davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (IL)

I want to file this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. I sent them letters several times but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included here with the report number XXXX. 

I sent them a letter dated XXXX which was received and delivered to them last XX/XX/2023, and I called them last XX/XX/2023, and XX/XX/2023 and according to the agents and supervisor my documents were rejected because of the " invalid FTC report '' I called the FTC according to agent in FTC all the information in the report are correct and invalid and could not see any reason why Equifax consider this one as invalid. I called them again dated XX/XX/XXXX and XXXX, 2023 but still were requested to resend again the documents. 

I have also attached all the documents needed to support this complaint. ( updated/revised FTC report , package letters, Driver 's license, proof of address )
Consumer complaint received 2019-10-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (UT)

I have a letter dated XX/XX/2019 stating that I paid in full six accounts for XX/XX/XXXX. I XXXX XXXX collected the money for XXXX XXXX and the total paid was {$910.00} for the six accounts. XXXX XXXX XXXX notified Equifax on XX/XX/2019 that the accounts were paid in full and needed to be deleted from my credit report. When i called Equifax to make sure these accounts were deleted they told me XXXX XXXX XXXX started an investigations on these accounts on XX/XX/2019. I asked Equifax why would XXXX XXXX XXXX start an investigation on these accounts when they know they were paid in full. Equifax hung up the phone and i called back they kept saying that this would take 30 days to come off my report. I told them i would fax the proof that these accounts were paid in full and needed to be deleted.On XX/XX/2019 i faxed proof to Equifax that these accounts were paid in full and needed to be deleted from my credit report. I called Equifax at least six times trying to fix this problem and it still shows on my credit report a collections for XXXX XXXX XXXX in the amount of {$130.00} that was already paid in full. More than 30 days have passed since they were notified by XXXX XXXX XXXX that the account was paid in full an needed to be deleted. I notified them again XX/XX/XXXX by fax, so they have been notified twice that these accounts are paid in full and must be deleted from my credit report. Equifax is breaking the law reporting that i have collections with XXXX XXXX XXXX when i do not. I expect this government agency to hold Equifax accountable for their criminal actions.
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (AL)

On XX/XX/2019 I received calls from XXXX twice within 10min.  They claim they are Regions Financial collecting on an account for a company called XXXX XXXX. I have never heard of this company nor have I ever purchased furniture on time. They asked for my SS #. I would not give it & they actually read off the SS # attached to the account they were referring to! When I stated that was not my SS # or  my address that they gave, I was threatened that the police would be contacted. I told them, Please do. I do not even live in the city of the address they gave.
Consumer complaint received 2019-10-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc. (VA)

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a collections representative contacted me to collect past due payment on my car loan. After I tried to set up arrangements I was told on each call that I need to make a full payment or they can't guarantee the safety of my vehicle. On the call today XX/XX/XXXX I was told my car will be repossessed if I didn't make a full payment. My vehicle isn't even in the department that handles repossessions nor do the Representatives that I spoke with have the authority to issues a repo. Blatant violation of fdcpa regulations
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a number of misleading threatening phone calls over a span of several years from Portfolio Recovery Associates who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company
Consumer complaint received 2021-03-03
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. (IL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (CO)

There is a collection company called Credit Control LLC that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called XXXX XXXX XXXX. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX  XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank (GA)

On XX/XX/XXXX, I went into Synovus Bank in XXXX, Ga and talked to XXXX XXXX. I had an automatic draft coming out of my account from XXXX XXXX XXXX on the XXXX of every month. I advised her that I need to stop payment on this company in the amount of XXXX. She did the paper work to stop the payment on that company. I paid the necessary fee to stop the payment and come to find out it was never stopped. I was recently informed by another home security company that the money was still being taken out and that what lead me to call the home office of the the bank. Upon talking to a representative in the home office of synovus bank, I was told that XXXX XXXX put in the wrong stop payment number and that is why it never stopped. This went on from XX/XX/XXXX to XX/XX/XXXX. The bank is telling me that they will not pay me all of my money back for their mistake and that I was responsible for checking my statements. They have agreed to only pay me 6 month of back pay when they owe me for 13 months. This clearly is a mistake on their end and I feel like its their responsibility to clear it up. I did everything on my end to stop the payment and I feel like I should not have to suffer from the loss of their mistake. Please help me to resolve this issue.. Thanks.
Consumer complaint received 2019-10-03
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: CITIBANK, N.A. (PA)

My girlfriend opened a best buy credit card in 2014. I was denied for being a co applicant. but they told her they would send them a card with my name on it too. because they made me an authorized user. I didnt have access to any account information i couldnt call to pay a bill she had to do all of it. we broke up. and i had her call and take me off the authorized user because we were no longer together. so she did that. but now the credit card late payments are showing up in my name. on my credit. she told me the account is closed now. and that she doesnt even have the card any more. But its showing on my credit.
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (GA)

Not mine inquires/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XX/XX/2018 I initiated a XXXX transfer for {$240.00} to XXXX XXXX Ref # XXXX. Her phone number was XXXX and email XXXX. She was to send me an XXXX XXXX XXXX that she was selling on the website XXXX. She told me she would save me {$20.00} if I bought direct from her which unfortunately I did go direct with her. I contacted my bank Wells Fargo as soon as I realized I got scammed as she refused to answer my calls, texts or emails. They gave me a claim number of XXXX and a Reference number XXXX and after waiting 10 days told me to continue to try and contact this person that there was nothing they could do for me and closed my claim. I find it hard to believe that there is no way for the bank to track this person down. And harder to believe that the bank offers such a service of money transfer and does not offer me the consumer any protection at all.
Consumer complaint received 2019-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NV)

I purchased this car in XXXX of XXXX brand new. The payment was super high as I had to rollover my old car loan into it. The payment was almost 800 a month. I was able to rewrite the loan XX/XX/XXXX for a easier payment of XXXX a month. I was married at the time and able to afford it. I however became separated early XXXX and then divorced in XX/XX/XXXX I called Ally multiple times to ask for extensions lower payments and even a new loan..I tried to get a different car to get into something I could afford but I was so far behind on payments I was unable to. I love my car and I love my loan company. I have been late with them a few times and they always send me letters to remind me I am late and then it happened 2 times ... The final notice of payment came in mail..I always struggle with finding to pay just the actual amount of the loan and then Seeing the big amount I freak out. I have XXXX babies that rely on me and I need my car. I have put everything into that car. It is worth maybe 14k now and I still owe about 20k ... .I feel as if I am never going to get out of this loan. I need help and am struggling to pay this ... it usually is between food or car.
Consumer complaint received 2023-07-26
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)

XXXX is in violation of the following : 15 U.S. Code 1681b - permissable purposes 15 U.S. Code 1681c - information contained in consumer reports 12 CFR Section 1022.3 - identity theft Plus, the account has been fully discharged, settled and satisfied.
Consumer complaint received 2020-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-05-10
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. (CA)

After months of back-and-forth with a XXXX XXXX bank and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card green dot bank ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank
Consumer complaint received 2023-06-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believeXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-03
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. (TX)

In XX/XX/XXXX we accepted a 3 month deferred payment plan as a result of Hurricane Harvey.  XXXX XXXX gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. 

Despite this, XXXX XXXX has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with XXXX. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. XXXX XXXX received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by XXXX XXXX. 

On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since XX/XX/XXXXand confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting XXXX XXXX. 

We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP (IA)

The US Bank XXXX  XXXX that I have has a vary large balance and is very unwilling to waive late charges and discuss about what a fee of other debits mean on the statement/account. The representative didnt know what those were. Also they denied me to waive the late charge but also failed to offer to waive interest accruing on the account. Also the interest rate is too high. My previous past employer XXXX XXXX has tapped into my personal debt to income ratio and was discussing to my employers to terminate me at the XXXX & XXXX.
Consumer complaint received 2019-10-03
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. (FL)

XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX & XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX. 

In my first dispute with EXPERIAN their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. EXPERIAN an XXXX are reporting this company XXXX XXXX XXXX. 

Now EXPERIAN says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX  is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reported to Transunion that my identity was stolen and they still allow the charge for XXXX XXXX XXXX to remain on my report for {$180.00}. The charge does not belong to me. I have filed an official Identity Theft Report that included the collection of {$180.00} by XXXX XXXX XXXX, a company I have never had no dealings and no knowledge of. Attached is my official Identity Theft Report.