a car in XX/XX/2020 thru XXXX XXXX in XXXX new jersey. I was not shown nor aware of XXXX XXXX XXXX being applied as I was just given a signature pad and asked to sign and was not shown what I was signing. The vehicle was totaled in an accident 2 weeks after purchase. I contacted insurance company who paid credit acceptance XXXX in XX/XX/2020. I then reached out to credit acceptance also XX/XX/2020 they told me my remaining balance was XXXX they agreed to accept XXXX a month toward remaining XXXX, they did at that time offer me XXXX to settle account. I checked my credit report today the reported a late payment on the XXXX however did not change the balance owed. I called them today and questioned the late payment as well as balance and they are telling me I owe them XXXX now.
Consumer complaint received 2018-02-12
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: Franklin Credit Management Corporation (GA)

I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX Do Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.
Consumer complaint received 2021-06-09
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX is charging me late fees despite my having already made greater than minimum payments. 
On XX/XX/XXXX, I paid my XXXX balance ( including a late fee ) in a store. They wouldn't tell me the balance amount so paid an amount I knew would be greater than it ; I ended up paying {$78.00} more than my balance, therefore I had that amount to spend before owing anything to the account. 
On XX/XX/XXXX I made a {$56.00} purchase. I knew the overage in my account would pay for this. Yet on XX/XX/XXXX I was charged a late payment fee even though I had already paid XXXX this amount months earlier. In XX/XX/XXXX or XX/XX/XXXX, I was able to reach XXXX on the phone and explained that they had charged me an incorrect late fee, that I had paid what I owed months before the fact. I asked what happened to the {$78.00} I had overpaid. The associate said I had been mailed a check in XX/XX/XXXX ( reflected on older state as XX/XX/XXXX Credit balance refund + {$78.00}. ) I said I had never received such a check and that XXXX could not simply post a purchase to my account if I did not actually receive any products of funds. The XXXX people agreed : they refunded the XX/XX/XXXX late fee and they said they would send " another '' check for {$78.00} to account for the {$78.00} purchase they had taken out of my account on XX/XX/XXXX. I asked for a reference number I could refer to if I again received no check and needed to call back. The associate promised I would get a check and would not need to call back and refused to provide a reference number. They said I would receive the check in 6-8 weeks. 
Months later, I had still not received any check. 
On XX/XX/XXXX, I made a purchase at a XXXX store. My next payment due date for the card was XX/XX/XXXX, with {$27.00} minimum payment due. I did not pay this as I had already paid XXXX the {$78.00} on XX/XX/XXXX which they have to this day not applied to any of my purchases nor transferred into any bank accounts I own. On XX/XX/XXXX they charged me a late payment fee of {$27.00}. Of course I did not pay because I was not late, I had already paid enough to cover the minimum payment on XX/XX/XXXX. On XX/XX/XXXX they charged another late payment fee, this time for {$38.00}. Again I did not pay the fee because I had already paid in XX/XX/XXXX and that amount I had paid was more that the minimum payment would have been excluding the phony late fees.
Consumer complaint received 2020-09-11
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. (MI)

I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX Assistance XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX of XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence
Consumer complaint received 2020-01-26
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. (NC)

On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (IL)

101  : Between XXXX - XXXX, 2020 ; my Credit Score, just as sure as the Government declared, the National replacement for general forbearance, the acceptance, I had no choice, about to say ; yes or no ; I talked to the Ed Finanancial Service, ; okay, I an explanation for why the, Immediate 200point drop of my Credit Score, wouldn't ( would not ) be evermore now, as sane ; or rule explainable, not ; I mean it was the only thing, i wasn't paying off- and surely surely, all my Credit notations say " good payer, ' '' so 1 ) they partially ruined, the credit but stated, there is no way they did ; so that resolved untap the world of the other Self-fettered, commentary that by XXXX  itself, yeah you know you're Score is messed- up involuntarily : so just ask for moneyback, for the XXXX  ; services ; and in. Service. 

And, now just to make sure, that this Ed Financial report doesn't go without a purpose ; for years now I have been XXXX  XXXX, XXXX XXXX and associated with XXXX XXXX and fundraiser-er and XXXX worker of 12 years as a XXXX  XXXX XXXX XXXX ; and now, then 12 Years as XXXX XXXX XXXX XXXX, and now exactly, another 12 Year supposed span from which I started the XXXX, Certification and have kept up with the XXXX ; and Professional Development, and also much ; the XXXX  partnership with the XXXX XXXX XXXX, forth which, there is not anyone yet declaring my XXXX XXXX have any sore of Applied, Acceptance by the XXXX prepay, Ed Financial without XXXX XXXX, vs. the Ed Financial notations of each and every moment ; that for years ; would suggest " GOVERNMENT PLEASE PAY OFF HER LOANS SHE ALREADY PAID OFF XXXX HER OWN!! '' Come on. I would also, like a Total refund, of which should have been immediately, refunded, for Advantage resonations ; thank you ; and anytime. Contact me, for, more info : ( and I respond, with XXXX XXXX XXXX, work and write on viewpionts and personal blogs and for Donations, do coupons. )
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

In reference to account number # XXXX from 11 XXXX open on XX/XX/18 $XXXX  is the amount that is started that I owe to this company. I have filed a dispute with the credit bureaus. That I did not open this account nor is this my account. It was open fraudulent. And with out my knowledge.
Consumer complaint received 2021-06-09
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. (KY)

I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( XXXX, XXXX  and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to XXXX  and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX   and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with XXXX, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: I.C. System, Inc. (AR)

I had a collection on my credit report I paid in full XXXX  months ago and its still on my credit report I need it move before XXXX I paid XXXX dollars to XXXX in XX/XX/XXXX th account in full not collection agency contacting me saying I how to pay I got bAnk statements to prove I paid
Consumer complaint received 2022-04-30
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America withholds deposits and other transactions in order to assess fees. They just did it to me again, I was alerted immediately when my account became overdrawn. I then immediately transferred funds from my XXXX account into my BOA account, which usually hits immediately, but if didnt, then I was alerted I was assessed a fee so I went back to XXXX and transferred more money thinking maybe it will go through and it did not either. So now the money is out of XXXX and is not in Bank of America its being held by boa, meanwhile they are charging overdraft fees to my account. Im sick and tired of this shady business practice by boa
Consumer complaint received 2018-02-14
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. (PA)

Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. 

Equifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. 

I'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.
Consumer complaint received 2020-01-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/19 Letter from USAA STATES Verify USAA Credit Card Fraud Charges If you still believe these charges to be fradulent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf. USAA reps DO NOT REPORT FRAUD WHEN I CALL They say a duspute not fraud USAA REFUSES TO SUBMIT FRAUD WHEN I NOTIFY THEM. ( * They CHANGE WHAT I REPORT ) Are they supposed to change what I report? I WAS SENT A NEW CARD BUT NOT PAID FOR THE FRAUD It has been over a year that I have been held liable for the amounts on this letter {$10.00}, XXXX, XXXX, XXXX, XXXX Were fraud investigations ever done? If so when was temporary credit given What results of investigation?
Consumer complaint received 2022-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (NY)

Once again M & T Bank 's use of the merchant website XXXX  apparently run and handled by XXXX XXXX of M & T Bank is in our opinion an abject and total failure. Every single time we need to login it either does not accept our password, or the multiple idiotic " verification questions '' which seem to change or be altered each and every single time. When we have complained out of frustration to XXXX XXXX, we are met with her derision, arrogance, insults, veiled threats, haughtiness, and plain old XXXX poor customer service. This problem is especially egregious because we have just today received a credit chargeback ( on a Saturday ) which is time-sensitive otherwise they will remove probably tens of thousands of dollars from our account. In addition, the " forgot password : feature does not work either because it does not recognize the temporary fake answers to the questions that XXXX XXXX placed in when we complained last time. Please urgently investigate and advise.
Consumer complaint received 2019-11-14
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. (NC)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.