davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (MO)

After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX {$680.00} 6 ]  XXXX {$71.00} 7 ] XXXX XXXX CHXXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OH)

I received an email from Resurgent on XX/XX/XXXX saying that they now had my debt. The information was : Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$1400.00} Once received I emailed a response to Resurgent on XX/XX/XXXX requesting that provide me with a debt validation letter as well as stop all collections. I notified them that I was disputing this debt. Today on XX/XX/XXXX I received another email from resurgence stating that my account may be sent to a lawyer. I again sent another letter asking them to stop collections and to please verify the debt.
Consumer complaint received 2023-06-24
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. (NY)

Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. 
In addition the Certificate of Indebtedness the documentary evidence required to prove this claim is a general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger on behalf of XXXX XXXX XXXX. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ). 
By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. This kind of activity is considered conspiracy racketeering. 
All of these issues suggest Securities Fraud. If this is not immediately removed from my consumer report, you cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft.
Consumer complaint received 2019-08-28
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. (WI)

XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX and Equifax are destroying my credit/FICO scores by their false claims.
Consumer complaint received 2019-08-26
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. (VA)

The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the XXXX data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (FL)

My Robinhood account had a balance of XXXX as of XXXX when they decided to close my account for no given reason. Robinhood assured me as early as XX/XX/year> via email hundreds of times All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. You'll receive email alerts as these transfers are processed. It may take up to XXXX business days to complete this process. 
Until now I havent received anything and the funds have been sitting in my Robinhood account for more then XXXX months now and only within last couple weeks my account balance has disappeared and Robinhood refuses to tell me where it went or even acknowledge I had funds in my account balance. They give very vague responses but recently they said send a bank statement in which I did and then they responded claiming I have no account balance without acknowledging where my money went.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX XXXX. And now we are in the month of XXXX XXXX   and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

Sequium Asset contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from Sequium as promised, but XXXX XXXX claims that Sequium has not yet released the money I paid. I tried calling Sequium 11X and advised them that XXXX is still waiting for them to release money I paid. Sequium continues to give me the run around. At first Sequium advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with Sequium to satisfies debt owe with XXXX XXXX.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX XXXX are reporting a chapter XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the chapter XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a 7-year-old charged-off Capital One credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities. 

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after seven years from the date of the original delinquency. Since this charge-off is over seven years old, it should no longer be reported.

Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information. 
Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns.

Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices. 
IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off.

Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over seven years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether Capital One issued a 1099-C, as required by IRS regulations , for this charged-off debt.

Review of Account Handling Investigate whether Capital One violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.
Consumer complaint received 2021-11-19
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. (DE)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-08-26
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. (VA)

Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2019-08-28
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank completely misled me into opening a checking account with them and depositing money into their bank. 

In XX/XX/2018, TD Bank advertised the following requirements to earn a {$300.00} dollar bonus : 1. New customers open a TD Premier checking account online 2. Receive direct deposits of {$2500.00} within 60 days of account opening 3. Earn  {$300.00} posted to the account within 95 days I met the above requirements for the {$300.00} bonus, yet TD Bank has not posted the bonus to my account. After I complained that the bonus should have been posted by XX/XX/2018, a TD bank representative said the bonus should post during the next fulfillment cycle no later than XX/XX/2018. To date and 148 days later, no bonus has been posted to my account. 

Attachments are provided showing : ( 1 ) Terms of the offer ( 2 ) That I opened a TD Premier checking account on XX/XX/2018 ( 3 ) That I posted more than {$2500.00} in direct deposits within 60 days of account opening ( 4 ) That I was told by XXXX XXXX, a CSR for TD Bank, that my bonus would post during the next fulfillment cycle in 2-3 weeks.
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. (CA)

This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years. 



In accordance with the Fair Credit Reporting act 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 2019-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Recovery Systems, Inc. (MS)

After a purchase was made XXXX XXXX furniture in XXXX ms a XXXX XXXX Franchise. From the beginning I had problems with a couch that was defective. They refused to make it right and take care of the order was not right and it had defects in couch was corded and waves in right arm, they stated it would cost them to much to send back to manufacture to fix. 
I contacted them several times in Regard and sent there managers XXXX photos showing the flaws and he Looked at them and seen the problem but he never fix it or called back to make it right and XXXX stayed they would not pick up the couch and they never did left the couch and never picked it up. The bank that finance the couch agree that they sold me a bad couch so they decided to make it right and reverse XXXX   XXXX on the disputed e XXXX XXXX they decided that they get the amount me even after they had time to dispute it. So they turned it over to advance recovery services of XXXX Mississippi. This is not right and should not have to pay for something that was not correct.
Consumer complaint received 2019-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Ive tried to refinance my loan with capitol one because of my interest being so high. It was impossible for me to keep up I was drowning. I moved back home to try to save money and get back on my feet. I had health issues and been drowning in medical bills. I couldnt make my full payments so my car was repoed. Devastating to me. Been struggling for 2 years now trying to get out of this debt. The dealership sold me a lemon car and I couldnt afford a lawyer. Not only was it a lemon I didnt realize how interest worked. I didnt realize my percent was so high. I thought I got a great deal at the time but came to find out I was cheated. Please help. Im trying to get back on track and move into my own place but cant with my credit. Currently paying off medical bills
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 status incorrect
Company: EQUIFAX, INC. (IL)

We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I opened up a checking account with XXXX bank on XXXX XXXX and a joint bank account on XXXX XXXX and money was withdrawn of out my account through XXXX from XXXX I don't have a XXXX account and never open one. When I found out that my money was missing it was around XXXX XXXX, I contacted the bank and reported it to the fraud department. As of XXXX XXXX, I received a letter from Randolph Books Federal Credit Union ( RBFCU ) showing that someone opened a checking and saving account in my name and called the RBFCU credit union and I reported this as fraud, the account was overdrawn by $ XXXX. That's how I found out about this account because it is being turned over to XXXX systems this is not my account. Once I discovered this was not my account, I immediately called RBFCU. I spoke with XXXX, and she told me that someone had opened a checking and saving account and applied for a loan. I filed with XXXX XXXX Police Department, and they advised me to file a complaint with you. 

Sincerely, XXXX XXXX