davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX THE XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS INC XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I checked my credit report on last week of XXXX 2016 and found out most of the hard inquiries in my EQUIFAX report are fraudulent and NOT mine .On XXXX 2016, i faxed a letter of request to equifax to remove those fraudulent inquiries and I did also called 2x for follow up but the customer service thats I spoke with doesnt want to removed them. She want me to sign up first w/ equifax credit monitoring then she will help me if i sign-up. I think this is an unacceptable form of treating people if they will not agree to pay for equifax monitoring services.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

for couple years equifax has been reporting to XXXX different reports from them with all my information in except of XXXX number from my social security the incorrect social security file has all my personal information and a lot of my accounts from present and past keeping me able to obtain the best rates and loans available in the market because a mistake they did and are not able to fix. I have contact them and talk to them for several days and hours on the phone and they do n't listen and keep telling me that is fix when is not because I keep getting those reports to my home with the incorrect information.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I checked my credit score on XXXX and it says that I have a derogatory mark on my credit from XXXX for XXXX in 2013. This is my XXXX time checking my credit in a while. I have never had a XXXX account nor do I owe anyone XXXX dollars.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I contacted XXXX back in XXXX 2016 about possibly getting services. The representative that was working with me asked me if I wanted to give my social security number to qualify for a non-deposit rate or if I wanted to pay a deposit to prevent a credit inquiry. I asked how much a deposit would be and I was told {$400.00} or just have a credit inquiry. I did n't want either and decided not to further pursue trying to get services. The representative then told me that it was nothing more they could do and we disconnected the phone line.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I filed for bankruptcy in XXXX XXXX it was dimsd/closed chXXXX. Then in XXXX XXXX chapter XXXX was filed but I was determined to keep my home and did not pursue the bankruptcy. 
XXXX credit bureaus XXXX and XXXX have reviewed the Bankruptcy cases and removed them from my credit. Equifax has not removed them from my credit. i have disputed 4 times with them.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

THIS IS NOT A REQUEST TO HAVE ANY EXTENDED FRAUD ALERTS OR SECURITY FREEZES PUT ON MY ACCOUNT. YOU ARE NOT TO PUT ANY OF THOSE ON MY ACCOUNT. ALSO TAKE OFF THE BLOCK ON MY ACCOUNT FOR PROMOTIONAL PURPOSES AS I NEVER AUTHORIZED YOU TO PUT THAT ON THERE. 

i spoke to XXXX collection today and spoke to XXXX XXXX and she advised that this account has been closed and is no longer in their system and they submitted a manual request for deletion to the credit bureaus. So this account still remains on my file and proves that Equifax lied about them verifying this. Also XXXX I spoke to XXXX at XXXX XXXX and she informed me that XXXX does not have any original source document nor do they have a signed XXXX Release form showing that this medical facility has the right to share any of my person information so this is now a FEDERAL OFFENSE and Equifax is just as guilty for saying they have verified these XXXX XXXX accounts when they have not done so. By me calling these creditors today this shows that Equifax is violation federal laws in the FCRA and they need to be fined and shut down for doing so. Read the hand written notes on the attachment. I have caught you in a bold face lie about verifying these accounts.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX Bank and XXXX is showing an inaccurate balance on my credit report. The vehicle was showing repossession and also the same balance as the value of the car. XX/XX/XXXX the vehicle was towed by my apartment complex for an expired tag and the tow yard sold the vehicle after 30 days. I have reached out to XXXX Bank to get the new balance and status on this vehicle that was never repoed and they refer me to there lawyer. Since then I have tried to get my balance but continued to dispute through all XXXX credit bureaus to get an accurate balance to fix any mistakes on my credit and have been unsuccessful. I even set up a payment plan with the lawyer XX/XX/XXXX but I advised I will not start paying until I get something in writing showing the vehicle was sold and what my new balance was. All the Credit Reporting agencies are not investigating properly and I need to place a complaint or my next steps will be to sue both the credit agencies as well as the creditor. I feel I am doing my part and spending hours of my time to attempt to pay what is due if anything is due I am getting no results.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

I have received reports showing that a company known as Equifax Mortgage_SOL, a subsidiary of Equifax CREDIT BUREAU IS BEING PAID BY SOME OTHER COMPANY TO MAKE HARD CREDIT INQUIRIES INTO MY CREDIT FILE WITHOUT MY PERMISSION. tHIS HAS BEEN GOING ON FOR ABOUT 18 MONTHS AND I HAVE BEEN STONEWALLED BY EQUIFAX AS TO WHO IS PAYING THEM AND RE FUSES TO GRANT MY REQUEST TO CEASE AND DESIST MAKING THESE HARD CREDIT INQUIRIES WHILE REPRESENTING TO OTHER COMPANIES AND CREDIT BUREAUS I AM EXCESSIVELY APPLYING FOR CREDIT. I AM NOT DOING THIS. NOW THESE PRACTICES ARE HARMING ME FOR HAVING MY MORTGAGE REFI DENIED FOR EXCESSIVE HARD CREDIT INQUIRIES THAT ARE BEING MAINTAINED BY EQUIFAX FOR EXCESSIVE PERIODS OF TIME THAT ARE FALSE HARD CREDIT INQUIRIES IN THE FIRST PLACE. THIS IS HARMING ME BY REDUCING MY CREDIT SCORE AND PUTTING ME INTHE SUBPRIME MORT GAGE MARKET AND BECOMING A VICTIM OF PREDATORY MORTGAGE LENDING PRACTICDS BY PRIVATE EQUITY FIRMS USING TABLE LENDERS TO MARKET THEIR SECURITIZED TOXID LOANS. EQUIFAX HAS BEEN STONEWALL ING MY COMPLAINT ABOUT THIS PRACTICD FOR ALMOST TWO YEARS AND IT ALSO VIOLATES THE CONSUMER PROTECTION LAW KNOWN AS THE FEDERAL FAIR CREDIT REPORTING ACT AND IS AN UNFAIR PRACTICE VIOLATING FEDERAL TRADE COMMISSION RULES AND REQULAIONS AS WELL AS THE CONSENT AGREEMENT TO END THEM BETWEEN EQUIFAX AND THE NEW YORK ATTORNEY GENERAL 'S OFFICE IN XXXX.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WV)

My student loans were rehabilitated in XXXX through the XXXX. As such the defaulted status on all student loans/tradelines on credit report must be removed. Moreover, after most of my student loans were updated I noticed XXXX from XXXX that was still reporting as defaulted and showed incorrect information regarding prior late payments. My loans did not mature for payment until XXXX as such I was in a forebearance/hardship deferment from XXXX through XXXX and another in XXXX until I was denied. I did fall behind in XXXX but only because I was denied a hardship even thought XXXX would not work with me. I was working for the XXXX as a single mother with not a lot of income. However, I found another job making more money and started my rehabilitation. As such my loans are in good standing. I would like my credit report to reflect accurate information I worked really hard to get back on track and I deserve my credit to reflect the same. I have sent several letters to both XXXX and the credit bureaus with no help from either but rude individuals. I have all supporting documents to show that XXXX is still reporting defaulted, reporting incorrect late payments, I have all of my forebearance information. After disputing with them, they sent me loan information which I attached indicating I was 0 days delinquent and paid yet reporting differently to credit bureaus. I sent the same to credit bureaus and they still validate the information being reported? I have attached the most recent letters but I have been disputing the same for months and had an Omnibudsman involved named XXXX XXXX with the U.S. Department of Education, who I never heard from.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (NY)

XXXX. I can not access my account online, via telephone, nor via the app, despite MANY attempts to resolve the lockout issue Mariner Finance has.

2. Mariner Finance offers payment via phone according to the loan documents signed at time of loan, but charges an additional cost to make the payment, IF the payment function is operational ( not likely operational ).

3. Mariner Finance does not respond to voice mails, or return phone calls, that is IF a client happens to get an answer from a telephone call to their office. ( Someone picking up the phone is RARE - if your call IS answered, Mariner Finance will put you on hold, after which, the line disconnects ). 
XXXX. They do not answer their telephone during NORMAL business hours, specified on their company voicemail AND company website. 
XXXX. Mariner Finance delays withdraw of automatic payments for weeks on end. 
XXXX. Mariner Finance offers more loans, often via email and spam calling, despite clients requests to pay off their existing loan. 
XXXX. Mariner Finance fails to adjust loan balances after payments are made. 
XXXX. Mariner Finance is often not in the office, during normal business hours according to their listed times at the location. 
XXXX. My latest attempt to contact Mariner Finance at the telephone number provided on their business DOOR and website, was answered by a female who hung up on me stating, We are closing, call back. This response was received during their normal business hours.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I found a gas bill in collections on my credit report. It is not mine, we have lived in the same apartment for 12.5 years and it is electric only. I disputed it with Equifax , the only credit agency that showed the bill. They said it 's mine because the collection agency gave them additional information. No one in California would know my information to be able to get a gas bill in my name unless they stole it somehow. No other credit in my name has been opened that I can see. My credit is spotless with no late payments and I would like this taken off my account. I am not sure how to prove it 's not mine since I have no documentation of any kind, having not opened this account.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (FL)

Filed a Dispute with Credit Bureaus for Asset Care, LLC on XX/XX/2023 which did not remove a Medical Collection stating I owed {$800.00} to XXXX XXXX XXXX. I sent the company a letter on XX/XX/2023 detailing that my health insurance co-pay for emergencies is {$500.00} and asked to see a detailed accounting, the signed contract/promise with my signature and the Chain of Title from XXXX XXXX XXXX This is an In-Network hospital and I also pay XXXX the XXXX of every month. I never received the information I asked for but I did receive a letter from Asset Care, LLC on XX/XX/2023 stating they SOLD the Account! My credit report still shows a collection from Asset Care, LLC as of today. I need your help in removing this one and only collection from my credit reports. Thank you, XXXX XXXX
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DC 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
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My boss has written bad checks to me I believe knowing they will not be able to deposit in my account or reversed and has been doing this for a while I tried contacting my bank but it was already to late my account was negative and now my accounts frozen and restricted. in my previous complaint I uploaded photos and documents of proof of me being a good worker and my pay stubs
Consumer complaint received 2015-05-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (NC)

The company XXXX ( AKA Deliber Services ) is reporting to the credit agencys that both companies are servicing the loan. 

Making it appear that I have XXXX loans instead of XXXX. 

My account has been " sold '' between both companies since it was opened. 

The loan terms violated FL state statue in terms of the amount of interest charged during the loan terms. A complain was filed with the Office of the Attorney General. The State of Florida has also filed a Court case pending a decision in the district court of appeals. Case # is XXXX. 

The reporting of the negative information has greatly impacted my credit score and has prevented me from obtaining a mortgage for home. 

Dealing with CashCall/Delibert services in the past has been very difficult. They have employed aggressive and intimidating tracts to service the loan.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

I recently sold a vehicle and the buyer paid by check I am being told that my account is blocked and is pending for closure due to the check deposit now im not able to retrieve my and im being told that I have to wait 60 days citi bank is the worst bank of all time I should have never opened a account with them
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 at about XXXX XXXX I went to make a cash and check deposit a chase bank atm, I first deposited {$760.00} cash into the atm, then the atm asked if I wanted to do anything else, I then tapped yes and proceeded to deposit two small checks which totaled about {$28.00}. After it gave me the final balance of the deposit of the check and cash combined I tapped ok. The atm said remove your card and I did, immediately after I removed the card a big red error came up on the screen and it said that I removed my card to early and that the transaction had been cancelled. Frustrated I stood waiting on the return of my deposit, first the two checks were spit back out at me, I stood waiting on the cash and the atm went back to its home screen. At this moment a car pulled up wanting to use the very atm that just ate my money, not knowing what to do I proceeded to do another transaction, I did a recent history/balance inquiry. The atm produced a receipt of the recent activity but no cash and also on the receipt it mentioned nothing of the recent deposit that the atm had just eaten. I realized I couldnt hold the atm so I immediately pullled in the front of XXXX and called the 1800 number on the card. A lady told me that the chase claims department had just closed and they wouldnt be able to do anything until morning. I was told to hang on to the receipt and call in the morning to make a claim. On XX/XX/2023 at XXXX XXXX I called and provided all information about what happened and information from receipt was also provided. Chase then credited my account the missing amount of {$760.00}. Fast forward to MXX/XX/2023 I get a letter from chase saying they will be reversing the credit because my money wasnt found. Ive called the chase claims department, Ive been to speak with the branch manager at the particular chase the atm is at and I also made a police report. On XX/XX/2023 Chase reversed the credit and now I am out {$760.00}.