davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I contacted the company through the XXXX XXXX XXXX on XX/XX/21. They first stated they had no records of the debt I was referring to. Then they stated they would send debt verification. 

I received a letter dated XX/XX/21. This is past the 30 day mark to verify debt. Meaning they only took the time to respond after the 30 days. 

They have not removed the collection. I want the collection removed from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

my account with XXXX XXXX XXXX Acct # XXXX is reporting as late on all 3 bureaus. 
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX has violated my rights 15 USC 1681 sec 602 states : I have the right to privacy.

15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. XXXX, XXXX and EXPERIAN ARE CONTINU0USLY VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.
Consumer complaint received 2022-02-28
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. (GA)

In accordance with the Fair Credit Reporting act U.S. Department of Education Account XXXX, U.S. Department of Education Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account 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
Consumer complaint received 2021-05-31
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. (FL)

On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank for my checking account ( closed ) # XXXX received on XX/XX/2022 {$27.00} and {$120.00} electronic refund deposit from a vendor XXXX XXXX XXXX XXXX  in XXXX, AZ ). 

My old address was : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX 2 years ago ). 
My current address is : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, AZ XXXX CHASE NEVER REFUNDED MY MONEY {$27.00} plus {$120.00} on XX/XX/2022.
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2022-12-28
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: EQUIFAX, INC. (NC)

Equifax is not allowing banks to pull my report, customer service says that there is no block and the account is open. But creditors still can not access the equifax file.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I was in forbearance as of XX/XX/2020. I made my monthly escrow payments as I was told or after forbearance I would be responsible for them. I just got out of forbearance and I am being told I am XXXX short in my escrow because 3 of my escrow payments in XXXX XXXX and XXXX of this year were applied as a payment and not to my escrow. They want the shortage in full or increase my mortgage XXXX a mth which I cant afford. Besides I did what I was supposed to do. Mr cooper screwed up. They will not reverse the payment and put the money back in my escrow. Called XXXX XXXX my loan holder and they have opened a ticket to see if the can assist me. So upset
Consumer complaint received 2021-07-06
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: Association Capital Resources, LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX XXXX, Equifax, and XXXX refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The Dept of EdXXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( XXXX XXXX, Equifax, and XXXX ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (AZ)

I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with XXXX  and Equifax they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either XXXX  or Equifax
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
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: WELLS FARGO & COMPANY (NC)

I sent a dispute letter to Wells Fargo regarding a credit card debt they are reporting on my credit that is more than 7 years old on XX/XX/XXXX. They have failed to delete the derogatory information from my credit report, and instead updated the charge-off to show that the first reporting date of the derogatory information was XX/XX/XXXX. Based on their most recent update, the derogatory account is past the 7 year reporting limit. And their error in reporting is negatively impacting my credit score.
Consumer complaint received 2022-02-27
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. (MD)

Experian corporate office : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX Re : Experian report XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX Experian continues to block me from the ability to dispute accounts that are being reported on my credit report by abusive collection agencies with malicious intent who are in violation of the FDCPA. " Legitimate '' proof of debt not provided by any of the aforementioned collection agencies. Experian may be protecting these collection agencies with no merit. Below are a list of a few collection accounts in which are abusively reporting and ignoring requests from this author. In addition, they have failed to acknowledge the documentation that I have sent them. 



( XXXX ) National Credit systems Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account ( XXXX ) Rent debt Automatic collection Address XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2900.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (AZ)

I have received a letter claiming to be a debt verification letter from XXXX XXXX XXXX XXXX XXXX on behalf of Pendrick capital Partners II, llc. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time Pendrick Capital Partners II has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.
Consumer complaint received 2021-06-01
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. (IL)

There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX  & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) Fair Collections & Outsourcing ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) Acceptance Now 4 ) XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX Adjusters ( Reinserted into Experian )
Consumer complaint received 2022-12-29
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: AMERICAN EXPRESS COMPANY (MA)

Hello, I am extremely disappointed with the results of the investigation process, conducted by American Express in regards to unauthorized transactions. 

I found not recognized transaction in the amount of {$99.00}, made by XXXX on XX/XX/XXXX and posted to my American Express credit card. This charge was done as a payment for XXXX XXXX, which I have never requested and so could not authorize and never had. 
I called American Express a few times to report that this purchade was never made by myself or my family members, who are authorized members under my American Express credit card account. 
Since XX/XX/XXXX I also contacted a few times XXXX XXXX XXXX via phone and emails, trying to find out why they charged my American Express Card for unauthorized {$99.00}. 

XXXX confirmed to me verbally and via emails that I have never requested and so did not authorize Membership with them. They also confirmed that I made just one time purchase through XXXX in XXXX and that I have never made any other purchases, using XXXX services, and do not have any Membership account with them. Moreover, XXXX told me that they did not charge my credit card for that {$99.00} on XX/XX/XXXX and so can not refund this money because they do not have any info about my credit card, although I sent them the credit card credentials upon their request in order they to refund my American Express account. 
I suspect that XXXX conduct not totally fair business. For this reason I requested American Express to help me to prove that the transaction was a fraudulent one. 

American Express conducted " investigation '' for couple days and then sent me a letter, stating that this charge is my responsibility because they found a recurring charge {$100.00}, made by XXXX in XX/XX/XXXX. Up to now and until American Express informed me on that charge from XXXX, I have not noticed it, because I was very ill with COVID in XX/XX/XXXX and for this reason did not check on my American Express statement. I usually very carefully go through all my statements every month to make sure that all transactions are mine and correct. 

As I got a letter today from American Express, stating that they finished investigation of that unauthorized charge and found me to be responsible to pay it, I called XXXX again and was told there that they did not charge {$99.00} and that American Express has to refund it to me. In other words, XXXX said that I do not have to pay that {$99.00} when I pay my next American Express statement. 
But American Express state that I have to include that {$99.00} in my statement payment. 

Please help me, if possible, to resolve the explained above issue. 

Thank you Sincerely, XXXX XXXX XXXX ( cell
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. ()

Hello XXXX Bank XXXX XXXX and XXXX pay me a Check of XXXX XXXX under supervision of Inspector General of United States XXXX Police ( XXXX ) Office of Inspector General United States XXXX Police XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX DC XXXX HOTLINE : Toll Free ( XXXX ) XXXX Email : XXXX But this is outside its jurisdiction and recommended me here.so please contact Chief Coordinator XXXX XXXX XXXX # : XXXX ( XXXX ) XXXX, email : XXXX XXXX XXXX XXXXXXXX XXXXXXXX of XXXX XXXX XXXX Tel # : XXXX ( XXXX ) XXXX and XXXXCcustomerservice XXXX ; it has demanded me more XXXX  but I run out of money I paid off XXXX processing fee and they said check will be linked with my account XXXX to XXXX XXXX. As all charged no fee for deposit a check. So help to resolve this matter to tell them to pay me ASAP
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I was contacted by Sequium Asset Solutions on XX/XX/XXXX at XXXX. I repeatedly asked for a letter of debt verification, and the agent told me they had sent one and refused to send another. I have never received anything from them. The woman was extremely rude. She first said the account was open in XXXX ( I was 5 at the time ) and then said it was open in XXXX ( I didnt have credit cards at the time ) and she also stated it was for a bank I have never heard of.