davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX has been trying to collect a debt from me that is past the statute of limitation.XXXX XXXX XXXX court case XXXX XXXX, CACH LLC vs XXXX XXXX, et al. The debt collector was granted a default judgement on XX/XX/XXXX. My last payment on this credit card was 2 years earlier. I was granted 3 claims of exemption from wage garnishment and had 2 bank liens. Currently XXXX XXXX has a lien on my bank account, XX/XX/XXXX. I believe that this debt is time barred and is illegal to collect. There is another firm involved called CACH , LLC. XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, CA XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-14
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX Balance : {$27.00}, XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-09-14
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC Systems is reporting on my credit report that I owe them {$59.00} I have never done business with this company IC Systems is saying I owe them {$150.00} I have never done business with this company
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MS)

I recieved my SSI benefits on XX/XX/2019. On XX/XX/2019 I went to an atm to withdraw money an my transaction was declined. At this point I called my card an it said I had a balance of {$20.00}. That is when I cancelled my card an reported my money was missing because I had not used my card at all since my check was deposited on Saturday XX/XX/2019. I was told by a lady I spoke with that I would receive a new card within 2 business days an all my money would be refunded to my card. When l recieved my new card on Thursday XX/XX/2019 I activated it zn it had a balance of negative {$15.00}. I am XXXX years old an alone I need my check that someone has stole from me.
Consumer complaint received 2019-10-14
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. (FL)

I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and Transunion continues to allow them to report this as 60 days late when it is indeed paid in full and closed.
Consumer complaint received 2019-10-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (CO)

Direct Recovery Services, L.L.C. has repeatedly contacted both of my sisters, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) regarding my debt in an attempt to both collect debt as well as to threaten legal action in the event that no action was taken. A voicemail with the aforementioned behavior was left for XXXX XXXX on XX/XX/2019. Furthermore, a voicemail was left for XXXX XXXX on XX/XX/2019. Moreover, text messages were also sent to both of my sisters regarding the same information on the same dates provided.
Consumer complaint received 2019-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My twin sister 's name is the main name associated with my social security number. I've been unable to remove it from my credit report after calling, mailing copies of my social security card and driver 's license, and filing an online dispute. I am unable to obtain any credit through places that run checks with Transunion, as it comes back as saying that my social security number does not match my name.
Consumer complaint received 2020-09-14
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. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB : SEVERAL FEDERAL DIC, FDIC, INSURED BANKS ARE ENGAGING IN BANK FRAUD, ROBBERY, AIDING AND ABETTING BANK FRAUD, ROBBERY, HIRING PEOPLE WHO MAKE ERRORS AND OMISSIONS, MISTAKES, AND XXXX-XXXX  ACCIDENTS. THOSE BANKS BEING ( INCLUDING BUT NOT LIMITED ) TO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( NOW XXXX ), XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. ALL ACCOUNT CLOSED. DO NOT HAVE COP XXXX COUNTY COPS XXXX XXXX NOR THAT CONFUSED XXXX XXXX A. GOOD BADGE XXXX CONTACT ME EVER AGAIN. HOLD THEM ACCOUNTABLE AND HAVE THEM CEASE AND DESIST, MAKE CORRECTIONS, FINE THEM, AND TELL THEM TO MOVE THE XXXX ON. 

TRACE ALL CASHIERS CHECKS BECAUSE I AM THE PURCHASER AND THE ONLY PAYEE. THOSE ARE GUARANTEED FUND FOR ME, MY FAMILY, AND MY VERY XXXX XXXX  SAFETY ONLY. I DID NOT PLACE A STOP PAYMENT, I DID NOT REPORT THE CASHIER CHECK LOST, STOLEN, DAMAGED, FORGED, AND I HAVE NO KNOWLEDGE OF A LEGAL STOP PAYMENT. THAT IS MY VALID SIGNATURE ON ALL CASHIER CHECKS. 

XXXX YES, I WANT TO PRESS CRIMINAL CHARGES. I DO NOT OWE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NOR XXXX XXXX XXXX XXXX XXXX XXXX NOR XXXX XXXX XXXX XXXX. AND XXXX NO THEY CAN NOT WRITE OFF DEBTS I DO NOT OWE AND REPORT TO ANY XXXX NOR 3 CREDIT BUREAUS ( XXXX, XXXX, NOR EQUIFAX ) AFFECTING MY CREDIT AND SAFETY ABILITY TO MOVE ONWARD. THEY ARE IN VIOLATIO OF 15 USC 1692 AND EACH BANK OWES ME {$1000.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

in XX/XX/2019, I signed up to put a freeze on my Equifax credit account to prevent fraud. 
Today, XX/XX/2019, I contacted my phone company to add service. They asked if it was OK to check my credit report, using Equifax. I said fine, but I would need to sign in and temporarily unfreeze the account. 
When I went to the " XXXX '' website and signed in with my email address and password, the site responded with an error message, stating to call the customer service number. 
My first call was transferred 3 times, then after 24 minute was disconnected. 
My second attempt, I was routed to and " American agent '' XXXX, who said he would correct the issue. After 53 minutes, he told me that my account does not have enough lenders information to authenticate me, and that I would have to send, by mail, photocopies of my driver license and SS card for authentication, then wait a week or two before Equifax would respond. 

He also told me that it would not help my future attempts to access my account after 30 days, and that I would have to, again resubmit the same information, then wait again for week or two before Equifax would respond. 

Equifax has had an account on me for 32 years with impeccable credit. ( XXXX score ) I have no debt, no car loan, and no mortgage. I have 4 active credit cards paid in full monthly, with NO carried balance. I owe no-one and have no lenders. Other than my credit cards, my residential utilities are all I have as monthly dues. 
These are all listed on my credit history with Equifax. 

The CSR, XXXX, told me, that the only way for me to be able to be authenticated was to have lenders reports in my history and that I needed to take out some loans. He said that, In order for me to access my account ( to enable and disable a freeze ), I have to generate debt. I have worked all my life ( XXXX years old ) to get the monkey off my back, just to have this CSR tell me that the only way I can be authenticated ( to be able to manage my account ) is to take on debt. What kind of XXXX XXXX is that? 

So I am unable to log in to unfreeze the account so the phone company can process the order. Neither was XXXX able to do it. 

With the letter and documents he instructed me to send, It will still take a minimum of a couple weeks, then it will only be good for 30 days.
Consumer complaint received 2019-10-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

All happened today, the day this complaint was submitted. I tried submitting this complaint multiple times after calling twice. Disgraceful. 

This complaint is directed toward Ditech Financial LLC, the company that owns my mortgage. I tried reaching out to see about loan modification or forebearance, very temporary until XXXX. 

Background : After reevaluating my finances due to taking a XXXX dollar pay decrease from military orders sending me to Texas and my wife being forced to quit her job, Ive determined I need help with payments until XXXX when Im in a better financial situation ; a forebearance plan came to mind. 


Problem : I contacted your representatives who told me there was nothing they could do due to the fact my loan was owned by XXXX XXXX ; that I would have to be in a delinquent status. I called back shortly thereafter for a second opinion and was put on the line with a specialist. This specialist could not give me a single reason why I couldnt do this, nor was willing or able to provide written documentation as to why I would not be able to go through with a forebearance plan. She simply said no without any written regulation to back it up. Does this not sound ridiculous? Does this not affect credibility with your company?
Consumer complaint received 2019-08-24
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. (NY)

I dispute the items on my credit report on XX/XX/2019 they never fixed it they claim its verified but nothing changed i know it's wrong so i send a method of verification letter on XX/XX/2019 and they send the same message. I can't upload the proof
Consumer complaint received 2019-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

Vehicle was repossessed on XX/XX/2019 for disputed payments. After several unsuccessful attempts to reach company was finally provided a fax number to submit my payment history. I was notified via letter that property would be sold on XX/XX/2019. On XX/XX/2019 I submitted payment history evidence noting omitted and inaccurate payment history. I requested return of my vehicle and have not met with a response.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services (GA)

On XX/XX/XXXX, I submitted a faxed request to Clarity Services Inc to place a security freeze on my file. On XX/XX/XXXX, I received a response back stating that they didn't have my social security card to verify my identity. When I submitted my request, I submitted a copy of my bank statement, drivers license, social security card, and my bank statement with my address that matched my Drivers License. I need for them to place the security freeze on my consumer file asap as I provided the correct information.
Consumer complaint received 2019-08-26
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. (VA)

XXXX XXXX XXXX XXXX accounts opened in my name without my consent and permission to do so were fraudulently and done so sometime in 2015 {$5000.00} {$5500.00} Total amount {$10000.00} Currently showing as a charge off and payment not current so it is impacting me twice as it pertains to my Equifax & XXXX Credit Reports as a negative item and double standard twice over. If the company is stating a charge off they can not report that the payment is late or not current.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SC)

I recieved a letter in the mail from XXXX XXXX XXXX that a credit card had been issued in my name. I did not apply for this credit card and did not receive it I called them they reported it as a fraudulent account. I asked them to take if off my credit report where they ran my credit. They told me to file a despuite with Equifax which I did. Now Equifax is refusing to take the hard inquire if my credit report saying it will stay there until 2021. Even thou it was report as fraudulent to the bank. And my social security number was in their data breach I still have to have something in my report that I did not do.
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

I had a judgement against me which I paid off a few months ago. This company took my payment and refuses to give me my warrant of satisfaction. I have called and emailed them as well as had my bank call and email them and we have gotten absolutely nowhere. They claim that they dont issue the warrants, that they only collect the money and foward the info. They also refuse to tell me who they forward the info to and/or what attorneys represent them. They say that they dont know because its always changing. All I want is my warrant of satisfaction so that I can file it with the court and have it removed from my record. The debt is paid and there is no reason I shouldt get this. Ive tried for months and gotten nowhere. Please help me with this simple request.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

As a result, the courts found that collection of this account is not a valid permissible purpose to obtain a consumer report. 


For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. ( 15 U.S. Code 6802 ) -SEE ATTACHED FINAL NOTICE!!!
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (SC)

Requested a balance transfer from Wells Fargo, XXXX the bank is XXXX XXXX who says they have never received a transfer from Wells Fargo of any amount for this account. This started back in XX/XX/2019 continual communications with customer service by phone with always they were going to look in to it and get back with me but it never happened. Call to my house started with statements on how this was going to hurt my credit, it seemed like I was getting statements every 2 weeks showing the account was delinquent and the late charges kept building. I finally wrote them they responded to give them a couple of weeks and they would get back wit me, after 2 weeks they said they needed more time and after a while they came back with a number that was 15 letters long and said this was some sort of transfer number that proved it happened. 
I got with XXXX XXXX and they said the number meant nothing to them and only Wells Fargo new what it meant. Calls continued I wrote another letter got the same response and it is being reviewed. Mean well I got anther call I was passed to 4 people the last one was not available and was to get back with me but never did. They said that it was getting ready to be charged off and if I paid {$25.00} it would keep it active in this department told them paying anything would be admitting I was wrong. This was XX/XX/XXXX?
Consumer complaint received 2019-09-06
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. (GA)

As of XX/XX/XXXX, there is an fraudulent account on my credit report from XXXX XXXX XXXX with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with XXXX  XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX. I've never had an account with XXXX XXXX XXXX. I have not given anyone permission to use my credit or to add my name to an account with XXXX XXXX XXXX. 

This account needs to be deleted upon receipt of this documentation.