davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Letter sent XX/XX/2022 refuse to sign and sent back to me confirming my identity and name My name is not XXXX XXXX XXXX - that name is used on fraudulent accounts per the police report Letter sent again on XX/XX/2022 Attached Identity Theft Report Attached Police Report License attached with new driver license # separating me from the fraud that was committed by defendant XXXX XXXX. Full court records is public information. XXXX XXXX was found guilty of Fraud/ Impersonation - XXXX I have reviewed my credit report again XX/XX/XXXX and the 2 National Credit Systems account continue to reflect on my credit reports and I have not received PROPER validation from creditor to validate National Credit Systems with XXXX  at XXXX XXXX XXXX and National Credit Systems with XXXX  on XXXX XXXXXXXX XXXX  to validate these 2 accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account has been disputed and therefore a 2nd validation letter was sent out this day. After reviewing credit report again on XX/XX/XXXX XXXX there have been no updates and account is still reflecting on my credit report. 

These fraudulent accounts were removed by the assigned detective XXXX, ( XXXX ) of XXXX XXXX Police Department on my case and now they are back reporting on my credit report after I submitted Identity Theft Affavidit years ago. 

Spoke with XXXX XXXX Collection Representative XXXX ID THEFT To whom it may concern, I wrote you requesting validation of this alleged debt. I asked for very specific information in my initial request and again in my re-sponse to the information you sent on ( XX/XX/2022 ). I requested information that proves that not only a debt is owed and a breakdown of the debt, but that I am the party re-sponsible for paying it. As of today, you have failed to supply the demanded proof of the al-leged debt. Your response to my request was not a debt validation so I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a final act of good faith to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. If you cant provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

Failure to do so will result in me filing a complaint with the Federal Trade Commission for violating my rights as a consumer. The inaccurate reporting of this account is costing me thousands of dollars a year in interest. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WI)

This letter is regarding an ongoing problem I have encountered from Target for the past three and a half years. I opened a line of credit with Target in XX/XX/XXXX ; account number ending in XXXX. Although I have been a loyal trustworthy customer since XX/XX/XXXX and have never missed a payment ; Target is reporting my account CLOSED! This has been the reporting since XX/XX/XXXX. The irony in this is Target is reporting 40 plus on time payments. I am completely exhausted with this situation. I have put them on notice that I will be forced to report this to the consumer protection agency. I have put in over 10 or more disputes with Target in addition to XXXX. I spoke with someone from XXXX XXXX and the agent told me that although they can clearly see that the information is conflicting because how can I be using my credit card in addition to paying the bill every month on a closed account for three plus years. XXXX XXXX also stated they can not change inaccurate information unless Target agree that the information is in fact incorrect. Well to make a long story short Im at the end of my rope with this unprofessionalism. I even went so far as to request a new card number thinking maybe this will initiate some type of change in the reporting. Now Target is not reporting at all! I can not call this company anymore, I have put in hours and hours of my time with this foolishness! I just cant do it anymore, everyone I have talk to dont seem to have the ability or the authority to fix this problem. Deviating from their script is somewhat difficult for Target 's customer service representatives. Therefore, I find myself at your mercy.. I hope and pray this letter finally ends up in competent hands. I expected a much higher level of service from Target, and I am quite disappointed. Because I do not want to spend any more time on this problem, I hope you can help! PLEASE DO NOT let them say that they are reporting because they are not! This is what they have been telling me for 3 years every month to get me off the phone. They will attempt to say they are putting in a dispute and I should wait until the XXXX of the month to see the correction.. and the XXXX comes around and the same old XXXX! NOTHING!!! NO CHANGE!
Consumer complaint received 2022-05-16
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. (TX)

I have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX XXXXXXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (AZ)

XXXX gave account that was closed to Jefferson Catial Collection, i turned them in to FTC.GOV last year and it was Charge-off as dischage.Today in Mail got it again Secret Letter No-Name ecept mine, but left top it has? Return Mail Only XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-05-16
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. (OH)

XXXX, XXXX and Experian is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the U.S. Bankruptcy Court XXXX XXXX of Ohio which is false. I have attached a letter from the U. S. Bankruptcy Court Of Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. XXXX, XXXX and Experian is falsely stating this information and yet to remove this from my credit report.
Consumer complaint received 2022-05-16
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. (OH)

XXXX, Equifax and XXXX is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the U.S. Bankruptcy Court Northern District of Ohio which is false. I have attached a letter from the U. S. Bankruptcy Court Of Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. XXXX, Equifax and XXXX is falsely stating this information and yet to remove this from my credit report.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (TX)

XXXX XXXX, Synerprise Consulting, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 
Thank you for your time.
Consumer complaint received 2023-03-02
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. (SC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXXXXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00}, XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00}, ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX, my spouse and I certified mailed a proof of mailing and information request to USAA FEDERAL SAVINGS BANK. The communication was received on XX/XX/XXXX. Attached is the communication and proof of delivery. 

The communication simply requested information in regards to a consumer credit transaction that we entered into with USAA FEDERAL SAVINGS BANK on or around XX/XX/XXXX with the account # : XXXX. We requested to see a copy of the consumer credit contract, copy of the arbitration agreement if any, copy of any other documents on file bearing our signatures, the accounting for the account reflecting payments, credits and adjustments, and a clarifying statement of USAA FEDERAL SAVINGS BANKs role in this transaction. 

It has been over a month and we have yet to receive any information in regards to this request for information. It is our belief that USAA FEDERAL SAVINGS BANK does not have the original contract that bears our wet signatures. Therefore we would have no alleged obligation to pay an alleged debt owed to USAA FEDERAL SAVINGS BANK as there is no evidence of indebtedness. 

We also believe that the consumer credit contract is an instrument which evidences or embodies a debt. Our indorsement on the consumer credit contract is evidence of a debt. The consumer credit contract is a financial asset because the contract is an instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity. We gave USAA FEDERAL SAVINGS BANK a financial asset that the INTERNAL REVENUE SERVICE ( IRS ) deems as payment. Therefore, our indorsement on the consumer credit contract fulfilled our legal obligation to pay. Lack of proper and full disclosures led us to improperly transfer funds electronically using our personal debit information that has caused us financial injury.
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

Company is giving me the run around with a recently reported 30 day late on all 3 credit reports. They automatically take money from my bank account every week and my account on their website does not update correctly. This caused a huge issue with my account. My account is now paid off as of last week and I was told I was not going to be reported as late once it was cleared up. Their interest fees are also astronomical, based on this my account should have been paid off long ago. All I want at this point is for them to correct the error on my report that shows I am late 30 days. This has ruined my credit horribly.
Consumer complaint received 2022-05-16
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. (FL)

I have sent three certified letters to Equifax regarding collections below. I have asked to validate that the information that is being reported is mines, with signed contract or full account numbers etc. I have been getting letters stating that the collections have been validated but havent advised how they were validated, no new information has been sent to me and its been over 40 days. According to FCRA these claims needs to be removed.. 

Items in question XXXX XXXX XXXX XXXX XXXX$5600.00} XXXX XXXX  {$2900.00} XXXX XXXX  {$1200.00} XXXX XXXX  {$1100.00}
Consumer complaint received 2022-05-16
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: AMERICAN EXPRESS COMPANY (CA)

The XXXX credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXXAMEX XXXX XXXX XXXX Disputes have been filed internally through the XXXX website, but all attempts to remedy the situation have failed.
Consumer complaint received 2022-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (GA)

XXXX XXXX XXXX XXXX charged off my auto loan after they told me that I could voluntarily surrender my automobile in 2015 and I wouldn't owe anything but the three months late payments. They have continued to harass me about paying the outstanding loan of the car after several years of disputes about the amount being incorrect. I did pay a company a XXXX dollars toward the outstanding amount for the three months of late payments but now, this new company NCB Management was sold my file and it seems illegal that XXXX XXXX XXXX charged off my debt and received compensation by way of taxes, and now, according to the fair credit reporting act are required to drop this from my credit report. I also noted that NCB Management Services sent me their notification from an address associated with an address as part of an FTC lawsuit XXXX. The address on the mailer is XXXX XXXX XXXX XXXX NY and I suspect they are trying to illegally apprehend money from me that they are not entitled to receive.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I submitted a complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

There is a Dismissed Chapter XXXX bankruptcy equifax refuses to remove after 7 years. There is also a judgement they refuse to remove even though the judgement was never served to me and the full name is n't on the judgement. With the judgement they have reporting on my credit report with the amount of the judgement different from the credit report. I 've tried numerous of time dealing with these XXXX issues and equifax refuses to remove the errors.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (AL)

XXXX  XX/XX/XXXX XXXX charged my amex account {$150.00} twice. Amex allowed this fraudulent post and never flagged these large charges. In previous transaction I've only charged no more than {$60.00} and less yet Amex allowed this suspecious transaction of XXXX through twice on the same day. After flagging these transactions totaling XXXX on amex phone recorded call I was not given a temporary credit. I informed amex that my account was on auto pay and that XXXX would need to be credited to avoid those fraudulent charges from being pd. I truly feel amex is not following reg d a d violating other bank regulations
Consumer complaint received 2016-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Collection Technology Incorporated (AZ)

There is a company which was able to collect a student loan debt which is over 13 years. They were able to solicit to the Department of Education to take my income tax refund. The debt is too old according to law to collect. It is over 10 years old. The name is Collection Technology at XXXX, CA XXXX. The U.S. Department of Education, The National Student Database and the debt is too old to collect by taking a person 's income tax refund. I contact the Department Education and was inform my refund will not be returned. I no other option than to sue the Department of Education if this matter is not resolved.
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I've been a victim of predatory lending from XXXX. I turned vehicle over to lender in 2017. I have paid owed amount {$1800.00}, several times over. Predatory practices with extremely high interest continues to pile up to over {$8000.00}. I am now low vision and on permanent XXXX, yet company harasses and refuses anything but large amount of money. I live on fixed low income. I have disputed twice but it simply updates debt and adds more owed. Please help me!
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Luckmore Finance (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.
Consumer complaint received 2022-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report now.!
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitol One account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXXXXXX ( I ) report the account as current.