davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
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)

THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.
Consumer complaint received 2021-08-11
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. (NV)

THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (CA)

There is a debt collection on my credit report by ABSOLUTE RESOLUTIONS 1. It shows that it's in " active debt collection, '' but the collection amount shows {$0.00}. I paid off the debt in satisfaction to the debtor. It even shows that I paid {$25000.00} and it has been 100 % paid off. Please help me resolve this.
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

In XXXX I received an equipment loan to build business credit. My customer number on this loan XXXX obligation number XXXX and XXXX. The loans were paid off in XXXX of XXXX. Wells Fargo eliminated the department that handles this type of loan and has failed to provide title. I have been calling for the last 90 days and do not have title and they can not verify that they will be mailing it to my current address. I have missed a couple of sales on the equipment as a result of not having a title.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

A personal loan exceeding the usury rate with a rate of nearly 400 % per annum. I was expecting the loan to appear on my credit report so that I could increase my score by paying the loan off early but I don't think it was reported at all. Prior to waiting for the loan to be recorded, I called and asked if the company reported to major credit bureaus and was told yes, XXXX through some company called XXXX. It has been 24 hours, the repayment amount has increased by about {$20.00}. My loan number is XXXX. How do I go about ensuring that the company complies with the usury rate. It would not be such less of an insult if this company actually reported to a credit bureau, to show a good payment history.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC (TX)

XX/XX/21 2 Money Orders - XXXX purchased at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/21 Refused to cash the very same money orders - XXXX that were purchased with cash there 3 days earlier citing CERTEGY DECLINED but that CERTEGY did not make the decision for declination! 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX Furthermore, THERE IS ABSOLUTELY ZERO HELP to be found when calling the number on the " disbursement receipt '' with the declined transaction ZERO! No possibility of talking to a human that I can find in any way. I have searched the internet and called every possible number found with ZERO help. 3 of the numbers I found are for the 3 credit reporting companies! I HAVE EXCELLENT CREDIT and feel they have jeopardized my safety! 
This is rent money owed to me that is a one time thing to get it through money order. 

XXXX has the CASH paid for the money orders, {$1300.00}, but will not give it to the PAYEE, ( ME ) even with proper identification. This is absolutely insane especially considering these were purchased RIGHT AT THE SAME DESK that DECLINED TO CASH THEM! 

I AM ALSO VERY UNCOMFORTABLE that they REQUIRED ME TO ENTER MY SSN in the automated machine for this! 
WHY do they need my SSN? I knew better than to put that in but she said they wouldn't cash it if I didn't so I put in my SSN. 
Now I am very concerned of what this SCAM and FRAUD company will do with my information. I completely expect to see some bad hacking or something else negative on my credit report shortly because of this INSECURE CERTEGY COMPANY and PROCESS! 
I FEEL VULNERABLE AND VIOLATED and that my excellent credit are at a huge risk now because of CERTEGY AND XXXX because of trying to cash a MONEY ORDER at XXXX in XXXX, Texas! HORRIBLE and INSECURE FEELING!
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

National credit systems-XXXX XXXX. account XXXX This is stolen identity. I have filled all of the necessary paperwork including a police report and reported it to the federal trade commission as well. The amount was for XXXX. This is not my debt. I have never even lived in Texas.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

HI NRA National Recovery Agency - # XXXX XXXX XXXX XXXX ;??? FOR {$1400.00}??? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ON XX/XX/2021, i sent my first letter to EQUIFAX disputing the unauthorized inquiries that they are reporting on my credit report inaccurately. I didn't not allow anyone to pull my credit, in which i asked for documentation which i never received.I then send out my 2nd letter on XX/XX/2021, and they haven't responded to either one in which is a violation of the law. I am asking to resolved this matter with these unauthorized inquiries.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XX/XX/XXXX Midland Funding has been reporting a debt that is not mine. During this time they contacted me multiple times a day. They threatened me over the phone, posed as lawyers, and told me that they where going to garnish my wages if I did not pay them the debt. During the time of the calls, I repeatly ask midland Funding to stop calling me, and to only contact me by written mail. I never received any letters from midland funding about the supposed debt that they claimed that I owed. In XXXX of XXXX Midland Funding attempted to sue me in small claims court. They never served me any notice, despite having my correct address of the time. They then proceeded to withdraw their claims to the court. The court case was dismissed on XX/XX/XXXX. During this time I was not contacted by midland funding, either through mail or by phone. I have since then been trying to contact Midland Funding. I have contacted them through all of their known address, including the address that was on the court documents. I have never been able to validate this debt, or have had a chance to disputed the debt with them. After years of trying to validate this debt, I disputed the debt with the credit Bureaus. After investigating the matter, both XXXX  and XXXX  determined that there was not enough information to determine the debt belonged to me in XXXX. During this time Midland Funding still never contacted me or sent any letters regarding the information that they have about this supposed debt. I have been attempting to contact midland funding while trying to dispute this debt with XXXX  Credit Bureau. I have never been able to reach midland funding until 2 months ago. Midland funding provided a piece of paper with the name of the original creditor, the original account number, a charge off date, and amount due. I reviewed the information given to me, and I do not recall ever having an account by the information that they sent me. I followed up immediately with a letter asking for more information. I sent the letter out 30 days ago, and have not since heard back from Midland Funding. They have refused to validate this debt in anyway.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I purchased a XXXX Model vehicle on XX/XX/XXXX, and after having it for less than 60 days it gave me some problems. After the repair shop accessed the issue it was determined to be engine failure. The cost was XXXX . I contacted my lender Credit Acceptance Corporation and discussed a payment arrangement because I was having to pay for repairs. Half of the money came out my pocket and I financed the other half. My financed payment was costing me XXXX $ /month so credit acceptance offered me a payment of XXXX $ /month for 6 months to help me out on my car note. Well CA never mentioned that this would show up as delinquent payments dropping my credit score over 150 points. I am having a hard time with certain finance companies trying to get a loan for home repairs. Credit acceptance never ever said this would be considered delinquent. I am hoping someone can look into this in hopes of getting my credit score back up.
Consumer complaint received 2021-08-05
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. (MS)

on XX/XX/2021, i sent equifax letters regarding unauthorized inquiries that are reporting on my credit report USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, these companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification within 15 days. 

Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry. they hasn't responded thus far
Consumer complaint received 2021-08-11
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. (LA)

On XXXX, I filed a complaint with the CFPB against Experian for failing to provide proof of several alleged hard inquires. In Exhibit B you will find a copy of the CFPB Complaint. 

The hard inquiries listed in Exhibit C are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

I carefully reviewed your response to my CFPB complaint in which you outlined that Section 604 allows credit inquiries for permissible purposes. That fact is not in debate. The issue at hand is that when a consumer disputes information on their credit report, Experian has a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact 100 timely and accurate. 

Your response to my complaint did not contain any confirmation on how you verified the alleged hard inquiries attached in Exhibit C. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

This is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. 

Therefore, I demand that the hard inquiries listed in Exhibit C be DELETED from my credit report immediately. ( Copied From Attached Affidavit ) *******
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NM XXXX, Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX.
Consumer complaint received 2023-03-17
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (SC)

I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (SC)

XXXX XXXX XXXX : Retail Store Card for activity duty and retired service members and there family. I Got behind on my XXXX XXXX and was unable to catch up my payments when I started working for XXXX  XXXX XXXX XXXX  XXXX  contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2021-08-10
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)

I've been disputing inaccurate accounts with Experian for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, Experian date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX account is a re- aged account and still reports a payment pattern to XX/XX/XXXX which leaves Experian , in violation thereof ... ..Experian records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Experian, these accounts Re-Aged when this collection agency opened this account, this account duplicate account XXXX  reported by XXXX  reports its Date ofLast Activity XX/XX/XXXX on one account and and XX/XX/XXXX on the other account. This is inaccurate reporting. Experian remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (TX)

Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under 'My Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXXXXXX XXXX and XXXX XXXX ET, Mon-Fri ; XXXX XXXX and XXXXXXXX XXXX ET, Sat-Sun.