davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (AZ)

I currently have a collection account on my credit report from XXXX XXXX for a XXXX account. My current XXXX account is active and has been since XXXX. I reached out to XXXX to confirm this reported collection account existed and they stated they have no record of the account or any collection attempt matching my ssn # in the past years that I have been a customer. They also confirmed that I have no past due balances and my account has stayed active. I then reached out to the reporting credit agency, XXXX XXXX, to request removal of this account from my credit report, but they also could not access the account in question and all they could do was confirm there was an account with a {$0.00} balance. XXXX XXXX stated that they withdrew ownership of that account so no action can be taken on their end at this point. I filed a dispute with Equifax about this account and after 30 days they stated that all the information reported was accurate based on their investigation. The attached dispute results also added that the account was paid XX/XX/XXXX, and I have no idea about that payment or where it came from or why. I would like to know why we are getting drastically different results in our investigation since I spoke with both XXXX and XXXX XXXX and neither have access to any active account belonging to me in order to assist with anything and no historical details. I called Equifax support for assistance and they stated that there is nothing they can do as their investigation came back as accurate and only the reporting credit agency can request removal of the account anyway, which means there was never any benefit to filing a dispute with Equifax since they allow whatever the credit agency says to be what is reported. I am not sure why there is no ownership for the account and why it is so difficult to request removal of it when there was never a past due balance to begin with and my XXXX account is still open and active?
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (MD)

New alerts from Experian. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

I have been paying Comenity Bank regular payments monthly which have significantly reduced my loan amount. However in XXXX they stopped reporting to credit bureaus. When I attempted to reach out to them, they told me they did not plan on updating any information at this time and did not provide any resolution to ever report to credit bureaus again.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I refinanced my property to pay my credit cards. On XX/XX/2022 a check was mailed by the title company to XXXX XXXX credit card in the amount of {$790.00}. The check was cashed but never applied to my account and I was told that they were in the process of transitioning over to a new bank and that the new bank XXXX was the one that received my payment however my account stayed with the old bank Synchrony and they never received the payment. I have called Synchrony for their help and they told me that I need to call XXXX. XXXX will not talk to me because they do not have me in their system. Synchrony has asked that the title company dispute the check but the title company told me that they are not able to do so because the check was cashed. I feel very frustrated because I want to get this money applied to my account but it seems that no one will help me.
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. (TX)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (TX)

XX/XX/XXXX I accepted a {$400.00} loan with the expectation to make $ 135 monthly payments. First payment I missed and called one day after its due date to request to make a payment in 3 days, on my pay day. Instead they offered to defer the payment for a month in exchange for XXXX XXXX monthly payments, and the extra amount would cover any accrued interest. Which at the time, sounded fair. After making 5 monthly {$170.00} payments, I Called to see if it were possible to lower my monthly amount. Again, I was offered something I didn't ask for ... .now bi weekly {$93.00} payments. I regrettably agreed to this amount, because {$170.00} is a huge chunk all at once ... ..and that's where the REAL trouble began. I recieved a reminder email for my upcoming payment on XX/XX/XXXX. My principal ( AFTER ALREADY PAYING {$700.00} ) was {$410.00}. I went to pay loan in full and on their web account, it says I owed {$550.00} still! I emailed several times, made phone calls, nobody can answer where my {$700.00} payments went!!!!!! They are stealing my money. The only response from " XXXX '' even remotely touching the subject was as generic and unhelpful as these auto responses on this page. She tried to make it sound as if I extended my loan, but evem then I asked her how I would ever pay off my loan if every month my principal amount JUMPED by {$150.00} without ever even missing a payment? Literally impossible to ever pay off and it makes XXXX sense. 

I am doing everything I can to at the very least, be treated fairly. XXXX also presumed to highlight because they're tribal, they do not hold the same laws. But I do not believe that is any sort of immunity for all.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX Credit Agency Alert External party, unauthorized deleted an address on my credit reported. 

Former phone number and address alerts in use ; dark web alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Screenshots attached 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 2022-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation (KY)

I am receiving repeated calls from the debt collection company " Indebted ''. I have instructed them NOT to contact, nor attempt to contact me by phone regarding any alleged debt. I instructed them to contact me by US Mail. 

I notified them : - Once via their website message contact page. 

- A second time ( XX/XX/2022 ) by email to their contact email address, after calls continued - A third time ( XX/XX/2022 ) to their email address insisting on cease and desist phone contact, notifying them I would contact the CFPB if contact continued. 

Today, XX/XX/2022, I received yet another attempted phone contact from Indebted with a spoofed Caller ID label, " XXXX XXXX ''. The phone number is a corporate number for XXXX. This company continues to violate the Fair Debt Collection Practices Act despite notifications to cease phone contact.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022 I received a call from a representative of Fifth Third Bank by the name of XXXX XXXX He informed me that my account will be terminated in the next 35 days. I asked why is this happening? And he stated that my account is a " high risk '', and that's the reason behind the cancellation of my account. I asked XXXX if he could be more specific on why my account is being cancelled and he stated " No, that's all that I can let you know ''. I am unable to view my online profile as well as make purchases with my debit card because my card has been blocked. Please help me get detailed reasoning and information on why my account has been cancelled. Thank you!
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Imake a XXXX ' $ dollar payment to my car but the balance still the same Hyundai say he receipt the payment but the money never applied to my account my contract show is for 72 month I have my car for 3 months now the company say is only XXXX payment to finish my contract but the balance still the same
Consumer complaint received 2022-02-15
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. (TN)

On XX/XX/XXXX I noticed some unauthorized inquires on my EQUIFAX consumer report. 

On XX/XX/XXXX I informed EQUIFAX of the unauthorized use ( 15 USC 1602p ) on my report, I required EQUIFAX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that EQUIFAX are willingly and knowingly reporting false information on my consumer report. 

I required EQUIFAX to delete these items from my consumer report immediately, they are harmful and detrimental to my personal living mode as well as to my family. 

To Date XX/XX/XXXX, EQUIFAX has yet to respond to the letter sent through the mail. 

I demand EQUIFAX to delete the unauthorized, unverifiable and unconfirmed inquires on my consumer report. Refusing to delete these unauthorized inquires without proof of authorized use will be a liability of willful noncompliance. pursuant to section 616 ( a ) ( 1 ) ( A ) ( B ) of the Fair Credit Reporting Act. I demand that EQUIFAX delete these inquiries from my consumer report or I shall seek for monetary relief due to the harm and stress due to this false information EQUIFAX is reporting on my consumer report. 

XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I require you to delete these unauthorized inquires and update my consumer report, and send me an updated report.
Consumer complaint received 2021-04-07
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: Santander Consumer USA Holdings Inc. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC. (CA)

This is a complaint against Axos Bank. I strongly feel that I have been XXXX  and harassed, and treated unfairly by this bank. On or about XX/XX/2021 I opened my account and was constantly having issues with their Customer Service representatives who do not conduct business in ethical/respectful manner. The CSR told me he is working from home and had made fools of customers in his last Insurance job, and asking me personal questions, passed remarks which made me very uncomfortable. I requested to speak with the Supervisor. After weeks of waiting I got a random call from Axos Bank, the person named " XXXX  '' called and I told him about the interaction I had with his agent, he basically laughed and joked about it. I asked to speak with his Manager and he refused. 
On XX/XX/2021, I called Axos Bank inquiring about a check. The CSR who answered the phone seemed very agitated and angry. She said why I was calling, I asked her when is this check going to clear and be available in the Balance, She responded, I forgot to verify you even though I came verified over the automated system. After verification, she said which transaction declined from merchant. I reminded her politely that this is not the reason I was calling, but rather is about a check clearance. She immediately got very upset and start raising her voice. I requested to speak to her Sup, she refused. Call ended. 
After 5 minutes I got an email from Axos Bank that they are CLOSING MY ACCOUNT. I feel this is a retaliation and I was just been honest and transparent in letting the CSR know the reason of my call. This is such a dishonest, unethical and unprofessional way of conducting business.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, my name is XXXX XXXX. On XX/XX/2022, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account, I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (MI)

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

They are refusing to stop pay on homeowners insurance, the insurance company sent back check weeks ago and they can't seem to locate nor will they stop payment and refund the escrow. They are forcing me to pay 2 insurance for an error they made when I told them not to pay.
Consumer complaint received 2021-04-02
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)

There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of MRS BPO , LLC. 

I received the attached collection letter on XX/XX/XXXX, from this, MRS BPO , LLC, claiming that they are collecting on an alleged debt that they are claiming to have acquired from XXXX XXXX XXXX XXXX. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to MRS BPO , LLC, that I dont owe them, nor do I owe XXXX XXXX XXXX XXXX this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying XXXX XXXX for, years ago, and I could never get adequate nor accurate answers. 

In XXXX I did have a XXXX XXXX credit card account, and I feel that XXXX XXXX deceived me with the rates, and charges that were being charged onto the account. 
Years ago I had contacted XXXX XXXX many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to XXXX XXXX for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency MRS BPO LLC, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want MRS BPO , LLC to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that XXXX XXXX XXXX XXXX do the same. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, XXXX XXXX has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.
Consumer complaint received 2022-10-24
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. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX  continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and Experian customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # XXXX