davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv 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. 15 U.S.C 1681 section 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv 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. 15 U.S.C 1681 section 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-02-09
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. (FL)

I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX  neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.
Consumer complaint received 2019-06-28
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. (NV)

XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/2018I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX  XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 1.  I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax : I am writing to request an investigation of the following information that appears on my Equifax consumer report : Dispute 1 Accounts # : XXXX & XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX Bank in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number # XXXX & XXXX Last bill statement from XXXX Bank Payoff Statement from XXXX Bank Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

I just got one issue resolved with Fay Servicing and called today to make my paynent. I asked why I still could not make a payment online and was told because my loan was at maturity since XXXX! 
I got this as FHA i believe in XXXX and it was a 30 year fixed orginally with XXXX XXXX then to XXXX. 
A few years ago it was bought by XXXX and now Fay. Fay is saying that my loan is a 15 year ballon? and that XXXX modified the loan. I did receive a modification for six months in reduced payments in XXXX or XXXX by XXXX but Fay is saying it was modified in XXXX. 
Furthermore, would I not have received something from someone back on XXXX that said my mortgage loan has reached maturityi have been making my payments and planning my retirement around the 30 year fixed. They are also saying my balance s XXXX how is that even possible with making payments of XXXX.. per month on the original loan amount was XXXX or XXXX How can a company like Fay just say oh by the way.. they have had my losn for over a year. 
I talked to them today and they took ly payment but they said the few are sitting in suspense! I dont even understand. 
Somebody please help me there is just no was a bank would not tell you about your loan. I didnt even know it moved each serving each until i went and msde a payment. 
Ive read all the horror stories with Fay and I am scared of what they have they I do not lnow about.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (KY)

Credit Karma Always telling me I had a high chance to get approval on credit cards, buy now pay later, and personal loans but I would put my information in to these places and get turned down for credit then I started receiving phone calls, emails and txt messages from spam mail.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (GA)

I have a rent debt on my credit. It was removed from all 3 credit bureaus but it still remains on my rent bureau report. I was informed that the rent debt was for an apartment that i never lived at. I was a victim of identity theft. Someone filed taxes using my social and I had fraudulent things put into my name. I have been clearing up this mess since I became a victim of identity theft. I have been disputing things on my credit report and submitting documents and proof. There is no reason this rent debt should be showing on the the rental bureau when it has already been removed from all 3 credit bureaus. I was under the impression that this issue was resolved but i recently went to co sign on an apartment for my daughter and it showed up on the rent bureau. Which was surprising to me because I have not had any issues since its been removed from the 3 credit bureaus. 

I have continuously disputed this fraudulent Rent debt and have successfully had it removed from the credit bureaus therefore it should also be removed from the rent bureau. I never lived at these apartments. I was residing in XXXX XXXX, NV with my fianc and his sister and her son. I should not be held responsible for someone illegally using my personal Information. It is already bad enough that I have issues every year filing my taxes due to the identity theft. I would like to see this issue resolved immediately.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

I received a fraud text from my bank for a charge of {$37.00} on my credit card and was provided a fictional PayPal number and the name of a business, XXXX XXXX XXXX. The number provided was XXXX. I called and was asked to verify my last XXXX ssn which I lied about and was put through to an operator. I refused to give her any other information and just wanted details about the company. When she wouldnt provide any, I told her I would block the charge and delete my PayPal account.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However Equifax is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.
Consumer complaint received 2019-10-10
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. (NY)

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XX/XX/XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from  either XXXX XXXX XXXX or from XXXXl XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to XXXX XXXX that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, Experian, XXXX  and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS (CA)

Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka D. Scott carruthers. I, my sister in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/XXXX XXXX female states I will be at your place of employment and residence. 
XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/XXXX ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XX/XX/XXXX from D. Scott carruthers. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.
Consumer complaint received 2022-05-13
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. (LA)

After reviewing my credit report, I am not happy to see the below items that are still showing in there. I am a victim of Identity theft. I've attached a copy of my ID, an identity theft report from Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.
Consumer complaint received 2021-11-08
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-14
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. (LA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-10
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)

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all Capital One accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXXy XXXX and XXXXXXXX XXXX XXXX   XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with Capital One.  Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.
Consumer complaint received 2020-02-09
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 went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.
Consumer complaint received 2021-11-08
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: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2021, I was alerted through XXXX that I had a new hard inquiry and that a new checking and savings account was opened in my name. It was opened with Citizens Bank. I did not open any accounts nor have I given anyone permission to do so with my information.