davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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. (NC)

This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.
Consumer complaint received 2024-06-25
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. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-25
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. (PA)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (TX)

Purchased New + Additional Warranties for XXXX XXXX on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to cancel some warranties ran concurrent with XXXX supplied warranties!?! On XXXX, Notified XXXX XXXX XXXX XXXX XXXXXXXX that I would be filing Fraud Complaint for non-payment Cancelled Warranties '. Received Phone call from XXXX XXXX XXXX XXXX, Whom assured ME all requested Warranty Cancellations processed same day submitted! Looks like Finance XXXX may have sent check to XXXXXXXX XXXX, instead of XXXX? Next I contacted Hunington National BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Spoke with agent? XXXX? She told me they did not get Check until XXXX. XXXX Months in XXXX or Same Day as conversations with XXXX XXXX, via Electronic Funds Transfer! Told XXXX, XXXX or both LYING neither taking responsibility!?! Believe Amount of check received is {$3500.00} which is Amount that would be DUE if paid out XX/XX/year>. But I XXXX Check was sent by XXXX XXXX on XXXX to Huntington National Bank ; it is XXXX MONTHS OF INTEREST Short!?!?!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Two separate issues : 1 ) Delinquent Payment Reflected For Debt Not Made Known to me : This debt was not notified to me by the government when I left service to the Army. This was paid as soon as knowledge of the outstanding amount was made known to me. This charge was never overdue and collections record should be removed.

2 ) Federal Student Loan Consolidation Has Resulted In Outsized Reduction to Credit Score : Consolidated loans I have been carrying for over 10 years, with no additions, and this simple act has reduced my credit score, across reporting agencies, by > XXXX XXXXXXXX These are the same loans, which have always been in a paid timely status, so I am shocked at the punitive negative impact inflicted by following Biden administration guidance to consolidate. Please investigate how these changes are justified and request adjustment to reflect actual risk adjustment incurred under IDR plan.
Consumer complaint received 2024-06-25
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. (TX)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AZ)

On XXXX of XXXX I found out that my Paypal debit card along with my insurance card were missing. The card was not in my possession.I immediately contacted Paypal to deactivate the card.Upon logging on my account i realized that somedy used the card at different locations.The following are the transactions that appear on my statement : XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX {$250.00} XXXX XXXX # XXXX {$230.00} XXXX XXXX # XXXX {$180.00} XXXX XXXX # XXXX {$200.00} XXXX XXXXXX/XX/XXXX {$21.00} XXXX XXXX #XX/XX/XXXX{$240.00} I am willing to prosecute. 
- Document Type = [ OTHER ] - Number of Documents = [ XXXX ] - Name of XXXXXX/XX/XXXX = [ Paypal These are transactions that i did not authorized and have been icluded in XXXX Police Report dated XXXXThank you!
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (WI)

XXXX XXXX XXXX calls me several times every single day. All time of the day, and they call from so many different numbers. A man named XXXX leaves me about 3 voicemails a day. I get a few emails from them as well. When I go to the website and attempt to log in it is a blank screen and does not tell me what I owe or from who and there is no option for me to make any payments.
Consumer complaint received 2024-06-25
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. (NM)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KP ASSET CONSULTING LLC (MI)

Getting harassing/abusive phone calls from " XXXX '' at https : //kpassetconsulting.com/ KP Asset Consulting. 

Calls from blocked number. Called family member 's phone numbers who I do not live with or talk to harassing them about a " debt '' that is owed. Threatening to serve papers at residence and place of employment. Abusive, rude, and harassing on the phone. Yells and hangs up when they don't like what you have to say. Refuses to stop calling. 

Has called every single day of the week on blocked number threatening to just appear.
Consumer complaint received 2024-06-25
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mobiloans, LLC (KS)

I have had stolen identity multiple times and I do not recall getting the XXXX. I have requested a debt Validation report and the company. They are asking me for the information to validate the debt. I have an email from them stating that they can not validate the account with the information I did. Since requesting the debt validation report, they have refused to have any more contact with me has increased the balance of my closed debt on my XXXX XXXX report.
Consumer complaint received 2024-07-26
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: U DRIVE ACCEPTANCE CORPORATION (FL)

About 3 years ago we began leasing a car through Udrive Acceptance. At some point they merged with a company called XXXX. I found this out when I got an alert from my bank that my credit score went from a XXXX to a XXXX! I immediately called dealtime as I make payments w them now instead of Udrive. After being yelled at and hung up on multiple times, I was told the issue is not with XXXX as Udrive reports my credit. The reason my credit is significantly dropped is due to Udrives lack of management and hiring. After week 3 we spoke to XXXX who advised us that Udrive has no reporter to fix the EIN number on the account ( this is what has caused my credit to be INCORRECLY REPORTED ). She explained that the only reporter they have wont be finished training until Friday XX/XX/XXXX and my issue would be fixed by than. We have waited almost 4 weeks for Udrive to correct the mistake they made, and they have not done so. I am being punished because of Udrives poor practice as a company! I would like to buy a house, I can not do that with a 4 point credit. I more than halfway thru a business plan that I can not present to my bank due to the clerical error caused by Udrive that they refuse to fix. I am not the only account that has been affected, employees of Udrive and XXXX also admitted there credit went down during this merge as well. This is out of my control, I am being punished because a company can not follow proper policy guidelines. I signed a piece of paper stating I have an obligation to make my payments on time. I would assume that they also have an obligation to report my information correctly. This is effecting my life. They are gas lighting and violating my right to fair credit reporting.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P. (PA)

I received a letter from a debt collector named XXXX XXXX at Advantage Assets regarding an old property I no longer owe. They have seized my bank account. However, after further investigation, I discovered that the XXXX XXXX XXXX XXXX ( XXXX  ) does not require payment to settle bench or jury warrants, and any such demands from the XXXX should be reported as scams. 

The documents I received from XXXX XXXX at Advantage Assets are stamped with XXXX in red letters on the XXXX XXXX XXXX sales website XXXX XXXX XXXXXXXX I plan to contact my bank tomorrow with this information and will notify them that a fraud report has been filed with ConsumerFinance.gov.
Consumer complaint received 2024-07-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Moore Legal Group, LLC (NJ)

I had contracted with XXXX XXXX XXXX on XXXX with the understanding from their sales rep that within XX/XX/XXXX days my creditors would be notified that they were handling my debt. None the less after repeated attempts to contact them via phone and email they never reached out to my creditors thus causing my balances to continue to increase over XXXX in the XX/XX/XXXXmonths since I joined their services. I specifically asked their sales rep in the beginning if they would be contacted and he assured me after XX/XX/XXXX days they would send out letters to the creditors. 

I was sending them XXXX per month and have recently withdrawn from their services ( XXXX ). 

I am informed that I will receive the funds in escrow but I am also requesting refunds for the service charges they imposed as no service was ever performed. 

They withdrew the following from my deposits : XXXX XXXX service charge, XXXX retainer fee and XXXX XXXX fee. 
XXXX XXXX service charge, XXXX retainer fee and XXXX XXXX fee. 

I have asked for reimbursement of the service charges totaling {$1900.00} and was told that they would not return unless otherwise ordered by the court regarding the XXXX # XXXX in which they are named.
Consumer complaint received 2024-06-25
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Exchange, Inc (MD)

I have 2 collections/ charge off on my account from XXXX XXXX I have been going back in forth with XXXX XXXX and t=have requested that they send me the " debt validation '' witch they stated in writing that they can not provide. The debt has been charged off and has been assigned to a 3rd party debt collection agency which is illegal. I would like this debt removed from my credit profile immediately or the next step will be taking XXXX XXXX to court. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE. I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B.

FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-06-25
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: DApps Platform, Inc. (AZ)

On XXXX XXXX of my owned assets experienced a substantial increase in value. As any investor would do, I attempted to sell the asset. There was no option to do so, so I needed to convert it to another asset that could be sold. 
The asset in question is LOVELY. It's a XXXX token so the most logical choice was to convert it to XXXX. Trust Wallet wouldn't allow that transaction to take place. ( screenshot attached ) Upon contacting Trust Wallet support, they gave no actual explanation as to why a XXXX token couldn't be converted to XXXX, but simply said it wasn't allowed and " liquidity ''. 
This is simi; lar to what XXXX did a few years ago with XXXX stock and that was illegal. This nonsense has cost me XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (NY)

XXXX XXXX XXXX XXXX XXXX a debt negotiating Company has received over XXXX from me since XX/XX/year> for consolidating my debt. I have been receiving emails from them with phone numbers noone answers and now have found out XXXX filed a lawsuit against them CASE NO. XXXX Please help me to recover the nearly {$3000.00} already given to them. I am going to my bank today to stop all further payments. What else can i do to insure the return of my money?
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Accounts, LLC (MD)

XX/XX/XXXX I talked to agent XXXX ID number XXXX about changing my due date because I never get paid on the date they asking me to do that's how I keep getting late fees I'm never going to be able pay this account off are bring it up to date I've received my social security payments around XXXX and XXXX each month not the XXXX like the current due date my the way this account is closed
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Astra Business Services (OH)

When I checked my credit report I saw a collection account from a company named Astra for {$550.00}. I had filed a dispute which came back that it was investigated and was my debt. No information as to who the creditor is was given. I believe this company is a scam, after researching it.