davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

I receive child support through a prepaid Debit card program ( way 2 go ) I saw a transaction I did not authorize. ( XXXX on XX/XX/XXXX I barely make it getting by just to live so shopping on the Internet is out of the question. As I was on hold I noticed another XXXX on XX/XX/XXXX came out. I need that money back bad. I have kids I have to feed. A lady I spoke to said I didnt have an account, I have had that same account for years. I could not understand her either. The call ended but not by my end and here it is Tuesday XX/XX/2020 I have called and called and called and have been on hold for hours all together still I have not gotten in touch with them
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management summoned me a XXXX XXXX case no. : XXXX on XX/XX/2023 at my XXXX residence and they put me as one of my employees- XXXX XXXX XXXX XXXX They required to serve an Answer to Writ on Midland Credit Management , Inc within 20 days. Since I dont have any idea of what is happening, I dont feel comfortable to provide all her personal information to them. However, if I am failed to do so, XXXX XXXX will be the one to take care of the loan. This is absolutely ridiculous. I would like to officially file a complaint against them. Thank you so much for your help!
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America opened a fake account without my consent on XX/XX/. I have to make many calls and trips to branch office to get it closed. At first I thought it was because of identity theft and I have to close down all accounts with BOA and freeze my credit with the bureaus. It was until recently that I learned from the news that BOA was sued for opening fake accounts and trying to charge fees. I am the victim of BOA 's sneaky act and please urge BOA to compensate me for the damage. 
Thanks, XXXX XXXX
Consumer complaint received 2021-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by Resurgent Receivables LLC. Resurgent is claiming that I owe a debt from XXXX XXXX  ( XXXX XXXX ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in 2014. XXXX XXXX, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from XXXX  XXXX dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.
Consumer complaint received 2021-01-03
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. (NC)

To Whom It XXXX Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, Equifax, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-03
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. (NC)

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXXXXXX  My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, XXXX, and TransUnion several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I opened an account with chime about two years ago I been getting direct deposits for a year and a half ago. Same job same direct deposit for them years. Just recently out of nowhere chime told me that my bank account is Incompliant with there service out of nowhere and my account was put on hold. They asked me on XX/XX/2020 at XXXX XXXX  that I had Unusual activity on my account and I had to send the current document. A picture of my ID Proof of address and proof of the funds in the account. So I called immediately and they basically told me the same thing so the next day XX/XX/XXXX I sent them a picture of my ID My national grin bill with my address and my name on it and also my paystub. Then the same day the replies and say I need a picture of my ID with me holding it. So I sent that then Three days go by ( Today ) I get a email saying my account has been closed and the money thats in the account is none refundable. I asked for a supervisor he told me nobody can touch the account and my money is just their in the account and I cant get it back. I asked for them to send it in paper check and all. Then I asked the supervisor how is my account Uncompliant he couldnt even give me a answer of how. When I looked online I wasnt the only person chime has closed account for no reason and has took thousands of dollars from other individuals This bank chime Banking services provided by XXXX XXXX XXXX or XXXX XXXX, XXXX, Members FDIC. The Chime Visa Debit Card is issued by XXXX XXXX XXXX  or XXXX XXXX  pursuant to a license from Visa U.S.A. XXXX. 

There support number is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2021-01-03
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. (PA)

Please remove any variation of my name that are not XXXX XXXX XXXX I have attached my birth certificate. 


Please remove any addresses that are not XXXX XXXX XXXX XXXX PA XXXX. 

I have attached my Drivers License.
Consumer complaint received 2020-10-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (WA)

On XX/XX/2020, I paid the amount in full of {$3900.00} for a delete letter and deletion of the debt off my credit report and it was never done. 

XXXX XXXX, I sent out a verification letter to prove the debt or deletion in 30 days and they never responded. 

XXXX XXXX I sent out another verification letter to prove the debt or deletion in 30 days and they still never responded. 

I need the entire account deleted off my credit report.
Consumer complaint received 2021-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

Hello I called the debt collection wakefield & associates many Times since XXXX and XX/XX/2020, I was asking to mail ME my debt writing paper/Bills but until now I still have Not recieve it I called them almost everywerk to requests Bills paper but I never recieve anything. I am more Than willing to pay what I owe but for my own protection and Record I would like to recieve a Bills but How can I pay a debt that I never see?? Never receieve Call, Bills or anything I only found Out thru checking my credit report. I Dont Know what to do Im planning to buy House but MY credit score affecting My and my life. Please Help ME Out by the way they say I owed {$1200.00}
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

Experian has no credit score for me and it's stopping me from a loan or anything they have same info as the other agencies and they both have scores for me I need this fixed
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

This is my Final Notice to Experian on incorrect Names spelling and addresses. 

My Name is XXXX XXXX XXXX and I have attached proof. Any other variations must be removed. 

My addresses for last 20 years has been the same. XXXX XXXX XXXX XXXX PA XXXX. 
proof is attached. 

All other addresses must be removed.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CO)

The company name SEQUIUM ASSET SOLUTIONS is charging me {$60000.00} on the name of XXXX XXXX XXXX XXXX XXXX I vever used XXXX and i ready contact XXXX and XXXX XXXX XXXX  and they do not have an account with the number provide true SEQUIUM ASSET SOLUTIONS.. 

Also i read a lot of complaint about this company, people are saying they are scams.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report. 


Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the Equifax Data Breach and may have got into the hand of the wrong person.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 : XXXX XXXX XXXX # : XXXX Account : XXXX XXXX XXXXXXXX XXXX Acc # : XXXX Account : 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 state : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX & XXXX way to go on not doing what the law requires. Experian - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX  XXXX  and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!
Consumer complaint received 2021-01-03
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. (PA)

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 report. I reported the theft of my identity to the federal trade commissions and i have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

I understand that I have an installment loan with the company I have spoke with employees of the company to let them know whats going on but obviously they dont care. On XX/XX/2020 I was called by this company on my call phone in 1 day 12 times and every phone call was less than 2 minutes a part why? I feel like those are harassing calls and I want to file a complaint. Not only have they harassed me they have harassed a family member with giving me a third party not affiliated with the borrower account all her personal information called me at my place of employment to give a message to the other party Why? Im being harassed and they have violated me and Im XXXX.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have proved over and over again that this public report is indeed unverified account that needs to be removed Experian continued to Mark this as verified even after I showed them proof that nor XXXX XXXX  or the Bankruptcy Court has this information I have sent them the proof of my other scores with XXXX and XXXX  which are not showing no public records or student loan I am a victim of identity theft.
Consumer complaint received 2021-01-03
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. (PA)

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 report. I reported the theft of my identity to the federal trade commissions and i have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-03
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.