davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my consumer reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (TX)

JPMC CHASE, XXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (KS)

I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( XXXX and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DocuPrep Xpress (NC)

I signed a contact with DocuPrep Xpress based out of XXXX CA to help reduce my student loan payments. Im having concerns about the company because I'm hearing that they are a scam. Im raising out to the company but no response from them. I have already paid {$190.00} a month since XXXX for their fee of {$990.00}. Now the monthly payments will be {$39.00} a month for the next ten years. Im asking for help to find out if the company is legal or illegal.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

I have tried to contact Wal-Mart by phone but have been unable to reach a live person at the number listed on my credit report. Account # XXXX is still being reported as a charge off /collection account but this account is paid in full. I have attached how the account is reporting on all 3 credit bureaus. XXXX reports paid was a charge off but XXXX  and XXXX is reporting as it is still a collection / charge off in the account status. Please update the payment status to the correct paid status to ensure my credit report and scores reflect accurately. 

I have also reached out to the credit bureaus via usps on several different times but they failed to correct the errors.
Consumer complaint received 2018-09-25
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. (CA)

Yesterday, I received in the U.S. mail my " Free '' annual credit report from " Equifax '' dated " XX/XX/2018. '' On " Page 12 of 54 '' under the " Previous Addresses '' section, it STILL lists that I once lived at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, MN ; XXXX ; Reported XX/XX/2018. '' I have NEVER lived in Minnesota. 
" Equifax '' has STILL refused to take this false " Identity Theft '' Minnesota OFF of my " Equifax '' credit file that I first noticed and first also reported it to " Equifax '' about 4 years ago!!! 

" XXXX '' and " XXXX '' has NEVER listed this " Identity Theft '' Minnesota address on my credit files with those 2 GREAT credit reporting agencies. 

Which tells me that " Equifax '' must have a dirty employee at their company who is on the payroll of this Minnesota " Identity Theft '' crime ring. 
This is my 8th time in 4 years of complaining about this " Equifax '' mistake!!! And each time " Equifax '' takes OFF this false Minnesota Identity Theft address after I complain about it to the U.S. CFPB. But a few months later, " Equifax '' places this false Minnesota Identity Theft address BACK ONTO my " Equifax '' credit report until I catch THEIR mistake AGAIN usually in the FALL when I request for my " Free '' credit reports!!!!
Consumer complaint received 2022-05-30
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 2020-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC (CT)

Two medical debts from visits on XX/XX/XXXX and XX/XX/XXXX for a total of {$1200.00}. I submitted all documentation to insurance and they paid the claim from XX/XX/XXXX. The insurance carrier ( XXXX ) has said repeatedly that they have not received a claim for XX/XX/XXXX. I have contacted both the medical provider and their debt collected multiple times and each time they said they would resubmit the claim but have not and have not only continued to bill me but have reported the debt to credit reporting agencies which has negatively affected my credit making it difficult for me to get loans or credit cards. I have all necessary documentation and proof of attempts I have made to resolve this issue. I contacted the collections agencies in the following dates via phone : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX and have sent numerous emails to all parties involved. I was told by medical provider and collection agency that they could not contact my insurance provider we regarding this debt and that I would have to however I thought that this violated CTs balance billing laws.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (OH)

Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical  bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC   stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting information.
Consumer complaint received 2020-08-05
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. (AZ)

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX XXXX  have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Consumer complaint received 2020-08-05
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX XXXX XXXX, XXXX has reported incorrect account on my credit report. Accounts was removed but XXXX   and XXXX unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (VA)

The account # on these accounts is Eos CCA- XXXX XXXX XXXX XXXX- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.
Consumer complaint received 2018-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX IS STILL PULLING PROMO INQUIRIES FROM TRANSUNION/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

ERC added a collection account to all three credit bureaus for XXXX XXXX XXXX for {$110.00}. I called and explained that this debt wasn't mine as I have perfect credit and have never had a collection. They said if I paid the debt, they'd delete it from all three credit bureaus. I figured I'd just pay the {$110.00}, even though the debt wasn't mine, just to have it removed. ERC removed it from XXXX and XXXX but refused to remove it from XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Conn's, Inc. (TX)

Upon receiving a call from from XXXX with Conn 's collections dept., I was reluctant to pick up and wanted to advise them that I had recently came into full time employment and that my first check would be XX/XX/XXXX and that I would be more than happy to make some type of payment then. The collectors communication tactics were very poor and were very brash, belligerent, condescending, and he wasn't talking to me, but was talking at me. The collector was informed that the merchandise had stayed in a vehicle that was repossessed. I am a XXXX XXXX XXXX that was working part time, that was made to feel foolish and beneath him when he said, " So your telling me you haven't worked in 7 months? '' I said, " If you can see I had a deferment in XXXX, I could not have foreseen my company trends as far as employment. They started cutting my hours and as it was i was part time. I went from 25 hours a week to getting told I wasn't needed for the day. '' As if telling him I had been unemployed was not good enough. He was very defensive and I felt that his tone could have been considered abusive and belittling, there was no empathy when he stated, " You do know why we are calling you? '' as if to make you feel feel beneath them because you owe them .... 

After stating that I wanted to pay them even if I did not have the merchandise, but that I will not have funds till XX/XX/XXXX that's when he said so you don't have anything, i said I don't have anything, I'm literally negative, i can show you my bank account if you want. he then stated, " by then your account will be charged off or could go to legal '' Very misleading on his part because he failed to fully explained what exactly that meant by it could go to legal. So I stated so what, does that mean you are taking me to small claims court? He said, there is no telling it could go to legal, asset recovery, or some other department I do not recall. He was very deceptive when he stated legal and vague, I feel that he was in violation of many consumer rights. I do not want to have to deal with them every again.