davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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. (MD)

On, XX/XX/XXXX I mailed a certified letter to Equifax, and XXXX XXXX XXXX to investigate the information that is reported on my Equifax and XXXX consumer credit report from the company XXXX XXXX. I paid all payments on time, I was never late. According to my Equifax credit report ( Date of first delinquency report XX/XX/XXXX ) which is inaccurate. Two weeks later an I still have not heard anything from both credit reporting agencies. I tried calling on XX/XX/XXXX an a Equifax customer services representative stated they did not receive a dispute letter from me. When I called XXXX on XX/XX/XXXX ; they stated that I have to wait for a letter in the mail. I also mailed a dispute letter to XXXX XXXX for them to validate and provide proof for what they are reporting on my credit report, and yet I still have not heard or received proof of what is being reported. XXXX XXXX   is report inaccurate information on my credit reports.
Consumer complaint received 2021-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I thought I had to recertify my XXXX plan with FedLoan, because the Cares act made it unnecessary in XXXX. They sent me a letter that my income based payment has doubled, and that its due XX/XX/XXXX. This was, and is, before the CARES Act was set to expire first XX/XX/XXXX and now XX/XX/XXXX. When I called to point out that this due date is within the Cares Act relief, I was told its my own fault for recertifying early, & my payment is due XX/XX/XXXX. When I asked to speak to a supervisor, I was hung up on.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Tried to get my annual free credit report from Equifax using the free report website. Constant for pay pop-up and ads try to redirect you. This should be a secure site free from all the XXXX. I was denied my free report for unknown reasons. I will be complaining to my congressional representatives and senators.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

2019 Synchrony Bank came up with bogus reasons to cancel ALL of my Synchrony credit cards 1. Old Navy {$500.00} 2. XXXX XXXX {$7000.00} XXXX. XXXX XXXX {$1000.00} 4. TJ Maxx {$1500.00} When almost {$10000.00} in credit is taken away and the consumer 's credit to debt ratio is seriously impacted, we seem to have no rights to reverse these decisions. Believe me, I tried. I just got more letters saying " refer to the terms and conditions of your cards ''. We are able to do this and we don't need to let you know the reasons. Really? That is not fair and the consumer is out of luck altogether.
Consumer complaint received 2021-12-22
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. (TX)

I have filed numerous disputes with XXXX, XXXX and Experian and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that 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 XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX BANK XXXX XXXX I The reporting of these accounts are also violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. XXXX Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated XXXX
Consumer complaint received 2021-12-22
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. (TX)

I have filed numerous disputes with Equifax, XXXX and XXXX and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that 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 XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX I The reporting of these accounts are also violations of 15 XXXX XXXX XXXX The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. 10 Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated XXXX
Consumer complaint received 2023-01-20
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. (TX)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting 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
Consumer complaint received 2022-10-11
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. (FL)

I have a dispute with Experian about a debt collection from XXXX. I dont make any contract and I dont know nothing about XXXX wireless XXXX I sent my paper to experian. The experian investigation said that the information is accurated and put it on my report. Experian is not a judgment instance. I want you help me making Experian erase this bad and false info on my credit until a court house say the opposite please.
Consumer complaint received 2024-02-20
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. (OH)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

I was not able to work due to me and my family having XXXX. I contacted my auto loan company and they refused to assist me with options for payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a XXXX XXXXt on XX/XX/21 my son was hospitalized with XXXX in which I stayed with him until XX/XX/21. I am unable to return to work until XX/XX/21. I notified the company and they falsely advertised that they will help customers with payment options during the pandemic. Ive called them multiple times and the agents would not let me speak to a supervisor. XXXX was the last representative.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Greyhound Capital Group LLC (GA)

On my background shows I was charged with a XXXX case I have taken this to trial and found not guilty of all charges and would like information updated .this information should not be considered in hiring me with in companies.
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (CA)

First point is reporting information regarding a debt that does not belong to me on my credit report. I have contacted them to let them know about this fraudulent activity and they have not removed it. I have requested proof of signed contract or picture ID shown at time of service. And have not received anything. I want this fraudulent account removed immediately.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : CREDIT COLLECTION SERV
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TX)

Discover has my card locked because of this IRS consent form to access my tax records. They are threatening to close the account in XXXX if I don't give them access to my tax records. They stated they need to verify personal information and the IRS is the ones they trust to provide that. They didn't use the IRS when they issued these cards, they was able to verify you without the IRS so, why you need them now. If they close my account that hurts my credit score and I'm in a program to repair my credit and buy a house, I can't afford to have this hit now.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I have attempted to resolve these accounts with this collection agency multiple times. I have asked for proof and proof of consent of access to my medical information for the alleged debt. I have told them and provided them with information in regards to my attorney for any medical bills related to a work injury. They still failed to provide any documentation after the fact and continued to attempt to collect this alleged debt. Anything related to this case has be ruled by a judge to be covered and paid by copperpoint insurance. I requested proof of consent for them to have access to my medical information under HIPPA and proof of my liability which they responded " As you are already aware ... ... .ARS has verified this information with our client... .. '' such statement does not provide any proof. I requested this on XXXX, XX/XX/XXXX, XXXX with the same exact response each time. Their response is unacceptable and I continue to get the same letters on a monthly bases. I called them the month of XXXX in XXXX letting them know decision of the judge as well as my attorney information prior to them I had already given them my attorney information letting them know I was in litigation for this matter. My date of injury was XX/XX/XXXX which has resulted in numerous emergency visits after the injury date which the dates listed on there documentation was a resulting visit of that injury as well. Therefore is not my responsibility as ruled by the judge.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Social security numbers on my account and on my husband 's account at Equifax, XXXX, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.
Consumer complaint received 2023-01-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXX AND XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.