davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-06
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. (NM)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX NEW MEXIC ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX ( Original Creditor : NEW MEXICO XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OR)

Synchrony issued a refund to me on XXXX  for {$620.00} as they wrongfully took that amount out of my bank account after I enrolled in a program where I would only be paying {$53.00} a month. I tried to set up the auto withdrawals and they blocked my ability to use the app and when I called the number to get this removed, I found that they had added an additional {$620.00} to my balance. Synchrony thinks I wont notice and would pay that amount but I tried calling them and they said they were closed on the automated line.
Consumer complaint received 2023-04-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

My complaint is regarding Syncb Bank for Jcpenny and Walmart. I have tried numerous times to resolve this debt with Syncb bank to either settle this out with them or pay this off. They have refused to accept any money for these accounts due to them stating they have sent me a 1099. I have requested for the 1099 to be resent to me because it was sent to another address which I do not live at. They refuse to accept any payment from me. I find this to be crazy that a financial institution refusing to accept payment for any account. 

Attempted on XX/XX/2021,XX/XX/21 and XX/XX/21to resolve this outstanding debt. 

JCPenny Account Number XXXX {$2200.00} Walmart Account Number XXXX {$1100.00} Please assist me with this issue
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I have been a XXXX 's Credit Card holder for almost two years when my account was closed by XXXX 's Citibank without them contacting me. A few months ago I was going over my credit report and noticed there was an account opened in my name from CBNA/SEARS I went and file a fraudulent claim on all three credit bureaus and CFBP. That Sears account was closed. A month or so later I received a letter saying my XXXX  account was closed. It was closed on the exact same day as the fraudulent Sears account. Citibank Retail Services closed my XXXX account because I disputed a fraudulent account from Sears, that had absolutely nothing to do with my XXXX. I hav called and called and called and every last representative tells me there is no reason or they can not tell me why my account was closed. It is a company rule not to disclose that information over the phone. My XXXX 's account is not fraudulent I did not report it as such and it should have never been closed. This is wrong on many levels. I have been dealing with alot of ID fraud and it is overwhelming as is I shouldn't have to deal with losing my accounts that I have not disputed. Later I found out that Citibank Retail Services also services XXXX 's so they just closed everything because of my dispute. There was also a checking account opened in my name which I have attached the information as well whomever opened this account submitted payments to several accounts of mine and all the payments were returned. Payments were sent to The fraudulent Sears Account and my XXXX 's along with several others. All of this was happening at the same time
Consumer complaint received 2023-04-11
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are some hard inquiries appeared on my Transunion credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX And one inquires on XXXX report XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2023-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-11
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. (AZ)

I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile. I believe they have failed to authenticate these accounts. I included this in my last complaint and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$600.00}
Consumer complaint received 2016-07-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-04-04
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: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC filed a lawsuit against me in XX/XX/XXXX- I was never properly served although they filed a proof of service. XX/XX/XXXX - They went to the Apartment Manager and asked for my info claiming they were trying to deliver a paycheck - Apartment Manager will sign affidavit. I was not home. But when I got home, my neighbor gave the paperwork to me that they gave to my neighbor claiming it was a paycheck. I opened the envelope that had my name and address written on it, and it was summons and complaint claiming I owed monies to a credit card company they were representing. I have never received any notifications or anything in the mail verifying they now are collecting on behalf of credit card company XXXX - which I closed and paid off account back in XXXX with XXXX XXXX  which there was also a complaint I filed with this agency about them fraudantely claiming I owe, their collection practices, etc. The XXXX XXXX XXXX XXXX accepted my Answer to Summons/Complaint then rejected saying documents upside down then accepted it again. Never heard back from the Court or LVNV Funding. Last month- my Employer received documents with my social security on it and a wage garnishment without a copy of the Judge 's order for wage assignment. My employer, against me clearly telling them in writing to not disclose or verify anything because the paperwork had a XXXX address - that this may be fraud - My Employer ( XXXX XXXX ) verified with a representative of LVNV Funding LLC confirming I am employed with them. I contacted the XXXX XXXX XXXX - spoke to a Supervisor after calling for over two weeks since XXXX XXXX the clerk office and getting no response, finally XXXX XXXX on XX/XX/XXXX explained to me that LVNV Funding LLC filed proof of service back in XX/XX/XXXX or so claiming personal service at my address in XXXX. Then In XX/XX/XXXX or so filed certificate of mailing of the Notice Of Default to address in XXXX which they already had my address in XXXX - why say mail to XXXX. I filed XXXX XXXX XXXX to stop wage garnishment because sadly my Employer ( XXXX XXXX ) has already disclosed so much info to this LVNV Funding LLC and LVNV Funding LLC threaten my Employer if they would not garnish my wages claiming a Court order even thou there was no Court order provided. This company LVNV Funding LLC has violated several FDCPA collection practices as well as fraud and misrepresentation with the Court and filed fraudantly documents with the Court as well.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX, # XXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (NJ)

XX/XX/15 I logged online to WESTLAKE PORTFOLIO MANAGEMENT ( https : //www.wpmservicing.com/ ) after recieving mail-notification that I had missed a car payment. This is a debt collector the original auto loan servicer sold the loan to, so they are collecting the same monthly payments. 
Upon logging in I paid {$370.00} which should have more than covered the $ XXXX monthly payment and a {$25.00} late fee. I called them afterwards to adjust my due date, and realized it wouldn't have helped, but the associate informed me that " paying more towards your bill won't satisfy the late fee ''. They told me that to make a paymen that satisfied the late fee I have to CALL THEM because " they have a button they need to hit ''. 
There was no reasonable way for a consumer to know this until they called in to the customer service line, however they make it easy to automatically deduct funds directly from my bank account online - by far the most preferred method of paying bills from any consumer. 
The wrong here is that even though I've paid MORE than expected to bring my account current there is STILL a late fee on my account. The associate didn't even offer to apply the overage payment towards the late fee, he just said it'll apply to my future payments. 
XXXX XXXX XXXX was struck with a UDAAP violation ( I worked there at the time ) for having the same billing practice where if the customer didn't satisfy the late fee, they'd continue to hold the account in late/delinquent status. 
They also call +6 times a day the first day it falls late.
Consumer complaint received 2023-04-11
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. (SC)

Credit reporting agencies are showing XXXX XXXX XXXX XXXX on my credit file, however, this property was sold via a nonjudicial proceeding file no. XXXX on XX/XX/2023. 

I have already provided all credit reporting agencies with a copy of the Trustee 's Certificate of Sale.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (IL)

To Whom It May Concern, I am writing to dispute the accuracy of certain items on my credit report. Recently, I successfully disputed these items with XXXX, resulting in their removal from my XXXX credit report. To maintain the accuracy and consistency of my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ), I am requesting that you ensure these items are also removed from my XXXX credit report. 

Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy of the information they report. Furthermore, Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers to report accurate information to all credit reporting agencies. Since XXXX has already deemed these items inaccurate and removed them from my report, the same action should be taken by XXXX to maintain consistency and accuracy. 

The items in question are as follows : * Account Name : Jefferson Capital System * Account Number : XXXX Enclosed is the documentation from XXXX confirming the removal of these items. I request that you instruct XXXX to conduct a reinvestigation of these items and update my credit report accordingly. 

I appreciate your prompt attention to this matter. Please provide written confirmation of the actions taken on my credit report as a result of this request.
Consumer complaint received 2023-07-10
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: Professional Debt Mediation, Inc. (GA)

account # is XXXXXXXX XXXX XXXX XXXX for XXXX open date is XX/XX/2022 i contact the company about this debt and the social security number is do not belongs to me and there are saying debt verify by who because that was not me.