davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (FL)

In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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 2021-06-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

On XX/XX/2022, I received a phone call from A.R.M. Solutions, INC ( she identified herself as XXXX XXXX, asking to pay for a debt ( of {$16.00} for a XXXX XXXX subscription ) that I do now owe. I also received a written note that says the same thing on the same day. She asked me how I do not owe the debt rather than describing what the debt is, such as which month 's subscription and when the last payment was made. I believe the call is a scam.
Consumer complaint received 2021-06-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

1. I have never been late with payments on this account. Balance on the account is wrong.

XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.
Consumer complaint received 2021-06-24
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. (OH)

The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-24
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. (FL)

I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD
Consumer complaint received 2020-10-21
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: CORELOGIC INC (TX)

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Re : Accounts ending in XXXX and XXXX Capital One Case : XXXX CFPB No. : XXXX I disputed both account # XXXX and # XXXX with Capital One for these two accounts. Capital One sold both accounts to a collection agency. Captial One chose one account # XXXX to request back from the collection company and did not request the second one back. They both have the same dispute errors mentioned. I am requesting the specific reason as to why Capital One chose one over the other when both accounts have the same issue and are listed the same way. 

How can this be fair business practices? I am requesting the details of why they requested this account be removed and returned to them and not both.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (MI)

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXXo festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the XXXX have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an XXXX saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE XXXX HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Consumer complaint received 2022-05-03
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. (MI)

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the XXXX as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with wells fargo without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Before moving out of the residents the apartment manager had made a agreement with me to pay on damages that had accrued i had paid {$790.00} in total she had given me hand written receipts she told me that once repair total was paid in full the maintenance man would come an repair the issues at the time of me moving i had asked the lady if the repairs were going to be a issue since i had paid them she said no they would be repaired before the corporate office came an inspected the apartment to see what needed to be charged then i get this huge bill on me credit. this was taken care of already.
Consumer complaint received 2021-06-24
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. (TN)

I have contacted the company within several months disputing the inaccuracy in their report under my social security and did not get a respond. I finally contacted CFPB and filed a complaint against the company on XX/XX/2021 and they still did not address the problem and I still see that they are reporting my personal info inaccurately and accounts that its not mine.
Consumer complaint received 2020-10-21
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: American Credit Acceptance, LLC (TX)

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX AMERICAN CREDIT ACCEPT XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
Consumer complaint received 2023-04-10
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. (GA)

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2020-10-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a XXXX  account and a credit card for that account that was enrolled in auto pay for several years. At some point, my credit card was stolen and after reporting I was sent a new credit card. I did not use this card for a few years until I was asked to either use the card or the account would be closed. Consumers should not be forced to use a card. 
However, I used the card to make purchase and months later I received an alert on my credit monitoring service that my account was delinquent. 

On contacting the customer service dept about why my card did not auto pay the amount, they mentioned that discover uses the same number for credit card and account number ( an internal detail ) and that changing a credit card number changes the account number and therefore the auto pay setting was turned off. I received no email, no text message, no phone call notifying me that my account was past due. When I talked to the agent she asked me to check my statement and my statement showed due date in the future and no indication of having missed a payment. She then walked me through the previous balance and interest charged and then mentioned because you have previous balance your account should be considered due ( Note that accounts can have previous balance even if you make minimum payments and this is not an accurate method to say the account is past due ). Totally horrible customer experience and discover was not willing to acknowledge that they are at fault. 

Internal details of a company and how their cards or security work shouldn't impact the end client and their financial future.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose
Consumer complaint received 2020-01-28
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. (TX)

XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX - partial account number XXXX. XXXX  and Transunion are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX, the initial settlement agreement with Kohls was made for XXXX. The initial agreement was for 3 payments for XXXX, XXXX, and XXXX ( XXXX cents more for whatever reason ). Due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. I later received a letter before the first payment was due, dated XX/XX/XXXX. The letter states the same three payments due on XX/XX/XXXX, XX/XX/XXXX, and NA. 
On XX/XX/XXXX, I called and made the payment totaling XXXX from two accounts. On XX/XX/XXXX, an automatic withdrawal of XXXX was taken out of the account. I was expecting XXXX to come out as my second payment. So I called on XX/XX/XXXX to get more information. Supervisor XXXX states the agreement was broken as of XX/XX/XXXX. Kohls is not honoring the written agreement. The representative and the supervisor would not even acknowledge the letter or give me the opportunity to make the last payment.