davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION (CA)

yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (MI)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Vance and Huffman is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and I reached out to them to get validation of debt to resolve this issue. It has been over 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting that this account be deleted from my account now!
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (LA)

Experian is reporting inaccurate information from XXXX XXXX XXXX to my credit file. I have previously dispute on XX/XX/2020 for this account. I have never done business with them. I received a cease and desist letter from them via mail for filing a complaint on CFPB. This company fail to verify in any way that this account belongs to me and it is really tarnishing my credit file with them constantly reporting inaccuracies to my file.
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

On XX/XX/XXXX i spoke with a manager at commonwealth informed him this was a fraud account and im disputing it and wanted account removed from my credit bureau. I also requested all documents from hospital to support this debit. I filed a complaint with the cpfb also on approx XX/XX/XXXX a XXXX XXXX responding to that complaint and lied in her response she stated all proof of debit and supporting documents where sent to me on approx XX/XX/XXXX all i have ever received was an initial collection notice no proof of debit or documents that I requested instead this company placed this account back on my credit bureau without addressing my dispute or providing proof of debit. Both these actions by this company and XXXX XXXX are illegal and violations of the FDCPA. I also received three collection calls on XX/XX/XXXX even after leaving sevral messages over the last few weeks for XXXX XXXX which i never received a call back. Im asking the CPFB to fine and sanction commonwealth for unfair collection practices and violations of the fdcpa. Im also going to file a complaint with the Arizona attorney general 's and hire an attorney to sue common wealth, XXXX XXXX, the manager whom never sent me my proof of debit and the collection rep feom XX/XX/XXXX
Consumer complaint received 2021-01-15
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. (IL)

Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The XXXX repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (CT)

Hi Experian / XXXX  / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the Regional Manager XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now!

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from Experian and XXXX. Thank you and happy new year
Consumer complaint received 2023-01-16
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. (NV)

LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$620.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I made a purchase using XXXX and my Citi Card on XX/XX/XXXX and it went through. It was a fairly large purchase ( {$1300.00} ) so I was able to sign up for the XXXX XXXX option. Because of this, I made another purchase for my side business ( {$2000.00} ) on XX/XX/XXXX so I can manage the payments going forward - and for some reason this was no longer allowed for XXXX  XXXX. In XXXX when I received my statement, I saw they had charged the {$2000.00} as a cash advance and charged me interest and fees associated with such. 

They never gave me notice that XXXX was being removed. They never gave me notice about the purchase being used as cash advance. They took almost {$200.00} in fees from me for without valid notification, and they charged compounding interest. I do not like how they handled this situation and I am appalled at how they do business.
Consumer complaint received 2021-01-15
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. (PA)

I have 2 prior complaints that were closed by XXXX   and Equifax, # XXXX and XXXX without resolving the issue. XXXX is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information anXXXX XXXX and Equifax have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter  XXXX Bankruptcy. I am also providing proof that XXXX  has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. XXXX and Equifax have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. XXXX and Equifax keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-16
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

A debt collection company named LVNV Funding LLC sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges. The past complaint was closed unsatisfactorily. I uploaded documentation saying the refund was due.
Consumer complaint received 2023-01-16
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

I was told by the Agency that a letter was sent to me for debt collection. I did not receive any letter at my address, while on the phone with the agency, I was told that the letter was return, which doesn't make any sense because that same agency has my address. However, I was not aware of any collection of any sort because I would probably make arrangement if not make a payment, if I was informed.
Consumer complaint received 2023-01-16
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: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the XXXX XXXX XXXX Helvey Associates, XXXX XXXX  and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to Helvey Associates and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

My name is XXXX XXXX XXXX, I have proof that I'm the XXXX in my mom 's estate XXXX XXXX XXXX ( AKA ) XXXX XXXX XXXX. I have been trying to find answer fron PHH they have not returned my wife who was sender of the payments but one the XXXX. My wife XXXX XXXX XXXX time was her name now it is changed to XXXX. The mortgage company is saying they returned all funds, they have not this is first issue, second I wanting PHH to reverse mortgage to me. My wife paid the money to cure default in XXXX of 2022, they accepted the money and then foreclosure after it was cure default.
Consumer complaint received 2023-02-16
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. (TX)

In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without written instructions.