davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

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 : 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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance Owed : {$590.00}, XXXX XXXX XX/XX/2022 XXXX XXXXE XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XX/XX/2022
Consumer complaint received 2023-03-10
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

I am the victim of identity theft. I noticed this account on my report in or about XX/XX/XXXX, I notified the company that this was not my account. It was expained that this was opened in XXXX. I explained that it is not my account and I was a victim of identity theft. I called daily over a span of 30 days, with no avail. I fianlly spoke to a supervisor Ms. XXXX on XX/XX/XXXX. I expalined that I had previously sent over all supporting docs and to remove this off my credit report immeditately. She explained that it could take up to 90days. I explined this was not accepatable and this was not my information.
Consumer complaint received 2024-03-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

This number calls from varius different numbers, but yesterday they called from a caller ID identifying them as " Comenity Bank ''. I provided my information reluctantly since they said I had to verify myself to gain information. 

I provided my current information, and then was informed that they were calling from Comenity Bank, and that previously charged off debt that I PAID, was returned back to Comenity Bank for XXXX and XXXX credit card, Express Credit Card with past due balances. I asked them for the date of last activity, they said XXXX, and that it was still in the reporting period. I then informed them that I paid all my past due debts and I owe no one. In addition to, I asked them to send me correspondence of the alleged debt, but was informed that they could not send me correspondence and that if I do not hear back from them in 10 days to call them back. 

I feel that this is fraud for a couple of reasons : Past due obligations to Comenity Bank for the above referenced accounts were paid and settled with Comenity directly in XXXX, and Comenity has verified that I do not owe them any past due balances. 

Additionally, when I asked the debt collector to send me correspondence to my current provided information that they took from me on the call during this conversation, the agent said she could not send me any paperwork. 

This is not in accordance with fair debt collection practices, and I feel that whomever this company is, is either committing identity theft ( since they stole my information ) and falsely stating that they are organically Comenity bank and not a third party debt collector, and they refused to send me paperwork after I asked.
Consumer complaint received 2023-05-16
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
has violated my rights. 

Name of Account Account Number. Balance XXXX Dept Of Ed XXXXXXXX {$630.00} Unverified Account XXXX Dept Of Ed XXXX {$5700.00} Unverified Account XXXX Dept Of Ed XXXX {$2500.00} Unverified Account XXXX Dept Of Ed XXXX {$6100.00} Unverified Account XXXXXXXX Dept Of Ed XXXX {$2700.00} Unverified Account US DEPT OF EDXXXX  Account XXXX Date openedXXXX Original balance {$4700.00} US DEPT OF EDXXXX Account XXXX Date openedXXXX Original balance {$500.00} US DEPT OF EDXXXXXXXX Account XXXX Date openedXXXX {$4700.00} 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAB, INC. (TX)

Rab calls themselves a 3rd party pre-litigation firm here in Texas. They contacted me about a debt that was 1 month old and didnt even get informed that it was going to be in collections until the day after RAB contacted me. Since then they have shown me and my family and whoever elses emails were on my illegally obtained credit report my bank information my addresses credit reports drivers licenses and so on including the original loan documents. All of which I never gave them permission to have and or gave bitty advance permission to share. RAB says by law they are allowed to have that information since its a commercial debt not doing their research and finding out my business is a sole proprietorship. Beyond that some of those emails I dont even know others belong to my family members who they sent all this information to breaking the privacy act disclosing everything about me to XXXX knows who. Intimidating tactics such as threatening UCC-1 liens and seizure of assets telling me how much is in my bank accounts and everyone else in my family as well. Who knows what will happen next considering I dont know who all has my information again cause I dont know have the email addresses on there others belong to my father ( same name ) mother brother sister wife and so on.
Consumer complaint received 2023-05-15
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Back in XXXX of XXXX I went to a Victoria 's Secret store to pay my balance in full on their credit card. I asked the store clerk to let me know how much money I owed, and I was given an amount. To make sure it was the full amount, I had the clerk triple check the balance was the full amount. After she gave me the balance amount, I paid it off. After that, I never used my card again. 

Sometime after I paid off my card, I found out that the Victoria 's Secret account balance was over {$400.00}, and it was a charged-off account! I spoke with Commenity Bank who is the issuer of the XXXX XXXX XXXX credit card to figure out why there was a {$400.00} charge-off on my account. In all seriousness, I thought I had been a victim of fraud. Either someone took my card info and used it to purchase clothing, or the store clerk had taken my money and never really paid off the balance on what I owed. My mind was racing. 
It turns out, the truth was much simpler and more unbelievable. 

Commenity bank told me that I had in fact paid off my card on XX/XX/XXXX of XXXX, and that the balance was at {$0.00} when I did, but that at the end of the billing cycle, they had charged me {$2.00} of interest. I couldn't believe it. I asked them why they would charge me interest after the balance was fully paid off, and they never gave me a good explanation. Those {$2.00} in interest which were added to my card balance weeks AFTER I had paid them in full then eventually became {$400.00} due to late fees and penalties. I fought with Commenity Bank for months and never got anywhere with them. They refused to fix anything and said it was all my fault. 

I'm not perfect and I know I don't have perfect credit. I have had many situations in my life where I have had to struggle financially over the years and my credit suffers due to it. Therefore, I won't pretend like this is the end of the world for me. What I will say, however, is that me causing damage to my credit is one thing, but a creditor causing damage to my credit for their terrible billing practices is another. You can't charge someone interest weeks after the balance on the card has been paid in full. To do so is predatory. And in the end, damaging my credit further for their mistake is still a harm to me. This particular harm cost me XXXX points from when I had paid my card in full, and when they started reporting multiple late payments on my report.

Please get them to remove this account from my credit report and remove the balance on it. I know that if this balance remains, they will eventually sell this debt and then I'll have a collection on my credit report for something I don't owe which will cause even more damage.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OR)

I was told that I can remove my impound account later with my 25 % down payment. XXXX years has past since and still US Bank won't do it unless I pay them {$1000.00} and there is no where on my documents saying that I have to pay this cost.
Consumer complaint received 2023-06-16
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. (TN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I applied for a loan modification over a year ago. I have completed the package three times and sent all require documents requested by the mortgage company. Each time about three months into the process they closed the modification for missing documents. 
They do not response to email, fax, are phone messageXXXX mail. I call they put me on hold for hours then they said call back in 5 days. Over a year it is impossible to get a application in their system. They are raising my payment every six months which raise my payments by XXXX. My loan is current so do not care.
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. (IL)

I have been trying to remove these inaccurate charges from my credit report since XX/XX/XXXX with no reconcile to the matter at hand. My personal information was compromised in XXXX and fraudulent items appeared on my consumer report..I wrote to the credit bureaus in XXXX and never got a response..these fraudulent items are causing me hardship and I would like to rectify the situation before further efforts are taken to have items removed.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Has violated my rights 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (TN)

On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from Tasman Credit Corp and stated I owed a debt to XXXX. I asked the representative for more information and was told they represented Credit Corp Solutions. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe XXXX. My XXXX balance shows XXXX. I believe this to be a scam.
Consumer complaint received 2023-06-16
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. (NJ)

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 correction 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
Consumer complaint received 2023-05-16
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. (AL)

Someone fraudently opened accounts using my information. XXXX XXXX XXXX {$640.00} XXXX XXXX {$800.00} & $ XXXX XXXX XXXX {$610.00}, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} and a lot of inquiries some from the same company repeatedly.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have a bankruptcy reporting to my XXXX credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to lexis nexis they also are stating I do not have any public records.
Consumer complaint received 2023-03-10
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. (IL)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/XXXX my XXXX XXXX  daughter deposited a {$200.00} check her grandmother gave her for XXXX. However, on XX/XX/XXXX her bank, Capital One, made an " adjustment debit '' for the same amount claiming that the " check [ was ] deposited twice. '' On XX/XX/XXXX, her grandmother asked XXXX XXXX, Store Supervisor of XXXX XXXX, to investigate this matter. XXXX XXXX created case # XXXX and wrote a letter stating that the {$200.00} check was drawn on XXXX XXXX  on XX/XX/XXXX and that " this is the only activity on XXXX  statement for this transaction. '' On XX/XX/XXXX Capital One wrote a letter responding to my complaint. In this letter, they claim that " the check totaling {$200.00} was originally presented to Capital One on XX/XX/XXXX, and then presented at another bank on XX/XX/XXXX. We were then notified on XX/XX/XXXX, by the maker of the check and reversed funds. '' I've asked Capital One several times to provide evidence to support their claim, but they have failed to do so. 

As stated above, the check was written by my daughter 's grandmother using her XXXX XXXX checking account. Capital One 's claim that " we were... notified on XX/XX/XXXX by the maker of the check '' that the check was presented twice for payment is evidently false because XXXXXXXX XXXX has no record of such alleged second attempt. Also, according to the grandmother 's bank statement, the check was debited only once from her account. 

In sum, Capital One pocketed {$200.00} that belong to my XXXX XXXX  daughter making the false claim that the check was deposited twice when in fact it was presented only once for payment at XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BARCLAYS BANK DELAWARE (TX)

My wife and I are both XXXX veterans and I am still active with the XXXX XXXX. What the people at XXXX have done to us is abhorrent. All the people at that company have done to us over the years is lie and take advantage of us. We haev written a letter outlining all of our issues and are happy to provide whatever we can to make this right and cancel out our entire ownership.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Longhorn Asset Management LLC (CA)

Company popped up on my credit report without any communication to me and I dont even know who they are no notice I havent received anything to my home which I have been here 15 years or more I tried to dispute it on my XXXX they said I have nothing in collections but the company is there