davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
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)

Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. Equifax, however, will not even respond. I called Equifax and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting EquifaxXXXX XXXX and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
Consumer complaint received 2023-02-01
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. (CA)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

XXXX is trying to collect a debt and I am in good standings with the company and have been for sometime now. When I restarted my service I was told that my debt has been taken care of and I continue to this day to be in good standings with wind stream communications. Thank you XXXX XXXX
Consumer complaint received 2021-05-06
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. (LA)

Equifax should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (PA)

I attend XXXX  XXXX University and will remain in school for some time. I have told SallieMae this on multiplayer occasions and they have acknowledged this. Using and auto dialar they call me several times a day, monthly. I have talked to several associates at the company to rectify this issue and they have acknowledged I am not on an automatic dial list but I still receive collection calls. I should be in deferment because my financial position, and enrollment position has changed since these loans disbursed. Sallie Mae is breaking collection laws by not removing me from on auto dial list.
Consumer complaint received 2022-04-27
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. (AZ)

n accordance with the Fair Credit Reporting act XXXX 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 2023-02-01
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. (CT)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Gon na Add to the next update )
Consumer complaint received 2021-12-03
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax and XXXX  are reporting lates in XXXX, XXXX and XXXX, 2020. ( Please see page attached from my credit report from XXXX, 2020. ) XXXX  is now reporting on my most recent credit report that I was allegedly late in XXXX, 2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, XXXX  has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX  is reporting correctly. I request that the late payments be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX should not be reporting to XXXX ; Experian and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Account Control Technology, Inc. (CA)

On XXXX/XXXX/2017 the company Account Control Technologies contacted me by phone at XXXX which is my local time as I presently reside in XXXX XXXX CA. This is way before the XXXX requirement and was extremely disruptive.
Consumer complaint received 2021-07-14
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: LEXISNEXIS (MD)

LexisNexis is reporting a lot of inaccurate information on my accurint report and supplying it to its clients i have disputed the item due to inaccuracy I 1st submitted my dispute in XXXX we are now in XXXX it has yet to be corrected here are my complaint # s as proof of my disputes complaint # XXXX XXXX 2nd # XXXX XXXX i need an updated copy of my report showing these in accurate information has been deleted off my accurint report will be attaching a copy of my most recent dispute along with other information
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Since opening my account with Citi Bank, every single payment that has been made has been held, for no reason, for anywhere from 1-3 weeks without being credited. I have never had a single missed payment, bounced payment or other issue that would cause this. Furthermore, I have paid my account on time every single month and paid much more than the minimum payment regularly. When I have spoken to Citi about  this, they have told me that they have no idea why this is happeneing. Every time I escalate the matter to a " supervisor '', they promise to " investigate '' the matter and reach back out but that never happens and the issue never gets resolved. Right now, I have a payment that I made for {$250.00} on XXXX/XXXX/XXXX. This payment came out of my checking account as PENDING on XXXX/XXXX/XXXX and POSTED to the checking account XXXX/XXXX/XXXX. My payment has not reflected in my available credit as of XXXX/XXXX/XXXX. Upon reaching out to Citi, they again informed me that it is ON HOLD until XXXX/XXXX/XXXX with no reason or justification why. 

I want this matter resolved and I want all future payments to my account credited in a timely manner. I have numerous credit cards with numerous other companies and every single one credits the payment ( generally ) to my available credit within 48 business hours. Citi should be doing the same.
Consumer complaint received 2021-05-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

On XX/XX/XXXX I received a letter via USPS from a debt collector, Conserve. I was unaware I owed my community college any money, so I contacted Conserve XX/XX/XXXX to immediately get on a payment plan to avoid anything getting reported on my credit. They assured me over the phone I would avoid any negative marks on my credit if I set up a payment plan. They refused to provide me anything in writing. I paid XXXX dollars on XX/XX/2021. On the XXXX, I paid an additional XXXX. On the XXXX another XXXX, XX/XX/XXXX another XXXX. On XX/XX/XXXX I received notice that a collections account was reported to the credit bureaus. Not only was a collections account from conserve reported, but the entire amount of the debt was reported UNPAID. As if I had never paid them anything. I paid the debt collector as promised on time, compliant with our payment plan. I called conserve on XX/XX/XXXX and they told me payment plans dont mean anything and they wouldnt help me resolve the problem. In result I ended my payment plan with Conserve because I no longer trust the company. Ive paid them nearly {$300.00} dollars and in return theyve reported to credit agencies that Ive paid them nothing and the account is UNPAID.
Consumer complaint received 2021-05-06
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. (CA)

All three Credit Bureaus Equifax, XXXX XXXX, and XXXX are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-12-03
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. (IN)

I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting. They are in violation of the FCRA.
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.
Consumer complaint received 2023-02-01
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a new credit card with capital one. I applied online. for months capital one was sending me notice that I'm pre-approved for a Quick silver credit card. after applying for the QS card. I was approved and the card was sent to my home with a {$10000.00} credit limit. I activated the card for use attempted to make a small purchase and the credit card was denied. I called capital one to see what the problem is. I was informed by a rep that they need more information from me. I have another credit card account with capital one in excellent standing. they want a copy of my SS card, light bill, and state ID. after complying a few times with their request. they said my state ID. wasn't a good ID. capital one inquired on my credit report after saying it wouldn't go against my credit. I decided, I didn't want the card after the hassle to use it, however I did register a complaint with capital one after they approved me for credit.