davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

There is a FALSE collection amount on my credit few months ago, I have NO idea about this collection amount, NOT belong to me, I NEVER received any letter or notice about any collection amount from any companies. 
I filed a dispute at " XXXX '', they are thankfully immediately toke an action according the documents that I submitted and removed this false amount and solve this issue. 

Equifax they keeping asking me for additional documents, Immediately I provided to them, They dismisses the dispute by saying " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''!! then they asked me for documents to prove my exact Address, I submitted 4 documents proved my exact address. again the dismiss the dispute WITHOUT any reason.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Company stated my information was not specific, I sent additional Documents on XXXX, including Police Report, Affidavits, also notifying Equifax not to respond to me by email but company continues to do so. company sent letter stating they will not comply to CFPB guidelines.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXXXXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-20
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. (GA)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. 
According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX on XX/XX/XXXX, as well as the inquiries made by XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (GA)

Hello. To whom it may concern, i XXXX XXXX logged into my wayfair credit card account to sign up for payment arrangements in XXXX XXXX. With no knowledge that Wayfair as a company simply closes your account if youre ever behind & have to set up a payment arrangement i agreed to pay {$50.00} every so often. Not only did they close my account after i set up payment arrangements Wayfair reported to the credit bureaus that I the consumer closed my account which is false! They're telling me it was in the disclosure paperwork online. I never saw it say scheduling payment arrangements would close my account. im very furious as this is not fair to me as a consumer. I scheduled payment arrangements and was able to XXXX my balance before the ending of the scheduled payment agreement. ive never heard of any company closing your account because you have to set up payment arrangements. This exact information was shared with me by XXXX XXXX id # XXXX who refused to let me speak with anyone else to confirm what she had said or even to help me resolve this further. I the consumer never closed this account I only set up payment arrangements to pay off my XXXX balance. XXXX again expressed to me that its their policy to close the consumer account if payment arrangements are made. This is NOT FAIR. Also this should be BROADLY ADVERTISED that Wayfair doesnt offer payment plans to catch up on your balances, but only to take your money to pay off that current balance and then falsely report that the consumer themselves has closed the account.
Consumer complaint received 2023-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act the creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (OH)

I believe in XXXX  I opened a loan with Seedfi that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX Seedfi transferred these loans to a provider called XXXX. XXXX never had information about the savings account as it still shows locked with Seedfi. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today 10 days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes 22 days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a capitol One Savor card that applied a late fee of {$29.00}. The due date is the XXXX of each month. This month ( XXXX ) I made my payment as usual on the XXXX however I paid it at XXXX. Apparently there is a cut off time of XXXX. So on XX/XX/XXXX, the due date, at XX/XX/XXXX XXXX my payment was considered late and an additional charge of {$29.00} was imposed. This is unfair and I dont understand how it can be legal. I reached out to the card holder and no help was given. Ive never been delinquent nor carried any overdue balance and no consideration was made. 
Card companies should not be allowed to do this, what is the purpose? What difference does it make what time a payment is due, it was paid on the due date.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX 2009
Consumer complaint received 2023-03-20
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. (TX)

Experian has not removed or deleted inaccurate information reporting on my credit report. XXXX outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. XXXX continues to report inaccurate information and even though I have sent letters and called Experian, Experian will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since 2017.
Consumer complaint received 2016-03-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Acceptance Solutions Group, INC (MO)

Beware!!! Someone in the company will steal your account information and use your card! I have never given my account information over the phone to anyone. This is my first time ever! They asked me for XXXX different checking account routing and account numbers. Then they asked me for my debit card number, expiration, and code on back. Then they asked for my online payroll information ( name and password ) to set up payroll deductions for me. I thought it was strange that they asked for my debit card info as well as XXXX different checking accounts. I received the loan and exactly a week later, my card had been used in XXXX! I am in XXXX! I contacted the company and no one has returned my calls or emails. I blocked my debit card and changed my password to my payroll account. I also cancelled their payroll deduction in effort to get someone to call me. When you call them it goes directly to voicemail system no matter what time of day.
Consumer complaint received 2015-12-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments?
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (IN)

We had our mortgage thru BSI and they had contacted us and said that we could skip three payments on our mortgage to help us out. We were in the works of getting this taken care of speaking to XXXX at BSI when our mortgage got sold to XXXX in XXXX, we had a verbal contract with XXXX that we would not have to pay our Mortgage until XXXX of this year, when our mortgage got bought out he assured us that the new company would honor the same agreement. The problem is XXXX has had our mortgage for a month and a half now and are waiting on the paperwork from BSI and XXXX so they can hold up the agreement we had with BSI. I have emailed BSI askign them to send the information to XXXX but they are not responding to my emails so we are stuck in a hard spot at this point, on top of all of this they did not pay our property taxes for a year and a half so our hous is on the list to be sold for back taxes. Nice company would n't you say,
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Affiliated Group, Inc (NE)

Received a letter from Affilliated Credit Services dated XX/XX/XXXX stating that I owe {$160.00} with fees due a check written to XXXX XXXX. The letter states that the check was written on XX/XX/XXXX. 

I have not written a check nor been in a XXXX retail facility in at least XXXX years. 

Upon contacting ACS, I learned that the routing # for the check was that of XXXX XXXX Bank. I had an account at said bank at XXXX time but it has been closed for at least XXXX years. Further, the check # was XXXX digits long and any old checkbooks someone might have found would only have had checks with XXXX digits. 

Please advise me as to how to proceed. 

Thank you,
Consumer complaint received 2024-11-11
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. (SC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (TX)

There is an account reporting with RealTime resolution that I have been requesting payment history and proof this account is even mine. I sent them a certified letter that they received some time ago and the only thing they sent me was a letter stating they are researching the account and that was back on XX/XX/2016 no other information received.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NY)

I received Debt Collection Notice from EOS CCA stating that I had an outstanding balance with XXXX that they are seeking to collect on behalf of US ASSET MANAGEMENT XXXX. However, when I checked the license number on the letter with XXXX XXXX ( online ), it says that the license belonged to a differnt company and that it expired in XXXX 2017. Additionally, I contacted XXXX and my account is paid up to date - it 's on auto pay.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (NV)

I recently received a letter in the mail regarding a past due balance of {$100.00} from a collection agency, XXXX, as stated in the attached letter. On XX/XX/2016, I called Bank of the West and spoke with XXXX, a service banker located at XXXX XXXX, NV XXXX. Per XXXX, my account was closed in XX/XX/2016 and was re-opened on XX/XX/2016, by Bank of the West, due to an automatic bill pay service that attempted to withdraw funds. She stated this bill pay service was not paid by my account with Bank of the West but the re-opened account was charged an NSF fee. Bank of the West re-opened my account without my permission and/or notifying me and is charging me a monthly maintenance fee and NSF fee for an attempted payment. XXXX mentioned this is a common practice for a bank to re-open an account once it has been closed and will not drop the charges. I am still unaware as to how I can be held responsible for charges made on an account that should not exist.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX