davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, & Experian NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it XXXX concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXX court system XXXX XXXXXXXX XXXX XXXX  XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX  {$530.00} acct # XXXX XXXX XXXX XXXX XXXX XXXX$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern, I am writing to file a formal complaint regarding XXXX XXXX XXXX, XXXXXXXX XXXX attempts to collect a debt associated with a XXXX XXXX XXXX credit card account that was fraudulently taken out in my name. This account was not opened by me but by someone else who stole my identity. The fraudulent activity has been reported to the Federal Trade Commission ( FTC ), and I have taken all necessary steps to document the identity theft and protect my credit.

Despite my efforts, XXXX XXXX XXXX, XXXX continues to pursue collection of this fraudulent debt, causing undue stress and further damaging my credit. Additionally, this account and related collection efforts continue to appear on my credit reports with Experian, XXXX, and XXXX, negatively impacting my credit score and financial well-being.

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to : 1. Ensure that XXXX XXXX XXXX, XXXX ceases all collection activities related to the fraudulent XXXX  XXXX XXXX card account immediately. 


2. Have the erroneous information regarding this account removed from my credit reports with all three credit bureaus.

3. Prevent any future attempts to collect this fraudulent debt, as I am not liable for it.

Please let me know if additional documentation is needed to support my complaint, such as the FTC identity theft report or correspondence regarding the fraudulent account. I look forward to your assistance in resolving this matter and restoring my credit to its accurate and rightful status.

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-10-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (FL)

I received a collection notice on my credit report. I open a dispute with Experian and they answered me it was a debt from XXXX XXXX. I contacted XXXX and spoke to a representative about the fact that I have never had any service from them. They could not help me resolve the problem. Now, I have a collection on my credit report that is not mine. I would like to make it clear that I have never signed any contract or even received services from them. I never got a call to try to collect the amount, or to ask me anything regarding the matter. They are charging me XXXX dollars for an account that is not even mine.
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Advantage Auto Sales, Inc. (IL)

Received a loan for a used vehicle at XXXX XXXX XXXX in XXXX, IL. Since XX/XX/2017, XXXX XXXX XXXX have been reporting incorrectly to the credit bureaus. Since XX/XX/2017 they have consistently been claiming my car payments are late each month, some even by 60 to 90 days. These are inconsistent to what is factual. I pay weekly and even pay extra each week. I have spoken to them on this matter and they keep telling me they will call me and I have yet to receive a call from their manager.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I moved to XXXX XXXX XXXX XXXX on XX/XX/2019. This was a Friday. Over the weekend I notice that there were roaches in the apartment. I emailed the office that following Monday morning, XX/XX/2019 to inform them of the roach problem. I explained that I was not comfortable paying $ XXXX/mth and have roaches and I was afraid to finish unpacking my things because I didn't want roaches in my belongings. There was also a leak from the utility area during that time as well. This caused my bedroom floor to be extremely soaked. I gave them the option to move me to another unit. However, they chose to send out pest control to spray and had maintenance to come take care of the leak and had a carpet cleaning company come suck up the water from my bedroom carpet. After pest control sprayed, I didn't see any roaches for maybe 4 days but they definitely returned. I contacted the office once again about the problem. They stated that it could be coming from my boxes that my things were packed in but that was definitely not the problem. I didn't have roaches prior to moving there. They were in the apartment. Due to the fact, that I paid {$1000.00} to move in, a {$200.00} application fee, and {$400.00} for movers, I did not have funds to move out immediately. I moved out on XXXX XXXX because the roaches were a big problem and management made no effort to accommodate my family. I sent a message to management via the resident portal to inform them of my move out. However, the portal doesn't give you a copy of what you submit and there is no record for you to go back to it. On XXXX XXXX, i received an email for a final bill of {$2700.00}. This is absolutely ridiculous. I was barely in the unit 30 days in which I still paid {$1000.00} upfront. I immediately responded to them about my disagreement and asked them to review the final statement. I reminded them again that the living conditions were not good. I didn't ask for any money back, which I should have. I just simply wanted to be moved from the roach problem. So now, I have a balance of {$2700.00} being reflected on my credit report that shouldn't be there. I wasn't in the unit long. I didn't unpack all of my things, and the apartment was not damaged. I am the one that cleaned the apartment because they didn't prior to my move in. The floor was super dirty.
Consumer complaint received 2018-09-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have a private student loan debt with company called Navient {$23000.00} ( currently in a default status ) .they refused to put me back on the rate reduction program which was affordable.right now they want me to put a down payment of $ XXXX.by the end of month.im not going to have that because I have other bills and I'm trying to avoid a lawsuit.the rep that I first spoke with in the navient recovery program wanted me to pay {$500.00} a month.with a down payment of $ XXXX.i told him I don't have. He went ahead and set up three monthly payments with my bank card..even though u told him that would be difficult to do.That.ive been in between different jobs during this caused me to miss payment s.this private student loan collect ion thing has been a nightmare for me.ive cried and begged Navient to put me back into rate reduction program where I was paying {$130.00} montly.im trying to avoid getting sued by Navient in the event they don't get that {$2000.00} dpymt.ive never in a million years wanted to go into a default status.i think they should acknowledge the fact that I was sending in money to them every month.towards this loan.im praying they don't see me and the national debt relief program could assist me.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (MI)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-22
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: EQUIFAX, INC. (CA)

I have submitted many disputes for Equifax to deleted my XXXX XXXX. I paid the original creditor and Im not liable for a collection account. I submitted proof of this. XXXX and XXXX deleted immediately. 

I contacted XXXX and after filing a complaint with CFPB with proof they responded that they would contact Equifax to delete the tradeline as it is an error. This response was on XX/XX/XXXX2019. 

I have called Equifax at least two time since this asking them to update my intonation and they have not. I contacted XXXX yesterday and was told the request to delete my tradeline was submitted on XX/XX/XXXX and should have been done now. 

On XX/XX/XXXX I received an email that Equifax closed my dispute and left the tradeline on my report. I have provided plenty of proof for why this needs to be deleted. The collection agency has told Equifax to delete but they still refuse. XXXX refusal isnt taking a major hit on credit score which is making it hard for me to get a home loan. What they are doing is not okay. This has been going on for months and it needs to be deleted immediately. If not done in 15 days I will recontact the attorney general as Im told there have been enough complaints sfo start a class action. Please delete immediately.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I HAVE MADE ALL PAYMENTS ON TIME AND THIS COMPANY LOWERED MY LINE OF CREDIT AND THEN CLOSED MY CARD WITHOUT NOTIFICATION. 
THIS CLOSURE IS CAUSING ME TO HAVE A BAD CREDIT SCORE AND CAUSING ME FINANCIAL DISTRESS. I CAN NOT GET A LOAN OR A MORTGAGE DUE THIS CLOSED ACCOUNT ON MY CREDIT REPORTS. THIS ACCOUNT WAS CLOSED IN GOOD STANDING WITH NO MONEY OWED. 
PLEASE REMOVE THIS CLOSED ACCOUNT FROM MY CREDIT REPORTS SO ME AND MY FAMILY CAN MOVE ON WITH OUR LIVES. THIS IS POSSIBLE AND CAN BE DONE IN GOOD FAITH. I WAS A GOOD CUSTOMER AND I PAID ALL MY BILLS. 
PLEASE REMOVE THIS OLD ACCOUNT FROM MY CREDIT REPORTS.
Consumer complaint received 2020-03-15
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. (CA)

I reviewed a recent copy of my credit report and noted an unauthorized inquiry. I have contacted XXXX XXXX and their fraud team completed an investigation and sent a letter to me, concluding that the application to XXXX XXXX was fraud, cancelling it. I have a letter attached from XXXX XXXX with the reference number. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. I have called Equifax multiple times and was told that all hard inquiries are legitimate and to file a dispute online. On XX/XX/XXXX, I filed a dispute with Equifax. However I was not allowed to attach any documents or a statement that would support my claim. After submitting my dispute, I was shortly given a response a few hours later denying my request to have the XXXX XXXX fraudulent inquiry removed. I called a few days later. Perhaps it was XX/XX/XXXX, only to be told by XXXX from a call center in the XXXX that hard inquiries are factual and could not be disputed. 

Per section 611 ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer I believe Equifax did not do a proper investigation ( on XX/XX/XXXX ) of the XXXX XXXX inquiry on XX/XX/XXXX. XXXX XXXX sent me a letter on XX/XX/XXXX, stating that the fraud team did an investigation and concluded that the XXXX XXXX application submitted on XX/XX/XXXX was in fact fraudulent. If an investigation was completed in less than a day, surely Equifax would have contacted XXXX XXXX to verify. 
Since there is no evidence that I initiated these requests, I request that this inquiry be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Equifax promptly delete the following item  from my credit report. 

The following inquiry was not authorized : 1. [ XXXX XXXX ] [ XX/XX/XXXX ]
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (FL)

At the beginning of XX/XX/XXXX, I went to purchase a vehicle and found out during the process that Choice Recovery reported an alleged outstanding debt of {$190.00} owed to XXXX XXXX XXXX   at XXXX XXXX XXXX, XXXX, FL XXXX for services rendered back in XX/XX/XXXX. 

I reached out to XXXX XXXX, who referred me over to their third party billing company. When speaking with that billing company they repeatedly tried taking the payment and never stated that this account was in collections or even read the FDCPA collection language. 

I then contacted Choice Recovery, who stated they sent multiple letters and made multiple phone calls. The address & phone number they had on file were obsolete as I had moved and had a new cell phone provider with a new number. They refused to remove the item from collections, but proceed to try and collect the alleged amount owed. They stated they verified the debt. However, I never received the chance to dispute this alleged debt before it was reported to the credit companies.Which is another FDCPA violation. 

To date, they have failed to provide me with the opportunity to start this process over and provide the required notices per the FDCPA. 

I am happy to discuss this matter futher.
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported an account on my credit report, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (HI)

I mistakenly purchased a XXXX timeshare with the contractual assurance signed by the sales person that I would get the full amount of my down payment. I found out in addition to the fact that the trade for other properties did not work as described, that the monies promised would not be forth coming. 
I was informed of this fact by both the internet postings and by the lawyer in XXXX that I emailed concerning this matter. 
Now I am being threatened to have my credit ruined by Monterey Financial in XXXX CA because the balance of {$9000.00} that is still owed on the timeshare has been reffered to them. 
I can share all of the details including documents with you if you like. I have sent these to the rep ( XXXX XXXX ) who is in contact with me. 
Any help you can offer to me or any communication you can make to them that this was a scam would be appreciated. 
Thanks, XXXX XXXX
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (FL)

Received a call from 1file.org claiming to help with loan consolidation for my student loan. I payed {$900.00} up front and {$39.00} a month for this service. I have not seen any consolidation information or loan forgiveness help. I am paying two separate amounts, {$39.00} to 1file.org and {$160.00} to XXXX. I am wondering if the 1file.org company is a scam and how I can stop the monthly payments.
Consumer complaint received 2018-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. 

They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. 

Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )
Consumer complaint received 2022-03-25
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)

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to Equifax Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-06-14
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2023-11-22
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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