davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (AR)

This is my fourth attempts 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are inaccurate and needs to be removed : DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

Again, synchrony bank did what they do best. XXXX XXXX XXXX XXXX XXXX customer 's credit score by closing accounts that are in good standing for no reason. This time they closed my lowes account for no reason, like they did the first time they closed another of my accounts that was in good standing. 
I know that my complain it will be XXXX ignored like the first one I did because I. Our country only the powerful prevail. At least I am doing my part my taking steps for you and everybody to know the pieces of garbage thar synchrony is.
Consumer complaint received 2023-01-25
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. (CA)

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 FIN # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX 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 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 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 2017-10-25
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: Receivables Performance Management, LLC (TN)

When I viewed my credit report after I had difficulty leasing an apartment for my family, I was shocked and dismayed to see a collection account on my credit report for XXXX that has been given to some shady sounding company that does n't have a real name. The name is the following : Rcvl Per Mng I contacted Rcvl Per Mng at the number listed on my credit report, and they could not verify this and said to call XXXX. I called to XXXX, and they said to call the collection agency. 

I have never had a XXXX account, only XXXX in my whole life. 

A quick XXXX search leads me to believe that this is actually a company called Receivables Performance Management. They are clearly trying to hide who they really are by not having their real name on the XXXX report. 

I would guess they are not licensed to collect debts in Tennessee.
Consumer complaint received 2023-01-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-05-19
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (SC)

My debt went into collections for a vehicle I willfully returned. I have been trying to contact XXXX XXXX XXXX to try to settle the account and clear it up but those attempts have been unsuccessful. I have called my original debtor, XXXX XXXX, and they said they no longer hold my acct and I need to contact XXXX. XXXX provided me with two phone numbers, ( XXXX ) XXXX and ( XXXX ) XXXX. I have tried numerous times and neither number is working. I also tried emailing them via their website and no response to that either. I XXXX   them and they seem to be caught up in some legal issue for running a ponzi scheme or something like that. How can I clear up an account and I can not get in contact with the debt collector. 
I do not have any documentation that I have ever received from them. 
Please advise what I should do next.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-25
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. (NY)

Equifax responded they a fraudulent account XXXX XXXX  to belong to me. I will state again, I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2017-10-25
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. (TN)

Earlier this year I submitted a dispute on the grounds of ID theft to all three credit bureaus. XXXX and XXXX  did their due diligence of thoroughly investigating and removing unauthorized accounts included in the claim, however Equifax still reports two accounts that are not only unauthorized but have no phone number, address, name of collection agency or original creditor on the accounts, yet claim that they " verified '' that these accounts were mine. How? If they send me a report with no contact information for the alleged debt and collector, how did they verify it. Their reporting of these accounts are in direct violation of the Fair Credit Reporting Act that all accounts must be accurate and verifiable. How are these accurate without the name of the debtor, an address or a phone number. I even asked to show me their proof of their method of verification of the debts which they have not. Therefore, by law these accounts must be removed and I expect them to do so immediately. No more 30 days of an investigation. They 're time is up. Remove them or I will sue. And another lawsuit is the last thing Equifax of all CRAs needs right now.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I used my card overseas, and purchased was denied first place and left the shop and then i see charges appeared into my statement, so requested fraud charges to the chase and they took care of it temporarily, and then rebill again for the same amount with out any valid proof and called them to send me proof i never signed and never received merchandise.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX CAPITAL ONE AUTOMOTIVE Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Automotive CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX THESE ARE ALL UNAUTHORIZED HARD INQUIRES MADE ON MY CREDIT REPORT
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc. (NC)

I am not aware of this issue, I have tried to call and communicate with the company, unsuccessfully .I have been a victim of data breaches and have been contacted about someone having all my information trying to purchase a phone online.I don't know if it was someone I know or a stranger. I put a lick on my credit as soon as I was contacted. 
Don't know what else to do
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

Account XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 2. XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 3. Dept Of Ed Acct # : XXXX Balance : XXXX 15 USC 1681 section 604 states rights to consumers privacy Reporting agencies can NOT furnish an account WITHOUT MY WRITTEN CONSENT!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Conserve. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Consumer complaint received 2024-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION (FL)

I am disputing the account with SUNCOAST CU, account number XXXX, opened on XX/XX/2022, with a balance of {$0.00}. It has come to my attention that someone has fraudulently applied to attend school using my personal information, despite the fact that I have never been enrolled in any educational institution. Despite my attempts to resolve this matter by contacting SUNCOAST CU, I have not received any resolution. I want to emphasize that this account is unverified and does not belong to me. I demand an immediate investigation into this fraudulent activity and urge SUNCOAST CU to cease any further actions related to this account. I expect a prompt response and the removal of this erroneous information from my records.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (WA)

The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; XXXX, Experian and XXXX regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single one of these dispute letters. I received no response from XXXX, Experian or XXXX from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the XXXX, Experian and XXXX. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased and pay off a XX/XX/2008 XXXX XXXX. It was financed with Santander Consumer. I made payments on time. However, Santander Consumer is reporting to all credit bureaus agencies XXXX late payments. This negative feedback is affecting my credit report. I am not able to get approve for a new car loan. I need a new car in able to go to work. I am desperate and I need your help. I have done some research and it seems that Santander Consumer is notorious for malpractice with consumers. 

Below are several sites that show filed complaints against Santander Consumer. 
XXXX
Consumer complaint received 2022-11-23
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. (WA)

The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; XXXX, XXXX and TransUnion regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single one of these dispute letters. I received no response from XXXX, XXXX or TransUnion from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the XXXX, XXXX and TransUnion. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I never initiated a loan with XXXX, but they refuse to acknowledge that this is an error or fraud. the company that actually sold the product agreed that this was in error and credited /canceled the order. XXXX, the loan company will not remove it from my credit report and continue to harass me for payment. 
i have filed a complaint with the XXXX  ( complaint # XXXX ) i have also filed a complaint with the Attorney General consumer protection ( complaint # XXXX )