davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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. (NV)

On XX/XX/2020 I sent a letter to XXXX XXXX 's Consumer Fraud Department, advising them that there was an account that was opened in my name that I DID NOT authorize. I explained to them that I had learned that I had been a victim of identity theft, my personal information was used to open this account at their company. At that time, I had requested that XXXX XXXX, absolve me of all charges on this fraudulent account and to take the appropriate steps in removing this account from my credit report. 

I sent in this letter a copy of my identity theft report and the FTC notice to furnishers, which was a detailed list of the banks responsibilities as the Information furnisher. XXXX XXXX, under this law, once advised, was suppose to STOP all reporting of the fraudulent information resulting. THIS DID NOT HAPPEN nor did they advise any of the reporting agencies that I had in fact disputed the account which violated the FCRA and the FDCPA. 

As explained under section of the 605B FCRA, it specifically states, that the information, they provide the any credit reporting agency, may be the result of identity theft. They were responsible for ceasing in providing this fraudulent information and they were suppose to ensure they did not attempt to sell or transfer the fraudulent debt to another party for collection. 
XXXX XXXX, seems to be above the law, as I was contacted by a collection agency via mail for this debt. 

I did not receive anything from XXXX XXXX, so I sent letters to the credit reporting agencies disputing the account 6 months letter as this account still haunted me. 

It wasn't until recently that I received. a letter in the mail datedXX/XX/2020 from XXXX XXXX which stated that they had determined I as responsible for the account and that facts that I presented did not substantiate the claim. 

I placed two calls to XXXX XXXX, one call was in regards to their letter. I had requested the original credit application baring my signature, a copy of my drivers license, social security card. I was told that it would be mailed to me and since I had no ideal of the account it would be sent for removal. I did not see the account removed from my credit reports so I called back and spoke with another representative, who stated that it was sent back to fraud because that information could not be located. I explained my situation in DETAIL to XXXX, and advised her of my initials letter in XXXX and the previous call. She stated that she saw the letter and saw the notes on the account, however she needed my police report? I questioned her regarding that, as I had sent all of the information prior. What happened to it previously? If you have the initial letter then you have the police report and my identity fraud report.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

For the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have not received a monthly mortgage invoice or correspondence regarding XXXX changes to my ARM loan from XXXX XXXX XXXX ( XXXX, a CHASE affiliate ). Prior to XX/XX/XXXX, XXXX routinely sent my monthly invoices via regular U.S. mail. I contacted XXXX  customer center and was told that invoices were mailed to me for the referenced months, and that they would resend my XX/XX/XXXX invoice. To date, I have not received an invoice or correspondence for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. 

During this referenced time period, my address has not changed. Additionally, I have not experienced any disruptions with the US. Postal Service mail delivery to my address. Specifically, I have continuously received other invoices and correspondence from entities other than XXXX. 

My request is to investigate this CHASE affiliate, because I am very concerned as to whether they are intentionally not sending monthly invoices believing that I will default on my payments or something else. 

XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-12-10
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-08-19
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. (WI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Cherrington Firm PLLC (UT)

I have previously told Cherrington firm that i can not accept calls until after i am off work. I missed a payment for the case they bought for a debt i do owe, and i'm well aware i owe it. Between COVID impacting our finances and stuff, and for them to call my workplace is not okay.
Consumer complaint received 2021-10-10
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. (AR)

I have issues with the way this is being reported as it is damaged my credit. The car was repo transunion and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while transunion is no showing XXXX. Transunion and XXXX are reporting as auto loan and XXXX is not reporting at all. Transunion has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Approximately one year ago I attempted to log into my Capital One account through my new device. Recognizing the new device the website requested a two-step verification which I could not perform due to my location outside of the United States. When they locked my account they refused to allow me to reopen my account even after submitting more documentation of my identity than when I originally opened the account. I submitted my drivers license, bank statement, birth certificate and a different credit card statement. At each step they only required one more step. Finally, I sent a letter directly to the CEO of Capital One and was given a response from their corporate office that I could open my account with the verification of my passport. Upon successfully doing this I was again rejected. The company has also denied me hundreds of the points I rightly earned and wanted to redeem. I believe this dishonest and unethical behavior deserves to be known and rectified as I have come to learn this is a common practice at Capital One.
Consumer complaint received 2020-12-10
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. (PA)

Experian just responded and closed my complaint # XXXX in regards to an incomplete and inaccurate account reporting on my Experian account. The did not resolve or acknowledge my issue in the credit reports they I have attached. Experian also sent the same response for 2 different complaints which shows that it is an automated response and they did not do their due diligence in investigating and rectifying the issue. My complaint in regards to the account XXXX XXXX is clearly reporting 2 different ways on only 2 of the credit bureaus. Each credit bureau is required to report accurate and complete information. Experian request I write 100 word statement which details my dispute issue when in fact I have numerous letters/statements detailing my issue, even my last complaint listed at the beginning of this complaint. Experian is reporting this account in 3 different types of bankruptcies. No correct balance or financial information about this account. They are not reporting the correct and complete account number. Experian and XXXX  are reporting different dates the account was opened. This is clearly not complete and accurate information. I submitted copies of all 3 credit bureaus proving these errors and they are not being acknowledged and at this point I will start the litigation process if this is not resolved. I have been patient as well has diligent on getting the facts to prove my issues. Consider this once again as my 100 word statement to specify my dispute.
Consumer complaint received 2021-06-04
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)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft CAP1/NEIMN Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-10
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: CITIBANK, N.A. (NV)

On XX/XX/2020 I sent a letter to Best Buy 's Consumer Fraud Department, advising them that there was an account that was opened in my name that I DID NOT authorize. I explained to them that I had learned that I had been a victim of identity theft, my personal information was used to open this account at their company. At that time, I had requested that Best Buy, absolve me of all charges on this fraudulent account and to take the appropriate steps in removing this account from my credit report. 

I sent in this letter a copy of my identity theft report and the FTC notice to furnishers, which was a detailed list of the banks responsibilities as the Information furnisher. Best Buy, under this law, once advised, was suppose to STOP all reporting of the fraudulent information resulting. THIS DID NOT HAPPEN nor did they advise any of the reporting agencies that I had in fact disputed the account which violated the FCRA and the FDCPA. 

As explained under section of the 605B FCRA, it specifically states, that the information, they provide the any credit reporting agency, may be the result of identity theft. They were responsible for ceasing in providing this fraudulent information and they were suppose to ensure they did not attempt to sell or transfer the fraudulent debt to another party for collection. 
Best Buy, seems to be above the law, as I was contacted by a collection agency via mail for this debt. 

I did not receive anything from best buy, so I sent letters to the credit reporting agencies disputing the account 6 months letter as this account still haunted me. 

It wasn't until recently that I received. a letter in the mail dated XX/XX/2020 from Best Buy which stated that they had determined I as responsible for the account and that facts that I presented did not substantiate the claim. 

I placed two calls to Best Buy, one call was in regards to their letter. I had requested the original credit application baring my signature, a copy of my drivers license, social security card. I was told that it would be mailed to me and since I had no ideal of the account it would be sent for removal. I did not see the account removed from my credit reports so I called back and spoke with another representative, who stated that it was sent back to fraud because that information could not be located. I explained my situation in DETAIL to XXXX, and advised her of my initials letter in XXXX and the previous call. She stated that she saw the letter and saw the notes on the account, however she needed my police report? I questioned her regarding that, as I had sent all of the information prior. What happened to it previously? If you have the initial letter then you have the police report and my identity fraud report.
Consumer complaint received 2021-01-26
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. (KY)

Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Consumer complaint received 2021-06-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am submitting this complaint because Equifax is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. 

This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

RE : ( XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX ( OPEN DATE : XX/XX/XXXX ) AMOUNT {$8400.00} To Whom It May Concern ; I disputed the referenced accounts above on XX/XX/XXXX. My credit report shows these item were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, procedures in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph.

is reinserted in the file, the consumer reporting agency shall notify the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information, As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report THIS ACCOUNT IS ALSO REPORTING C/O MONTHLY WHICH IS FURTHER RE-AGING MY ACCOUNT TO A FRESH CHARGE OFF CAUSING MAJOR DAMAGE TO MY CREDIT SCORE THIS IS DEFAMATION OF CHARACTER RE-DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and Experian in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX  stating the car was paid in full and my title would be mailed in which I did receive.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

{$170.00} XX/XX/XXXX {$170.00}. XXXX XX/XX/XXXX {$170.00} XX/XX/XXXX Charges by the XX/XX/XXXX My bank Suntrust I file for fraud but it was denied.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Commonweath Financial has placed this account on my credit report-it is not mine. I have disputed it and requested based on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act numerous time for them to validate it. They never have, they continue to ignore me.
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Absolute Collections Corp. (NJ)

I received a letter from XXXX collection agency stating that I owe them money. I sent them a letter to only contact me via mail and not to call me or my employer. Since I confirmed delivery of the letter I received 1 call a day and my employer is also receiving 1 call per day. I would like this to stop and for them to follow the law.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (MS)

Ive tried calling and talking to the bank I sent in writing the dispute form I repeatedly called and explain that me card had been stolen and that the charges on my account where not authorized by me. And they are refusing to do a investigation they are refusing to abide by the rules and regulations of the Regulation E they failed to credit my account for the amount of the dispute. they are simply not talking my dispute seriously. I've begged and pleated with managers for help and they refuse to help me. I filed my complaint that the transactions against my account where unauthorized with in the two day window of finding out and I still have gotten any information about the disputes I have filed nor any provisional credit im supposed to be given in the chance that the investigation takes longer then 10 to 20 days. Im wanting to move forward with legal action.