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: 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. (GA)

I file a dispute with XXXX, XXXX, and Transunion. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! XXXX  Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why XXXX  will break the law in this manner! I am in emotional duress and victimized by XXXX  and the other company 's action in reporting accurately on my report. Reviewing the Credit file XXXX  and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA XXXX  and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NC)

I have reached out countless times to Credit Management and advised them that someone not only got an apartment in my name but proceeded to get cable as well. I've advised them that the account is not associated with me. Although the balance does not belong to me, I've tried to come to a settlement to simply get this debt collection off of my credit report. Credit Management will not budge. I proceeded to dispute this with my credit bureaus and was told that Credit Management has accurate information therefore they are unable to remove this collection account from my report. This collection report is making it impossible for me to do what is needed in my household credit wise due to high debt reports. This account does not belong to me.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I requested via First Class US Mail on XXXX XXXX and subsequently on XXXX XX/XX/2020 since I did not receive a reply from my first request for a copy of my Full File ( Consumer Report Disclosure ) as I was declined by XXXX  XXXX from information that you provided them contained within my credit file and I enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them. In my conclusion Equifax behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...
Consumer complaint received 2022-11-17
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of accounts that are still being reported on my Credit Reports. CAP ONE AUTO XXXX.
Consumer complaint received 2021-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has violated my consumer privacy rights. I have not given Transunion authorization to sell or misuse any personal data. This act is a violation of my civil rights and Texas Consumer Privacy Protection Act. No person may solicit, misrepresent, or sell any personal information without the consumer authorization. Transunion has violated Texas Deceptive Trade Practice Act selling information to XXXX to harm my credit. Transunion and XXXX has violated the federal XXXX XXXX of 1999 limiting the transfer of your personal financial information to third parties. Transunion, XXXX and XXXX had violated the HIPPA ACT sharing my medical data and personal financial data. Transunion has not sent any method of verification of the inaccurate information on my credit file in the public section. Transunion claims they have verified the inaccurate information with the court. Court does not report to credit bureaus due to privacy laws. Court does not report to any credit bureaus or third party companies. Transunion has failed to investigate the inaccurate alleged bankruptcy o my credit file and has failed to provide a legal notarized original of who can testify an alleged bankruptcy exists. Transunion first displayed the alleged bankruptcy on my credit from XXXX, now they are making false claims that the court has given them information. This is all a lie and Transunion misusing my credit. There is no bankruptcy on my XXXX ad XXXX credit. I have the right to file suit against Transunion for violating my civil rights and harming my credit file.
Consumer complaint received 2021-05-03
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)

XXXX  XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX - General Processors XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UBS BANK USA (TN)

I have been on a hardship payment program with UBS bank credit cards. They ended my hardship program and are threatening me with attorneys even though I have continued to send payments as required.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I put in a complaint about XXXX XXXX XXXX reporting information that has been proven to be fraudulent to Experian XXXX  that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX Collection Dept. 
Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last year I noticed a collection account for XXXX XXXX on my XXXX  and XXXX XXXX Credit reports. In 2020 I never went to XXXX XXXX and never received a bill from XXXX XXXX. After contacting the collection agency and disputing this false claim, I have been unsuccessful.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I am being sued by Midland Funding LLC, in the State of California. Their lawsuit against me violates their recent court order for Case # XXXX between the Bureau of Consumer Financial Protection v Encore Capital Group , Inc. ; Midland Funding LLC ; Midland Credit Management Inc.
Consumer complaint received 2021-05-03
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. (VA)

XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  Travel/Entertainment XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (CA)

I called several times after paying off the loan that I had with Lending Club. I was on a COVID deferment with them and at the end of the deferment they offered to accept reduced payments that I made on time. 

Initially they reported me 30 days late in XXXX and 60 days late in XXXX. 

They received the payoff before the XXXX would become 30 days late so they said that I did not have to pay in XXXX. They have since removed the XXXX 60 day late payment and I have proof of the XXXX payment coming out of my bank account. 

Each time that I called they could not find any late payments on my account. There is no reason for me to pay late. I haven't had any late payments on my credit report with the exception of them due to bad recordkeeping. 

I have uploaded my bank statement showing their payment coming out and the credit report. I have previously checked and they are reporting this to all 3 of the credit bureaus as late in XX/XX/2020.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One sent me a replacement credit card, and this new card is contactless. When I asked for a card that was not contactless, they refused. They are putting my information at risk by insisting that I get a card that any hacker can read without even touching it.
Consumer complaint received 2022-02-18
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. (IN)

I, consumer, XXXX XXXX received a alert from credit karma on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.
Consumer complaint received 2020-11-18
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. (TX)

The Company causing me stress is Trans Union. They keep reporting misleading and inaccurate information on my credit report. I noticed that the " date opened '', " payment status '' and " date of last activity '' where all different and wrong. I contacted TransUnion as well as the credit furnishing company for a consumer credit application which was signed by me and they could not produce one. I kept disputing all the debt and they continue to report all of the misleading information even though I had disputed it multiple times.
Consumer complaint received 2021-01-29
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. (OH)

XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/. '' Please delete this disputed account.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (FL)

Due to pandemic and me going into XXXX XXXX currently on XXXX I was know longer able to afford payments on vehicle I had never been late with car payment once the pandemic hit and I became unemployed got sick and XXXX XXXX I ask bb & t can I surrender vehicle they stated if thats what I want to do. As I patiently pray for recovery of my XXXX XXXX and wait for a vaccine I have not been back to work once things turn around for me I would like to move forward in life I dont want any setbacks due to the blemish of charge off attached to my credit file I did not ask for this hardship and was a responsible consumer I would like the issue to be rectified. Thank you
Consumer complaint received 2021-01-29
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. (OH)

XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I received a notice to collect a debt from XXXX for CitiBank forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from XXXX  so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX  & XXXX I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

My PayPal account was hacked in XX/XX/2022. Name was changed, address changed, and email changed. Then multiple unauthorized deposits were made on that day. The following day a check was requested by the hacker, the check was mailed and cashed by the hacker leaving a negative balance of over {$1900.00}. Since I dont use this account frequently I did not know any of this happened until I received a letter from a collections agency in mid XXXX. I have tried to straighten this out with PayPal since mid XXXX and just received an email yesterday saying my claim has been denied. Although I have had PayPal representatives tell me they can see the suspicious activity was done through a different IP address and that the fact all the personal info was edited the day of the activity is a huge indicator this is in fact fraud.