davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX HEY! FIX THIS XXXX NOW! 

Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

I had an installment loan with XXXX XXXX.The loan was initially for $ XXXX.It was a 10 months term.I paid the loan for 7 mos and I started to struggle do to medical reasons.I notified the company but they wouldn't work me.They talked me into refinancing the entire loan and started the process again.At this time when I missed payments I was threatened with a lawsuit, wage garnishment along with the harassing phone calls.I called the office to try and work out something but with these people they say you pay us this amount or nothing at all.They even send partial payments back to you because they have did this to my mother. 
They refused any arrangements and charge-off my account and the amount is {$400.00} more than the amount I received.They have ruined my credit and I think that's what they wanted because of the type of people they are.
Consumer complaint received 2017-06-02
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: ACS Education Services (AZ)

Three times I have submitted requests to the 3 individual credit bureaus as well as ACS Education Services requesting the inaccurate reporting of the late payments in XX/XX/XXXX & XX/XX/XXXX to be removed for all 4 of my federal loans with acct numbers XXXX, XXXX, XXXX, & XXXX. <P/>The agency reported a timely payment in XX/XX/XXXX, 60 days late XX/XX/XXXX, & 90 days late XX/XX/XXXX for all my accounts. During this time I was struggling with the company to approve my IBR. OnXX/XX/XXXX I spoke to agent # XXXX with ACS who retro-acted my deferment to XX/XX/XXXX to be active until XXXX. I followed up onXX/XX/XXXX, to ensure my account was current was spoke to a man, XXXX, @ XXXX XXXX ( MST ) who stated I was in deferment with a bal of {$0.00} since XX/XX/XXXX. <P/>Every time I have requested the inaccurate reportings be corrected ACS places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Consumer complaint received 2019-10-17
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (FL)

On ( XX/XX/XXXX, XXXX, XXXXXXXX XXXX  and XX/XX/XXXX, XXXX, XXXX 2024 and XX/XX/XXXX, XXXX, XXXXXXXX XXXX  and XX/XX/year> ) I received phone calls from this company. This company is does not obtain direct consent about any debt pursuant to 15 USC 1692c ( 1 ). I tried contacting this company through email to request verification of this alleged debt which it is nowhere to be found. I refuse to pay this alleged debt and is demanding that this company cease and desist the collection of this alleged debt through any means pursuant to 15 USC 1692c ( c ). They do not obtain my consent to communicate about any debt, an agreement creating this alleged debt ( 15 USC 1692f ( 1 ) ), this alleged debt is deceptive 15 USC 1692e, and they invaded my right to privacy ( 15 USC 1692 ( a ) ( 1 ) by obtaining my personal Identifying information under false pretenses for their financial gain ( 18 USC 1028A ). I have not benefited from this alleged transaction.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Paid final payment and Capital One sent email voicing payment was received and title would be transferred once payment cleared. XX/XX/2021 payment made for {$730.00}. Capitol one closed account and app. On XX/XX/XXXX, I noted an email stating I had a payment due. I returned to the app and noted that it was reopened and said I owed {$730.00} again. I called Capitol One, XX/XX/2021 and they said upon account review a system error was noted. The representative reassured me that the account payment would be reapplied and no additional charges or principle would accrue. XX/XX/2021 I noted the account still reflected my payment was " returned by COAF '' multiple times. I called Capital One and the rep voiced that the payment was returned multiple time due to " insufficient funds '' or " wrong account number '' I contacted my bank and was notified that the payment was not returned. I notified Capital One that the payment was not returned. I was asked to fax my bank statement, I requested email due to security issues with faxing. I was told I could not email. I requested documented proof that payment had not cleared and was told this would be emailed to me. I did not receive the email. I was notified the specialist, XXXX would return my call XX/XX/2021. I called Capital One on XX/XX/2021 to notify that my bank had reviewed the account and that my payment was not returned and that I had my bank statement to forward. I requested email again for security and was again denied the email address. I was told to fax and I asked to whom I should attention the fax to. I was told that there was no one to attention the fax to. I asked to be transferred to the specialist. The representative told me the specialist office was closed and that the transfers would not go through. I was notified that it would now take 3-5 days to review my account when prior I was given the time of 24 hours..

My complaint concerns : an Auto Loan
Consumer complaint received 2017-06-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

There is no rea son Wells Fargo Bank,  the now Servicer on a Broker originated,   XX/XX/XXXX ,  XXXX  %, Interest Only Refi of my principle residence, is again saying they did not receive the Mod docs.  <P/> In   XX/XX/XXXX     I went into the branch to inquire about the streamline refi that they were offering their  XXXX  clients at that time, at that point I had paid  XXXX  in interest only payments on a  XXXX  so called loan that is now  XXXX .   Not only did the in branch broker give me a flat no, he explained that  Wells Fargo B ank now was the "  Servicer  " of the paper or loan, and that they did n't originate it, yet many times they claim to have originated it.  <P/> Then after finding the " Investor '' of my so called loan was in    XXXX   court  and list ing Wells Fargo a s a Unsecured, Non Priority, Creditor and disputed their claims to said loans.   Then I was told that I could not even apply for a mod unless I was 4 months delinquent and that started this nightmare where  Wells Fargo  Bank engineers Defaults, and Foreclosure for profit schemes, driving homeowners/Banking clients into a situation that makes any form of work out impossible, while maximizing their profits on moneys they admit they never lent.   When I requested the closing documents and whatever document prep company they used had claimed to have paid my second with  XXXX  through closing that made they issues even more complex as I paid the total second in full  two  months prior to closing and have the cancelled checks to prove it.   I have submitted these t o Wells Fargo Ba nk many times and they have many times refused to investigate, and have many times denied this to this bureau and in the courts.   I would say that these issues could be coming from third party vendors that they use in their foreclosure schemes that they have never halted even after the mortgage settlement court orders and refuse to behave in an ethical way in their business model.   Their Vision and Values are aligned with buyer lawless behavior at any cost regardless of how they destroy the lives of millions of hard working Americans without a single accountable senior employee being held responsible.   Im sure this is just a real drag for everyone to have to deal with and respond to and actually look into, and we know that does n't happen.I am going to upload some documents to show you how this pillar of  Vision  and Values treats a long time banking client.
Consumer complaint received 2022-12-16
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: CITIBANK, N.A. (GA)

15USD 1681 section102 States I have the right to my privacy.

Section 604 It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC1666B A creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It has been over 4 MONTHS since my last complaint about receiving my CREDIT " FILE '' and Transunion still has not sent it to me at all. They only sent me my ''CREDIT REPORT '' and at this point are playing games with me. If TRANSUNION does not send me my ''FILE '', also known as CREDIT FILE, within seven days of seeing this complaint LITIGATION WILL BE BROUGHT UPON THEM IMMEDIATELY!! TRANSUNION is now in violation of 15 USC 1681g ( a ) and 15 USC 1681g ( a ) ( 1 ).
Consumer complaint received 2021-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XX/XX/2021 some one applied for credit card under my name without my consent, I do not acknowledge any debt, I want everything to be deleted Im a victim.
Consumer complaint received 2019-06-17
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 a total of 17 derogatory items that do not belong to me with XXXX, Equifax, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different  spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX  11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX  15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2019 I was approached online via email from a person wishing to purchase art from me. I agreed to create art for them and they sent me a check in the mail. The check had several security features and appeared to be from a reputable source. I deposited the check into my Wells Fargo checking account. Part of the money sent was to be for a shipping agent who was supposed to pick up the art from my home. Once the check cleared ( or appeared to clear ), I sent {$1800.00} to her shipping agent via online payment services. I also ordered her canvases from my printer. She then canceled her order and asked for a refund. Since the funds had appeared to clear, I processed her refund for about another {$1000.00} total. The check bounced after I paid her the refund which resulted in my account being overdrawn in excess of {$3000.00} including fees. Im on social security XXXX and only make about {$700.00} a month. The bank never should have made the funds available if the check was bad. I went into the bank and asked what I could do and they said there was nothing I could do but pay the {$3000.00} to get my account back in good standing. They are also charging daily overdraft fees. Its an unfair banking practice. I did nothing wrong, in fact they said they made the funds available because Ive never bounced a check and have been a good customer. Im scrambling trying to open a new account for my XXXX benefits to be deposited into each month. Until I can do that I have to have social security send paper checks, a major inconvenience when I did absolutely nothing wrong. I have also reported the person of the transaction that scammed me to the consumer protection agency.
Consumer complaint received 2017-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Media Collections, Inc (DC)

I just checked my credit files and notice that Joseph Mann & Creed, filed a false account on my credit files. I disputed this before with another company and now they sent it to Joseph Mann & Creed and now they are calling me and make false claims to collect this debt. This is not my account and does not belongs to me.
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2022-03-22
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 XXXX  XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Per the FCRA a charge off account cant report a monthly payment. Due to the nature of the situation and given the opportunity multiple times to update I can request a deletion under the FCRa. 
XXXX XXXX is reporting a monthly payment on a charge of account
Consumer complaint received 2022-12-16
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.