davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have submitted disputes to Equifax for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report and the results of my disputes not sent to me I can not access my report in anyway shape of form they will not correct the information and have been none complaint to my requests, there are 7 accounts with XXXX XXXX that should be only reported as closed paid in consolidation and the remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute. Also there are 8 accounts from the Department of Education reporting as included in bankruptcy which should only be reported as closed and paid. Student loans are not included in Bankruptcy I have contacted XXXX & the Department of education and they have continued to state they have n't been contacted by Equifax to verify the information. 

I have sent them proof of identity with my dispute and I have concerns about my information as they have had 2 published security breaches recently. 


Equifax has not provide me a copy of my report after at least XXXX disputes.
Consumer complaint received 2020-11-30
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. (FL)

Hello, I have reached out to Experian and the company named XXXX/XXXX  directly about the unauthorized credit inquiry that is showing by XXXX/XXXX  but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make Experian and XXXX/XXXX  be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate XXXX/XXXX  with the inquiry date on XX/XX/2020 and have Experian delete the unauthorized inquiry off of my report. Please?
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU updated their online payment system for auto loans and as a result deactivated my auto payments. Additionally, the system update changed interest payments to principal payments, then proceeded to charge late fees for 6 consecutive months. Every month BECU was called, every month BECU manually reversed the late fee charges, but BECU never restored auto payment nor cleared the backend of the system to acknowledge payments were made. In XX/XX/2022, BECU acknowledged their error and said that they could offer to reallocate XXXX payments to fix. I explicitly said they were NOT allowed to proceed with the suggested solution, as their solution would result in an increase of what I owed by over {$300.00} and result in excessive incurred due for interest over the life of the loan. As every single payment had been made and the only reason there was a problem was due to a BECU cause error, an appropriate solution was not forcing me to bear the financial burden. BECU said they would escape the call to someone who could revert the error and call me back. After disconnecting from the call BECU illegally transferred money out of my savings account, changed principal payments to interest payments, and have been incorrectly charging me an increased monthly payment for over a year. I have called every single day and every day they say they will get back to me. They never do. Today I finally got someone to actually engage in a resolution but he said because the issue occurred prior to 60 days ago there was no possible path to resolution. This is a crime. BECU stole my money then intentionally did not engage for 60 days to try and work their way out of their crimes. I have lost over {$1000.00} of personal savings and have a debt over over {$1000.00} illegally added to my name. BECU needs to reimburse me the stolen money and readjust the reflected amount on the auto loan to accurately reflect the actual amount owed.
Consumer complaint received 2023-01-11
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. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Transunion is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I purchased a grill from XXXX XXXX XXXX XXXX using cash app, which is directly linked to my bank ACCOUNT XXXX XXXX. The total cost that I transferred the merchant was XXXX. It is now XX/XX/XXXX and u have yet to receive the item. Cash app stated they have no buyers protection, and my bank said they have no dispute rights however I was scammed by a legitimate company, not a friend or stranger.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2020-10-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (CA)

I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been 45 days and I haven't received any investigation results.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This Company Portfolio Recovery A Trying to collect a debit that was on my ex boyfriend account and he open a case with this company and they deleted from his account. Now they threat me over the phone that if I don't pay I will be arrested over the phone they told me do not hung up stay on phone till Sheriff Dept. arrive or pay now by credit card.That debit on is not legal.I will upload the prove.
Consumer complaint received 2021-04-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (CT)

On XX/XX/2021 I contacted Regional Acceptance about a charge off on my account. I co-signed for my daughter which resulted in a repossession. I spoke with XXXX at Regional acceptance on the above date. XXXX stated the debt was in collections and she ( XXXX ) could not speak further with me. I was advised by XXXX to call XXXXXX/XX/XXXX. I called XXXXXX/XX/XXXXand was told the debt was over XXXX. I spoke with XXXX XXXX who agreed to a settlement on the account in the amount of XXXX dollars. I was instructed to pay this amount on or before XX/XX/2021. I paid the amount on XX/XX/2021. I received a letter in the mail dated XX/XX/2021 from Regional Acceptance stating they violated Connecticut statute by not providing the accurate amount minus GAP insurance of XXXX dollars and would be credited this amount to the outstanding balance. 
I reached out to XXXX and spoke with her regarding the account. I inquired how could she credit something to a closed account? I was told they could and they did! 
Regional acceptance will not take any further calls from me regarding these monies. I inquired about the amount on my credit report which was in error, and the amount sent to XXXX was in error, therefore the info was not accurate.
Consumer complaint received 2019-08-18
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. (TX)

XXXX XXXX XXXX XXXX XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (CA)

On XXXXXXXX XXXX a check was issued and paid to XXXX XXXX XXXX XXXX pay a old CC debt in the amount of {$5600.00} that originated from Care XXXX XXXX XXXX On that very same day Attorney PATENAUDE & FELIX A.P.C. filed a law suite in XXXX XXXX Superior Court XXXX XXXX XXXX XXXX XXXX XXXX stating this debt had not been paid. I have made several contacts to PATENAUDE & FELIX without a reply for past 4 weeks now included copy of the Check and Cleared Check from the Bank, including mail/email and Fax. PATENAUDE & FELIX A.P.C. appear to be on a quest to negatively ruin my reputation and cause me more financial burden with a illegal law suite with the Superior Court of XXXX XXXX. 
The Debt has been paid there is no reason to continue with a law suite or further negative harassment from PATENAUDE & FELIX A.PC.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2021 I sent a 609 dispute letter to Equifax regarding the following Inquires that has been placed on my credit repot, asking for a immediate investigation and removal of these Inquires. It has been well over 30 days and I have yet to receive any information regarding the investigation of the inquires listed below.
Consumer complaint received 2023-01-11
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. (CA)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-01-11
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. (TX)

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 the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I fell behind and submitted a application for mortgage assistance due to burial fees of my mother passing away XXXX XXXX I completed the application and its still in review for 3 months now and i submitted all documents and finished all my paperwork through XXXX which assisted me as well with the application. Its in the underwriting stage but its taking a toll on my credit and it also is taking a very long time for repayment or any assistance.
Consumer complaint received 2022-08-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-08-17
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: Consumer Portfolio Services, Inc. (NC)

I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX Consumer Portfolio Services XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-20
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. (MO)

I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.
Consumer complaint received 2023-01-11
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2020-10-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I have been a victim of identity theft for years now, there has been a recent reporting of " A XXXX XXXX XXXX '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX '' I have uploaded an affidavit proving my various instances of identity theft.
Consumer complaint received 2024-02-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

the year XXXX My husband and I financed a car for a relative and later found out the car was repossessed. After a legal fight and was found liable for the car AFTER we were told at the dealership we wouldn't be we decided to pay on the car. It was already on our credit reporting negative before we could do anything about it. XX/XX/XXXX we found out that the company would settle the debt for XXXX and was told it would not be on on credit if we paid that amount. They referred my husband and I told THEIR collection company to collect payment. That company assured us that it will be deleted once the account is settled in full. We then paid the account settled out in full and received a letter from the third party collection agency confirming deletion of this account from my husband and I credit. 15 months later 17 disputes via online 4 via us first class mail and several phone calls and it is still reporting When i spoke with them they said its nothing the can do about what their third party company said. This is deceitful practice and to this day it is still reporting negative charge off. My integrity and credit worthiness has been jeopardized because of this deceptive practice to accept money for a balance owed on an account.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

There are five misspelled name variations on my credit report associated with Report Number XXXX with the following Name ID Numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX. Having misspelled versions of my name associated with my social security number creates risk of someone misusing my personal information. I called Experian 's customer service number several times but the recording does not offer any meaningful help.
Consumer complaint received 2023-01-11
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX BANK XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXXXXXX XXX Balance : {$5200.00}