davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

During my process, I set up a payment with XXXX XXXX and the agreement was to remove it from my credit report after I pay off the debt. I paid off the debt and next thing you know I have a judgement letter in my mailbox. The judgement has been requested to remove it off my credit report since they ( XXXX ) had proof that I had paid off the debt from the letters I sent.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-21
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)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-21
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)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6500.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-20
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. (MO)

After several attempts to remove the following unauthorized inquiries, I'm now requesting your companys Method Of Verification in response to the company 's verified response. What physical documentation did you verify the following accounts/inquiries that says their mines. Inwhom did you speak with and when. What method of communication taken place. I'm asking that you/ your company 's remove this inquiries or give me physical documentation to support your claims. The unauthorized inquiries are as following, ( 1 )  XXXX  Card ( XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 8 ) XXXX ( XX/XX/XXXX ) ( 9 ) XXXX XXXX (XX/XX/XXXX ) ( 10 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( 11 ) XXXX XXXX ( XX/XX/XXXX ) And the following account, I'm also seeking the Method Of Verification for, ( 1 ) XXXX XXXX XXXX, {$0.00}
Consumer complaint received 2019-07-13
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)

On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' XXXX XXXX regarding an account on my report which does not belong to me of {$470.00}. XXXX confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. Equifax continues to report the inaccurate information. I last disputed the account with Equifax on XX/XX/19 and received notice on XX/XX/19 that the account was verified. Equifax will not provide information of validity and I have not received documents for validation from Merchants ' XXXX XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 2019-02-19
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: Experian Information Solutions Inc. (UT)

I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.
Consumer complaint received 2018-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX with Kohl's/Cap One that she did not authorize. A formal dispute was provided to XXXX 's concerning these inquiries however Kohl 's has not responded to my client which is a violation of the FCRA.
Consumer complaint received 2019-02-20
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. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. Experian please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX and XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Second Round Limited Partnership, Austin, TX Branch (IL)

I have notified Second Round, LP that this is a conflict of interest. They have placed the debt to be collected by my previous employer named XXXX XXXX XXXX XXXX XXXX XXXX I worked with the company and prior to them merging I worked there for 5 years. I know most of the XXXX personally. My sister even works for the company. Now my friends know my personal information that I have a debt that I am being sued about. This has caused me both embarrassment in regards to my personal information. And, also when XXXX XXXX XXXX sent the process server to my property he trespassed and scared my children. He was screaming in the windows. My family had to call the police to come remove the process server from the property. When the process server presented himself he identified himself as a detective. Which is not true. I have contacted both the client Second Round, LP and XXXX XXXX  XXXX about the issues and neither has removed my account or transferred to another company.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I have paid {$500.00} toward my principal only payment to Ally finance and every time I make a payment they do not put it on principal only. I have contacted them by phone every time I have paid and told them this is for principal ONLY and they will not put it toward principal. They say they are and they do not. 

Payments made for principal XX/XX/2019 ... ... ... ... ... {$100.00} XX/XX/2019 ... ... ... ... ... {$150.00} XX/XX/2019 ... ... ... ... .... {$50.00} XX/XX/2019 ... ... ... ... .... {$200.00} I think they are taking advantage of an XXXX  woman.
Consumer complaint received 2019-07-13
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 HAVE DISPUTED THESE ACCOUNTS WITH THE BUREAU AND THEY REFUSE TO REMOVE IT FORM MY FILE AND THEY REFUSE TO PROVIDE ME WITH DOCUMENTATION THAT THIS IS MY ACCOUNT. i HAVE BEEN BACK AND FORTH WITH LETTERS TO THE BUREAU AND TO THE COMPANY AND THEY REFUSE TO CORPORATE WITHIN THE LEGAL RIGHT UNDER THE FCRA LAWS. THEY HAVE TO PROVIDE ME WITH DOCUMENTATION WITH MY SIGNATURE ON IT AND THEY HAVEN'T SO I WANT IT DELETED OFF MY CREDIT PROFILE IMMEDIATELY. I HAVE DISPUTED WITH THESE ACCOUNTS XXXX XXXX XXXX {$850.00} AND XXXX XXXX XXXX XXXX {$800.00} WITH NO LUCK.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NM)

XX/XX/XXXX through XX/XX/2019 XXXX XXXX XXXX has been calling my cell phone and home telephone numbers at least five times a day total. I am only a co-signer on the contract of a vehicle. The borrower said that arrangements has been made for a payment but they continue to call. The payment is due the XXXX of each month, the vehicle is not in collection or repo status it is only a few days past due and yet the collection dept. starts calling me the next day it is past due. Prior to the XXXX they send an email to my email address. Please I do not need to be called 5 to 6 times a day.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX sent a cell phone my address in a name similar to mine, but not mine. I did not order this phone. I took the phone to their corporate office in XXXX, Oregon. They would not accept. They insisted I file a police report. I tried to file report but police said I had no loss and couldnt file a report. XXXX was informed of this but would not take phone. Instead they hacked my credit report and listed {$1300.00} past due amount going to collections. I am not sure how they got my correct name, but it is different than the one on their account. They changed the name to match mine. I still have the unopened phone but can not get anyone at XXXX to fix this. They will not respond to my inquires. I did not order this phone. I have signed no contracts and never have done business with XXXX.
Consumer complaint received 2019-02-20
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: ECMC GROUP, INC. (CA)

XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to XXXX   which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd  like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AR)

XXXX XXXX  closed my account XX/XX/2017 and charged it off ... Ive reached out and they deleted the whole account off my XXXX but on XXXX and XXXX they report late every month since XX/XX/2017 on a charged off account ... that is very inaccurate.. and I would like it deleted from my report
Consumer complaint received 2019-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

I obtained possession of my car on XX/XX/19 I was told on XX/XX/19 that all I had to do was verify my phone number and the loan would be finalized so I called and did that then on XX/XX/19 I was told that the loan was not finalized and that other information needed to be submitted which I did submit then on XXXX I was told that there was a possibility that the car would be taken away and so I went and got a new car then on XX/XX/19 I was told this loan was finalized so I gave the other car back and managed not to have any negative reporting on my credit Ive been contacting the company Santander to have my loan re start to avoid my payments being reported late and it hasnt been possible
Consumer complaint received 2019-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/13 I was scammed by a PayPal seller. I used PayPal credit for my payment. I talked to PayPal and all they did was put up a dispute and I am very sure the scammer is not going to give back my money. I need my payment canceled. It's credit and not my personal money, so I feel there may be a way to solve this.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have called and spoke with all three Credit Bureaus Experian, XXXX, and XXXX about XXXX XXXX, XXXX  XXXX, XXXX XXXX and XXXX  credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX   was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that Experian, XXXX, and XXXX is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (FL)

I have applied to convert my Discover savings account into a joint account. I submitted my application and evidence showing that the joint account holder shares the same address as me. I have tried to reach Discover bank multiple times via phone to check on the status of the application. Every time, I get a promise that it will be done within two to three business days, but nothing gets done. This issue has caused many personal financial problems for me, and I have wasted a lot of time trying to get this done over the phone. I would appreciate this being resolved as soon as possible. 

Thank you.
Consumer complaint received 2019-02-20
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)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.