davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (MA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (FL)

Accounts in question : DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX Thank you for responding to my previous complaint through the CFPB Complaint Portal. In your response, you have somehow come to the conclusion that I indicated inaccuracies reporting on my credit file and the inaccuracies have been verified by the furnisher.

Upon further investigation of the accounts reporting on my credit report, I have found several inaccuracies in the payment history, balance updated date, and status not matching with XXXX which will be attached. I have submitted the same complaint to XXXX and they removed the accounts from my report because of the inaccuracies. This has given me the consumer more reasonable cause to believe that this information is inaccurate and according to 15 USC 1681s-2 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.

At this time, I am requesting to have the late payments be removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the late payments have been removed. I eagerly await your response!
Consumer complaint received 2023-01-09
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

FIRST AND FOREMOST CAPITAL ONE AUTO FINANCE RESPONDED TO MY INITIAL LETTER CERTIFIED XXXX MAIL ( TRACKING # : XXXX ) WITH A LENGTHY AGREEMENT ( PROOF OF UNAUTHORIZED USE ) AS IF THAT WAS SUFFICIENT EVIDENCE OF ANY ALLEGED DEBTS. BY FURNISHING THAT AGREEMENT, THAT CONSTITUTES ADMISSION TO MY ALLEGATIONS. CAPITAL ONE AUTO FINANCE IS GUILTY, LIABLE AND RESPONSIBLE FOR ALL DAMAGES ARISING FROM THERE DECEPTIVE, MANIPULATIVE, AND COERCIVE BEHAVIOR. CAPITAL ONE AUTO FINANCE DIRECTLY VIOLATED MY RIGHTS PURSUANT TO FEDERAL LAW. CAPITAL ONE AUTO FINANCES ALLEGED AGREEMENT DID NOT SET FORTH THE PERTINENT FACTS OF THE MATTER IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER ; NOR DID ANY OF ITS AGENTS. IT WAS IMPOSSIBLE FOR ME TO UNDERSTAND THE JARGON WITHOUT MY OWN LEGAL COUNSEL PRESENT. ANY ALLEGED AGREEMENT BETWEEN ME AND CAPITAL ONE AUTO FINANCE IS NULL/VOID! I NEVER RECEIVED ADEQUATE NOTICE PLUS CAPITAL ONE AUTO FINANCE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CAPITAL ONE AUTO FINANCE REPORTING FALSE ALLEGATIONS TO XXXX PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Consumer complaint received 2020-10-13
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. (VA)

XXXX XXXX XXXX XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs to me.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

I opened a savings and checking account to obtain a {$700.00} bonuses ( XXXX checking & XXXX savings ) and have yet to receive the bonus? I called CITI and they said it will be 90 days from the date of the call.
Consumer complaint received 2020-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (FL)

I should receive a return check of XXXX usd from Barclays Bank since XX/XX/XXXX XXXX, as I paid off the full loan amount with a check of XXXX usd on XXXX XX/XX/XXXX. the check was higher than the final amount of pay off due to the bank deducted automatic from my bank XXXX on XXXX. they never sent this check back to me of XXXX usd and every week on my calls ( more than 15 calls ) I have been told that they don't know what is the problem. they said we sent the check to your home address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ) they have been lying to me now for 4 months with the same excuses that their back office is who's handle the issue and they don't know what's happened. the end of this is that for my understanding they don't want to return my money. I need your help to solve this issue my loan acc is under my name XXXX XXXX my date of birth is XX/XX/XXXX and the last 4 of SSI is XXXX. 
thank you
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, XXXX, and TransUnion. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TDF Financial Services, Inc. (WA)

I have submitted 4 disputes to TDF financial since XX/XX/2020, I have not received a single response. I requested a debt validation, sent a dispute asking for the contract showing this belonged to me, submitted another dispute saying they did not respond and they need to delete the debt.

The company has not responded to any of my disputes, therefore this account is required to be deleted from my credit report. They had 30 days to validate the debt or delete it, they failed to respond and they are failing to follow the law. They also failed to list the account as " in dispute '' on the credit report, which is another legal violation.
Consumer complaint received 2018-09-26
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: EQUIFAX, INC. (TX)

609a1a of the fair credit reporting act Equifax or XXXX XXXX nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.
Consumer complaint received 2022-08-09
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 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 2022-03-10
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 2018-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (AL)

On XX/XX/XXXX a debt validation letter was mailed to Security credit services for a debt collection from XXXX XXXX for a debt from XXXX however on my credit report they have the debt as opened in XX/XX/XXXX. They have illegally reaged my debt and have not submitted the validation requested ( contract ) of this debt which is effecting negatively on my credit report.
Consumer complaint received 2024-02-01
Product: Credit reporting 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Since XX/XX/XXXX, we have been having a problem with submitting auto loan payments to Fifth Third Bank XXXX. We took out the loan in XX/XX/XXXX, which we obtained through our local car dealership, XXXX XXXX, and we have not encountered any problems until now. In XXXX the check that I submitted to them on time never cleared my bank. I tried to contact them by telephone and online ( www.53.com ) and can not get through to anyone at XXXX. I have tried numerous times. The one time I did manage to get a live person on the phone, the person hung up on me before I could say anything. I received a letter from the bank  dated XX/XX/XXXX asking for me to resend the check, which I did within two days of receiving it. I sent the second check for the  XXXX car payment on XX/XX/XXXX. I sent the second check certified and return receipt requested through the postal service. To this date, XX/XX/XXXX, neither check has cleared my bank. I have informed my local branch bank. The XXXX check is coming due and I do not know what to do. I saw in the news online recently ( In XX/XX/XXXX ) that Fifth Third Bank XXXX has a lawsuit against them for unethical practices, and that they recently charged 11 employees with stealing funds from customers. I am concerned and wish to resolve this problem. I have never missed a payment or been late with a payment.
Consumer complaint received 2018-09-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Volvo Car Financial Services U.S., LLC (IL)

I have a loan with VOLVO CAR FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and VOLVO CAR FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-09-26
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: Santander Consumer USA Holdings Inc. (GA)

. I purchased the car from Santander Consumer I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks to tell me that I had the wrong vehicle, The paperwork on the vehicle that I had Vin number did not match, so they gave me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off.
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, Someone from a forum offered me to a pair of shoes for {$400.00}, I sent {$200.00} to the person via XXXX using my Wells fargo checking account as initial payment, and I will pay the rest once I have the valid tracking number for the shipment in the afternoon. That person told me that the package has been dropped off at UPS. I checked the tracking online, but nothing shown up yet, the person told me to wait for one day. so on XX/XX/18, I checked the tracking number online again, nothing shown up either, so I figured out that the tracking number was fake, it was a scam. and I tried to contact the person, but he never answer my text message or any contacts. I called my bank which is the Walls Fargo to stop the payment, and their representative informed me that the payment can not be stopped because it was finalized already. I told him that I was got scammed, needs to stop the payment to protect myself. he refused and said nothing they can do at this point. I was very frastrated, and asked Wells Fargo agent at least twice about XXXX  transfer, he told me that I will not get my money back. the bank disconnected the call.
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MD)

Hello, I agreed with a business named XXXX XXXX to install windows in my home. XXXX XXXX had a promotion that was 18 months no interest and the financing was done through Syncrony Bank. We applied and were approved and scheduled to have the windows installed in 6 weeks. It has been 5+ months at this point and the company has only partially installed the windows. We have been billed by Syncrony to make payments on products that we have not received. We contacted Syncrony and they are still forcing us to pay for services and products that their client did not provide. I feel like we are being rail roaded. Its not fair for us to have to pay a bank for services not provided by their client. Please help. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

I am a XXXX XXXX XXXX who assisted in XXXX during the Covid-19 crisis. I had called Nordstroms  prior to my leaving to explain I could not afford the payments and needing a payment plan. The XXXX dollar payment plan they offered I could not pay. I returned from XXXX and called to pay my entire XXXX bill in full. I had saved up to pay this debt off from my paycheck. I received pushback from a store employee in the credit department stating the late fees of XXXX dollars would not be forgiven despite the Cares Act President Trump signed. 
I was then transferred to a supervisor stating, you had to call us to get that credit! I told him I was kind of busy saving lives with people who were dying ... he stated, Im sorry you still owe the money I cant help you. 
I need assistance, they need to accept my full payment of my XXXX bill and take this off my credit bureau report. 
I am very upset that after all we as Americans have been through this is how XXXX XXXX  are treated! 
Much Respect, XXXX XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc. (IL)

i have no health insurance i was sick i went to XXXX XXXX hopsital XXXX il in XXXX FOR 2 HOURS AFTER 2 HOURS I WAS RELASED FROM XXXX XXXX HOSPITAL XXXX ROOM, THEY SENT ME BILL FOR {$1500.00} I PAID {$500.00} NOW THEY ARE ASKING MORE SENT TO COLLECTION AGENCY TO DESTROY MY LIFE I NEED LEGAL ACTION