davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Experian fails to report correctly the XXXX account. Experian reports incorrectly that this account is considered negative. EXPERIAN reports incorrectly late payments. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2021-07-15
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)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (AZ)

I have a collection on my credit report from a company AWA Collections XXXX XXXX XXXX stating I owe {$520.00} and the account was opened XXXX XXXX, 2012. I have never had a credit relationship with XXXX XXXX. I have never signed or opened a credit card with XXXX XXXX. I have asked the company to send something showing me that I have a signed note with the company however they have not done anything other than leaving the information of a debt with the credit reporting companies. I have disputed this claim multiple times to no resolve. I have called the company as well and they tell me that I need to contact XXXX XXXX which I have tried no answers. AWA Collections XXXX. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. This is not accurate information to the best of my knowledge and is hurting my credit profile.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Council Corp (FL)

On XX/XX/18, I received a letter in the mail stating that this firm had been notified that my credit score had dropped between 450-600. They stated they could fix this. They stated bad credit could prevent me from doing certain things like buying a home or my next job.
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. (CA)

I am writing to formally request that the following accounts be blocked and permanently removed from my credit report due to my status as a victim of identity theft. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information blocked from my credit report, and I request the removal of these items without delay. 
The fraudulent accounts I am disputing are as follows : 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 2017-08-17
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. (FL)

Experian credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX- 2016 XXXX XXXX XXXX XXXX-2016
Consumer complaint received 2017-08-17
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. (CA)

I submitted an online dispute with Equifax in XX/XX/XXXX in regards to late payments being reported on my student loans, which are currently being serviced by XXXX. My student loans have never been late and I submitted documentation showing my loans were in forbearance and/or a revised pay as you earn plan ( {$0.00} a month ). I have listed 6 of the 12 loans ( due to not wanting to confuse anyone ) which are being reported inaccurately. All 12 loans have the same issue and I can upload more documents if need be. The accounts are listed in the same order as they appear on my credit report. 1. Original Loan Amount {$3500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 2. Original Loan Amount {$2700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from (XX/XX/XXXXXXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 3. Original Loan Amount {$1700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 4. Original Loan Amount {$1400.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 5. Original Loan Amount {$5500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 6. Original Loan Amount {$5000.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

this debt, original creditor capital one account XXXX was settled in full with a partial payment with the original creditor capital one, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to XXXX  XXXX XXXX who has all the pertinent information but illegally leaves the trsdeline on my credit reports
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

this debt, original creditor XXXX XXXX account XXXX was settled in full with a partial payment with the original creditor XXXX XXXX, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to portfolio recovery associates who has all the pertinent information but illegally leaves the trsdeline on my credit reports
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

XXXX/XXXX/XXXX Amsher collections said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company XXXX the amount is XXXX
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Re : PORTFOLIO RECOVERY ASSOCIATES and Multiple Disputed Accounts. To Whom it May Concern, I have disputed all of these accounts with Portfolio Recovery Associates in writing on multiple occasions, asking you to provide me with any contract between us, containing my signature, thereby proving that these are indeed my accounts, and that I have any contractual obligation to you. You have continued to reply to me with unrelated paperwork, and have failed to do this repeatedly. Your company also did not reply in a timely manner with the exact information that I have requested in multiple certified letters that I have sent, which you signed for, on XXXX  and XX/XX/17. By not replying in a timely manner to my correspondence, and failing to provide what I have requested of you for validation, not verification, you have not only violated federal and state laws, but you are continuing to report these alleged accounts inaccurately and causing me undue financial hardship. These inaccurate, unvalidated, unverified accounts that you continue to report to my credit files are causing me ongoing financial and emotional distress. They should have all been deleted long ago. Should you continue to choose to report this inaccurate data to my harm, and choose not to delete these accounts right away from all Credit Bureaus and third-party data providers, I will certainly file small claims actions against your firm for the maximum remedy provided to me by law. I have indicated this intention in correspondence with each of the Credit Bureaus as well. I am keeping detailed records of all correspondence with your firm, and the bureaus, which fully supports my position. And I will utilize it to file said claims should your continued negligence and inaccurate reporting make it a necessity. In addition, any court judgment upon which Portfolio Recovery may be claiming to rely upon to defend their position will certainly be challenged by me in court as Void on Its Face, lacking subject matter jurisdiction. I was unable to attend any hearings in order to defend myself, and case law which I have researched will support that any said judgment ( s ) are in fact void, based entirely upon third-party hearsay, no proof on record of a contractual obligation directly between myself and XXXX XXXX, and are supported primarily by unchallenged affidavits of fact which were provided to the court in my absence. By way of example of relevant case law, I offer the following : Default judgment must be proved by evidence entered on the record through a competent witness. See XXXX XXXX XXXX vXXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). Statements of counsel in brief or in argument ARE NOT FACTS BEFORE THE COURT AND ARE THEREFORE INSUFFICIENT FOR THE COURTS SUMMARY CONCLUSION, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on XXXX. I have had a issue with id theft and these are just not my accounts
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

I got an alert from my credit bureaus that a debt was reported. I have no ideal what this debt is for and I Never receiving anything in writing system that I owe this debt with this collection agency. My FCRA rights have been Violated as, 1- I never received any Notice in Written from this company about this debt.
2- I was never given an opportunity to dispute this debt.
3- This has reporting to the credit bureaus and it is in accurate.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (IN)

They do not answer when you call and this game of phn tag gone on too long. Asked for phn appt and being denied by this XXXX a mgr at above number. They will not reverse charges on a fraudulent merchant I dealt with an atty who was hired to do a job and he failed to do it and I had to hire another atty and just did yesterday. Need original atty charges charged back to 1st atty so can pay new atty to do the work that 1st atty admitted needed done but he failed to do it in 2 mths of charges. I gave him enuf time to do the work and all work now is getting redone..Need to dispute original {$5000.00} CHARGE AND 2ND CHARGE OF {$6600.00} ... ALL IS GETTING REDONE BY ATTY XXXX XXXX CHARGED YESTERDAY ON THIS CARD.YOU MAY CONTACT THEM TO SEE ITS REDOING WORK ON A CHILD CUSTODY CASE.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I apply for capitalone credit card I was approved then when I get it and when I activated it say it 's frodglent it happen twice ... and when it to type my last 4 digit of my ssn it say it not that wright number
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


INQUIRIES : XXXX XXXX XXXX XX/XX/year> I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

I think these calls are from Synchrony Bank.  They just took over PayPal.  I called them and explained that I had just gotten a new job and would catch up my payments as soon as humanly possible.   I'm not sure if the rep understood as their English was XXXX XXXX.I did make a XXXX dollar payment XX/XX/2019So far today alone they have called 5 times.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I recently opened an account with your company which is now closed. I like many of your other customers are independent contractors. I was given the opportunity to apply for the government 's aid PPP. However I was using a mobile bank and I was required to have a bank on the lenders list so I picked you all. After receiving my funding into the account the account was closed. I was told by my lender and the SBA that independent contractors did not need a business account to apply for the loan. When I speak to your customer service reps they wont tell me whats going on. I am a XXXX and XXXX driver. This pandemic has been hard on me since its so dangerous to drive others around without risking XXXX. The SBA PPP was saving myself and my family. 

The amount in question is {$16000.00}
Consumer complaint received 2017-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. 

I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract.

Hoping for your assistance on this matter.

Thank you