davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (CA)

I have contacted Equifax on three separate occasions about 2 weeks apart, I sent in the required documents to verify my identification and yet they still refuse to : 1. Release my credit score and profile on their site www.myequifax.com 2. Failed on 3 documented request to remove the suffix at the end of my name, I am not a XXXX and I have send supporting documents and they simply don't care to follow the laws of accurate credit reporting. 
3.Latest request on XX/XX/2022 confirmation number XXXX, shows the receipt of my documents that shows no XXXX on my name and their response was that they still have creditor with there company that has me with accounts in that name and refuses to remove it.
Consumer complaint received 2022-06-02
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. (MS)

XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

The two avante medical collections that Im sure are not mine. Collections have fallen off through out the years but I have not been to the hospital in several years so i dont know why they are popping up on my account. The other two XXXX Im still in the process of paying I know those are most likely mine, but the other two are really suspect to me because they popped on my account out of no where.please help me underStand whats going on here. Im really upset medical accounts keep popping up when I havent been to the hospital in years
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal close my account on XX/XX/2020 for no reason and will not help me with getting it back up and going, with an amount of aproximately $ XXXX.i am not sure if this is some mistake as i assume it has to be.I have not able to get help from them for months, but i just remembered i could file a report on here as i feel they are not doing there job properly and it is affecting me a great deal as i used paypal quite frequently.My email linked to paypal is XXXX.
Consumer complaint received 2021-03-22
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: Resurgent Capital Services L.P. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING LLC XXXX ... XXXX  XXXX/XXXX  XXXX ... XXXX  XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all 3 credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under XXXX twice which is showing duplicated accounts.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (LA)

How in the XXXX do you know how to fix the problem if I cant give you any personal information of who I am does not make any sense at all but anyway the money source reported that the loan was delinquent of {$25000.00} when my loan is in process of loan mitigation because the stupid company let the paperwork sit on the desk and we had to redo it but I was assured of the company that it was being handled and she knows who she is by the name of XXXX at XXXX XXXX, that it was handled, but they still reported us as delinquent I need it off the credit report immediately not only that, they dont need to be in business, But I have been making payments and they know that the right hand doesnt know what the left hand is doing they need to get their XXXX together!
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Some one opened a XXXX XXXX account in my name. This account was sold to Portfolio Recovery Associates. I XXXX not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (AZ)

I requested my annual free credit report, XXXX, Experian, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone
Consumer complaint received 2022-06-02
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-03-22
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. (NV)

Im submitting this complaint against Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I XXXX XXXX enter into a consumer credit transaction with Capital One Bank on XX/XX/2016. A consumer credit transaction is an transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges a consumer credit transaction. I know the finance charge the sum of all charges I was not expecting a bill with Capital One. Capital sent a bill which is a violation according to 15 USC 1692b
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

EQUIFAX HAS HAD MORE THAN 30 DAYS TO SUPPLY STATUS OF MY DISPUTE WHICH THERE ARE MULTIPLE ITEMS CONTAINED IN THE DISPUTE CONCENING EACH AND EVERY DEGATIVE ITEM REPORTED ON MY LAST CREDIT REPORT. AT THIS POINT EQUIFAX IS IMPAIRING MY ABILITY TO PROPERLY CORRECT MY CREDIT REPORT & CREDIT SCORE, THIS IS CAUSING ME FINANCIAL INJURY ; AND THEREFORE EQUIFAX 'S ACTIONS AND/OR LACK THEREOF IS ADVERSELY AFFECTING MY CREDIT SCORE ; MY PREVIOUS COMPLAINT TO THE CFPB WAS FORWARDED TO EQUIFAX AND ACCORDING EQUIFAX WAS ALLOWED ADDITIONAL TIME TO COMPLETE THEIR INVESTIGATION. NOW EQUIFAX IS STILL LAYING AND REFUSING TO COMPLETE THE INVESTIGATION SAYING I NEED TO FURNISH " INDENTIFICATION '' CONSISTING OF A PAY STUB AND/OR A W-2 FORM AND OR A VALID SOCIAL SECURITY CARD WHICH I DONT AGREE TO PROVIDE AS I DO NOT CONSENT TO EQUIFAX USING MY IDENTITY NOR MY CREDIT CARD ; THEN EQUIFAX WANTS MY CURRENT ADDRESS ON A DRIVER 'S LICENSE AND/OR A RENTAL AGREEMENT OR HOUSE DEED, OR PAY STUB WITH ADDRESS AND/OR UTILITY BILL, I DONT HAVE ANY OF THOSE. I'VE SENT EQUIFAX A COPY OF MY BANK STATEMENT AS PROOF OF ID AND ADDRESS THAT'S ALL I CAN AND/OR INTEND TO PROVIDE TO THEM. AS FAR AS I'M CONCERNED EQUIFAX HAVE HAD AMPLE TIME AND INFORMATION TO DO THEIR INVESTIGATION, FURTHER DELAYS IN DOING SO WILL NOT BE TOLERATED ; I DEMAND THAT SINCE THE INFORMATION OR LACK THERE OF IN EQUIFAX 'S RESULTS BE UTILIZED AS IS, AS EQUIFAX REFUSES TO VERIFY THE INFORMATION ON MY CREDIT REPORT AS 100 % ACCURATE, THEREFORE I ACCEPT THAT EQUIFAX HAS CERTIFIED THAT NONE OF THE INFORMATION ON MY CREDIT REPORT IS 100 % ACCURATE AS EQUIFAX HAS FAILED OR REFUSES TO INVESTIGATE. WHEREFORE I DEMAND THAT THE CFPB REMOVE ALL NEGATIVE CREDIT REPORTING FROM MY CREDIT FILE AND ADJUST MY CREDIT SCORE ACCORDINGLY AND DO SO WITHIN 3 BUSINESS DAYS OR 72 HOURS FROM NOW IN ACCORDS WITH TILA ; FAILURE TO PROCEED AS I DEMAND WILL GIVE RISE TO CAUSE OF ACTION FOR A CLAIM AT LAW AGAINST ALL RESPONSIBLE TORTFEASERS FOR DAMAGES.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

Comenity bank took over for the XXXX on an XXXX XXXX card. They made an error in billing. I have called them several times and written multiple times. They do not get back to me. Instead, they bill me interest and late fees. I can prove that I am right, but I can't reach a person at Comenity who would have the authority to change/correct the statements that I receive. I have cancelled my credit card, but the dispute continues.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC (NV)

In XX/XX/XXXX I was called by CDS XXXX who reported to have been referred to me through a recent XXXX XXXX XXXX XXXX. They claimed that if began paying them a monthly fee of XXXX Dollars for 6 to 18 months, I would resolve my XXXX XXXX credit card debt with XXXX XXXX. I was advised to pay this through an ACH check tht they cashed every month for a year. My credit score would be improved be either A ) Canceling the debt through requests to the 3 credit bureaus or B ) settling the debt amount with XXXX XXXX if the first option was not successful. I was advised to stop paying the credit card debt and avoid contact with the creditors/ advise them I am now working with CDS financial. In XX/XX/XXXX XXXX XXXX claimed that my account was now resolved and my credit score was XXXX points higher through the credit monitoring service they offered. My credit score is XXXX points lower on all other services such as XXXX and XXXX XXXX. In XX/XX/XXXX I was served with a Law suit for the credit card debt. Since then, XXXX XXXX has written a fraudulent letter stating they are negotiating a debt settlement with XXXX XXXX. I am now forced to pay this debt through a law suit. When asked for a refund due to the lack of services provides, they reported they could not refund any money because the account was closed in XXXX, They have not offered any help and have avoided contact since this. They have simply taken over XXXX of my money and advised me to damage my credit score. I now understand credit repair is a very unregulated market and is exploiting vulnrable people trying to rebuild their financial wellness
Consumer complaint received 2021-03-22
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: CREDIT ACCEPTANCE CORPORATION (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... CREDITACPT XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-22
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. (FL)

XXXX  account I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MO)

In XXXX of 2019 I traded my leased vehicle in early for a new lease at XXXX XXXX of XXXX, Mo. months later it showed up on mine and my husbands credit scores that we were 2 months late on payments as we had a joint account. We spoke to the manager at XXXX XXXX and all he said was sorry they salesman you had never filed the paperwork to transfer the loan so it looks as though you were late on the payments?! He said he couldnt fix it!!!! This is the only negative thing on my credit in several years, I would like it removed as it inaccurate and I am not personally responsible for it! Also the vehicle we traded the lease in for went through GM as well so they can see the date of return on the previous lease!!!