davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
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. (TN)

This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.
Consumer complaint received 2020-10-21
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)

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President
Donald Trump on XX/XX/2020.
Consumer complaint received 2018-07-15
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. (FL)

I am filing a complaint because Experian, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (MO)

Credit Karma website suggested applying for credit with excellent and above advances to obtaining credit. Par their suggestions I applied for credit and was denied for two suggested credit beyond excellent. 

Denied with XXXX XXXX, and XXXX. When I called them and both companies, it was stated that both companies do not have contact or any working relationship with Credit Karma who is advertising their cards on their website. I told them it is not fair it a fair practice to lie or mislead persons into applying for credit and costing us credit points. 

I also told them they should put up disclaimers to warn customers not to apply in that this could affect their credit and a warning that they do not have the authority to make suggested marketing seeing as they do not and can not make professional recommendations that credit will be granted. 

They should not be using subliminal suggestions via website and the companies do not support their suggestive recommendations.
Consumer complaint received 2020-10-15
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. (MD)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-05-04
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-05-30
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. (NY)

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This USAA account # XXXX has been paid-in-full. USAA is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

I have canceled service with the dealership, and I got a refund for the amount of {$2200.00} posted in my account. However, the account paid off. The refund check was supposed to be mailed out to my address after a month from the date it got posted on the account, XX/XX/XXXX. Today 's date is XX/XX/XXXX and the check still pending. Every time I reach out to customer service ( XXXX ) XXXX, the only answer I get is the " We will send out a follow-up email to the payments department '' or send out a service request. When I follow up on those emails or service requests, the answer I get payments didn't respond " we will have to send a new email '' I have submitted a complaint through XXXX XXXX XXXX twice and no answer.
Consumer complaint received 2020-10-21
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. (HI)

My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.
Consumer complaint received 2020-10-21
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. (HI)

My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, I purchased a product from XXXX called XXXX XXXX XXXX for XXXX. This item had a 30 day return policy. On XX/XX/XXXX, I notified XXXX that I was returning the item and it was shipped via XXXX. XXXX received the item on XX/XX/XXXX. However, I never received a credit. Since I never did, I filed a chargeback and American Express has recently decided against me. 

I've re-opened the dispute with proof of return. The dispute reference # is : XXXX I dropped the item with XXXX  on XX/XX/XXXX. The item was shipped on XX/XX/XXXX. And XXXX received it on XX/XX/XXXX which can be seen in the attached image. I fulfilled all obligations of the return and am entitled to a full refund of XXXX.
Consumer complaint received 2020-05-05
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. (GA)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX  : Acc No XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc  No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc :  XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX
Consumer complaint received 2017-08-06
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. (TX)

My divorce was finalized XX/XX/XXXX after 30 years of marriage. I filed my own divorce surrendering everything and all debt to my husband due to no money after being bankrupted in a custody battle over my XXXX granddaughters in my care through CPS. I have been targeted with unbelievable cyber XXXX destroying 78 computers, my online identity and ability to work or attend college without harassment. I have mailed my final devorce decree to all agencies and they will not separate my file removing all my ex 's debt. He has the house. I am in shelter with my mother attending college. All bad debt was placed in my name alone and sued twice by XXXX XXXX for debt that was originally applied for joint. I cant establish new credit because the debt ratio does not line up with my income with his debt on my file. I need a separate file in my new name. I only have {$450.00} student loan and a XXXX XXXX joint with my mother with a XXXX balance. I have filed over 100 police reports of the cyber XXXX and ignored. I just tried to sue the FBI to have them document my case and DENIED by the judge to sue as pauper. I have sent letters for help to XXXX XXXX, ic3, President Trump and every agency over the past 6 years. I was just accepted in XXXX School with a XXXX GPA and not able to attend because of the extreme technology interference. I have a perfect clean background and a XXXX grandmother that has lost everything and blocked rebuilding credit, finding employment and getting a degree.
Consumer complaint received 2020-09-07
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: EQUIFAX, INC. (FL)

XXXX  Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { XXXX  's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is XXXX and XXXX. THE XXXX XXXX NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: FORD MOTOR CREDIT CO. (MD)

On XX/XX/XXXX, I took delivery of a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. My salesperson was XXXX XXXX and the finance director was XXXX XXXX. I was having difficulty acquiring a loan with my XXXX XXXX XXXX as a trade. I spent several hours over 6 days, working with Mr. XXXX. I could not get a loan with my XXXX XXXX incorporated in the purchase. I was told there was too much negative equity. I asked if it would be a better chance on getting a loan approved if I selected a new vehicle. I was told it was possible. I was shown the XXXX XXXX XXXX by Mr. XXXX. After I looked at the vehicle, I was told that I could get a loan but they could not take my XXXX XXXX XXXX as a trade. I was told by Mr. XXXX XXXX to complete the purchase on the XXXX XXXX XXXX and have the XXXX XXXX XXXX voluntarily repossessed. Mr. XXXX  gave me instruction on how to have my XXXX XXXX XXXX voluntarily repossessed and I was provided with a loan from Ford Motor Credit based on this discussion. The voluntary repossession left me with a charge off debt of {$18000.00}. In XXXX, my wife requested that I return the XXXX XXXX XXXX to Ford Motor Credit. I complied. Ford Motor Credit filed a civil suit for {$6000.00}. Now, I have two repossessions on my credit ( charge off ) and owe {$18000.00} to XXXX XXXX and {$6000.00} to Ford Motor Credit as a result of the transaction with the finance director XXXX XXXX and salesperson XXXX XXXX of XXXX XXXX XXXX. I feel that it was improper for Mr. XXXX and Ford Motor Credit to offer a loan for a vehicle from XXXX XXXX and advise me to have my XXXX XXXX XXXX voluntarily repossessed, knowing I could not pay for two vehicle averaging {$680.00} for each vehicle. The payment on my XXXX was about {$680.00} and the XXXX XXXX was about {$680.00}. Mr. XXXX and Mr. XXXX knew I could not afford to pay for both vehicles at the same time and that is why Mr. XXXX told me to have the XXXX XXXX XXXX voluntarily repossessed. I feel I was targeted and mistreated by XXXX XXXX and Ford Motor Credit by offering me a loan knowing it required me have my car repossessed and eventually sustain a residual debt from the voluntary repossession as well as a negative rating on my credit report.
Consumer complaint received 2021-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 2023-01-31
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. (AL)

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under XXXX XXXX Code XXXX Permissible purpose of consumer reports. 

THE LAW CLEARLY STATES! 
( a ) In General Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I ever give you written instructions to furnish this account on my report? 

Furthermore, the Fair Credit Reporting Act XXXX XXXX Code XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences. 

Delete the above late payment from my consumer report. This agency is in violation of XXXX XXXX XXXX XXXX. 

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance XXXX. Civil Liability for willful noncompliance [ XXXX XXXX XXXX XXXX ]
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MI)

I SENT A CERTIFIED TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. THE, IN THE AMOUNT OF {$2200.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. 
THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. 
ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. 
PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.