davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-15
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.
Consumer complaint received 2021-03-21
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. (GA)

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MI)

US Bank opened a credit card fraudulently. I ever knew about this credit card. I have filed a complain for identity theft. They report to credit Bureau and my credit score dropped significantly. They are saying they are still investigating and are not providing any help in this regard. Their identity verification has major loop holes and i have been victim of their faulty system. I am trying to buy a house and they messed up my credit score
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

I have been disputed information on my credit report with Experian for the past 2 years. Every dispute after submitting a copy of my Driver 's license, SSN and address verification. Experian continue to send me a letter to verified my identity and insisting that the address on my credit report is actually a new address that need to be verify. This company is using tactics to prolong the matter as long as possible with rectifying and reporting accurate information. I need information that you have to continue insisting in reporting accurate information compare to XXXX and XXXX. 
I have attached the letter they keep sending me whenever I placed a dispute for the past 2 years, and then after 30 days another letter is sent that information was verified which is incorrect and accurate because no investigation is perform. All reporting agencies obligation are to report verified and accurate information but Experian continue to insist on reporting inaccurate information.
Consumer complaint received 2020-03-28
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. (FL)

id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX  XXXX  XXXX XXXX {$6300.00} XXXX XXXX XXXX. not my account. fraud account
Consumer complaint received 2022-03-24
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. (TN)

Experian, XXXX are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification Experian and XXXX are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ XXXXand not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX XXXX  to prevent form being rejected as a repeat complaint XXXX also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCS, Inc (IA)

Noll Credit # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.
Consumer complaint received 2022-03-24
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. (NY)

I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I recently received a letter from Mr. Cooper stating that " our records show that your hazard insurance expired '' and " we plan to buy insurance for your property ''. I had paid the insurance premium ( due XXXX XX/XX/2021 ) on XXXX XX/XX/2021 and the policy has been in force continuously with the same carrier ( XXXX XXXX XXXX ) since I bought the property 10 years ago. I have uploaded proof of payment for the insurance along with the declaration page. Mr Cooper recently took over the servicing of this loan from XXXX XXXX XXXX ( who are on the mortgage clause on the policy ) at about the same time that the policy renewed so I suspect this caused confusion at Mr Cooper. That does not give them the right the threaten me with forced placed insurance as I have done everything that I was supposed to. I attempted to upload the proof of payment and declaration page to www.mycoverageinfo.com/mrcooper multiple times as requested in their letter but the website issues an " unexpected error '' - see attached screenshot.
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In late XX/XX/XXXX, XXXX contacted me and requested a {$10.00} payment and then another {$150.00} payment on XX/XX/XXXX. On XX/XX/XXXX, they cancelled my account and did not appear to take the money out. On the same day, their authorized dealer that initially set up my account, advised me of the disconnected account which confused me given the arrangement on XX/XX/XXXX. XXXX from XXXX XXXX in XXXX GA, an authorized XXXX dealer, told me that XXXX disconnected my account and she did not even see the payment. She then advised me that I could start new services with her. I was going to move forward. 3 days later my account was debited by XXXX XXXX but my account was still disconnected. Due to this error and lack of communication, my account was overdrawn and I was charged fees. I called the XXXX dealer and XXXX XXXX who BOT admitted they caused the error and XXXX XXXX agreed to refund my money in 3 business days. That turned into 14 days which has now turned into nothing. On XX/XX/XXXX, I called XXXX XXXX with XXXX ( XXXX Dealer ) and we discovered that, as they previously admitted, they owe me the refund but now are unable to send it due to their system errors and employees that basically screwed the account. XXXX XXXX told me to go to the XXXX dealer. The XXXX dealer bounced me back to corporate. So i just dispute the charge with my bank because I was charged for something and did not receive the service! I disputed on XX/XX/XXXX with BOA. On XX/XX/XXXX, today, I received the usual notice that the claim could not be paid because it was authorized. I call in and speak with XXXX ( XXXX ) and am told that because it was an ACH transaction basically it is ok for the merchant to take monies from me and not provide a product or service. Bank of America is the worst and THIS TIME I am closing ALL of my accounts! WHY does BOA make consumers FIGHT against businesses with no integrity. It should be open and shut- no services or product, no money! Instead, the make ME fight to get my money back! I have not been able to resolve this with XXXX XXXX, the dealer, or BOA. These type of experiences make the greed and lack of integrity in the world much more disheartening!
Consumer complaint received 2022-03-25
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. (MI)

XXXX XXXX XXXX, These are the dates I submitted written dispute letters to Equifax Credit Bureau regarding XXXX XXXX XXXX reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have reached out to the credit bureaus of XXXX and XXXX for the account of the Kohls/ CapOne charge card that is listed under me. I have sent numerous validation letters to both credit bureaus and recently on XX/XX/2021. I've sent a letter to XXXX and XXXX about the account that they are penalizing me for hoping they would oblige and acknowledge the errors I sent to them that relate to their account. As of yesterday ( XX/XX/2021 ), I have heard from both credit bureaus XXXX and XXXX stating that the account is to be updated. XXXX received my letter of the account asking to be removed because of lack of information, errors, and missing information, a normal dispute takes up to 30 days for processing. Now XXXX did not process my dispute letter until XX/XX/2021, XXXX got back to me with that dispute letter with results on XX/XX/2021. That was not a proper investigation to me nor the protocol that is stated by law by the Fair credit billing act. The same information that was listed in the letters that had my concerns relating to that account, was not updated nor replace with information that is able to see or provide where the information was gotten from.
Consumer complaint received 2021-03-21
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. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.
Consumer complaint received 2020-03-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX i purchased a vehicle from XXXX  XXXX  XXXX  located at XXXX XXXX XXXX XXXX fl XXXX. I wanted to do in house finance nut went i got there that day i was told that i lives to far for in house so my only option was to finance the vehicle so they informed me that my loan was going to be through Westlake financial in CA. And that i would receive a call the next day so i called Westlake financial and was informed that they needed to gather some information like where i worked to verify my income and how much i put down on the car which was XXXX down payment and XXXX for the tag fees. I kept getting the same answers from Westlake financial everytime i called that my loan was denied because the dealer never faxed the paper work and that they couldn't reach my references i had my references call Westlake to verify because all of my references said they never received a call from Westlake financial and i called XXXX XXXX or XXXX XXXX  XXXX  back and was hung up on and told not to call the bank back that i don't have to worry it's my car. Im going to get approved for the XXXX XXXX XXXX XXXX purchase from them i tried to return the car on XX/XX/XXXX and was told they are working on it i asked to do in house once more and that they would call me back never heard back until XX/XX/XXXX because i filed a complaint with the dealer licence in XXXX fl. Telling me to come pick up my temporary tag cause it will expire on the XXXX this month. I drive there from XXXX XXXX in my other car to pick up the tag but XXXX  XXXX  wouldn't give because i didn't bring the car. I left and called the dealer licence rep that is on my case. He told me to try to find a finance company in XXXX XXXX. I tried but the car either was purchased from the company or my bank said it was to old to finance. Then XXXX  told me to go back home and bring the car back. 
I later received an email from the rep that is handling my case that he received notice from the dealer and the Westlake that i put false information on my application and if i don't bring the car back that they are going to have me arrested I put insurance on the car full coverage how could i steal a car from someone i want to do business with its been thirty days tomorrow i already knew they was trying to rip me off after the guy hung up on me
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (OH)

To whom it may concern : I have recently received a copy of my credit report and noticed a number of accounts that need further validation. In response, I submitted a letter to request that Senex Collection Agency validate this debt. I requested this information to avoid any fraudulent information being reported on my credit report. The original request was mailed on XX/XX/XXXX ( see attached document and delivery confirmation receipt ). I requested several items to be validated as noted below ( see attached letter ) : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the original signed agreement with the original creditor. 

The date the original creditor claims this debt became delinquent. 

Any documents which show a signed consent agreement between me and the original creditor. 

A detailed copy of any payments made by my insurance company. 

Please also include details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license and license number, and the name, address and telephone number of the state agency issuing the license. 

In response to my request, Senex failed to provide the information requested. Their response was to provide an itemized bill which does not validate this is my bill, no signed agreements, insurance payments,,, etc. In fact instead of providing the documentation requested, they are stating that I need to provide proof to Senex that this medical bill is not mines ; which is the basis of my original complaint. Senex is denying me the right to dispute a bill by failing to provide adequate proof. In fact, I do not have a relationship with this provider, I have not received any statements from this provider and this bill does not belong to me. The itemized bill appears to be erroneous, they are reporting on my credit file that this debt occurred in XXXX for services rendered in XXXX.
Consumer complaint received 2020-03-28
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. (NV)

It looks like the Experian website has been hacked for my personal information. A " reset email '' is someone else 's email and not mine. I tried calling Experian and get an automated answering machine. I can't get into the account because although it resets my password, then the new password does not work. I see this as a major issue with Experian because someone has access to my credit information and it isn't me. Can you get Experian to contact me? This is horrible.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-03-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

I tried disputing the account on my XXXX  account twice. Did not get solved so I called and I was told to get a policy report or to come on this site. That account for speedy cash does not belongs to me it belongs to a relative or person with similar name/address. I was under age when the account was opened
Consumer complaint received 2024-04-16
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. (NY)

XXXX In XXXX I began an audit of my Amazon/Visa card and found a fraudulent charge on XXXX XXXX XXXX for {$540.00} charged at a local XXXX. I immediately contacted Chase Support and advised them of the charge, they said they would have their fraud department begin an investigation. 
I received a call in XXXX and a follow up note dated XX/XX/XXXX which advised me my claim was refused. I followed up with a call on XX/XX/XXXX to their Fraud Support Department. The individual I spoke to agreed it was a fraudulent charge but because I hadnt advised them that the card was lost or stolen my claim was turned down..
Consumer complaint received 2020-03-28
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)

A fraudulent account from XXXX XXXX XXXX XXXX is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Friedman, Framme & Thrush, P.A. (MD)

On XX/XX/XXXX, Friedman , Framme & Thrush , P.A . garnished my wages ( {$550.00} ) stating that I was not compliant with a set payment arrangement. Per conversation with an attorney at the firm, I missed a payment from XX/XX/XXXX. As of current date, I had not received any correspondences from the firm and continued to make all payments timely as agreed in the original settlement. In addition, I provided proof of payment. A writ of garnishment should have never been requested/issued on XX/XX/XXXX. The communication between both the attorney and the legal firm has been subpar suggesting that after contact my employer to reverse the garnishment although my employer was within legal rights to execute the garnishment.