davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (IN)

Lvnv funding keeps threatening me claiming my debt is with them solely. They have bought my debt i have no signed any papers with lvnv claiming this debt they refuse to remove debt i don't owe them and they keep threatening to have me sued and jailed over debt
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Kikoff Inc. (TN)

I have had continuous problems with transactions being processed and payments not going through unless the charge is fraudulent. I have tried challenging the fraudulent charges but they are still pending and according to my bank they can not stop payment. I have also had continuous problems with only some of my transactions showing in my transaction history, both on my account and, according to my bank, their system. This has caused me to have to pay late fees and/or return payment fees. Kikoff refuses to investigate as to why these transctions are not showing. 

This leads to the reason for this complaint. On XX/XX/year> I paid {$30.00} to XXXX to pay for my internet. This payment shows on my XXXX account but not on my bank transaction history nor, according to my bank, in their system. ( Attached is proof of transaction ) On XX/XX/year> I was charged a return payment fee for this transaction due to, according to XXXX, was refused by my bank even though I had enough money to cover the transaction. To this day my bank swears that this transaction never happend and has repeatedly refused to submit a ticket for investigation even though I have been promised 4 times they would. This reusal to pay a bill has cost me a {$30.00} return payment fee which I paid on XX/XX/year>. 

On XX/XX/year> I made my first payment for {$120.00} to my loan provider and, just like as the issue above, there is nothing showing this transaction in my history nor my bank 's system according to my bank. Again, they have refused to investigate. In 8 days I will be late on my loan which will damage my credit and standing with my loan provider and cost me a late fee of unknown amount. 

On XX/XX/year> I was charged by XXXX for services that was canceled weeks ago. Another fraudulent charge was made to my account the following day by XXXX XXXX  for XXXX. I challenged both transactions but I was told that I would have to wait for them to be processed because they do not do stop payments. Both companies refuse a refund. 

I have overdraft protection which allows me to overdraft my account up to {$170.00}. On XX/XX/year> and again on the XXXX I received an email from my loan provider that my payment could not be processed due to insufficient funds. I had {$68.00} in my account so there is no reason for denial. Kikoff claims this does not show on their end and it does not show in my history, Kikoff claims denied transactions will show but it does not. 

The XXXX transactions, XXXX and XXXX, went through after the denial of my loan payment causing a negative balance. Kikoff claims that the reason for my loan payment being denied was that I reached the weekly overdraft limit, yet the XXXX fraudulent charges were made AFTER my laon payment.
Consumer complaint received 2024-11-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (GA)

XXXX XXXX XXXX XXXX bought a loan account from XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 
It is stated on XXXX XXXX 's website, that they will default a loan 90 days after last payment. 

The partial promissory note that they attached to the filing against me is dated XX/XX/XXXX meaning the debt is over 7-8 years old. In Georgia promissory notes expire after 4 years, in rare occasions 6 years. In my case they only provided a promissory note and other documents that have been heavily redacted, specifically dates in the documents. I have made Credit Corp Solutions Lawyers aware that the Statute of limitation has passed due to it being over 8 years. Instead, they have filed two separate lawsuits using to different law firms within 5 months of each other. I have asked for the original, unredacted documents in both of my responses but they will not comply. After filing both lawsuits for the same exact thing, they continuously called my phone and sent mail to my parents ' house, after being told to stop. I have asked them to validate the loan multiple times. Each time I would not hear anything back. They have altered paperwork, because both filings are for the same thing, but different paperwork was presented, with altered names. After reading through the clause, they have to go through arbitration before any action. The last notice I got from a lawyer representing Credit Corp Soultion Inc stated that she would make all information available before the start of the trial. I am so tired of being harassed with " XXXX XXXX XXXX' tactics in an attempt to wear me down. Filing the same thing twice in court is an abuse of power. The way they call, mail, file multiple times with the court and have the sheriff come by to serve me every couple of months is enough to make a XXXX XXXX XXXX They are well aware that this account they purchased in XXXX has default date 90 days after the last payment which is over the time allowed by Georgia or Florida to file. This is just harassment at this point.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
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. (AZ)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-10-12
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. (CO)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically related to its failure to correct inaccurate information on my credit report. 

Background : On XX/XX/year>, I discovered that XXXX was continuing to inaccurately report information to the credit bureaus. I promptly disputed the errors with XXXX, and after review, they acknowledged the mistake. XXXX assured me that the incorrect information would be removed and that they would cease reporting the erroneous details within 10 days of our communication. However, despite this assurance, the inaccurate information remains on my credit report to this day. 

I have filed multiple disputes with both XXXX and the credit bureaus, and each time, XXXX affirmed that there were errors in the information they were reporting. However, they have consistently failed to take the necessary corrective actions to remove the inaccurate information from my credit report. This failure to correct the erroneous information, despite multiple requests and their own acknowledgment of the error, constitutes a willful violation of the FCRA. 

Violation of FCRA : XXXX refusal to correct the acknowledged errors violates Section 623 of the FCRA, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. Additionally, their failure to resolve the issue after affirming the errors multiple times and promising to cease reporting the inaccurate information within the promised timeframe falls under Section 616 of the FCRA, which addresses civil liability for willful noncompliance. 

Due to XXXX willful noncompliance, I have suffered significant damage to my credit score, which has caused me personal and financial harm, including denial of credit and increased interest rates on financial products.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Bureau of Med Economics. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2024-10-12
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-11-07
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: EQUIFAX, INC. (GA)

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

My credit report is saying my auto loan is hurting my credit score and I have already took care of the balance. I need it taken off. The amount is XXXX dollars. 

Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My credit card ( s ) were written as charge-offs on my credit report. However, I did not receive a 1099-C from the companies and if Im not mistaken once it was indicated as a charge off I was supposed to receive a 1099-C. Since they took a tax break, but the company is still reporting that I owe them money on my credit report, but they wrote it off as profit loss ( charge-off )
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MI)

I called to find out why an update regarding the account 's payoff had not been done and was told it would take up to 3 months. In the meantime, my credit score is decreasing, and late payments are showing due to the mortgage company 's lack of action.

I have also included below copies of 1. The payoff letter from the mortgage company and 2. The bank wire transfer payment order receipt.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-12
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. (PA)

Account : XXXX XXXX XXXX XXXX. Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Thank you
Consumer complaint received 2024-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a safety deposit box at truist bank at XXXX prosperity XXXX XXXX XXXX XXXX XXXX Florida XXXX, on XX/XX/XXXX, of 2023. I deposited titles and proofs of ownership to the equipment i own into the box. I have since lost the keys they provided me to gain entry to the box. I've called them dozens of times, in an attempt to regain the contents of my box, with no cooperation. I've escaladed my issue up the chain of command to corporate. XXXX XXXX XXXX assured me that she would take care of it. since then she has been radio silence. refusing to answer my calls or return my calls, despite numerous voicemails I've left to her personal office line. I've even emailed mr XXXX XXXX ( chief XXXX XXXX ) with my concerns. no response from him either. I've tried hiring lawyers. none of them will take the case. I'm at a stalemate.
Consumer complaint received 2018-11-08
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. (MO)

My identity has been compromised and I'm trying to get it back. I have discovered and disputed accounts inwhich I have absolutely any knowledge of whatsoever. I'm requesting that the following accounts be removed/ blocked from my credit report. The accounts are XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX. Two of the three credit reporting agencies has honored my request. And hopefully the 3rd one do as well.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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