davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX placed a collection on my and my father 's credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports
Consumer complaint received 2022-08-02
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. (GA)

I reached out to all three ( 3 ) credit bureaus XXXX, XXXX and Equifax ragarding two ( 2 ) accounts reporting delinquent and derogatory on my credit file. The creditor is XXXX XXXX XXXX XXXX. I dont owe XXXX XXXXXXXX XXXX XXXX XXXX money I have a {$0.00} balance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative there XXXX XXXX promised me that both negative reporting account from XXXX XXXX XXXX XXXX would show an update to {$0.00} and they would request each credit bureau to remove both accounts from my credit file and it has not been done by XXXX, Equifax and XXXX. Each bureau is still showing I have a balance and I dont I paid both accounts off in full. I understand that each credit bureau is getting paid to report negative items which is unlawful. I want both of these items zeroed off and removed from all my credit file immediately. If accounts are not removed I will be contacting and attorney for XXXX XXXX XXXX XXXX and their negligence and each credit bureau.
Consumer complaint received 2022-08-02
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. (GA)

Account # XXXX has been reporting to my credit profile for the past several months and even has payments that I never made. The account was also closed but was reporting as current and up to date payments but again I never paid on this account because I was not aware of it. According to the Fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report.15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt No one can provide me proof of who the original creditor is, but they want me to pay it. I sent certified letters back in XXXX XXXX asking for proof and yet ; they still fail to provide the information. I am feeling harassed and beaten at this point because I have tried everything. Please help me figure out who this creditor is reporting this inaccurate information so I can have it removed. The bureaus are not doing a proper investigation with this account because no one knows who the original creditor is ; not the debt collector, not myself and not the bureaus. This sounds like ground for removal. They are mailing e constantly and calling from different numbers asking me to pay a debt I know I don't owe.

Debt collectors may not harass you or anyone else, over the phone or through any other form of contact.

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, Equifax, XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-04-08
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: MECHANICS BANK (CA)

Mechanics Bank XXXX XXXX has been furnishing inaccurate information to my consumer reports for years. I am convinced Mechanics is not going to follow the laws in which they are governed by. I have disputed the account multiple time and requested reinvestigations as it is my right pursuant to 15 USC 1681i. I have emailed called, emailed, and written Mechanics Bank XXXX XXXX about this erroneous claim. When I requested validation of this account, Mechanics sent me an installment contract with an alleged signature and a VIN number that was actually different than the VIN on other paperwork provided by Mechanics. This is alleging there are two different vehicles in one account. How could I be liable for this alleged debt when Mechanics hasn't even thoroughly examined their own documents? I as the consumer and natural person demand that this be removed from my consumer report. This is a bogus claim. Mechanics Bank XXXX XXXX 's reporting of this inaccurate information is damaging to my character. This must be removed.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (GA)

I have taken XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX on XXXX XXXX they checked my insurance and ask my out of pocket that was full amount of that service, as I was having deductible plan and that was not meet till that time so at the time of service on XX/XX/XXXX, I paid full amount of XXXX $ that was full fee of XXXX XXXX 

all of sudden I received one mail from RSI Enterprise to collect my debt of XXXX XXXX first I called XXXX XXXX XXXX XXXX to confirm if there is any outstanding as I paid full in advance, they confirmed there is no outstanding and same they confirmermed over the email. 
then I contacted to Debt Collector company via phone and explained the same, that time they assured me that they are going to work and close the same. 
second time also I got one, mail from them and did the same. 
that time XXXX XXXX XXXX XXXX also confirmed that they will make sure to send required docs to Debt collector agency so that I wont get any such collection mails in future. 

now third time again I got the same letter from RSI Enterprise for the same amount.

That executive was not ready to listen to me and blaming me that I am having this debt to pay. again and again I was explaining to her that I already talked to XXXX XXXX XXXX XXXX and there is no due, even if there was a outstanding balance the should reach out to me rather a debt collection company directly but that executive was not ready to listen me. 
then I took XXXX XXXX XXXX XXXX and RSI over the conference bridge and XXXX XXXX XXXX XXXX billing department explained that there is no due on XXXX XXXX, and she will send this to his manager so that we can send close letter to RSI I am really very frustrated and disappointed due to such irresponsible behaviour of this DEBT collection company and want to take some action against them, Please refer attached email that have attached receipt and confirmation of no dues from XXXX XXXX XXXX XXXX that I send to RSI on XX/XX/XXXX ( Second time )
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (KS)

I held a credit card with BBVA Compass Bank before they were acquired by PNC. I regularly paid my bills via automatic debit. Not long after PNC acquired BBVA, my credit monitoring service alerted me that my account had been closed, but monthly payments continued to come out of my account. I called multiple times and spoke with several people to have the issue resolved, because I was still paying but my credit had dropped sharply due to my account being closed without notice. By the time someone got back to me without hanging up, I had left my job for a XXXX XXXX and was no longer earning an income. I spoke to an agent who informed me that due to my new financial position, I could pay no interest for a year and after a year, my interest payment would be lowered from 29 % to 4 %. I was told that someone else would reach out to me once everything was set up. I also authorized PNC to continue to debit my account for the monthly payments with the newly lowered interest. Not only did I never hear back from anyone, PNC reported my account as a charge-off. Because of this, I was denied the XXXX XXXX XXXX that I received last year and am having extreme hardship financing my education. I understand that many business are short staffed during this time, however as a young XXXX XXXX XXXX I feel as if my account was purposefully closed because it wasn't as valuable to PNC and this has put me in a difficult position, and this very negative mark on my credit will affect me later on
Consumer complaint received 2022-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NY)

I have a fully satisfied loan from Affirm, satisfied XX/XX/XXXX. In XXXX of XXXX the company that was the retail partner I made my purchase with issued me a refund of {$500.00}. XX/XX/XXXX Affirm noted my account that my refund would be issued within 21 days of confirming my mailing address as they were mailing me a paper check. XX/XX/XXXX I received acknowledgment they received my confirmation of address. On XX/XX/XXXX I was informed after a lengthy run around of a phone call, first that my check would arrive " in 2 days, don't worry! '' they said. I demanded to know the date the check was issued, nobody could provide this to me. I demanded to have my case elevated to find out the date this refund check was issued to me, and later received an email message telling me one has not been issued. They are too busy they said. They owed me a refund of {$500.00} within 21 days and we are well past that now, and I have no idea when this company is going to return my refund from the merchant. Now I am told they need to have 16 days to do a search, plus 21 more days to issue it and I do not believe one word. A search of what? They never issued anything.
Consumer complaint received 2021-03-25
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. (SC)

I am looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the accounts!
Consumer complaint received 2022-04-08
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX XXXX  Account number XXXX, XXXX  account number XXXX, XXXX  account number XXXX, XXXX  Account # XXXX, XXXX  Account Number 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 2019-12-07
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX XXXX XXXX ''!
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Financial Credit Services, Inc. (SC)

I received a letter dated XX/XX/2018 from American Financial Credit Services , Inc. that was addressed to a " XXXXXXXX XXXX XXXX '' but was mailed to my home address. I have no connection whatsoever to XXXX XXXX XXXX. I have no idea who is linked to this XXXX or what the debt is. Clearly, they have confused me with someone else. 

This company threatened tax liens with the SC Dept. of Revenue against me in the amount of {$10000.00} But this debt isn't mine.
Consumer complaint received 2022-04-08
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. (IL)

I have previously sent a notice about an unverified bankruptcy that is reporting to my consumer report. This item MUST be verified with the " original creditor '' or so called furnisher. EQUIFAX claimed to verify the information but I have a letter from the courts stating they DO NOT verify with any consumer reporting agencies any information. Thus XXXX has willingly and knowingly reported unverified information defaming my credit standing and character hindering me from obtaining credit to sustain my living.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-07-11
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. (TX)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Remitly, Inc. (CA)

On XX/XX/2021, I received an email from a Merchant ( Remitly ) that there is a transaction in my account with them. My ( XXXX XXXX XXXX ) debit card was stored in there that is why i opened my online banking right away and noticed 3 transaction pending. I called my bank right away to notify them of the event and they were able to cancel 3 transaction which i did not authorize. I have attached here proof that i called them on that same time transaction happened. I also called the merchant ( Remitly ) and they were aware. Remitly costumer service or XXXX from their costumer protection team confirmed that the transaction was an unauthorized transaction by me.He told me that bank will return my money and that bank will charge Remitly fort he refund, so it is going to be between them. On XX/XX/2021 i received an email from XXXX  XXXX XXXX that they are unable to pay my claim coz of the reasons they have. I will also attached the note received from them. I called their costumer service on that same day, they re open the case and escalated the case. I asked them if they can update me as soon as possible and costumer service from XXXX  XXXX XXXX call again in 3 days. On XX/XX/2021, I called costumer service of Remitly ( XXXX ) and 3 way conversation with agent in XXXX  XXXX XXXX ( XXXX ). We had a very long conversation including remitly providing their email address so that the bank can contact them for anything they need for the case and XXXX verbally mentioned to XXXX that the Transaction was not authorized by me and that bank should initiate a conversation coz bank can not provide any email or update that they contacted the bank before denying my claim.XXXX  also mentioned that if possible Bank can CC me on anyemail but I have'nt received any email. On XX/XX/2021 I received an email from XXXX XXXX XXXX that they were still unable to pay. Called costumer service of XXXX on XX/XX/2021 and ask them if they were able to send any message to remitly but they can not give me information. and that they will re open the case again. I believed my case was not properly address. I have a proof that I contacted them same time i noticed the hacking and reported to them. I also visited the XXXX XXXX XXXX branch for help but instead they told me that " Thats why you do not use such remittances '' and that they can not help me bacause their research team can only be contacted trough phone call. Bank response to my claim says also that they did not receive the information they requested from me or it was incomplete but they never contacted me or initiate any communication with me. Please help me with my case. Thank you
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

Last year I received a letter in the mail from an auto loan company saying I owe XXXX dollars for a car I never owned. I logged into my credit report & saw multiple collections for a accounts I've never opened. I called the police & told them I've been a victim of identity theft. Recently reviewing my report I have noticed new a XXXX  account collection report on my credit. I've never had XXXX service. I'm positive this is a new account from identity theft that is just now reporting. I have frozen my credit & contacted the bureaus.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CO)

I moved out of an apartment and in less than a month I had an XXXX bill on my credit for last charges. I called XXXX XXXX and paid the account off in full. They said it would take up to 90 days for it to come off my credit. It has now been 7 months and I have repeatedly called and asked them to remove the account from my credit and report it paid in full. They just keep telling me to wait another month. I now can't even talk to a person, I just get shoved into a voice-mail with no call back..