davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CA)

USCB America has called me multiple times per day from multiple 855 area code phone numbers. If I answer, I get a robocaller message. If I don't I get the same automated message with the only option to call some 800 number. I actively monitor my credit report and owe no debt that is in arrears. I would like this harrasment to stop.
Consumer complaint received 2024-09-03
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Consumer complaint received 2021-02-28
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. (NJ)

Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. acct # XXXX amount {$610.00}
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address XXXX this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed and a letter from an advocacy under the provisions of the fair credit reporting act ( FCRA ) 15 usc 1681 and the fair act debt collection practices act ( FDCPA ) 15 usc 1692 I am writing this letter to XXXX  account number XXXX balance in the amount of XXXX open XX/XX/year> I never had this debt collector for any debt, please provide proof from the original creditor that this debt collector that debt collector owns this debt and has the legal authority to collect it or delete this account has soon has possible
Consumer complaint received 2021-02-28
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: EQUIFAX, INC. (OH)

After pulling my credit report, I found inquires that were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OK)

XXXX is charging an additional {$130.00} after attendant per conversation credited amount for multiple months that were not billed with the promo. I have communicated this multiple times and now XXXX has sent this file to collections wrongfully which has decreased my overall credit score.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Santander Consumer USA Holdings Inc. (NC)

I have tried to resolve this problem with Santander/Chrysler Capital-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure Santander/Chrysler Capital intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX 's address as the same as XXXX XXXX 's address when this has never been XXXX XXXX 's known address. or has never been an address they had for XXXX XXXX on file, as you can see on page XXXX, they listed XXXX XXXX 's address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


XXXX XXXX XXXX  Balance : {$9200.00} XXXX XXXX XXXX Balance : {$780.00}
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (GA)

On XX/XX/XXXX I received a first credit card bill from XXXX XXXX Bank ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX  XXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( 15 numbers instead of 16 etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXX  but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to XXXX, XXXX in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called Halsted Financial Services XXXX XXXX IL ) they were collecting for aforesaid XXXX XXXX. Note : I never opened an account with XXXX XXXX ; I have never heard from XXXX XXXX directly, and have contacted Halsted with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, & Share This ( XX/XX/XXXX XXXX. BOTTOMLINE : XXXX XXXX XXXX  if now trying to collect for XXXX XXXX for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name XXXX Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within XXXX paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. Account number XXXX Please updated my name correctly to XXXX XXXX, XXXX XXXX XXXX is incorrect. PLEASE UPDATE CORRECT AS CURRENT XXXX  XXXX XX/XX/XXXX STATE I WAS XXXX  DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX STATE XXXX  DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated XXXX days and XXXX  XXXX  days and XXXX XXXX  days which is incorrect- can't be XXXX  days late each month please update ad current. XXXX XXXX stated XXXX  days late, while XXXX and XXXX are XXXX is incorrect please update correctly as current. XXXX XXXX stated XXXX  days and XXXX are each XXXX  days late and XXXX and XXXX are current - Please update correctly XXXX XXXX stated XXXX  days late - while XXXX and XXXX are current -please update correctly XXXX XXXX stated XXXX  days late and XX/XX/XXXX, and XXXX Need updated as current as stated XXXX  days which is incorrect. XXXX and XX/XX/XXXX stated XXXX  days late which is incorrect, I show paid on time.
Consumer complaint received 2021-02-27
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: ENCORE CAPITAL GROUP INC. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Yes my complaint is with synchrony home I purchase some furniture last year in XXXX for {$5000.00} not knowing that synchrony was the financial company so I received a statement from them the next month to start making payment an I have been faithfully making before the day an I pay way more than the minimum due and its almost been a year an my balance is {$4200.00} an every month I pay almost XXXX XXXX dollars an I call them an the clerk said that the interests rate is 29 % an {$110.00} goes towards the interest that makes only {$60.00} that goes toward my payment this has me where I have to may two payment a month an right I dont have my whole household just got over the XXXX XXXX  When I spoke to someone there about it she said that the interests rate is 29 % an we cant change it I responded back an ask if the interests rate are going down why isnt it here she said that we dont lower the interests rate I responded back and ask why were in a pandemic cant the company lower the interest rate this is so wrong this is how people can never pay off thing because all of their payment is going toward interest, how can I get the company to lower there interest rate after a year all I paid toward this bill is {$700.00} an over {$1000.00} dollar has gone to interest an they can just go up on the interest rate at any given time this is so not right to consumers if this was explained to me when I was purchasing it I would have never brought it, the salesman told me my payments would be only {$75.00} a month an when I got the first bill it was {$150.00} and I paid almost XXXX a month what can be done
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

I had an auto loan with XXXX XXXX account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information XXXX XXXX is reporting to the XXXX equifax and XXXX according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX equifax and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
.
Consumer complaint received 2021-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TN)

On XX/XX/XXXX I applied for and received a loan from a company called Mariner Finance. This particular branch is located at XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX ( XXXX ). As I understand it they are a subsidiary of XXXX XXXX. The purpose of the loan was to install a chain-link fence in my backyard to keep a dog Id recently rescued from escaping. I bought the fence from a company called XXXX XXXX XXXX. They are the ones that recommended Mariner Finance. I had trouble almost immediately with the finance company. I had originally authorized them to deduct a monthly payment from my checking account. What happened was they failed to deduct it by the due date and charged me a late charge. These charges occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After all of these late charges I decided it would be best to pay this loan off as quickly as possible. So I began making larger payments. According to the contract I borrowed {$2500.00} for a term of 30 months at a rate of 16.99 %. The finance charge was supposed to be {$600.00}. I began to monitor the details of this one online. What I discovered I was that they were charging different amounts for the interest each month. I calculate that Ive been charged {$760.00} so far. Id only had the loan for eleven months. My next payment isnt technically due until XX/XX/XXXX. Ill be interested to see how much interest the charge on the next payment Ive scheduled ( {$450.00} ). I hate to think how many others these people have done this to. I should also point out that Mariner has made false claims to the credit bureaus. That ended up dropping my score by 50 points.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.