davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
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: Experian Information Solutions Inc. (VA)

Fact I The Affiant Is Aware And I Have Proof That Experian has and continued to violate my consumer privacy rights. I the affiant observed 11 violations on my consumer Credit report. Experian is and continues to be in Violation of 15 U.S. Code 1681b ( 2 ) 15. U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been injured Numerous Times from Experian Gross Negligent And Willful Behavior These Injuries Include. And Are not limited to being denied of credit. My Reputation has been ruiend. Loss of business income. XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop illegal activity I have never gave written instuctions to Experian to furnish these " Alleged '' accounts. XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) my information was also stolen in the XXXX Data Breach Experian needs to make this Right And Remove These Accounts Also Experian And XXXX Are XXXX with each other A XXXX Name XXXX XXXX '' In the Fraud Department Confirmed This On A Recored Line I Also Have The Recording And I Plan To Seek Litigation Because They Should Not Be Reporting Any Information About A Consumer To A 3rd Party I Have Sent A Affidavit Of Truth And The Laws They Are Breaking And A {$8000.00} Invoice That They Owe Me For Violating My Rights I Need These 2 Accounts Removed Or I Will Seek Litigation
Consumer complaint received 2021-05-02
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: Receivables Management Partners, LLC (NC)

I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$870.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-02
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. (MD)

I have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (NY)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)
Consumer complaint received 2021-01-28
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. (VA)

An a late property tax for the leased car was sent to the XXXX XXXX XXXX ( XXXX ), before I was even notified of the tax bill. XXXX has turned over the account to collections. I informed them this bill was mistake because I had returned the car a year earlier, and contacted XXXX County, VA - to update the vehicles record and cancel the tax bill, which they. However the account still shows as in collection with a balance for {$510.00} due on the Experian report. 

I contacted XXXX XXXX XXXX regarding the incorrect information which only appears on Experian report and not others. They said I needed to contact Experian. I tried to open a dispute with Experian but it rejected it because I had previously disputed it but the information was never fixed. Experian is not letting me dispute again and the Creditor acknowledges there is no balance due, but will not contact Experian themselves to fix it.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VA)

This will be the 5th Collection Company that has tried to collect on a debt that is not mine. XXXX XXXX XXXX continues to try and collect on this bill and have yet after 5 attempts from different collection companies. 

I call XXXX XXXX XXXX XXXX and they informed me that I don't owe them any money. That all of my accounts were paid in full. They further informed me that they don't sell patients debts to collection companies. The only company they work with is XXXX XXXX XXXX in XXXX, VA. They further informed me to do not pay this as its not owed. 

Please Investigate XXXX XXXX XXXX XXXX and Commonwealth Financial Systems for fraud.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX  XXXX  ( Original Creditor : XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$120.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have sent several letters to these companies which are : 1.Capital one auto Finan, 2.XXXX XXXX  XXXX, 3.XXXX  also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX  XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.
Consumer complaint received 2021-05-02
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. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-06-06
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 (CA)

I recently got a copy of my Credit Report and noticed that in XX/XX/2018 Toyota marked me as being late. Toyota also somehow took me off of autopay without even notifying me. They also didn't notify me prior to inserting this information that gives no regard for accuracy. I am requesting that Toyota not  contact me by telephone and communicate by USPS mail only. I am also represented. I have attached to this complaint a copy of the inaccurate Credit Reporting.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NC)

I receive multiple telephone calls from XXXX from ( by the accents ) an overseas call center. I believe the company from online searches is Allied Interstate. I can receive 4 or 5 calls in a day. 

The person they are searching for is an XXXX XXXX. I do not know this person, nor have I had anything to do with this person. 

The number they are calling has been my personal number for 17 years. My voice mail greeting now state the facts of who I am, and I do not know this person along with a request that they remove my number from their records.
Consumer complaint received 2019-06-05
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. (CA)

I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX  Corporation that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXXXXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2020-11-18
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. (MS)

XXXX, Experian, and XXXX  are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Consumer complaint received 2019-06-05
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. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I made a transaction yesterday, an amount of $ XXXXBut I found its a scam today. As its still pending, I called JPMorgan Chase which I bank with to cancel the transaction. But they said its already delivered and can not be canceled. I feel it doesnt make any sense. First, Im sure its scam and tried to make up in less than 20 hours. Second, status of that transaction is still pending even now when Im filling this claim, what does that pending mean if I cant cancel it? Third, I got all the scammers information and Im pretty sure its not the first she uses that account to scam, why the can not block that account of some people reported? They asked nothing about the scammer so she can keep it to scam more people. 
I strongly feel my money is not safe in such a bank.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had an account with USAA for over XXXX years I deposited a check from coast to coast productions for XXXX and some change and USAA reversed the check a week later saying it had been deposited into another bank I asked what bank I never authorised this and never signed the check over to anyone and it had void written across it. USAa refused to give my money back and 2 months later closed my account abruptly no notice over a different matter which was unethical too. After reading in the news about USAA under litigation for denying service member claims. I finally found this platform and submitted a complaint they came back with this.

We are responding to the concerns about USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding an alleged reversed deposit. Our Bank Member Advocacy staff thoroughly reviewed your bank profile and account history and activity. Records confirm you do not have any open/active deposit accounts with USAA FSB , and USAA FSB has not received any funds into your bank profile or reversed any funds from your bank profile. Therefore, we respectfully decline your request for compensation. Should you have additional information to facilitate a more comprehensive review, such as a transaction ID number or mobile deposit confirmation, our staff will research the matter for you. We trust this clarifies our position on the matter and we appreciate the opportunity to respond to your concerns.

I want to reply I was never given time to download information from my account so your reply is completely unfounded and after calling serval times for you to unlock my account and the bank denying those requests. There was a reversed check when I did business with you and you know you did the wrong thing not reimbursing a service member or asking the other persons bank to reverse the charges covering it up by abruptly closing a services members account and then replying like this is very unethical too. Do something about it instead of lying to the government. Ive also received three emails like this from USAA over the last couple weeks.
Consumer complaint received 2022-01-09
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: HEARTLAND PAYMENT SYSTEMS INC (IN)

This is the continuation of complaints filed against XXXX about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called Heartland ECSI with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding XXXX party contract with me? I want to verify that there is no debt parking on my credit report.
Consumer complaint received 2019-06-05
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. (KY)

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report.

I have been asking since XX/XX/2019 on more than 4 times!

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX  is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate.

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX  directly to do so and for proof.

They clearly like to play games and not abide by the law!