davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXXXXXX XXXX )
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with Credit Systems International , Inc plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$55.00}
Consumer complaint received 2018-03-07
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. (NY)

this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments
Consumer complaint received 2018-03-07
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. (NY)

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact  Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (AZ)

Comdata Universal Mastercard - BUYER BEWARE!! 

Have been using Comdata Universal Mastercard fuel cards for the last three years in my XXXX XXXX delivery business. For the last 7 weeks they have been adding a high risk transaction fee of {$75.00} per week to my invoice along with a {$22.00} per week fraud protection fee. I call to have it removed which they do, telling me that is a mistake. Each week I have called again and again. 

Now I am very frustrated because they can't fix the recurring problem and it take 20-30 minutes on the phone each week to resolve. Needless to say, I am looking for another fuel card service provider.
Consumer complaint received 2018-03-07
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)

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact  Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

PREFERRED COLLECTION & MANAGEMENT is reporting a collection account to all 3 of my credit bureaus that I am not responsible for. In addition, PREFERRED COLLECTION & MANAGEMENT has violated the HIPAA law, by having access to my medical information. According to the HIPAA law a collection agency is only to be provided the following : Name and address, Date of birth, Social Security number, Payment history, and Account number. 

I have no contract or business dealings with PREFERRED COLLECTION & MANAGEMENT. I have never received any correspondence from PREFERRED COLLECTION & MANAGEMENT stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with PREFERRED COLLECTION & MANAGEMENT for some time. I have requested documentation to include a signed agreement & proof that PREFERRED COLLECTION & MANAGEMENT owns the debt ( along with copies of anyone else who has owned this erroneous debt ). PREFERRED COLLECTION & MANAGEMENT also seem to re-age and change the dates of this erroneous debt to continue to seem to make this a valid debt. 

PREFERRED COLLECTION & MANAGEMENT is in willful non-compliance with the HIPPA & FCRA. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family. PREFERRED COLLECTION & MANAGEMENT even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in PREFERRED COLLECTION & MANAGEMENT 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Consumer complaint received 2018-03-07
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. (CA)

In XX/XX/2017 i sent a dispute by certified mail for this said debt with XXXX XXXX ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX   and XXXX but remain on Equifax. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX of last year. I am asking that the Bureau Equifax remove this debt immediately as promised and report accurate information
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (FL)

I don't recall having a contractual relationship with this collection company Oliphant Financial , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX  XXXX  XXXX, 11 XXXX  XXXX  XXXX, 11 XXXX XXXX, 14 XXXX  XXXX  XXXX  I, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

The account with credit acceptance was closed in XXXX when I voluntarily surrounded the vehicle due to the fact I had a XXXX and could XXXX XXXX any more. I called the company and told them what happened and to come get it. Since then they have put a garnishment on my check as of XX/XX/XXXX and they receive it biweekly and when I disputed the account information on my credit report that the balance they had was wrong because they werent giving me credit for the payments which is now over {$900.00} as of today they reported back saying I only paid {$240.00} and reopened the account and increased the balance and said I was behind on payment I have check stubs to prove how much Ive paid that they are not reporting and that Im not behind because Im being garnished biweekly and the balance should not have been increased over {$200.00}.
Consumer complaint received 2020-07-14
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. (SC)

XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & XXXX XXXX letter to me. Dates not matching, XXXX and Equifax states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMPQUA HOLDINGS CORPORATION (WA)

Hello, in early XXXX I opened a new checking account with Umpqua Bank to take advantage of the {$500.00} new account bonus. As part of funding my new account, I used my brother 's ( XXXX XXXX ) credit card to fund my account with {$2000.00}. Around 10 days after my account was opened, Umpqua Bank locked my account. I provided Umpua Bank with a picture of me holding my ID, my brother holding his ID, and also a picture of the credit card used to fund the account. I have been in contact with XXXX XXXX, AVP, Store Manager of the XXXX XXXX XXXX XXXX Branch since XXXX. As per XXXX, because I used my brother 's credit card to fund the account, my account has to remain locked. ( this was not mentioned at the online website where I funded my checking account ). It's now been 4 months since my account has been locked with no resolution in sight. 

I am attaching the ongoing email thread I have with XXXX XXXX, AVP of the XXXX XXXX XXXX XXXX Branch. 

I have now moved out of my apartment in XXXX, and do not have access to any documents that Umpqua Bank sends to me via mail. I can not update the address since I do not have access to the online portal.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX a notarized letter was sent to XXXX for information regarding XXXX XXXX XXXX account. No information was provided under XXXX per XXXX XXXX. This company is in violation and request to have this item deleted from my file.
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (VA)

I received a collection notice from Synergetic Communications , Inc. stating that I owed {$7000.00} on an old credit card debt. They claim the current owner of the debt is XXXX XXXX XXXX XXXX The original debt was for much less than they are asking for and was paid off in 2008. I called the original lender and was told that it was a fraudulent collection attempt. They don't even do business with this collection agency. This debt is not owed and was never for this amount.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

XXXX and XXXX state that I have closed three XXXX XXXX Visa Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # XXXX
Consumer complaint received 2023-03-16
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: National Credit Systems,Inc. (TX)

Disputed information on my credit, company name XXXX XXXX, reporting credit agency name, National credit systems, amount {$11000.00}. I disputed credit reporting via XXXX website as well as sent a formal letter stating I have no knowledge of this account. Submitted documentation with inaccuracies concerning what was reported for original company. Did not receive an information back after the investigation verifying the results. Both XXXX and XXXX have removed this from their credit reporting however XXXX still is reporting inaccurately.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

ACCT # XXXXXXXX XXXX XXXX  Verification demand letter was sent out to all 3 credit companies. XXXX responded back verified without any additional information,
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

My personal background information to confirm my identity is inaccurate and wrong causing several problems with my bank access on my accounts. The security questions are placed on me about people I do not know nor familiar. My rental history is inaccurate and out dated. My rental on vehicles is asked instead of my personal vehicle owned. All the security questions asked does not show I am the owner of my own checking accounts thus causing massive problems with my identity to be verified. The problems mounted with incorrect update of my credit report too. The debt shows up repeatedly on my report despite the settlements. I have contacted this agency numerous occasions by phone yet it was never remedied. The dates of problems dates from 2013 to present.
Consumer complaint received 2021-03-02
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. (IL)

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase Equifax and XXXX only removed XXXX to XXXX of the inquiries.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase XXXX and XXXX only removed four to five of the inquiries.
Consumer complaint received 2022-09-15
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: Trident Asset Management, L.L.C. (NC)

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, 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 2022-01-15
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. (PA)

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Consumer complaint received 2020-07-24
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. (AL)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed that everything was still the same. The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, the date active is not correct on all 3 credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached all 3 credit reports to show the discrepancies and on how Equifax violated my rights.
Consumer complaint received 2022-02-02
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report