davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Hello, I tried to get my free credit report from Equifax, I provided all my information needed and I got an error stating that the Information I provided did not matched their records. So, I opted to pay a {$19.00} subscription for Equifax Complete Family Plan and provided the same information used for my free credit report and this time it matched their system ( weird don't you think? ). So, after paying and setting up my account I was able to access my credit report # XXXX and I noticed some name variations and a negative late payment which I wanted to disputed and selected the option to submit a dispute online. However, I was taken to another website that required me to answer some question to validate that I was who I said I was ( after paying and having access to my credit already ), so I answered all the questions and after being " Validated '' I was given the option to upload the required documentation to support my disputes and I uploaded my VA DL and my US Passport card scan an to my surprise when I clicked submit, I got another error saying " The information you provided does not match our records, please submit your dispute using a web form '', so I tried using the web form but this option did not had the option to dispute the name variations nor the late payment listed on my report. So, I called XXXX today at XXXX and spoke with at least 5 people who did not know what the problem was and the only thing they offer was to place the disputes on by behalf, so I did placed the disputes over the phone after validating ( again ) that I was who I said I was. Now, the problem is that I'm paying {$19.00} for a product that dont work as expected and the vendor ( Equifax ) support personnel told they do not have a team that can assist me on figuring out why in that world I can't use the " online dispute '' option available on my account. So, it seems to me they are using predatory methods to lead consumers to pay for getting their credit reports and to pay for access to a web system that does not works as expected. 

All I'm trying to do is to get my stuff right and I wanted to upload my personal documents to help them expedite the disputes. 

Is this something you can help me correct?
Consumer complaint received 2021-07-27
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. (FL)

I have an account on my Equifax credit report Names XXXX XXXX XXXX and XXXX XXXXXXXX. They have the same NUMBER, they were opened on the same DATE ( XX/XX/2012 ), with the same DATE OF LAST ACTIVITY and THE DATE OF LAST PAYMENT. These duplicate accounts were not removed by Equifax after their investigation that I've requested. According to FDCPA and FCRA account must only appear once on credit report. 
I have more issues with Equifax investigation and by my legal right I will submit each of them until my credit report is accurate.
Consumer complaint received 2020-11-19
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)

Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (TX)

XXXX  is involved in a Fraud Suit ( Case # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ) ... Reported to Credit Bureaus, and received from Credit Bureau that all information reported was correct when it's not... The litigation is still pending, and Case is still active ... The company ( XXXX ) was taking monies from my bank account due to fraudulent activity ... Yet the Company ( XXXX ) shows paying as agreed on my account...
Consumer complaint received 2022-05-25
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. (SC)

XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount 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 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
Consumer complaint received 2022-08-21
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. (AL)

n 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 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 instructio
n.
Consumer complaint received 2021-07-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MONEY SOURCE, INC., THE (CA)

In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from The Money Source Inc to XXXX XXXX at sometime in XXXX or XX/XX/2021. The loan transfer effective date in The Money Source Inc 's statement is XX/XX/2021. The loan transfer effective date in XXXX XXXX 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The Money Source Inc. See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or XXXX XXXX. I should pay nothing to XXXX XXXX. XXXX XXXX refused to admit the fact and asked me to make the payment. I contacted XXXX XXXX weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. XXXX XXXX doesn't actively contact the money source and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on XXXX XXXX 's record. The XXXX XXXX threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The Money Source on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.
Consumer complaint received 2019-02-20
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: Commonwealth Financial Systems, Inc. (OH)

This Company Claims I have several accounts in their office which none have been validated even though I have sent several requests. This company further posted inaccurate information to my credit reports after changing account information. I have sent multiple copies of what is required of me to support my identity theft claim including and not limited to an FTC identity theft report. I have also reported this to the FTC XXXX knows they are in violation and has not handled this complaint correctly and defiantly not in accordance this FCRA or FDCPA. This company should not have posted any accounts to my credit reports without sending me information to request validation. XXXX knows is aware they have not followed compliance rules. Therefore, they changed account information. The account is not listed as a medical collection it is listed as a charged off debt. According to FDCPA XXXX must remove this inaccurate information which they know. Again, I have submitted valid proof of my identity theft claim which XXXX was in receipt of on XX/XX/2019 via certified mail and signature receipt.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX-XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Rereference number : XXXX
Consumer complaint received 2022-08-20
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: Affirm Holdings, Inc (TX)

On my credit report I have 6 listed dates of loans taken out from AFFIRM INCXXXX within 2 months. This is not me at all. Here are the dates/account numbers/Loan amounts below : XX/XX/2022 / {$1900.00} XX/XX/2022 / {$970.00} XX/XX/2022 / {$1500.00} XX/XX/2022 / {$410.00} XX/XX/2022 / {$380.00} XX/XX/2022 / {$2000.00} These accounts listed belong to a person I know who opened all these accounts using my social security number which is fraud that I want to dispute.
Consumer complaint received 2022-08-20
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: BARCLAYS BANK DELAWARE (SC)

I received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. XXXX shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; XXXX does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with Barclays is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the Equifax  data breach and may have got into the wrong hands.
Consumer complaint received 2019-08-08
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. (FL)

I am a victim of identity theft. I have fraudulent items on my credit report that I did not apply for nor did I give permission to anyone else to apply for. I never submitted my personal information to any bank to apply for any loan or credit card or bank account. There are also credit inquiries on my credit report that were generated because of those fraudulent applications.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

They are calling my cellphone. I ride a motorcycle. My headset answers calls automatically so my family can reach me. I can not hang up without pulling over. The distraction is most dangerous. 
I have not been able to talk to a human at the company ( gulf coast collections ).
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CA)

Conn 's has been frequently calling my phone number looking for someone in order to collect a debt. I have never purchased anything or done business with this company. I have contacted this company several times explaining that I'm not the person they're looking for nor do I know who she is. However, the calls still come in.
Consumer complaint received 2019-02-20
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. (WI)

I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XX/XX/XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. They have even stopped sending all correspondence to me. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
Consumer complaint received 2019-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously notified XXXX XXXX XXXX XXXX on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-02-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JTM Capital Management, LLC (VA)

I was contacted by a representative from XXXX XXXX and was informed that they were collecting a debt. First they called my work number, when I advised I could not receive calls at work, the representative advised me he would note that in my file, yet if they took legal action they would be able to call my place of employment. When speaking about re-payment options the representative then informed me that if I did not submit payment in the current month we were in that I would be sued and my wages garnished. The threat of legal action was used to harass me and threaten me into making a payment on there terms during the call. I have never received initial notification of this company taking over the collection of the amount owed for the account. I spoke to my wife, and she then called to speak to the account representative that had called me earlier, she asked the agent who contacted me if the account was in standard collection or legal collections. The representative adamantly confirmed that there were not any legal actions taken currently, even though he had just threatened to garnish my wages on the prior call. My wife asked if they had purchased the debt or if they were collecting on behalf of the original creditor, in which she was informed the company was collecting on behalf of the pay day loan company. My wife asked for validation of the debt to verify that they did have the right to collect the amount owed. Even though I do not deny that I owe this account, the representative did not advise myself or my wife of the legal disclosures that the calls were recorded and that they were a debt collector. This along with the abusive and harassing threats of legal actions to make me set a payment agreement that I was not comfortable to make nor could commit to paying without placing myself or my family in finiacial harm.
Consumer complaint received 2019-02-20
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. (GA)

We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have request my credit reports from the 3 known agencies XXXX, XXXX and TransUnion. I Have prior credit reports dating back from XXXX, most recent is XXXX from XXXX, XXXX from Transunion, I received a response that TransUnion needs {$8.00} payment and that I need to provide them additional information to prove my Identity is a fake credit reporting system. I have resided at the same address since XXXX, and in addition to that I am a United States citizen since birth, as of the recent shutdown who should have to provide any information when you can not trust the government to make sure that our country doesnot fall.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC (OH)

I tried to resolve this debt with two companies, one called Capio, and another called XXXX XXXX XXXX XXXX XXXX ... I talked to a women named XXXX from XXXX-she said I owed a debt on a bill from XXXX XXXX XXXX from XX/XX/XXXX! Although this just hit my credit in XX/XX/XXXX? I had a great credit score, and within 3 days my score dropped drastically.. I have XXXX the name of these companies, which they have the same address listed, and when I called Capio and XXXX there has been multiple complaints filed against them for years! I need help resolving this issue and removing them off my credit report. 
Thanks!
Consumer complaint received 2019-02-20
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: Experian Information Solutions Inc. (WI)

I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf.They have just stopped sending me all correspondence all together. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (GA)

I submitted a complaint with XXXX XXXX XXXX XXXX on XXXX XXXX XXXX I am requesting a copy of the Original Purchase Agreement from Debt Collector. The account that I had with the credit was sold in the information reporting on my credit file is incorrect. 

Complaint ID : XXXX Please provide me with the Original Purchase Agreement for this Account.