davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have my Capital 1 card set up for autopayment. In XXXX of XXXX it did not accept my payment due to the balance being below the minimum thresh hold, but I was not notified. I was contacted by the credit bureau in XXXX of XXXX about the missed payment and went directly to the company. I paid the {$5.00} payment and disputed the fees and charges since it is set up for autopay. The fees were waved but the late payment was not removed. I appealed to Capital 1 in writing, and they refused to remove the late payment report even though they still have me set up for autopay. 

I have disputed this with all the reporting agencies and Capital 1 is advising there will be no action on their end. I feel this is wrong as I was not late and autopayment is set up. Currently autopayment is still set up but now I have to manually make a payment since I do not carry a balance and it is just a monthly fee.
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (SC)

REAL TIME RESOLUTIONS is civilly liable to I, the consumer, through the use of unfair, misleading, deceptive, and abusive debt collection practices for a debt not owed. These acts have caused substantial psychological harm to me and greatly inconvenienced my day-to-day affairs. Furthermore, they are in possession of my personal private information which they have openly refused to dispose of regardless of the fact they were never suppose to have my info in the first place. My right to privacy and sense of security has been severely breached and my trust in the system has been greatly impaired as a result.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MS)

I received notification from XXXX XXXX of a Debt Collection on my report. I look into the claim and its ITEM IN DISPUTE : HWARFIELD XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : Ownership I contacted HWarefield and told them this is fraudulent. They asked me to send my personal information information which i refused. This not my debt. I have never personally done business on any level with these people. 

I need this removed from my credit report as soon as possible Thank You
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (WI)

They said I owe {$2500.00} from a form apartment. I contacted the apartment, they said i owed yet they never sent a mail to say i was owing. I stopped arguing but then when i asked if I did, how do I pay, they went silent. Then i called the company many times but no respond. So even if I owed money, i have no way of paying to get it off my report. I just when it off the report, I don't care if i was owing, i know I don't, but I'm tired of arguing. Please help to take it off my report. Thank you.
Consumer complaint received 2022-06-23
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. (NY)

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXXXXXX XXXX  online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " Hello XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the Main Number XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

At approx XXXX and XXXX, I was notified via push notification that 2 transactions had been competed in my account for {$190.00} and {$15.00} respectively. I immediately called my bank ( chime ) and was told by their dispute department that there is absolutely nothing that can be done until the transactions actually clear my account and at that point I can file a dispute and after the investigation, I may or may not get my money back. 

I said I thought it would be easier while a transaction is pending so noone loses money and although they agreed it would be easier, continued to tell me that's the best they can do and to call back once the transaction successfully clears and I've officially lost money. 

My account is currently negative the amount of these fraudulent transactions. 

I've tried to speak with several people but noone tries to help
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO. (NY)

My experience with XXXX XXXX is disappointing and reprehensible. I have purchased 2 cars from XXXX and also I purchased 2 extended warranties {$1500.00} for each car a total of {$3000.00} charges added to my financing for my both cars. My XXXX XXXX  XXXX  i financed by XXXX credit and the interest rate is very high 11.99 %. For company offers false advertising with 0 % APR or 2 % APR interest. XXXX Credit discriminated me and took advantage that my national origins by giving me the high interest for car purchase. With Ford Company ; I have experienced inconsistent and misinformation from their past employees when it comes to my car 's financing interest and warranty. When I went in to get my rear differential and transmission fixed under warranty the treatment I received was unprofessional and unhelpful. I never got the right copy of the documentation with the information. I paid for warranties that I never used it in the dealership. How can I get my money back for those charges for those warranties. I ended expending repairs in other car shop places regarding to my car issues over the years. The dealership never assist me with my extended warranties. I have been charge with 11.99 % very high interest in my car in the dealership. 

First, the one associate XXXX XXXX ( Business Manager ) just assumed I could not speak XXXX  and had someone come over and speak in me in XXXX  as he flopped warranty folder on the desk and walked away. XXXX XXXX XXXX XXXX XXXX ) spoke to me when we were BUYING two cars, but did not speak to my mom or me when we had problems with the cars about my car financing high interest or my car extended warranty. XXXX XXXX just delegated us to someone else who spoke to us in XXXX. Me and my mother are Americans and we both speak English. Ford Credit disrespect and abuse with high interest towards minorities. I felt very disrespected. I was misinformed in the finance department and also in the service department by previous employees that my car was covered under mileage, not years, a misinformation from their high employees turnover in this dealership ( Employee turnover refers to the number or percentage of workers who leave an organization and are replaced by new employees ). I wonder how XXXX hired unprofessional employees who provided wrong information to customers? I was given no help, no assistance, no customer appreciation, no customer retention, just a lot of excuses and insincere " sorry '' from XXXX XXXX ( Sales Manager ) as I was dismissed. After I spent {$45000.00} dollars and after paying a very high interest in my car financing in this dealership. I got no customer attention, no alternative solutions about refinancing with a better interest rate, no customer appreciation and any customer retention. After this situation. How can I repeat business in Ford Company? It is my absolute, unequivocal belief that after this bad experience and bad energy that this Ford Company is a big waste of money and time.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : 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. 
Accounts Account Name :XX/XX/XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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 from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (AZ)

XX/XX/17 order placed for XXXX lipstick on XXXX shipping address was XXXX XXXX XXXX XXXX XXXX OR The package was delivered to arizona address. 
filed a complaint with XXXX but they wont refund filed a dispute with Wells fargo and was not accepted. 

As a buyer on XXXX using a wells fargo credit card I am protected for this type of mishap. XXXX should be refunding me my money and taking it back from the seller for item not delivered. 

WF dispute # XXXX Status : Closed - Dispute Declined Transaction, XXXX XXXX XXXX XXXX CA XXXX Amount XXXX {$3000.00} Claim XXXX Status : Closed - Dispute Declined I have attached a copy of the receipt ( XXXX pages ) which shows ON THE LAST page the shipping address for the order. 

I also attached a copy of the tracking. 
Shipping address was to : OR Items delivered to : AZ
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I spoke with a Transunion agent named XXXX. I was told that my account accessibility had been removed or taken away from me because a few years ago I was the victim of Identity Theft. This is causing me a great deal of issues when I am either trying to place or remove a credit freeze or when I try to apply for a new credit card. Currently, according to the Transunion agent XXXX, the credit freeze was removed from my account however when I attempted to apply for XXXX different credit card issuers it was rejected due to the face of my credit still being frozen or unable to obtain my credit report from Transunion.
Consumer complaint received 2022-06-23
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. (NC)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information Sincerely, XXXX XXXX
Consumer complaint received 2022-06-23
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. (NJ)

In accordance with the Fair Credit Reporting Accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (FL)

After receiving a copy of my credit file in shock I noticed there is a collection listed. I never had a collection in my life and always pay my bills. I have never ever been informed of this and do not believe it even belongs to me. I have disputed this after seeing this on my report. Please help
Consumer complaint received 2022-06-23
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. (CO)

In accordance with the fair credit reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2022-12-03
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: Augusta Collection Agency, Inc. (SC)

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 ; It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as for any purpose.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

There are accounts on my Equifax credit report that are inaccurate, fraud, and identity theft. 
XXXX. XXXX XXXX XXXX which ended up being a charge off in XX/XX/XXXX. I have never heard of this place, and this is not my debt I have sent multiple letters as well as sent in disputes on this matter. 
XXXX. XXXX XXXX XXXX XXXX ( Closed ) this is marked as a write off which is inaccurate this was paid in full. there was never a write off for the amount of {$340.00} XXXX. There are multiple Inquiries on this account that are not mine I have filed a report with the Federal trade commission, filed disputes, written letters the following Inquiries are identity theft and were not made with my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is also listed that there are several collections on my report. I have contacted these companies all of the listed above and filed disputes, of XXXX. 
The collections listed below XXXX XXXXXXXX XXXX XXXX I have never had any other insurance agency other than XXXX I have filed disputes, written letter, spoken to XXXX XXXX XXXX XXXX. this is not my debt neither is the account for XXXX as previously stated I have only ever used XXXX insurance. I will be filing police report and filing a neither FTC report as well. 
I want these items removed immediately from my report. 
In addition, there are inaccurate names and address and employers on my account i would like all removed but the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX