davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX . XXXX, Equifax and XXXX received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both Equifax and XXXX dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that Equifax is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2022-04-25
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. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-09-29
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. (LA)

Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX  XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$3800.00}
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

To whom it may concern : Please be advised, this is a written complaint requesting your agency 's assistance. The complaint is against Home Depot/CBNA ; which is attempting to collect a debt they have reported as canceled with all three credit reporting agencies. 

Most importantly, listed under the remarks section of my credit report, it states that my account was cancelled by the credit grantor. This information was also reported by Home Depot/CBNA to the credit bureau stating this debt was cancelled. 

Therefore, I am requesting a thorough investigation and removal of this debt from all three credit bureaus. I greatly appreciate your assistance in this matter, and thank you in advance for your prompt response. 


Respectfully, XXXX XXXX
Consumer complaint received 2021-09-11
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report,
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: REMAX (SC)

I filled out an application for rental with Re-max Advantage in XXXX, XXXX. I was denied a rental based on the information from XXXX XXXX stating I had no prior rental history. The agent there XXXX provided me a denial of housing based on my rental history and kept my application fee. I requested an XXXX XXXX  statement because I have no priors of a bad rental history and my credit score is excellent. I got a denial letter with fraudulent information that could be damaging to my rental reputation with companies using XXXX XXXX in the XXXX or surrounding areas. I had my credit pulled in search for housing from XXXX, and the credit report pulled my correct rental history and credit score over XXXX in the last month. The letter sent about my rental history is completely inaccurate compared to XXXX and XXXX. My credit listed on the XXXX XXXX  you sent is displaying a XXXX, so it's hard to believe that I would have a bad rental history with that score. I spoke with my old property manager and was that no one contacted the property for verification. I also provided Remax Advantage with copies of my recent credit report. There is a rental listed on my application from a property XXXX XXXX, XXXX XXXX  that I've never lived at per XXXX. I recently relocated from XXXX, XXXX  and resided at a property there for 4 years that was not listed on the report. I filled a complaint with XXXX  against Remax Advantage, provided them with my most recent XXXX report and was still advised my rental application was denied based on my rental history from XXXX  XXXX  visibly showing different on my XXXX report. I would like my application fee of {$75.00} returned back as well. I provided accurate information about my last 3 year rental history with Remax.
Consumer complaint received 2021-09-11
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. (MT)

I have filed BOTH a police report with XXXX Police Department AND a FTC Identity theft report. Equifax is still refusing to remove a fraudulent inquiry from an account obtained via identity theft. I will be attaching my FTC Identity Theft report. I will follow up with the XXXX Police report ALSO as soon as they give me a copy. I already filed this and CFPB said it's fine to keep inaccurate identity theft on my credit report. IT IS NOT. IT IS ILLEGAL. I am providing the FTC report. Then I'm suing under fair credit reporting act. You now have a law enforcement report. Failing to remove now is malice. I'm entitled to {$1000.00} summary judgment if you choose to break federal law again because now I can prove malice.
Consumer complaint received 2021-04-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was onXX/XX/XXXX. I wanted to involve the CFPB because its now been almost 2 months and I do not want my disputes neglected. This is taking way to long. Please deleted these inaccurate items from my report
Consumer complaint received 2021-10-01
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: The Bureaus, Inc. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS XXXX
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

AARP is transferring their credit card from Chase Bank to XXXX They gave a broad range of interest rates to expect, from a single digit number to a double digit number with about an 18 point spread. There was no choice given to consumers regarding whether they would like to stay at Chase, or have their card moved. 

Phone calls to AARP regarding the lack of interest rate figures were referred to XXXX. XXXX had a phone number loop set up so that every call eventually went back to the same office regardless of the bevy of numbers I obtained. No one would give even a smaller range of interest rates to expect. 

Who on earth would transfer to a credit card that did not give an interest rate up front? 

AARP appears to have become yet one more agency that fell in love with fame and fortune and forgot their commitment to advocacy.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I purchased what was described as 2 calfskin leather purses, being sent from XXXX XXXX. I purchased them from a vendor on XXXX. I payed using PayPal credit. The amount was {$640.00} on XX/XX/2021. When the items arrived, they were plastic, horrible smelling knock off bags sent from XXXX. The vendor had closed their on line store through XXXX so I was no longer able to reach them. I disputed it through XXXX, who did confirm it was fraud. However they said bc I purchased through PayPal I had to deal with them. The first people I dealt with at PayPal said yes, it looks fake, and to return the items. But the return address they gave me had only a city and province in XXXX. No address or name. PayPal customer service kept telling me to just send it, as long as I have a tracking number it doesnt matter. But the post office cant send a package with no name or address. They even made me get a note from the post office saying that. Then they passed me off to the credit department, synchrony bank. They closed the dispute twice stating, you didnt return the items. I kept saying you guys refuse to give me a return address! So I opened the dispute for a third time. I never get any of their correspondence mailed as they are supposed to, but I just got a delinquent notice emailed. I opened it to see that they denied my dispute again stating the seller sent in his policys and it says I was to deal with him. I have no contact to reach him, the on line store was closed! So how could I reach them? Further this was already deemed as fraud by XXXX and PayPal ( when they said I just needed to return the items ). Synchrony banks response also said that the proof given by the seller was attached, but it wasnt attached. PayPal/synchrony bank has the sellers contact information, has never provided it or asked for a correct return address. This has been the most ridiculous experience. I have spent so many hours over the months on the phone trying to deal with it and ultimately end up sobbing because Im so frustrated. I will happily return the garage merchandise, I need an actual return address, but I refuse to pay over {$600.00} for plastic garbage from XXXX with paint all over it.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Violations ; Not mine ; names, numbers and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE LA XXXX XXXX DE LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FCRA Violations ; add payment history : XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPARTMENT OF ED XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unifin Inc. (NC)

Became totally XXXX, lost my home and all income sources. I explained this to credit card companies, that I no longer have the means to pay the debt. Most said they would charge off account. Now between 20 & 25 yrs. later, I'm threatened with judgement & severely damaged credit rating, as of yesterday, from XXXX to XXXX, excellent too poor now. The original debt was $ 5K on the card, Now they want $ 12K. I explained to all debt collection agencies, I no longer have the financial means to pay the debt owed. The financial, physical & mental hardships have been insurmountable & only becoming worse as I age. I never asked to be here in this situation, but still being abused for something I never wanted or asked for. I want a counter claim for damages for abuse of the XXXX & elderly.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I requested a credit line increase through XXXX but was denied. XXXX   stated/provided a letter stating that there is a FRAUD ALERT listed on my report and they were unable to confirm the information. In conversing with the representative from XXXX she stated that they were looking at a credit report with the alert on it, and suggested I contact the credit bureau to get it corrected. 

I then contacted Equifax and they stated that there is no fraud alert listed on my credit report, and that is all they could do for me. The representative from Equifax provided me with a phone number XXXX ; however, when you go through the prompts the system hangs up on you.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Stenger & Stenger, P.C (GA)

On XX/XX/2022 I received XXXX letters in the mail about Case number XXXXOne letter was tampered with and the certified card was missing. The letter was the same both stating summons to garnish my check. On XX/XX/2022 my check was showing wage garnishment over XXXX XXXX of my wages. How could that happens after receiving the notice XXXX days before. I am left with no money to live and to maintain. The entire transaction is crazy and my job is on the line.
Consumer complaint received 2021-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

on XX/XX/2021, i sent Equifax about inaccurate and incomplete items they are reporting on my credit report. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NV)

Barclays is still reporting a closed account to XXXX. This account was never delinquent. This account does not appear on the other 2 credit bureaus ( XXXX or XXXX ).
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

I set up web based automatic payments to pay my STATEMENT balance each month. My XXXX payment was scheduled to be {$1200.00}, the bank only applied {$1100.00}, the {$36.00} was a refund during the following statement period and should of been applied to the next statement balance, like every other bank does. 

I opened a ticket with them XXXX but they never responded or resolved my issue
Consumer complaint received 2022-09-29
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: CREDIT ACCEPTANCE CORPORATION (MI)

I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT ACCEPTANCE XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Texas Guaranteed (OH)

I was fired from my job XXXX of this year and just received notice from the IRS that they are taking my tax refund to pay an unpaid federal debt. I checked my credit report and my student loans are all in good standing. 

So I tried calling the phone number listed on the screen and the answering system stated that the company I was calling was a debt collector Trellis Company any information obtained would be used to collect the debt. I was never notified by Trellis Company that they were taking my refund. The one and only notice that I received was last week from the IRS after they finally approved my refund. Which puts me in worse financial hardship because now I have no way to pay my rent nor buy food.
Consumer complaint received 2022-04-25
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: TRANSWORLD SYSTEMS INC (TX)

They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.