davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLSTATE LENDING GROUP, INC (GA)

XXXX XXXX XXXX is a XXXX  party debt collector and claim that I owe them {$140.00} this is in fact inaccurate because XXXX XXXX XXXX are a XXXX  party and not the original creditor and due to that it is inaccurate. I would like XXXX XXXX XXXX to stop reporting on my credit report I want to dispute this matter and remove them from reporting on my credit report.
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.
Consumer complaint received 2015-03-31
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Radius Global Solutions LLC (GA)

Central Credit Services, LLC contacted my neighbor about my debt. This neighbor is not a contact person nor reference on my application information. I 'm unsure how they targeted her or why they would try this tactic since it 's illegal. I have no idea how many of my neighbors they have tried this with.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OK)

It is with fair collections and out they say I owe {$5700.00} which is not accurate, I have verbally spoken to them regarding a dispute and they have not provided any validation or documentation of the debt, additionally tried to dispute through credit glory and they did nothing but charge me over {$300.00}
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (DE)

I received a copy of my credit report, and that is when I notice the collection account for LVNV Funding LLC . I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.
Consumer complaint received 2023-01-18
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : 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
Consumer complaint received 2023-01-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX .Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXX XXXX XXXX .... Balance : {$2400.00} TXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-12-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

DITECH I am having serious problems with the servicer of my home equity line of credit. The loan was originated by XXXX XXXX XXXX ( a predator lender ) then assumed by XXXX XXXX XXXX then sold to Green Tree now known as DITECH I have had repeated problems with Green Tree/ Ditech . such as : 1 having my monthly payment applied to the wrong account. 
2.holding the amount I paid extra with my monthly payment in an escrow account to be applied toward next month 's interest. **It should have gone to reduce principle. 
3.confusion and lies in addressing my latest concerns, due date change, loan modification or ReFi. 

Ditech is reporting me over thirty days late with my payment for XX/XX/XXXX. 
My payments are due on the XXXX of the month. So I pay the XXXX of the month only3 days later. Each month I send extra for the 3 to 4 day delay and verify it on the next statement When I saw my credit bureau, I forwarded a copy of each monthly payment debited from my bank account for XX/XX/2016. to Ditech I called a couple days later to discuss and get the error corrected. The gentleman I spoke with was having difficulty and asked his supervisor for help. 

Supervisor XXXX asked me " And what is your question ... ''? I guess she had n't been briefed so I explained again. She responded in a very harsh tone " Well you 've been over 30 three times ... ''. I was astonished, thanked her and concluded the conversation. With that attitude I was n't going to get anything resolved. 
I called two mores times the next week and got promises " you will see the correction in XX/XX/XXXX '' or " you 'll get a call back '' So who was I to it write to. Ditech, s president, XXXX XXXX is gone, resigned or fired. The parent company, XXXX XXXX, XXXX XXXX, CEO is working to downsize the company to make it more " efficient ''. 
What happened to providing effective customer service for the accounts they have. The staff is rude and confused. This is clearly not happening and needs oversight by a Regulatory Agency. 

My loan is due to reset to higher payments, no one knows when. I did the math. A higher payment I can not afford and sill cause me to default. I asked Ditech 's loan modification specialist, XXXX to please call me so I could apply. To date I have not received a return call from Ditech.
Consumer complaint received 2017-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ACS Education Services (IL)

I sent a letter to ACS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ACS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ACS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2023-01-18
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. (TX)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX CO XXXX Date opened XX/XX/XXXX Balance : - ; XXXXXXXX XXXX XXXX ( Original creditor XXXX T ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : 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  Inquiry : XXXX. XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$130.00}
Consumer complaint received 2024-11-01
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear XXXX I am writing to formally dispute a fraudulent account that appears on my credit report. This account is unauthorized, and this result of identity theft. 
Fraudulent Account Details : Creditor : XXXXXXXX XXXX Account Number : XXXX Reporting Agencies : o TransUnion XXXX XXXX XXXX XXXX I request that you investigate this is a fraudulent account and I have filed an FTC report, I want this to be removed from my credit report. I have not authorized this account, and it is negatively impacting my XXXX XXXX. 
I have attached copies of my identification, and any supporting documentation related to this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am filing this complaint against Capital One regarding their mishandling of my new credit card account, which has severely impacted my credit due to fraud concerns and delayed account verification. 

I was approved for a new Capital One credit card, and before receiving the physical card, I was given a virtual card number. I made one transaction using this virtual number. Shortly afterward, Capital One restricted my account, citing fraud concerns, and locked my online access. Notably, I had opted into electronic statements before Capital One restricted my account. However, once my access was locked, I could no longer view my account or statements, leaving me unable to monitor my balance or confirm any activity on my card. 

Over the next three months, while Capital One took time to verify my identity, I remained locked out of my account, preventing me from accessing any statements. As I could not verify whether there was fraud or confirm that my information hadnt been compromised, I did not volunteer any payments. 

During this period, Capital One assessed three late fees on my account but only agreed to waive two of them. Furthermore, despite the restriction being in place and my inability to access account information, Capital One reported me as late to all three major credit bureaus ( XXXX, XXXX, and XXXX ), causing significant damage to my credit score. 

On the day Capital One finally lifted the restriction and gave me back access to my account, I happily made a payment that brought my account fully current. Despite my swift action to correct the account status, the damage to my credit had already been done.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XXXX/XXXX/2016 I ordered an Official Check from USAA ( a company with whom I have had a longstanding relationship ) with expedited shipping ( USAA does not specify method ). Five days later the check had still not arrived. No notification was given that the check had been issued or shipped or by what method, nor was any tracking information given. The bank representative on the phone used tracking information not available to me to inform me that the check had supposedly been delivered by XXXX on XXXX/XXXX/16 ( the funds were not debited from my account until XXXX/XXXX/16 ). This Official Check - essentially a cash instrument - was sent by unsecured means with no signature required. No XXXX package ever arrived at the designated address, or if it did it was left in an unsecured location and stolen. I requested that the bank stop payment on this check and immediately issue another check in the exact same amount to the exact same payee but the bank representative refused, stating that their policy prohibited doing so for 90 days - meaning of course that they preferred to leave open the possibility that the check would be fraudulently presented for payment. I escalated the matter to the CEO 's office, which responded promptly to my email ( XXXX was the rep 's name - no last name given ), but then took several more days to " investigate '' before informing me that no exception to their policy could be made despite the fact that it was to both the bank 's and my benefit to stop payment. This is both inexplicable and unacceptable. Our interests in preventing fraud would seem to be aligned in this matter but the bank remains obstinate. Please intervene and assist. Thank you.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following information that appears in my Chex System consumer report. I have NEVER opened or used the following account number : Bank : XXXX XXXX XXXXXXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Chex System Consumer report immediately. Ive attached a copy of the report of the report to this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IN)

Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. 

I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. 

I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. 

I am attaching proof of my identity and a copy of my credit report for your reference. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tally Technologies ()

Report of Unauthorized Debt Transfer and Suspicious Activity by XXXXXXXX XXXX and Tally I am submitting a formal complaint regarding the unauthorised transfer of my loan from Tally to XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ), and the suspicious practices I have encountered during this process. 

Background : For several years, I made timely, automatic payments of nearly $ XXXX through the Tally app. Recently, I noticed that no payment was debited from my account, and I could no longer log into the app. Shortly afterward, I received an email from XXXX notifying me that they had taken over my loan, but this email was flagged as spam and delayed in reaching me. 

Key Issues : 1. Lack of Notification and Authorisation : I never authorised the transfer of my loan to XXXX, nor was I notified by Tally that this would occur. 

2. Suspicious Communication from XXXX : XXXX  email included a payment plan of $ XXXXsignificantly less than what I was payingwith no explanation or disclosure of the interest rate. Their phone number did not work, and their payment link was non-functional. 

3. Inadequate Transparency : When I finally reached XXXX  from a number I found on XXXX, they provided vague responses, stating Tally had shut down. They refused to disclose critical loan information, including the interest rate, and mentioned they can not support online payments like Tally had. 

Suspicious XXXX  Contact Information : Mailing Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Email Address : XXXX ( XXXX domain is inconsistent with XXXX, raising concerns about legitimacy. ) Concerns : The debt transfer was done without my consent or prior notice, which violates the Fair Debt Collection Practices Act ( FDCPA ) XXXX  lack of transparency, unresponsive communication channels, and suspicious email practices suggest deceptive or improper debt collection activity. 

I request that the FTC investigate both Tally and XXXXXXXX XXXX XXXX XXXX XXXX for potentially violating consumer protection laws, including unauthorised debt transfer and deceptive practices. 

Sincerely, XXXX XXXX