davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/1995 Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-05-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXXXXXX XXXX is sending me to collections for an account for XXXX and one for a XXXX XXXX. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from my credit report.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Resources, Inc. (TX)

I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.
Consumer complaint received 2024-03-01
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. (FL)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (IN)

I have tried to tell Nationwide Recovery Systems ( NRS ) to quit calling here for quite some time now. They keep calling for a " XXXX XXXX '' and I have advised them that this is a business number and there's not a XXXX that works here, nor has there ever been. I have told them repeatedly to remove this number and they just keep calling ... 
On XX/XX/XXXX they called here, again, looking for XXXX and they were told again to quit calling here. I sent them a message on their contact form of their website ( https : //www.nationwiderecoverysystems.com/? page_id=15 ) that any future phone calls will result in CFPB, FTC and Attorney General complaints . Since then, they have called three more times : The " warning '' phone call : XXXX, FL : XXXX @ XXXX XXXX, XX/XX/XXXX Caller ID : " NRS '' XXXX @ XXXX XXXX, XX/XX/XXXX Caller ID : " NRS '' XXXX @ XXXX XXXX, XX/XX/XXXX XXXX, IL : XXXX @ XXXX XXXX, XX/XX/XXXX They called again today ( XX/XX/XXXX ). I told the gentleman on the phone that I was going to move forward with filing the complaints after they were warned to stop. 
Their harassing and predatory practices NEED TO STOP. 
We have had this number for two years and have verified XXXX listings and XXXX pages. There's no reason they haven't done their due diligence in ensuring they have good phone numbers via their skiptracers and there's definitely no reason they didn't remove this phone number once they were told to.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CO)

Chase continues to report delinquencies for Chase account XXXX throughXX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: E. A. Uffman & Associates, Inc (LA)

On XX/XX/XXXX and XX/XX/XXXX 2 account were placed on my credit report in the amounts of {$480.00} and {$160.00} and I was unaware of the debt owed and did not authorize the release of information for any prior or current providers and have requested documentation with signatures allowing the release of any information.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm requesting Reinvestigation be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.
Consumer complaint received 2023-05-25
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : 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 2017-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

We have been restlessly attempting to resolve this issue, we have even submitted a complaint with CFPB recently for Wells Fargo Dealer Services, which we mistakenly believed was the correct section to deal with. 

The problem : My husband has a car loan with Wells Fargo Dealer Services. For the past year of XXXX up until about XXXX, he had been sending in money orders to a Wells Fargo Address believing that this was the correct address to send in his payments. He had been making the money orders out to : XXXX XXXX XXXX XXXX 
P.O. BOX XXXX XXXX XXXX, SD XXXX We informed Wells Fargo Dealer Services about this, but we thought he had made them out to them but that was not the case. While we truly apologize for any inconvenience and misunderstandings, we have been trying to resolve the issue, its just been frustrating. We hope they understand as its tremendously frustrating when you are unable to purchase a house or your credit is messed up for a mistake that you cant fix. 
I called Wells Fargo Dealer Services an informed them about this as they opened up a case with the number : XXXX. They called my husband and after speaking with him, he was told there is nothing they can do because he has no proof of the money orders. 
I was also informed from a representative at the presidents office of Wells Fargo Bank at this number : Chairman, President and CEO, office of XXXX XXXX ( XXXX ) XXXX that someone at the above address mailed the last two payments to the overdraft service department and they had deposited them in his personal checking account. But they are saying that they never received any other money orders, so I have enclosed a copy of an envelope that was addressed to them as well as the money orders that where deposited in his account.
Consumer complaint received 2023-05-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-27
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. (OR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMR Progressive, LLC (TX)

I was a victim of identity theft and noticed a collection from PMR PROGRESSIVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PMR PROGRESSIVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-01-27
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. (OR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an XXXX  card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I noticed there were 3 transactions maxed from XXXX in the amount of {$400.00} dollars each the location of the transaction was made in XXXX which I resided in XXXX CA. Immediately when I saw the transaction I called my bank and canceled the debit card I asked the representative I spoke to if I can do a deposit and they said I had to wait because the transaction were pending and there was a possibility that I can get my money back so I waited. Monday I placed my first dispute and Tuesday it was denied so I made another one that same day Wednesday it was denied. I asked to speak to a supervisor and explain the situation and told I have submitted proof of my ID, mail rental agreement showing were I clearly reside and police report and you are denying each rebuttal Ive submitted. I asked them to look in my history I do not have any transactions from XXXX and she clearly said yes, and it looks like those transactions have been made fraudulently and will submit another rebuttal and that was denied as well. Iv reach out to XXXX and they cant find the transaction in there system and I sent screenshots of the transaction that were made. They cant assist me.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/2023 RE : Social Security Number : XXXX and account reported from XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

XXXX XXXX
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc. (AL)

Upon checking my credit report. I see that it is a loan on my report from GM FINANCIAL i don't know anything about this car loan i do see that a family member name is listed as a coborrower. I did not purchase a car using GM. This is causing a lot of complication with me actually getting a vehicle loan. i see that on my credit that the account is paid in full due a settlement but i did not sign any contract with gm. i have a victim of identity theft. i was in the military and came back a lot of things was put in my name, my signature was forge and my account was used and compromised by this. i have a police report for identity theft. i am just now learning how to pull my credit. i am asking gm to please remove this off my credit permanently and put it on the person who is the co borrower on the loan credit. I was again do not know anything about this and would like GM to remove it.