davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2024-10-16
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: Avant Holding Company, Inc. (VA)

The following Late Payments, and Closed Accounts caused Public damaging actions on " OUR '' Consumer account as the " INDIVIDUAL '' communicating giving notice right now ; my rights has been fully misrepresented and deceptive. There needs not to be any late payments on " OUR '' consumer credit profile for any reasons ; 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 REQUEST FULL GENUINE PROOF OF EACH LATE PAYMENT FURNISHED ON " OUR '' CREDIT PROFILE BEING DELIVERED TO " US '' NO LATER THAN 21 DAYS BEFORE INVADING " OUR '' PRIVACY WITHOUT THE PROPER CONSENT AUTHORIZED BY I THE INDIVIDUAL AS AGENT ON BEHALF OF THE CONSUMER ACCOUNT
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

Applied for Chase Freedom credit card because of XXXX dollar cash back reward offer. After criteria met cash back was not applied. Called twice and finally spoke with supervisor who stated they do not know why it was not applied but could not do anything about it.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Issued a XXXX dollar Amex gift card and have not been able to use it at any online or I person store. Attempted to call and was informed the card is active and the balance is full but they would not confirm where the card be used.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

I was wondering why my credit score fell by XXXX pts. So I looked it up. I called the company that had hit my credit not once, but twice in one week! I had never heard of them. I called. XXXX XXXX at XXXXXXXX XXXX XXXXXXXX. She stated they were collecting a debt from a XXXX XXXX XXXXXXXX. I had a hard time getting the XXXX to put the claim through with my insurance way back then. It was an ER visit. They did nothing and the charge was like I spent a week there. I finally had it taken care of and then Covid came and we had no jobs. I could not pay the bill. It went to a collections and went down to around {$1000.00}. I tried to pay some but was having a hard time. I didnt recieve bills. This place came from nowhere. At me owing {$6400.00}. They have not sent me a bill. Nothing. My credit was good at XXXX. Im trying to do good. Its down XXXX points because they hit it every week. I do not have a job and live in a camper. XXXX XXXX XXXX XXXX XXXX so I can go back to trying to work. They need to stop.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (TX)

I have an outstanding balance with Sun Loan Company and yes I know it is a debt to be paid. It is hard to deal with these companies because even if you call to explain what is going on they do not always want to work with the client. I had a big cut in pay with the changing of employment so I got behind on bills. I handle my own bills ; pay my own bills. This company is now calling family members which I did not list on my contact list at all. I want this company to stop harrassing my family members and me about this debt. This debt has already been listed as a charge-off. The number that has been calling is listed as XXXX. Please help anyway possible to keep this company or the company that purchased my debt harrassing anyone either than myself. They said they would be contacting all people listed on my profile. What does that even mean? My profile from where online? This is embarrassing and I believe illegal for a debt collector to be even doing. Thank you.
Consumer complaint received 2024-07-25
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)

The INQUIRIESlisted below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GREENSTATE CREDIT UNION (IA)

On XX/XX/year> I spoke with the representative on my vehicle loan account to approve {$800.00} to be taken out on XX/XX/year> and then the remaining balance of {$1400.00} to be taken out on my next payday of XX/XX/year>. I stated that I have a pending transaction already initiated on XX/XX/year> to come out of my account and was only allowing the bank to take out the {$800.00} now then rest on next payday. They agreed to the plan. Then when I went to check my account I see that they with held another {$800.00} from my account without my permission or knowledge, which after I told them that no more can be taken out as it would be in the negative. The representative still put a hold on the extra amount without my consent even after I had a payment plan set up with them. So now with that other transaction coming out of my account, my account went into the negative and accrued a overdraft fee. This was all due to them fraudulently with holding extra money out of my account without my knowledge or permission. The bank is Green State Credit Union for my vehicle I have a loan with them. But now I have to wait almost a whole week to contact the bank because they will not be able to speak with me till then. I'm filing a formal complaint on this department as they fraudulently with held extra money from my account without my permission even after the payment plan was set. The representative was rude and I was honest to give all information but he acted like he could care less and even after knowing another transaction was pending as I had receipt of it. I will be seeking legal action against this representative if not resolved and in writing immediately. All calls were on a recorded line as well.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes to XXXX, Experian, and XXXX regarding the following accounts reported on 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 Experian and Transunion removed one of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} However, I am having a really hard time with them removing the XXXXXXXX XXXX from all three credit bureaus : XXXXXXXX XXXX XXXX XXXXXXXX - {$2800.00} and and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} I have also provided them with the FTC report. 

In XXXXXXXX XXXX XXXX all XXXX credit bureaus removed the XXXX accounts from my credit report and now placed them back onto my credit.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (ND)

In late XXXX Mr Cooper bought our mortgage. They had some data breaches afterwards and because of that both my wife and I had to put our credit on a freeze. In early XXXX of XXXX we received a letter in the mail stating that they would be switching us over to their in house provided insurance at a higher rate and less coverage. Our XXXX XXXX was good through XX/XX/XXXX. On XX/XX/XXXX I called our XXXX agent and they stated that they had not received a check from Mr Cooper. After talking to Mr Cooper they agreed to send a check to the insurance company for {$2800.00} and listed that they had sent a check to XXXX. They're website reflected that they had " sent a check ''. On XX/XX/XXXX I received a letter from Mr Cooper stating that I'd be charged by them for {$220.00} for the coverage they provided between XXXX and XX/XX/XXXX ( even though I was covered by my existing insurance ). On the phone they stated that I would not be charged that but at this point I'm expecting they'll still charge me. By XX/XX/XXXX XXXX had not received a check and would be canceling our insurance on XX/XX/XXXX. I called Mr Cooper again and they agreed to overnight another check, they put me on hold and spoke to my insurance agent on another line again. When they got back to me they said they would send the check but it would take another 5-7 business days. I told them not to because I need to get it paid by XX/XX/XXXX. They said I could pay it and they would send me the check so I paid {$2800.00} on XX/XX/XXXX out of pocket. After clarifying with them they said that it would not be Mr Cooper that would send me a check and that it would actually be XXXX sending me a check. After reconnecting with my insurance agent they said that Mr Cooper said they were going to overnight a check and that Mr Cooper said nothing about a 5-7 business days timeline. Both my insurance agent and I are now worried that they will claim that money out of escrow and XXXX won't receive it ( and therefor it won't be refunded to me ) but I'll still get charged it via escrow payments.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX LVNV Funding- Web bank XXXX XXXX XXXX XXXX , SC XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back XXXX you. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (NC)

I have not supplied under the doctorine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

According to FCRA Section 605B its illegal to put anything on my credit report without my permission. Please remove this negative item. Thank You
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

Complaint Regarding Deceptive Credit Card Practices I am writing to file a formal complaint against XXXX XXXX  and Citibank regarding their deceptive marketing and implementation of " 0 % interest '' credit card offers. 
I purchased items on the XXXX XXXX XXXX in XXXX of XXXX and was paying it down. Then in XXXX of XXXX, I was charged nearly $ XXXX in " deferred '' interest. Something that it does not state until after the purchase or in the " Fine Print '' Misleading Advertising Best Buy prominently advertises " 0 % interest '' or " no interest '' financing options in their stores and marketing materials. However, these offers are actually deferred interest plans, which is not clearly disclosed to consumers at the point of sale.

Lack of Transparency When applying for the credit card, I was not adequately informed about : The difference between true 0 % interest and deferred interest The potential for retroactive interest charges on the full purchase amount The exact terms of the promotional period The high interest rate that would apply if the balance was not paid in full Unfair Practices Financial Harm Due to these deceptive practices, many consumers, including myself, have been hit with large, unexpected retroactive interest charges. In my case, I was charged XXXX  XXXX in interest despite making regular payments throughout the promotional period. 
Request for Action I urge you to investigate these practices and take appropriate action to : Require clear disclosure of deferred interest terms at the point of sale Prohibit the marketing of deferred interest plans as " 0 % interest '' or " no interest '' Mandate that minimum payments be set high enough to pay off the balance within the promotional period. 
Provide restitution to consumers who have been unfairly charged retroactive interest Thank you for your attention to this matter. I look forward to your response and action on this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
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)

There are items on my credit report that have resulted from fraud to which I never benefitted from. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have reported them to the federal trade commission but they are not removed from my report it is adding unnecessary stress in my life.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

There is an incorrect and false address been reported on my credit report and I want it deleted immediately. This address is is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (DE)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-13
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)

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : XXXX XXXX XXXX XXXXXXXX.