davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask Experian and XXXX customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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.

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

On XX/XX/22 I sent a letter regarding inaccuracies on my credit report and to this day I have not received a response. Section 611 states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items are deleted immediately or I will file for litigation.
Consumer complaint received 2021-01-22
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: U.S. Auto Sales Inc. (GA)

I noticed this inquiry from XXXX XXXX XXXX Automobile. This inquiry was placed on my XXXX report on XX/XX/2019 by this company. I do not have an account with this company and contacted them regarding this matter, in which there was no response. This inquiry is not on any other report only XXXX. I request that this matter be addressed and for the company to provide an inked statement of where and when this happened. I did not sign any documents with this company nor do I have an account with them. Companies like these make it a nightmare for consumers. This inquiry need to be removed from my report.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I received a response from Experian that they will not reinvestigate an inaccurate fraudulent account that was deleted previously due to Identity theft. This said accounts XXXX XXXX. XXXX XXXX XXXX ; XXXX ; XXXX where reposted on to my credit report without notifying me first. The XXXX. XXXX. XXXX XXXX claims that it 's a different account. When in fact it 's not. They just have the different account number from the previous accounts that were deleted. Experian told me to provide proof in order to have these accounts deleted. I did send Experian proof in addition to an Affidavit Of Fact and Truth that I contacted the XXXX XXXX XXXX XXXX back on XX/XX/XXXX, by certified mail Tracking Number : XXXX and I told Experian that I had not received a reply from The XXXX XXXX. XXXX  XXXX. Please See attachment1. Experian still successfully validated those fraudulent unknown collection accounts on XX/XX/XXXX as my collection accounts, without providing me any evidence of an actual original instrument or contract signed by me according to Sect 609. Or accepting any of my evidence of default into consideration. Experian has deprived me of any rights that I have under federal law and remedies. I 've included the letter and sworn Affidavit Of Truth and Facts sent to Experian as an attachment below.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I lost all income and currently have none now and am now reliant on my boyfriend I also experienced some health issues but also explains that the company did not want to hear anything I had to say as I have never had a rougher time they continued to send letters threatening to sue me then I got a paper where they were denied in local civil court 4 months after they filed due to the mail man never delivering the original document I guess but then around XXXX I get a call from the constable that hes at my boyfriends apartment to serve me with court papers just what every mom wants to hear especially when they dont even have two nickels to rub together the constable delivers them the day after XXXX and my neighbors see this which is embarrassing because I lost my income. This company really has no consideration they arent willing to work with me I have the other letters where they are demanding either half the money or 5 payments but like I said if I have no money how can I they wont even work with me? They will even try to claim people didnt speak with them because they have some weird attorneys supposedly handling it but I spoke to the company not the those other people. The company even has been on my credit checking it every so often which I dont like which Im not referring to capitalone but whom ever is claiming to be their attorney.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX and XX/XX/XXXX, I sent Portfolio Recovery Associates a letter for debt validation asking for specific items to verify that the account was mine. Porfolio Recovery responded back on XX/XX/XXXX with a credit card statement and says that it establish validity. The account that they referenced was proven invalid through the dispute process in XX/XX/XXXX and was removed from my credit report. Portfolio Recovery is attempting to extort money from me through mail fraud. Portfolio Recovery did not send me the item I requested to prove validity of the debt that I requested. This account does not belong to me and I am demanding the removal of this invalid debt. This fraudulent account is damaging my reputation with new creditors and preventing me from obtaining credit.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (SC)

I was called and offered a settlement on a debt for less then owed. I agreed to do it if they removed the collection from my credit report vs just saying it was paid. They agreed but once payment cleared they only updated it and refuse to remove it from my credit as promised. I feel it 's fraud.
Consumer complaint received 2018-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NV)

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, My name is XXXX XXXX and I 've already contacted you regarding this matter. Amount of {$120.00} supposed to come to my bank account through the Quick Pay XXXX. However, it came to the different account with my old name XXXX XXXX. Please look into it deeply and do n't rush to say that you do n't see this transaction on my account. Of course, you wo n't see it, as I 've mentioned before I 've never received the money. 
If any questions call me at XXXX. 
Would love to get you help on this matter.
Consumer complaint received 2018-01-19
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. (MN)

XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from capital one which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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.

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio Recovery Associates Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX Date opened : XXXX XXXX, 2017 In the amount of {$570.00} I disputed with this company they only provided me with a printed out payment history. They did not validate the debt nor validate any type of signatures associated with the debt. 

To whom it may concern at Portfolio Recovery Associates Be advised that this is not a refusal to pay and This is not a request for " verification '' or proof of my mailing address but a Request for VALIDATION of the debt you say I owe pursant to 15 USC 1692g Sec. 809 ( b ) of thd FDCPA. 
If fail to provide Validation I am requesting immediate removal of the debt from XXXX, XXXX, and XXXX.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Every single month since my dispute XX/XX/2017 XXXX and XXXX XXXX XXXX process investigative process as follows : 1. i would submit dispute to credit bureau credit bureau sends a generic message stating item is being investigated 2. within 30 days creditor will make two separate updates on two accounts removing and adding on various derogatory remarks and/or info to lower score that went from mid XXXX ( fair ) on XXXX to lower XXXX ( poor )
Consumer complaint received 2018-01-19
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. (MO)

There are two accounts on my credit report by XXXX XXXX. I dont have ANY contract or transaction with this company nor have I authorized any transactions to be transferred to this company. The account information on both of these accounts does not show my COMPLETE and ACCURATE information as required by the FCRA. It does not show my social or date of birth therefore it ca n't be verified to be an account owned by me.
Consumer complaint received 2018-01-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) .Fraudulent Inquiries : 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 2018-01-19
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: Experian Information Solutions Inc. (TX)

This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I applied for a home loan pre-approval recently and the mortgage broker informed me that my Equifax score showed up as XXXX due to " Serious recent delinquencies ''. However, nothing was actually shown as delinquent on the report that the broker pulled, nor on my credit report. My Equifax report shows my FICO as XXXX with no delinquencies or pubic record. 

This is a serious issue because I ca n't contest this with Equifax unless a derogatory account is listed. My identity was stolen on X/XX/15 ( CFPB actually helped me resolve an issue with XXXX 's that arose from this identity theft ) and I filed the appropriate paperwork including a police report and place a fraud alert on all 3 reporting agencies. I also locked my credit to prevent further theft. Currently the only debts I have are a student loan ( XXXX/XXXX ), and two credit cards ( XXXX and XXXX XXXX ). All of my accounts are current and in good standing. 

I would like this resolved as quickly as possible, especially since I 'm looking to purchase a home within the year.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

I received a form letter from American Express today to inform me that the APR on my card is being increased to 16.49 effective X/XX/18. The reason listed was because my current APR is lower than average APRs on similar cards in the marketplace for consumers with similar credit profiles. 
The notice gave a number to call with questions, so I called American Express to ask why given my 17 year relationship, the fact that I have never been late and my credit profile ( as they referred to it ) has not changed in the past 12 months. 
The agent I spoke to said that I was unable to dispute the change, although she did acknowledge my tenure as a customer. 
Additionally I had to ask specifically for my current APR, which is 12.49 % to have American Express acknowledge that they are increasing my APR by 4 %. 
The notice I received in the mail did not list my current APR and demonstrate and adequate basis for a 4 % increase in my opinion. 
There appears to be an ineffective process at American Express for consumers to complain about changes at a personal level. 
I object to the increase and I am asking American express to acknowledge my tenure and performance as a customer as a reason NOT to increase my APR by 4 %. 
The letter provided is a " boiler plate '' FICO based decision as far as I can tell and there has been no change in my credit profile over the past 12 months. 
Moreover, I actually use American Express to monitor my credit profile and have done so for a number of years, so I know my credit profile has not changed.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, Capital one has a business credit card opened under my business ein number and my social security number. The address on this closed account is incorrect and they also have 2 inquiries in my report. I requested for them to provide me a letter of deletion for the 2 inquiries with the wrong address and the closed account so i can show the 3 bureaus. They refused. I have called them multiple times to get this corrected and they have ignored my requests to delete this incorrect information from my credit report. I also contacted XXXX XXXX and XXXX and the only one that deleted the closed account was XXXX. This incorrect information is hurting my credit score. i ask that under the FCRA rights that i have as a consumer they delete the 2 incorrect inquiries and delete the negative history of the closed account.