davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (NV)

I have a recorded call today of them implicating their attorneys when I requested them cease communication via all mediums especially my consumer reports. XXXX was very disrespectful and certain their attorneys would handle this in court. Also said because I sent a certified affidavit and cease and desist pursuant to 15 USC 1692c ( c ) that they do not have to stop communicating the debt to me which it says in that law clearly that they do. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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 Accordance with The Fair Credit Reporting and XXXX  Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions XXXX : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Equifax Remove those Fraudulent Inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  XXXX XXXXXXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2020-04-14
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. (GA)

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX XXXX Credit limit {$100.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX XXXX Credit limit {$800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation (IA)

Concord Servicing is the BIGGEST, RIPOFF Company that EVER EXISTS!!! I wish there was a MINUS RATING that I could give them they REALLY DO DESERVE IT!!! DO NOT EVER DO BUSINESS WITH THEM IF YOU HAVE A CHOICE!!!! I had an account through XXXX XXXX and and never missed a payment or never late on a payment. After a few months XXXX transferred my account along with thousands of others to CONCORD SERVICING. WHY my account got transferred is a mystery to me. My payment was due on XX/XX/2020. I called Concord to make the payment and was told that they could not take my payment ( so they REFUSED my payment ), I was told to call back on XXXX XXXX, I called them then and was told the same thing that they could not take my payment and to call back the next day. I called again on XXXX XXXX and was again told they same thing that they could not take my payment and to call back the next day. So I called again on XX/XX/XXXX and was finally told that they had my account transferred over in their system and that because of the delay and the fact that it was their fault they were waiving my XXXX payment and that my next payment would be due on XX/XX/XXXX. I logged onto the website today ( XXXX XXXX ) to make my payment and it shows that I am 30 days behind in payments and there is 2 months payment due. My XXXX payment was NOT WAIVED as promised. I called in to complain about it and was told that yes they did make a mistake in their computers and that the people I spoke with in XXXX LIED to me ( and MANY others ) and gave me incorrect information and that XXXX payment is still due along with XXXX ... I am XXXX and live on a tight budget so with that and all of this XXXX issues it really helped to not have to make a payment for XXXX. BUT now I find out that XXXX is screwing me over and messing up my credit rating and causing MAJOR problems and inconveniences this month. WHAT A HAPPY HOLIDAYS this is going to be!!! And DO NOT expect any compassion from ANY of the people that you will talk to on the phone. I have called many times and have NEVER spoke to ANYONE who can speak more that 2 words of English in a row, it is almost impossible to understand them without asking them to repeat themselves over and over again. These people DO NOT CARE that they are hurting their customers!!! So like I said at the beginning - DO NOT DO BUSINESS WITH THESE CROOKS!!!!
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (GA)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received your response to my complaint that was made through the CFPB ( Case # XXXX ), that I have attached to this complaint. As a consumer, I have a right to ask the following questions and request the following documentation regarding the investigation of this alleged account. 

Your company stated that there is not a signed copy of an application for this alleged account, but you were able to verify the account due to alleged contact information that has been linked to me by public record. As stated in previous disputes with the credit reporting agencies, which you have acknowledged in your response this account was opened fraudulently. Can your company explain in detail how you think finding alleged information about me on public record is considered as a burden of proof? 
The alleged information that you have received from public records to verify that this alleged account is mine, is incorrect. Please provide a signed agreement that I have made with your company, or other verifiable proof that I have a contractual obligation to pay your company. 
You have also stated that you verified that the alleged social security number and date of birth that you have on record is mine by my credit report. Are you implying that both you and the CRAs discussed my nonpublic personal information as an attempt to verify this fraudulent account? 
Your company also stated that on XX/XX/XXXX, you placed the account with XXXX XXXX. Was this debt assigned to that third party debt collector or purchased? 
If this debt was purchased, how much was the debt purchased for? 
Your company has also stated that on XX/XX/XXXX this account was charged off. Have any insurance claims been made regarding this alleged account? 
Your company has also stated that on XX/XX/XXXX, you received a payment from me to settle this account. Who made this payment? How were you able to verify that this alleged payment was made by me? 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please also verify that you know and understand that contacting me again after the receipt of this notice without providing procedurally PROPER validation of the debt, constitutes the use of interstate communications in a scheme of constructive fraud. 

Authorized Signature of Creditor : Date :
Consumer complaint received 2020-12-01
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. (MI)

I HAVE TRIED SEVERAL TIMES TO GET THESE FRAUDULENT INQUIRES OFF MY EQUIFAX CREDIT REPORT, MY IDENTITY WAS STOLEN DUE TO THE EQUIFAX DATA BREACH, I FILED A POLICE REPORT, AND FILED A FEDERAL FTC REPORT, THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT BUT NOT ALL OF THE FRAUDULENT INQUIRES, XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, I HAVE BEEN LIED TO NUMEROUS TIMES FROM REPRESENTITIVES FROM THIS AGENCY STATING THAT THEY HAVE REMOVED THE INQUIRES, OR THAT THEY DONT SEE THE INQUIRES, BUT YET AS OF TODAY THESE INQUIRES STILL ARE REPORTING ON MY CREDIT REPORT,, I WILL ATTACH MY FTC REPORT, AND POLICE REPORT TO SUPPORT THESE CLAIMS, MY RIGHTS HAVE BEEN DENIED TO ME BY THIS AGENCY, I AM ALSO AN EQUIFAX PREMIUM MEMBER WHO PAYS FOR IDENTITY THEFT PROTECTION, YET WHEN EVER I TRY TO GET HELP FROM THIS AGENCY, I GET TREATED AS IF IM THE ENEMY.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT Fl XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. A Bankruputcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT FL XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, Experian ) has found information on ( type of file - Tax Lien or Bankruptcy )  through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reported this card my Capital one card stolen and the account was closed. I was under the impression this issue was resolved and all charges to amde to the account would be disolved/handled by Capital one because they were not charges made by me. Capital one continues to report a charge off the credit bureaus. Ive disputed this as well as written a letter to capital one, but this issue has yet to be resolved.
Consumer complaint received 2020-12-01
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: Consumer Adjustment Company Incorporated (FL)

I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXX XXXX XXXX XXXX- {$300.00} Charge off accounts 2 ) XXXX XXXX/XXXX {$300.00} charge off account 3 ) XXXX XXXX XXXX {$33000.00} late payment account 4 ) XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XXXX XXXX XXXX {$260.00} charge-off account 6 ) CONSUMER ADJUSTMENT CO - {$910.00} collection account
Consumer complaint received 2021-10-19
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: GOLDMAN SACHS BANK USA (TX)

XX/XX/21 made a purchase of {$240.00} on XXXX after receiving the items I contacted customer support about not disclosing the item ( XXXX XXXX ) wasnt supported by XXXX on their site until we saw a sticker on the box they said it was supported after communication I offered to send a video of the item not working since it was defective they offered to exchange it however it cost {$220.00} to ship it out to their company in the XXXX Ive tried disputing it with my card company and the first was denied I only wish to dispute {$170.00} of the {$240.00} for the item they know i received defective. I dont think its fair that Im stuck with an item that doesnt work I dont have {$220.00} lying around to ship it back out I dont see why they cant provide a label after acknowledging their item doesnt work. I would greatly appreciate any help I could get with this matter. I wanted to return other items with this order as well confirmation of my return request was XXXX. If its not possible to return I at least want to dispute the defective item.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One bank has been promoting that it will help its customers through the pandemic. Since XXXX, I have been contacting them so I can get help with my monthly payment due to my hours being reduced at work due to COVID 19. They agreed to help me and said they will enroll me in a program that will make my account current without any minimum monthly payment. In XXXX i received a notice that i was late, I called and they said that i was supposed to call every month. I said i wasn't sure i understood that and if they can please help me and they refused and made my account 30 days late and sent it to my Credit report which cost me 40+ points reduction. In XXXX i made the call again and ask if i can have my interest freeze because my card went over the limit due to interest and i don't have enough to make payment and they said they cant. and in XXXX i made the call as well. In XX/XX/XXXX a Representative said he has a better plan for me that won't require me with any minimum payment or late fees. I asked if i still had to call every month and he said i don't until XXXX but now I'm receiving notices in my credit score that I'm late 3 months, and I'm receiving emails feeling pressured to make a payment on XXXX for {$200.00} to make my account current or will be going in collections which means it will affect my credit score as well. I Now call in XX/XX/XXXX and ask why is my account showing I'm behind 3months and why is this being sent to my credit report and they said that is due to the new program. I explain to XXXX the manager that it wasn't what I was told especially with the questions I specifically asked which were do i have to make a minimum payment, will my account be current, and do I have to still call every month. XXXX said she can't do anything for me but to review the call. This is the first time I have ever written a complaint with capital one because they are my favorite bank but with the situation, I'm going through I feel they are juggling me around and giving me all these fees towards my account when they know I can't afford it. It will not be a fair call where I'm asking for help and my account goes into a collection or destroys my credit score more than what it is all because no one wants to help.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.