davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
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. (LA)

I have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXXXXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate.

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was taking advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and is defamation of character. I can't obtain credit and can't apply for a home due to the pandemic crisis. I have been denied several jobs and denied of an SBA loan. Last but not least XXXX XXXX XXXXi has been deleted once but was added again to my report.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On Wednesday XX/XX/XXXX I received a text from Chase stating my daily balance. I noticed I was negative and quickly checked my account via mobile app and saw there was an ACH transaction for {$1000.00} to XXXX at XXXX. Yes I have used XXXX in the past but I did not make this transaction. I filed a claim with Chase which they denied. Chase 's decision was based on there being 3 XXXX transactions done in XX/XX/XXXX for {$7.00}, {$30.00} and {$15.00} via ACH. Chase advised to reach out to the merchant ( XXXX ). After I hung up I checked my Chase statements and saw the 3 transactions they were referring to and noticed they were all done via debit card NOT ACH as they stated. Also, I did not have to log in to XXXX to make these transactions. I decided to try to get back into my XXXX account which I was successful in doing and changed my password. I saw the {$1000.00} sitting in XXXX but there is a " limitations '' stuck to it which means I am unable to touch my own money. I called XXXX Monday XX/XX/XXXX and stated my issue. After hours on the phone I was advised my email address XXXX is linked to my very old email address XXXX XXXX XXXX that has a negative balance due to XXXX of {$260.00}. I asked what year is the negative balance from and they advised from XXXX. They also advised they have a statute of limitations that states they will not collect any debt over XXXX years old. I was then advised they would work on unlinking the email addresses and it would be done in 3 business days. I then waited until Friday XX/XX/XXXX and the limitations was still on my account which means I'm still unable to touch my own money. I called XXXX Friday XX/XX/XXXX in the morning and they advised it would be completed by end of day. That did not happen. I called XXXX the same day about XXXX and stated my issue yet again, and the young lady that helped me then sent my issue over to the main office where they will determine whether to unlink my email addresses. I also filed a claim with XXXX on XX/XX/XXXX which was also denied. I called XXXX for an update on Monday XX/XX/XXXX and I was advised to wait for a response via email regarding unlinking the email addresses.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. In the attached documents, I provided a clip in which TransUnion has denied me access to my online accounts ( this is in leu of an active investigation which inhibits delays this ), 2. XXXX XXXX and TransUnion reporting I have a high balance of {$1600.00} between XX/XX/2022 and XX/XX/2022. That is fraudulent information. This card has a 9.9 % utilization at {$140.00}. 

3. Lastly, I have documentation that this item was deleted from my credit report.

The item is still being reported.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One account number XXXX is claiming that I have a balance with them for {$11000.00}. Yet they can show no validation that is competent evidence bearing my signature that shows I have a contractual obligation to pay them. 

Under the Fair Debt Collection Practice, they must show validation that bears my signature but they have failed to do so. Yet the continually report false and misleading information against my name. 

And by doing so they are violating the FRCA & CFCPA because they can not validate the debt and therefore should delete the information from XXXX, XXXX and XXXX. 

Capital One is in violation of federal and local laws and should not be allowed to continue damage my credit without validation showing my signature that I have any contractual obligation to pay them. 

Please help me in resolving this issue.
Consumer complaint received 2018-03-05
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. (MA)

I contacted XXXX XXXX Customer Service on numerous occasions with no response. I have a letter dated XX/XX/XXXX informing me that payment is due for XX/XX/XXXX. 
The payment was made and the bank has not applied my payments. This has affected our credit report. We need a response from this bank on why our payment are not being applied properly and why we have not received notice. I was informed by XXXX @ XXXX XXXX there was a $ XXXXpast due ; this was paid. 

Date Description Amount Balance Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Rate change Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I purchased some Litecoin ( a cryptocurrency ) through Coinbase on XX/XX/XXXX and the transaction has been in " pending '' status to this day XXXX XX/XX/XXXX ). I've sent 4 emails over the course of the last 4 months regarding this issue with little to no response.
Consumer complaint received 2021-08-13
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. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-03-03
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. (FL)

On XX/XX/21 I MAILED IN MULTIPLE DISPUTE LETTERS TO Each Credit Bureau VIA CERTIFIED MAIL. EXPLAINING AND SENT IN INFORMAL DOCUMENTS THAT THERE WERE MULTIPLE HARD INQUIRIES ON MY CREDIT REPORT THAT " WERE NOT AUTHORIZED '' BY ME NOR DID THE COMPANIES HAVE MY CONSENT TO PULL MY RECORDS! I ALSO CALLED All 3 CREDIT BUREAUS MULTIPLE TIMES AND THE CUSTOMER SERVICE REPRESENTATIVE STATES THAT THEY HAVE TO STAY ON MY CREDIT REPORT FOR 7 YEARS EVEN THOUGH THEY WERE " NOT AUTHORIZED BY ME AND FRAUDULENT ''! LACK OF EMPHATY FOR CUSTOMERS!
Consumer complaint received 2021-04-12
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. (TX)

MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX
Consumer complaint received 2021-01-22
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. (NJ)

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 ,XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Consumer complaint received 2022-04-28
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. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
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. (IL)

I gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.
Consumer complaint received 2023-04-03
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affirm Holdings, Inc (CT)

XXXX, loan originated from Affirm is making repeated attempts to collect on a debt from an order, ID XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit illegally obtained information from my deceased family member and fabricated a debt that does not exist and put it through collections. They have left hundreds of phone calls from a robo-caller each day from spoofed numbers calling at all hours of the day for a measly {$130.00} for an account that was closed and paid off.

We have received so many spam emails titled " Personal Business Matters '' and many obnoxious phone calls throughout the day which is harassment. They are the bottom of barrel lunatics using unethical tactics to make money.
Consumer complaint received 2018-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Quick Debt Services LLC (FL)

In XX/XX/XXXX I recieved a phone call from a 3rd party servicer called Student loan support center.On XX/XX/XXXX I made my first payment of {$59.00}. We made an agreement that every two weeks until XX/XX/XXXX i would pay them {$59.00} and these funds would go toward my student loans to get it out of default. They failed to mention that this was a service charge.
Consumer complaint received 2023-04-03
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX  Account Number : 1661 has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mobiloans, LLC (VA)

Hi, my name is XXXX XXXX i got mobiloans back in XX/XX/2017 and there is a lawsuit about the high interest rate 's i got letter from XXXX XXXX Settlement sayin g that they would forgive any debts that was owed and there would be cash payments but still i am receiving XXXX  phone calls from a company which i do not know what the company name is and saying they will send me to proceedings and calling my family members also. If anyone can help with this. Thank you very much
Consumer complaint received 2021-10-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (VA)

This account was open, for my ex husband, he used my information without my consent. 
during the time was open I was living in another country, I knew about this only a few months ago, I called company provide my cell number because I was told they didn't know the agency with my case and they will call back. nothing happened!! how can they have this for such a long time hurting someone credit and they have no clue how agency is collecting this or where to contact them.
Consumer complaint received 2022-04-28
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. (NJ)

I have written several letters to XXXX, Transunion and XXXX to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated. 
Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX