davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

XXXX AND EQUIFAX, AS WELL AS XXXX CONSUMER CREDIT REPORTING BUREAU, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 9th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have an account that has been confirmed to be fraud by the company. It should have been removed from my credit report already. It is still showing on my credit report. I am asking for it to be removed asap. I have uploaded the letter from the company.
Consumer complaint received 2024-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (IL)

On XX/XX/2024 I submitted a complaint with Ability Recovery Services about an alleged debt. I asked for proper verfication AND validation of alleged debt. The contract if any that they have with me on such alleged debt, purchase agreement with them and the original creditor on the alleged debt AND certified green receipt showing that i received proper notices to dispute the ALLEGED DEBT. They have not provided me with PROPER Validation Requests or with any contracts/ purchase agreements, XXXX certified green receipt. INSTEAD they continue to report the alleged debt violating my rights as a consumer and continue to Tarnish my reputation and hinder my ability to apply for more credit. They are in violation of the FDCPA and FCRA and i need all 3 consumer reporting agencies or any other agency reporting this alleged debt to immediately delete this negative information from my Consumer report. Please investigate thoroughly because they keep violating my rights and i may seek remedies per violation. ATTACHED is the file that Ability recovery Services has sent me and in the dispute is them ATTEMPTING to collect a debt again which is another violation. ( XXXX $ )
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX XXXX I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. This account is reporting with XXXX different amounts of high credit. The account paid in XXXX from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX continues to report the account as open with monthly late payments as of XX/XX/XXXX for a car that has been totaled loss and not in my possession since XXXX. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, The CFPB and New York Attorney General Sue XXXX XXXX for Hiding Auto Loan Cost, Setting Borrowers Up to fail. This lender hid the true cost of loans subjecting car borrowers to several financial distress and aggressive debt collection. 

Please review the attached article from the CFPB.
Consumer complaint received 2023-06-16
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC. (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX and XXXX  I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (CA)

XXXX XXXX  has reported that the case is closed and balance paid.in 2018 and has not reported to any credit reporting agencies since 2018 .I have sent all 3 credit reporting agencies asking for it to be removed .they said no I sent a letter to child support asking do they report to the credit bureaus .child support sent me back a letter saying no they do not.I sent a copy of that letter and a letter asking for them to remove it and still cant get them to remove them
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

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 2024-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Company purchased an account which I do not owe. I DISPUTED THIS MULTIPLE TIMES IT IS NOT A VALID DEBT, THEY DID NOT PROVIDE A SIGNED APPLICATION SHOWING I OPENED THIS ACCOUNT WITH THEM LEGALLY HAS TO BE REMOVED UnDER THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (FL)

I am writing to formally file a complaint against Equifax concerning inaccuracies found within my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from Equifax. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I am requesting Equifax to undertake a thorough verification of the accuracy of the XXXX XXXX account details. The reported balance of {$94.00} raises concerns, as it contradicts my understanding of the amount owed. Furthermore, the account status is indicated as closed and charged-off, rendering the inclusion of a Past Due amount inappropriate. I kindly ask Equifax to designate this account as disputed, allowing me to address the dispute with the creditor. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Equifax 's reporting on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Additionally, I have never entered into a contractual agreement with this company nor have I received any communication from them. The false information provided by Equifax regarding the balance, which exceeds my belief of the owed amount, prompts me to dispute the entirety of this account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} The information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is also inaccurate. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Moreover, the reported balance exceeds my understanding of the owed amount, casting doubt on the accuracy of the provided information. Consequently, I dispute this account and seek verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/XXXX, my grandson told me a person had called him looking for me, using my previous married name. My daughter, who was visiting with me said she had also gotten a similar call earlier in the day. Within XXXX minutes, my son called and told me he had also gotten a strange call asking if he knew me, and wanting him to give me a phone number. I called the phone number, and was transferred to a woman who said they were representing the city of ( where I live ) and stating they were trying to help a currier locate me to serve me papers. She was unable to tell me anything other than it was credit card debt, from XXXX, and that if I didn't request mediation through them, I would be responsible for all those years of interest and penalties and court fees. She also claimed they had already sent me all of this in writing.she had my current address, the last XXXX of my social, and my current married name. 
I told her that I have habitually reviewed my credit report, and there was nothing outstanding on it. She said it didn't matter because obviously the original creditor had sold the debt to someone else, so it wouldn't be on there. 
I was very flustered during the call, especially knowing they had called all my children in the last day. So I told her I would try and find more information and call her back on Monday. 
Then, I started thinking. She said she was calling for the city of ( ). Then she said they were an attorney firm. Then she told me they were Credit Services '' but she also referred to Assured. She said the debt has been " charged off '' but then said it was sold to another company. ( When? In XXXX? ). 
After giving me so much contradictory info, and the fact she is saying this is from XXXX, far enough back that it would confuse me, I feel like this is likely a scam. 
The number she had me call was XXXX. She also gave me a file number I can provide, even though she could not " find me '' under that file number. ( Ref : XXXX ) This is either a very detailed scammer, or a very unethical collections company. Either way, I do t want them contacting me or my children again. 
The only call I have received today has come up " Portfolio Recovery '' which my phone cuts off immediately because there is a SCAM Alert that pops up. It may be the same company, since they have now given me a variety of names.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I went into VCF in XXXX of XXXX. I was asked to apply for a VCF ( sychrony ) store credit card so that I could recieve 36 months no interest on my purchases. I apllied for the card and was approved. I made 2 purchases. In XX/XX/XXXX I recieved a statement with interest added onto my bill. I called my local store. I was told that I had to contact costumer care. I contacted customer care. I did a complaint and dispute. Did not get any results. XX/XX/XXXX more interest charges were added. I called synchrony bank. I filed another complaint and dispute with them regarding being given misleading information from the sales rep in the store. I was told that the reson why I didnt not receive 36 months no interest on my purchases was because the items that I purchased were on sale. There were no signs that stated that sale items were excluded from the 36 months no interest promotion. I have not received any communication back from this company. I was told I would recieve an update on my formal complaint and dispute via email and message center in the app. I have not received anything but more interest charges and a high balance reported to the credit bureaus.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2023-08-06
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: Mercedes Benz Financial Services (CA)

I am writing to address a serious matter related to the inaccurate and incorrect information being furnished by Mercedes Benz Financial to the consumer reporting agencies. This inaccurate reporting has caused significant harm to my character, reputation, overall well-being, and has negatively impacted my ability to obtain credit for personal and housing purposes.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX an ACH withdrawal of {$2400.00} to XXXX XXXX posted to my account with sufficient funds. The account had sufficient positive balance. 

On XXXX an auto deduction of insurance was made by USAA that created a negative balance in my account. 

On XXXX I received my regular paycheck of approximately {$7400.00}. 

USAA retroactively re-ordered the transactions to decline/return NSF the {$2400.00} payment that had already posted with sufficient balance costing me {$50.00} with the agency that collected the payment so they could debit {$280.00} for insurance. 

CFPB is actively investigating re-ordering as unethical and perhaps illegal.
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. 
Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!
Consumer complaint received 2023-09-06
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. (DE)

The validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago, I requested an investigation as I believed that certain items were not being reported However, I received a letter a couple of days ago stating that your investigation was complete and that the items listed above were verified. I am requesting that you explain to me how you conducted your investigation and provide me with your method of verification. 
In your response, please include the following details : XXXX. Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. 
XXXX. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
XXXX. What was the cost incurred by your company to obtain the documents needed to complete your investigation? 
XXXX. Please provide proof of your timely procurement of certified documents. 
XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. 
XXXX. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
XXXX. Provide the date of the commencement of delinquency. 
XXXX. Please provide the specific date on which the items will cease to be reported. 

I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. Please note that a form letter response will not be acceptable, and if you can not supply all of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or the requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. I have recently studied constitutional consumer protection laws along with civil/federal court procedures, and I will represent myself pro-se and will formally request a jury trial. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-28
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Im making payments as agreed to capital one. XXXX a month. Long story short ... Im struggling with my health and taking care of parents. Theyll get their money when I die but Ive been making payments religiously as agreed. They stopped sending statements couple months ago. They rejected my XX/XX/XXXX money order stating no account number. My handwriting is not good. I alway place sticker with complete account number. It was missing she returned to the bank. I feel they did this o purpose to drag me to court for more money. Im tired of the games. I pay every month. Even when they dont send statement and its never reported in my credit report with any debt collectors. Please make them send me a statement as agreed. Im replacign money order XXXX XX/XX/XXXX. With money order XXXX XX/XX/XXXX. Mailing XX/XX/XXXX. Please help me. Im tired. I wish I could pay it all but I just cant. Im sorry XXXX XXXX