davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (TX)

I was a young kid and didnt know about credit or monitor it like i should have. Now that I am older i realize that my identity was used and I do not understand how people were able to open accounts without me knowing. Im still learning how credit works. I have fraud accounts from XXXX XXXX XXXX XXXX XXXX XXXX I also have a bunch of inquiries that I did not authorize.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

It was reported false negative information and keep reporting I requested for deletion due to errors of reporting this was paid and closed XXXX and they reported major first delinquent in XXXX of XXXX please delete from my reporting for negative false information.
Consumer complaint received 2023-01-13
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. (AL)

These companies are no longer available due companies close down no longer a hospital saling people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I want you to know that I understand my financial obligations, and if it werent for XXXX Id have an excellent repayment record. I got really sick and was forced to quarantine from my place of employment. I am an employee of the XXXX. Per policy, once an employee tests positive for XXXX, said employee will have to quarantine and can not return to work until cleared by the company nurse. There is only one nurse per district so she was behind on clearing Employees. This resulted in me being out of work for a total of 3 months. Although my PCP cleared me for work, I still couldnt return until my job nurse went over my documentation and cleared me to return. This situation was completely out of my control. I made a mistake in falling behind, but since then, I have gotten vaccinated and returned to work full time. 
Since then, Ive had a spotless record of on-time payments
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (CA)

Today XX/XX/2022, I spoke to a collection agent by the name of XXXX and her supervisor XXXX XXXX ... And they advised me to make a payment today which was {$150.00} balance that was left over to keep my car from going into a repossession status. And we came to an agreement and I understanding that that would be done by the end of the day which is XXXX p.m. I made a payment using my checking account and call back to inform them that the payment was made, I then spoke to a XXXX or XXXX advisor of the payment and she canceled my payment out of spike and put my car into a repossession. I then call back and spoke to an XXXX and XXXX advised that XXXX or XXXX I'm not sure of her name had canceled the payment and put the car into repossession. XXXX advised me like the supervisor had before to get the payment in tonight to avoid repossession and to call back and make an extension to defer the payments. She also advised me to call before XXXX p.m. Pacific standard time which is XXXX p.m. eastern time to make the payment. I called back at XXXX p.m. Pacific standard Time and the company was already closed. I took it up on myself to do a payment by phone with my debit card because it had not been the end of the business day. And after I made that payment that's when I called back to advise them that the payment was made with my debit card and it was immediately debited out of my account. I feel like I was being harassed I also was lied to and insulted at the same time. I also feel that this company is not a buying by their legal clauses along with policy and procedures. Also when I spoke to XXXX I even told her that I was going to file a complaint against this company with the consumer financial protection bureau and she advised me that she knew what the company was and because I was threatened her with legal actions which this is not an attorney 's office for legal advice or legal lawsuit.. she began to harass me and threatening me with and repossession because of me mentioning the CFPB. I understand this is a loan company but they're going the wrong way about collecting funds for a loan by harassing, insulting, and humiliating customers to get a payment. I have looked online at the XXXX XXXX XXXX  complaints in regards to this company and they have over 136 complaints for the same issues within a matter of one year. Attached you will find two screenshots of my account with the {$150.00} being paid on the XXXX to Global Lending Services
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Capital One website I was interested in using their pre-qualification tool to see if I'm qualified for any of their accounts that they offer but was denied swiftly due to the following reason : " Based on your Pre-Approval form information, there are too many delinquent past or present Capital One credit obligation ( s ) '' I had disputed this account in question with all three credit bureaus with supporting documentation proving and also requesting proof from the bank regarding the account in question in this letter as I had never opened said account back in 2014 in XXXX as I hadn't been living there for almost a decade. This account has been removed and deleted from my credit reports yet for some reason they still mention this account that was a result of identity theft and based my application decision from this when that isn't even correct.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This is for XXXX XXXXXXXX Account ending in XXXX and XXXX I have filed multiple XXXX complaints in the company either didnt respond or was grossly past due and ineffective Their extreme negligence has caused me a lot of damage and stress as I am a XXXX person. 
They are reporting two balances of over {$1000.00} However my balances should report XXXX. 
They are in violation with the Fair Debt Reporting. Information on my credit report must be reported legally and accurately
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my frustration and disappointment regarding the ongoing dispute process for inaccurate and unverified negative items on my credit report. It is disheartening to find myself in a continuous cycle of disputing these items, especially when they have been previously acknowledged as inaccurate by another credit bureau.
Consumer complaint received 2022-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (CA)

Please help! I was served with legal papers about XXXX weeks ago. It just has XXXX dates stamped on it of ehen received by court (? ). No other info about what action sm i to take. I'm not sure if calling law firm would be ideal as the deliverer seemed aggressive. She was knocking very hard/loudly on my door and even talking/yelling through my open window. I couldn't get to the door due to XXXX XXXX XXXX. The woman left the openly visible papers ( no cover page or confidentiality ) on my doorstep for all neighbors to see ( apartment ) as they came in and out. This included an XXXX delivery person who took picture of the doorstep with delivered package. It was embarrassing. Please help with who I can contact with being lost, confused, and bullied. XXXX also has image of these legal papers in their data system as well due to picture of the doorstep.
Consumer complaint received 2022-10-26
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-05-12
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX has violated my rights.

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southern Oregon Credit Service, Inc. (WA)

I called Fidelity collection service and asked to pay my debt in full. I was given the payoff amount and successfully paid in full over the phone with a XXXX About a week later I received a paid-in-full letter. About another week passes and I get a call from Fidelity while I'm on vacation stating they made a mistake and that I actually still owed them {$100.00}. I told them no I did not and that I had paid in full and received the paid-in-full letter that I was on vacation and would take the call another time. Fidelity is now calling and harassing my employer 's customer service line asking to speak to me about their own mistake.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXXXX {$1600.00}
Consumer complaint received 2022-03-22
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. (AR)

I am XXXX XXXX this statement with my proper identification and verifying my identity. I have enclose below the proof of violations done by Equifax in the attachments. 

CHECK ATTACHMENTS BELOW.
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I was recently summons to court by a company called Wakefield and Associates Inc. XXXX XXXX XXXX XXXX. XXXX no XXXX. I asked for a continuance to hire an attorney because they are violating the fair credit reporting act law and I have legal right to counter sue. I do not owe Wakefield and Associates. I have not received any communication by phone by wake field and associates other than a court official saying I have to go to court for them. I also like to make note that I have been a victim of fraud which is why this is necessary. I also like to make note I have filed Bankruptcy in XXXX and all medical bills were included. And was informed all debt collection activity must cease.
Consumer complaint received 2022-05-12
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-05-12
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 XXXX XXXX # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NM)

I have had my Chase Freedom card since XXXX. After paying both my husband 's bill for his Chase Freedom ( he has had since XXXX ) and mine, I noticed that I pay 25.24 % and he pays 13 % in interest. We have been married for 30 years and I have a credit score of XXXX. Just a bit higher than his. I called to say that I felt that my interest rate was too high. That I was a good customer and that it should be similar to my husband 's rate. My rate is higher than that paid by those with bad credit! I was told I have no recourse. How can it be fair that I pay DOUBLE what my husband does? I feel this is discriminatory.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance Owed : {$180.00}
Consumer complaint received 2017-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. My social security number is XXXX, I have disputed five items on the following credit reports : Experian, XXXX and XXXX. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of XXXX, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
Consumer complaint received 2022-12-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-12
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. (NC)

The below accounts did not authorization to access my credit report, nor did they have permissible purpose to do so either. 

15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

FTC Report Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (HI)

Someone claiming to be from ASG has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten XXXX text messages saying they noticed that I visited their website ( ASGRecoveries.com ) and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I inquired about renting an apartment at XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, CA XXXX in XXXX. After providing my personal information I decided not to submit the application because I did not wish to proceed. I called the Leasing Company to inform them of my decision. The leasing company manually submitted my application on their end without my authorization and asked for {$550.00}. I refused to provide payment information and informed them I did not want the apartment anymore. This account was sold to Columbia Debt Recovery LLC DBA Genesis in XXXX. The total amount they are trying to collect including interest is {$570.00}. The collection agency made many calls to me, my work place and my family. They sent the account to collection and materially negatively impacted my credit. XXXX XXXXXXXX XXXX is a subsidiary of XXXX who lost a class action lawsuit in CA for violating California Civil Code 1950.6 in their practice of charging exorbitant amounts for apartment application fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )