davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

A debt recently appeared on my credit reports from a collection agency called Debt Recovery Solutions for {$530.00}. On the report it only says Loan By Phone. I don't know what this is for and who it is from. This is not my account I never applied for any Loan by phone. 


I called the collection agency and the representative told me he wasn't able to tell me the name of the company but that the loan was taken out in 2018 was all the info he had on the loan. This is not my debt, I have no idea where they got my information from and how they are able to collect on a debt and not know what company it came from.
Consumer complaint received 2018-12-06
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. (GA)

Equifax keeps changing the dates of old debts, refuses to investigate correctly and update my file correctly, drops my credit score for no reason. The internet is full of similar complaints from other people.

I am not able to access my credit file online, which is very frustrating. I should not have to wait for a report to come in the mail!

Equifax is not being held accountable. My XXXX report is correct, not sure why Equifax has such huge issues.

See complaints : XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (NY)

I sent a letter XX/XX/ about a reinvestigation I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/ I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the fair Credit Reporting act 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 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 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING LLC is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-06-10
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. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX  / XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Fair Collections & Outsourcing is attempting to collect an alleged debt from original Creditor ( The Villas at XXXX XXXX ). When I left The Villas at XXXX XXXX in XXXX of 2019, they told me they would forward me any amount owed. This is due to Maryland Code, XXXX XXXX XXXX which states that " a landlord must make reasonable efforts to re-rent their unit instead of charging the tenant for the total remaining rent due under the lease. This is referred to as the landlords duty to mitigate damages. This means that if a tenant leaves the lease early and the landlord re-rents the unit before the lease ends, then the rent received from the new tenant will apply to the tenants debt. '' XXXX XXXX XXXX  XXXX XXXX never sent me a final bill and without ever attempting to reach me, conjured up a random number and sold a false debt to Fair Collections & Outsourcing. Now, the debt collection agency Fair Collection & Outsourcing is attempting to get me to pay a random amount claiming that it is owed to XXXX XXXX XXXX XXXX XXXX. They have yet to provide me with any sort of breakdown of what I owe and how I owe it. As a cleared government employee this popped up on my credit report as a collection, however, it is clearly erroneous and clearly an attempt to extort thousands of dollars from me. This debt collection agency has a history of unscrupulous practices, and they depend on individuals not filing complaints to minimize the scrutiny upon them.
Consumer complaint received 2022-06-10
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: First Technology Federal Credit Union (UT)

XXXX XXXX XXXXXXXX See above. This company was not allowed to do business in the state of Utah for what I requested. They cancelled meetings and had no way of cancelling service on their app or website and will not cancel via their phone number. They tell you to email the cancel and then don't respond. I was charged {$320.00} x 3 and {$130.00}. My bank reversed it and told me to keep trying with this company that's being investigated by the DOJ for exactly what they couldn't provide me. They cancelled appointments and charged me over {$1100.00} and now overdrafts and my bank says they can't do anything despite the fact they canceled and I cancelled and they legally can't operate in my state. I cancelled my card bc of them. But then over 60 days later all their fraudulent charges were reversed. Further when contacting the merchant a week ago they said only my bank can help me causing a whole new mess which obviously is to make this an impossible claim.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from Trans Union stating that I am currently delinquent on the account and that I have been 30 days late.

I called XXXX to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
Consumer complaint received 2019-03-01
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MI)

I don't know exactly why I am being charged for a medical bill that I didn't even commit. I haven't been to the hospital in years and also If I were to go to the hospital I would of told them my insurance, so it'll be charged to them instead of me. this is not me what so ever and I demand that this debt gets took off asap. I sent a letter on XX/XX/22 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 by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they  responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2022 I received an email and text that a wire transfer in the amount of {$8100.00} was initiated on my USAA checking account. I immediately called USAA, while on hold I received a call from them ( the contact is saved in my phone so it was USAA number ). I switched over and was told it was fraud dept trying to stop a fraudulent wire. They went thru the process to lock my account and reset all passwords, issue new debit cards, etc and was told it was resolved before wire was sent. About an hour later I received a push notification in the app that the balance on my account was low. I opened it and saw the wire actually went out and immediately called USAA again. I was told at that time the call earlier was a spoofed number and a hoax. The fraud dept member told me they would help me actually update my account security and start the process of getting my funds returned. I was told it would take about XXXX business days and call back if funds were not returned to my account. On XX/XX/2022 I called USAA and was told the rep had not started a fraud investigation and had not issued a wire recall that day. The person I spoke to said that was not proper protocol of the first rep. They actually were not in the wire dept and should have transferred me or told me to call back the next business days since after XXXX XXXX XXXX. Neither of these things happened and I was apologized to and told it would take place that very day. They said to give it a couple weeks because of the excessive amount of wire fraud taking place such as mine. I called back on XX/XX/XXXX and was once again told an investigation had not been started, nor had a recall been issued. I was AGAIN told this was against protocol and they would start the process that day. A wire recall was finally issued XXXX  days after I first called and reported the fraud within the hour. My funds could have possibly been recovered if USAA followed proper protocol and issued the wire recall and began the investigation immediately. It took over a week and and XXXX phone calls from me for them to even start the process. I have called multiple time since XX/XX/2022 and now am only being told the investigation is " in process '' and the " wire recall was not successful ''. I have asked to speak to managers or customer reps with more authority and have been told someone would call me back but have not received one phone call from USAA in XXXX weeks. Their failure to work on my behalf to recall the wire and issue a fraud investigation immediately when I contacted them cost me {$8100.00}.
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX XXXX  Account # XXXX and XXXX 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 2022-06-10
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 with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXX 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 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I reached out to Lexington Law on XX/XX/2020 at XXXX XXXX. I spoke with a man and provided him with the description of the negative items on my credit report. He advised they could help remove these items, and sent me an agreement to sign while we were on the phone so they could get started which I did. During the 4 months I was with them, nothing was accomplished. 

From XX/XX/2020 - XX/XX/2020 I got a notification from them that a negative item was removed from each of my credit bureau reports. I reached out to them as it was only being reflected with them and not with my other credit monitoring services. I spoke with XXXX XXXX which informed me the removals were permanent which turned out to be a lie. 
I set up the disputes in order of importance, however the first acct XXXX has not being worked on since XXXX. When I reached out they stated the next update was due on XXXX. 
I requested an escalation for one of my account and this was incorrectly done. They provided me with a letter to send to the creditor. The letter stated that I had 2 account being reported incorrectly and to verify the account which was incorrect as I only had 2 account and was only trying to get the late payment removed. And they have the nerve to charge me. 
My attempts/ email to contact them has to be sent multiple times to get a reply. When I get a reply it will be simple copy and paste template. I now realize this was all a scam. They said they could help me with the negative items but it was all a scam. I would like all my payment refunded from XXXX - XXXX. 
Date Status Description Amount XX/XX/2020 PAID Monthly Subscription Fee {$110.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID First Work Fee {$79.00}
Consumer complaint received 2022-06-13
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. (FL)

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, Experian XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone Experian, XXXX and XXXX directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.
Consumer complaint received 2021-11-14
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. (AZ)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such
Consumer complaint received 2020-06-04
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. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}
Consumer complaint received 2018-12-06
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. (CT)

Experian, XXXX, XXXX  XXXX XXXX XXXX XX/XX/2016 XXXX  $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.