davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
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. (AR)

XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX  at the telephone number XXXX on XX/XX/2018 at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX  sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MA)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 
you also raised the balance of the debt and we both know that is illegal and will be used as an exhibit and I sent you this certified last month, you received it and did not respond to me.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/XXXX I purchased a bunk bed from XXXX XXXX XXXX online they charged me {$440.00}. The next day the item shipped in 3 separate boxes and XXXX XXXX decided to bill me again for each box which came to {$440.00} again. So they charged me twice for the same item I called XXXX XXXX and they told me they would release the first charge but my bank would need to release it on my bank acct ..., I called USAA and we did a conference call to XXXX XXXX they confirmed they would release the first charge. Per USAA the pending charge would be released within 24 to 48 hours from the XXXX ... 48 hrs pasted and the charge was still pending now USAA tells me by Friday XX/XX/26 it will be removed come Saturday the charge was still pending so Saturday they tell me by midnight Saturday it will be removed and the funds will be put back into my acct it is now Monday and the pending charge is still there ... I called again this morning and was transferred to their escalation team who refused to assist me and told me that it will be released tonight at midnight ..., I asked for something in writing regarding their policy and she fused ... .I asked for a manager and she refused ... I asked for her full name or employee Id she refused ... I need assistance
Consumer complaint received 2018-06-21
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. (AR)

XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXXUpdated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/2018 at XXXX pm and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX., but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI (PA)

Provided this company with a permissible request and cease & desist.

However this company is still reporting to all consumer agencies which is a medium of indirect communication. This company does not have validation of this allege Debt according to 15 U.S. Code 1692g - Validation of debts all collection activities is to be ceased until validation is proven!

15 U.S. Code 1692g - Validation of debts, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TX)

This debt collector continues to call my work phone number ( XXXX ), leaving a voicemail stating that I need to call them back, with no other details provided. They called three times on XXXX ( XX/XX/26 ) night after business hours. I have already submitted a complaint regarding this company once before.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

Experian states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX  state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX  state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

CITI bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.
Consumer complaint received 2021-03-01
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 payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX  states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information TransUnion state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with capital one. I couldnt pay it so it got charged off. On XX/XX/2018, I called and settled the account. I have asked them why they are reporting a balance on the charged off account since it was settled. I was told by the gentleman on the phone that it was going to reflect a XXXX balance due to it being settled. I have called them again in mid XXXX and they keep giving me the Run around saying that there is nothing they can do. 

Please help me resolve this issue. I in good faith settled with them because I know i couldnt pay the full amount.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

I put a credit freeze with Experian during the pandemic on their advice. Their website shows options to initiate a freeze and lift freeze. 
On XX/XX/24 my furnace was inspected and I was informed it needed to be replaced. The company ( XXXX XXXX ) attempted to run my credit for financing purposes but it showed the credit freeze. I went to the Experian website to lift the freeze, which I assumed would happen immediately just as initiating it did. After 30 minutes it was still not lifted so I called Experian. The representative informed me it would be at least 48 hours, or I could pay a one time fee of $ XXXX to have it lifted immediately. I opted to wait 48 hours and asked the furnace rep to return after that time on XX/XX/24. When he did the freeze was still not lifted. I called Experian again and this time was informed I needed to submit a request in writing and there was a 2-4 week wait for a response. This means I will lose the short term discount available on the new furnace installation, and cost me several XXXX dollars. I find this unacceptable on many levels, particularly when they said they could lift it by extorting additional money from me. Do I have any other options, or any recourse against this?? Your help would be greatly appreciated.
Consumer complaint received 2022-09-12
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. (WA)

I XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 Equifax : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/ 2020 2020
Consumer complaint received 2022-09-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-12
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. (NY)

My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (IN)

So i was trying to open an account with another bank and it wouldn't let me so I requested my XXXX report and it said my account was closed for cause so I called TCF and they said I had no remaining balance that needed to be paid or anything so I was confused why it said closed for cause when I was the one who called and closed my account myself and they couldn't tell me why it says closed for cause.
Consumer complaint received 2023-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (IL)

I settled a debt with XXXX XXXX on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. XXXX XXXX has now sold the debt to Debt Recovery Solutions. 

I found that they are now reporting this on all three of my credit reports. 

XXXX XXXX are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.
Consumer complaint received 2020-07-17
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. (CA)

PLEASE HELP ME! I am in the middle of a real estate transaction and my loan can't close because my lender is unable to obtain an Equifax credit profile. My other 2 scores are good and more than surpass the minimum thresh hold for the loan, but my lender says he needs to view the third report or else his underwriter will not allow the loan to close. The reason it is not accessible is because there is a security freeze on it. I have done everything in my power to gain access to my Equifax credit profile. I have sent out letters to the credit bureaus asking the freeze to be removed. I have gone online to attempt to have the freeze removed. My lender has called to do the same. I have even called and spent plenty of time attempting to have the freeze removed only to be told every single time that I didn't pass the security questions. 

I don't understand how I fail the security questions. I know my personal history better than ANYBODY. If the answers I'm providing do not match their records, it is because their records are faulty. How am I supposed to guess what they have in their records when they are not accurate? Regardless of anything else, I need to be able to access my Equifax profile. I have been trying to obtain it for months and I won't let Equifax prevent me from buying my home because they can't get their information right.
Consumer complaint received 2022-09-12
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: Credit Karma (CA)

Credit Karma offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX Card or other companies they promoted. Credit was being offered based on Credit Karmas credit monitoring which had negative affects on my credit report.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I have been disputing an account that is reporting on my Credit File with AMEX account number ending XXXX. It has been disputed through the bureaus and I even requested information directly from AMEX and they only sent me a generic reply. This account is past the statute limitations. Amex is not sending me the information showing when the last payment was made. They are not reporting correct information to the bureaus this is against the FCRA
Consumer complaint received 2020-07-16
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.