davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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. (SC)

On XX/XX/XXXX, per a court order, I have been paying on two accounts from XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two XXXX XXXX XXXX accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors XXXX XXXX XXXX. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to XXXX XXXX XXXX. Since the beginning of this, XXXX XXXX XXXX has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX at XXXX
Consumer complaint received 2021-11-10
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. (MD)

I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX  that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and equifax showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-01-29
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: The Bureaus, Inc. (WA)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. THE BUREAUS Opened XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I visited XXXX XXXX XXXX ER. I was sent to collection by the physician group XXXX XXXX XXXX XXXX to XXXX in XXXX fl. 
My healthcare insurance paid this physician group yet they are still billing me. 

I have mailed letters to both the collection co and the physician group and received no accountability or detail of the debt yet they list it as disputed and verified on my credit reports
Consumer complaint received 2022-09-17
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My XXXX card XXXX was charged a {$490.00} membership fee and {$75.00} additional user fee on XX/XX/XXXX. Card was closed on XX/XX/XXXX, I am due a refund of both fees. The refund was not credited to my account
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax has refused to accept an updated report on a balance from XXXX XXXX since XX/XX/2020. I already had to report Equifax for attempting to illegally block a legal name change. Now they will not accept updates on this account. Balance has been paid off and Equifax is refusing to be truthful on this matter.,
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

Capital Accounts , LLC has been illegally reporting on my credit report since XXXX. As I informed their company on several occasion I do not have a wet ink signature contract with them I have complained to XXXX and XXXX multiple times. Capital accounts is reporting that I owe {$4300.00}. When I asked Capital Accounts to give me a copy of the medical bill they provided me with a copy of a chiropractic medical bill with my name on it for the amount of {$3000.00}. The amounts are different and under FCRA .I demanded for deletion but Capital Account , LLC did not follow the law. Capital Accounts , LLC stated the account accures interest at the rate of $ XXXX.This violates HIPPA and FCRA for consumer privacy protection. I never gave permission for Capital Accounts , LLC to have access to medical records. 

This is my final attempt to resolve this matter without litigation. If they do not delete this account within 30 days I will sue them for damages dating back to XXXX. 


Capital Accounts , LLC XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX www.capitalbillpay.com
Consumer complaint received 2018-06-06
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. (MA)

I have been disputing this account late payments since XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. XXXX XXXX is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  XXXX late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the infomation on this account ( XXXX XXXX creditor ) 5 times trying to get Transunnnion to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX certified letter was sent to them XX/XX/XXXX tracking number XXXX XXXX in addition to the mailed documents suporting my claim the documents were also uploaded to transunions web sight on XX/XX/XXXX.
Consumer complaint received 2019-06-07
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. (ID)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXX. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ). 


XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I sent a letter to the credit bureaus as well as to the credit debt agency no one responded or sent any letters. I have asked twice for this. The credit bureaus said its an address on my account that the bill is attached to but, would not tell me the address. Which is strange. My current address is on my report report and I have asked many times to remove all other addresses attached me as this is not my home address.
Consumer complaint received 2018-12-08
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: WELLS FARGO & COMPANY (OK)

IN REGARDS TO : XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX XXXX : XXXX. XXXX   XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY XXXX  PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. XXXX HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!!

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late US DEPT ED XXXX not mine
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WV)

I last used my Citi Prestige card for a bona fide purchase in XXXX. I was charged my annual fee in XX/XX/XXXX. 
Upon realizing I hadn't used the card in over a year, in XX/XX/XXXX, I attempted to call Citibank to close my card prior to the annual membership fee being charged. I was informed this would happen. 
In late XX/XX/XXXX, upon receiving a debt collections call, I paid the balance in full in the interest of settling my account, though the representative informed me that it would be refunded after the fact, and my account would be closed. 
In XX/XX/XXXX, I received an email from Citibank indicating that I had a balance due, which I again thought was strange, as I'd attempted to close the card 13 and 11 months prior to that. I called and attempted to cancel, but was told it wasn't necessary to make a payment at that time because the bill was not due yet, and my annual membership fee would be refunded. 
On XX/XX/XXXX, I received another debt collections call because my account was past due. I explained the past history to the representative, agreed to make a minimum payment to avoid any additional fees, and was informed my account would be closed and the annual membership fee refunded. 
Today, XX/XX/XXXX, I received yet another email from Citibank indicating again that my account was past due. After numerous attempts to navigate Citibank 's automated phone system that indicated my credit card number did not exist, I finally reached a representative. This representative told me that my account had in fact been closed on XX/XX/XXXX, but that there was in fact still an account balance due. This account representative indicated that he would pass it along as some sort of referral, but that I otherwise had no recourse for Citibank 's past misleading statements. 
At this time, Citibank has fraudulently billed me for {$900.00} and wasted approximately 15 hours of my time over the course of 14 months, while also likely damaging my credit score in the process.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MS)

I paid a collection off on XX/XX/2021 for XXXX in the agreement if I paid in full I would receive an email stating I paid as well as get it off my report from reliant energy collection. I never received anything after calling again was given a confirmation number that was for someone else account. Was then told again I would recieved a verification that debit was paid and still nothing
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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 611.
Consumer complaint received 2019-06-07
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a mortgage with Select Portfolio Serving, SPS. Several problems with SPS. SPS did not reflect my payments made. When I was on unemployment I requested a modification. SPS was not reflecting my payments on my credit reports, SPS made several credit inquiries both of which reduced my credit scores. I made several phone calls to SPS with no answer to my modification and payments. SPS started a foreclosure on my property and did not notify me properly. Notices of the pending foreclosure were posted on a back gate where no one would see them. I enlisted the services of an attorney to help me with the issues. My attorney phoned and sent many messages to SPS. The attorney for SPS said by law SPS had to respond to our inquiries. No response was made. SPS considers standard cookie cut letters to be communication. No response to numerous attempts of communication by me, or my attorney or even their own attorney. With the advise of my attorney I filed for Chapter XXXX to force SPS to communicate. This caused further damage to my credit score. The chapter XXXX was filed with {$0.00} and dismissed within a couple weeks. Since then SPS has still not responded to direct communication. 

I completely believe SPS decided to foreclose because the property was worth more than the mortgage and they were taking advanage of their power.

SPS completely ruined my credit scores by their direct and malicious actions.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have concerns of Navient. I see a lawsuit against Navient and I question my loan amount often. Seems as if I had numerous florescence 's done on my account. I can recall 2 maybe 3, however, seems as if some were initiated without my consent. My amount seems to have been the same for the past 13 years. I have been paying it down, however, would like to know if this company is legitimately honest ( since reading about lawsuit ).
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.