davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
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: Westlake Services, LLC (CA)

My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact Westlake Financial, XXXX, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. Westlake Financial is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXXN Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

This is the third company to try and collect on a debt that was previously settled. This was handled and taken off of my credit close to 5 years ago. I get a call last week from a woman saying that I have another debt from XXXX during a time I did not have XXXX. I had XXXX. She informed me that she would look into it with XXXX  and get back to me. 2 days later it appears on my credit even though its already been proven to be false prior and removed. This is getting to the point of harassment. I advised them of this over the phone and she didnt seem to care, when I mentioned bringing this up to my lawyer she quickly got off the phone and continued without any validation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (GA)

Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by Discover Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my Discover Card with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with Discover at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) XXXX XXXX XXXX. 

I called Discover to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

XXXX and XXXX were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying Discover. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.
Consumer complaint received 2017-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (GA)

O n two occasions within the past 14 months , I have had  XXXX  Collection Companies file default notices with   XXXX   Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors.    *   XXXX   XXXX   XXXX  based in   XXXX    TX  :  XX/XX/XXXX  Filed directly to   XXXX    on behalf of   XXXX    XXXX   XXXX .  XXXX   XXXX  broke down the basic claim into  XXXX  separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked.   * Cascade Capital LLC : Recently starting in  XX/XX/XXXX  and indirectly for the past  5   months has been harassed me as Creditor on behalf of  XXXX   XXXX  Hospital for {$360.00}.  Cascade Capital  evidently owns many  Credit Collections  Agencies. First contact was from  XXXX   XXXX   XXXX   XXXX   XXXX   , PA ,  who failed to contact me in any way before filing their claim against me with  XXXX   .  They never responded to my letters of  XX/XX/XXXX  and  XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  IN.   Finally, the link back to  Cascade Capital  was obvious.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was notified that a collection account had been opened on my credit report without sending me notification of debt and allowing me the opportunity to dispute it. This information is being reported by trans union in violation of the terms of the fair credit act.
Consumer complaint received 2020-05-27
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I am a human being name XXXX XXXX XXXX I received documentation that XXXX XXXX XXXX Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX XXXX XXXX XXXX  Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (SC)

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.
Consumer complaint received 2022-07-17
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. (TN)

I was denied credit by several companies due to the inaccurate and unverified information TransUnion is furnishing onto my consumer report. TransUnion is reporting the status of account XXXX for XXXX XXXX XXXX is open. This information is inaccurate. The account status is closed. The balance for this account is {$0.00}. The account was paid and settled. The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report, I realized that my report is unfair to me because I was never notified when this inaccurate information was furnished. This mishap has ruined my reputation, and adversely affected my credit worthiness. TransUnion assumed this role and assumed this information was valid. TransUnion failed in the initial investigation of this information. Which is a violation of my consumer rights. This account needs to be investigated and deleted from my consumer reports.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CO)

I purchased a new vehicle in XXXX with financing through Navy Federal Credit Union. 

My final payment was due on XX/XX/XXXX in the amount of {$610.00}. 

I made the final payment on XX/XX/XXXX. With the added interest the final amount was {$610.00}. 

On XX/XX/XXXX my account information online showed a {$0.00} balance with nothing due. 

On XX/XX/XXXX Navy Federal added an account adjustment and increased my balance to {$28.00} with a due date of XXXX/XXXX/XXXX. 

On XX/XX/XXXX my XX/XX/XXXX auto loan statement was also issued. It showed my payment from XX/XX/XXXX with a {$0.00} past due amount. But it also showed that I still had a {$29.00} balance plus an additional {$29.00} late fee. Neither item was listed as past due on my XX/XX/XXXX statement. 

I attempted to pay whatever amount was owed on my account on XX/XX/XXXX ( 10 Days days after receiving my statement ) but when I logged into my online account all charges had been adjusted/ removed and the balance was {$0.00} again and it did not let me pay. 

I assumed the account was paid then and in good standing. On XX/XX/XXXX I was notified that my auto loan account was reported 30 days late to the credit reporting agencies. Additionally I received a letter on XX/XX/XXXX stating that my account was in default for the amount of {$29.00} and could be repossessed. 

I have contacted Navy Federal in writing via secure message and by phone and told that my account is at {$0.00} balance and paid off in full and that no further payment is needed. When I asked about the 30 days late payment history reporting and the information based on the statement I was told that " It is something I have to work out with the Credit Agencies and that they have nothing to do with it ''.

Navy Federal is reporting me 30 days late for an amount they notified me of on XX/XX/XXXX. At the same time the system does not even let me pay anything since it shows a {$0.00} balance.
Consumer complaint received 2023-06-29
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. (OH)

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. 

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, 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 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 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TN)

I applied for credit and denied and upon like at my credit I notice this collection : AFNI/XXXX  {$860.00} reflecting my credit report that does not belong to me nor did I apply for any credit with this company. I have contacted this company and XXXX  about this issue and consisting receive the same frivolous response that is incorrect and fraudulent information.
Consumer complaint received 2022-07-17
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. (IL)

Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Creditor 's Name : Pentagon Federal C. U. 
Creditor 's Address : XXXX XXXX  XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process. 
Mortgage protocol that is not cost effective for applicants. 
Misleading on the loan protocol process.
Consumer complaint received 2023-06-29
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. 


Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or 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 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 2024-02-13
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. (NY)

I just looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX. Account # XXXX, are not complete and accurate. 

I and my 3rd party hired professionals have sent several letters since XXXX XXXX asking them to make sure everything is complete and accurate and here is my file number XXXX They keep sending me the investigation back saying that everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. And according to 15 USC 1681s-2 they are suppose to 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.