davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary 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 PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX  XXXX ,  IA XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

XX/XX/XXXX I received an email from US AUTO SALES STATING THAT I NEED TO CONTACT WESTLAKE PORTFOLIO MANAGEMENT BECAUSE THEY NO HAVE MY LOAN AND THAT IS A DEBT COLLECTOR COMPANY WHO DOES NOT HAVE MY CONTRACT NOR HAVE I SIGNED ANY CONTACTS WITH THEM AND US AUTO SALES BREACHED MY CONTRACT CAUSE SINCE THEY SOLD OUR LOANS TO THE DEBT COLLECTOR THE EXTENDED WARRANTY THATS INCLUDED IN MY LOAN IS VOIDED AND THE WARRANTY COMPANY TOLD ME THAT WHEN I REACHED OUT TO THEM ABOUT SOME WORK THAT NEED TO BE DONE MY CAR And NOW IM STUCK WITH A CAR NO WARRANTY THAT NEEDS ABOUT XXXX worth of work Done to it Have been requesting my Contact from WESTLAKE for a month now and they keep saying they dont have them
Consumer complaint received 2023-08-20
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: Southwest Credit Systems, L.P. (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires Southwest credit systems Reported : XX/XX/2023, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-08-19
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. (CA)

Good Afternoon, XXXX : ********* LOCAL, STATE, FEDERAL, AND MILITARY LAW ENFORCEMENT CONTACTED ************* ___________________________________________________________________________ With that said, I contacted XXXX, directly ; as, I provided detailed information and data indicating that the following accounts are indeed Identity Theft, Fraud, and Mail Fraud. And, the accounts are to be deleted immediately per Federal Law.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # _____________________ 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 contacted " XXXX " ; " XXXX " ; and " EQUIFAX " and, requested for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-08-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

On XX/XX/2023 a tree fell on my house. 8 days later the adjustor for my insurance came out for damage estimate and gave me a check stating that they had to include my mortgage company as a payee, don't endorse the check, send it to Newrez for endorsement when they return it, I can then endorse and process the check to begin repairs. I immediately contacted Newrez customer service department. The agent that answered the phone didn't try to transfer me to any other department, insisted that I commit to a date that I would be making my next mortgage payment ( that wasn't due yet ), then gave me the address. I sent the unendorsed check by overnight mail on the XXXX of XXXX. They signed for it on the XXXX, and we didn't hear anything until the XXXX of XXXX, when my wife XXXX XXXX XXXX called. She navigated her way through a confusing automated menu, and finally got to the correct department, to be told that this was the 1st time that we called. Got a very brief walk through their process, told that we needed to fill out an owner 's affidavit and send in a copy of the adjustor 's report. We sent that paperwork XXXX on the XX/XX/XXXX ( signed for on XXXX ). We waited until the XXXX when again we called. 
I was told that they see the check, was there and the other paperwork was there, but not uploaded yet. Once the paperwork was uploaded they would decide how to proceed with processing the check.I waited until the XXXX hearing nothing I called back, being told they would be sending the check back to us for endorsement to send it back for an 8-10 day processing before initial payment was issued. Unsatisfied I went to my insurance office and the office manager called on my behalf. Now being told we also needed to send in a signed contractor 's estimate, and we are given a tracking number for the check being returned to us. XX/XX/XXXX not seeing any activity on the tracking number given ( that was created on the XXXX ) I called yet again, to be told that the check was sent out on the XXXX by standard mail. I then asked to speak with a supervisor. I then was told that the check was being sent out XXXX on the XXXX of the XXXX, and a return label was created and emailed to me, verified I received it, and stated I could either print the label myself or take it to a XXXX XXXX and send it back overnight. All this time, the only thing we've been able to do is have the tree removed and sit and wait as our roof continued to leak having to be tarped again, which caused more damage. Getting no answers as to why it was taking so long to get this processed for repairs to be made.
Consumer complaint received 2024-01-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme frustration about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6400.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$450.00}, and XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1500.00}. I already submitted a dispute to XXXX and XXXX regarding these accounts, and they have already removed them from their records. They found an error and were able to verify it. I'm confused how you've verified these accounts while the other bureaus have already removed them. Please delete these accounts from my file. They are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX XXXXXXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

On XX/XX/2019 this debt was settled in full for {$2300.00} ... See payment in full receipt and cashier 's check. 
These XXXX  at XXXX XXXX XXXX XXXX, XXXX, Texas decided to break the law and pursue additional collections by passing, selling or sharing this account with other affiliated collection companies. XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX, XXXX, and the originator of the account Jefferson Capital Systems , LLC far beyond the payoff date above in order to Extort more funds.. It didn't work.. So they turned to damaging vehicles and personal threats to attempt to Extort more funds. The stalking and harassment all over XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has gone on in person and in vehicles for 4 years now..We finally were given advice by an FBI Agent to set up hidden video surveillance and draw them in to where I would park my vehicles and then move every 4 to 7 days to a new location to see if they follow and sure enough the agent was dead on with his advice. We recently turned over the video evidence to XXXX XXXX Police XXXX, XXXX XXXX Police XXXX. and the FBI in XXXXXXXX XXXX. They will retain this file until we proceed with our Civil Court Action and move from there. XXXX affidavits as of this date along with 13 witness 's, 4 police agencies that are being subpoened along with 22 cars with plates that have been verified for owners and use.. Want a sample : XXXX XXXX at XXXX and XXXX in XXXX XXXX filmed from a friend 's apt . on the corner behind shutters in the front room, we won't give plates you have them, XXXX XXXX at XXXX XXXX and XXXX XXXX across the street filmed from from a sitting vehicle. 
XXXX XXXX XXXX XXXXXXXX car filmed at XXXX at night from a sitting vehicle. The list goes on and on... No more talk, we have built a solid case against XXXX XXXX XXXX XXXX,, JEFFERSON CAPITAL SYSTEMS , LLC, AND XXXX XXXX XXXX XXXX XXXX Wait for the knock at your door for your files, phone call records which we also have that are extensive, mail that goes back 7 years ... To bad you got played while building this case but that's what law enforcement advised us to do. 
See you in court. Bring lots of money..
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (TX)

Following accounts Experian XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX  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 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AZ)

Ive had several issues with fraudulent transactions tied to my Apple Card. Additionally, the vendors provided information to Goldman Sachs and/or Apple. Goldman Sachs has failed to conduct any sort of investigation. Furthermore, I have submitted XXXX reports and complaints to the Arizona Attorney General. Finally, my credit limit was recently reduced abruptly by XXXX third - without releasing the credits for payments made. I hade over {$5000.00} in credit tied to this card - after recent payments.
Consumer complaint received 2023-08-22
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-22
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-19
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-08-22
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. (TX)

I was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX  Account # : XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (CA)

I had a XXXX Visa XXXX card for traveling, i closed account last year until i returned to the USA and reapplied for my card, Comenity Bank Visa the bank has lied mislead and continue to lie and make false statements
Consumer complaint received 2023-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

I can not log in to my account. I have called and I have emailed and everyone keeps telling me what I owe and when it is due. However, I keep asking why I can not get into my account. The last time I called, the rep told me the reason I can not get into my account is because my loans are being discharged and when the process is complete I should be able to get into my account. Well, I still can not get into my account and I just now received another email about what I owe. My loans have not been discharged. I can not afford my monthly payment and want to apply for an Income-Driven Repayment plan. But I can not get into my account to get forms or pay or anything. I won't be paying anything at the moment because I'm locked out of my account and no one is helping me.
Consumer complaint received 2023-08-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I disputed several accounts on my report with XXXX, TransUnion, and XXXX. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.