davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-28
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: EQUIFAX, INC. (FL)

For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX  and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I contacted this agency through mail with written notice asking them to verify that this account belongs to me either with a copy of my ID, a signature, or a copy of my social security card. This agency responded by sending me 3 letters asking me to send my request in writing but I already did that. This issue is stopping me from living life to my fullest potential and i need action taken as soon as possible.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (AZ)

A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for American Express ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.
Consumer complaint received 2018-07-28
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. (FL)

For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I had filed a dispute against XXXX XXXX on XX/XX/XXXX. Claim # XXXX for {$200.00} as the refrigerator that was delivered to me was missing the internal shelves. XXXX had refunded me {$380.00} which you will see as a credit on my account and this refund was due to scratches and external damage on the exterior of the refrigerator. When I asked XXXX to refund me for the internal shelves, they said they wouldn't refund me for the shelves and would refund me only for the external damages and those shelves cost {$200.00} and that's why I disputed only {$200.00}. 

When I initially opened this dispute, I had clearly mentioned to the bank that the credit of XXXX was for external damages and I still need credit for the internal shelves that XXXX is refusing to give and hence this dispute. 

I got a letter from the bank on XX/XX/XXXX stating that " thank you for letting us know that you no longer wish to dispute the {$200.00} and we are closing this dispute '' - Are you serious? I never ever called you to cancel this dispute. you guys closed it on your own without any consent which is ridiculous. When I called the bank they stated that XXXX already gave you a credit of {$380.00} so we canceled this dispute. Are you serious? Did you even read my initial claim properly? I need this dispute reopened and {$200.00} back from XXXX or the bank whoever wants to give it.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (NY)

Hello, I have sent multiple emails to Mastercard -XXXX XXXX  that the address listed in my file was incorrect and that I was not receiving billing information related to the Credit Card. In addition, during the Covid19 pandemic, I strategically did not use this card that has a XXXX credit limit because I did not want to be in debt because of the lost of income during the pandemic. 

However, Mastercard-XXXX XXXX reporting that I was late 30 days for the month of XXXX and 60 days late for the month of XXXX {$630.00}. The credit limit is {$15000.00} however they reported a late payment of {$630.00} although I have been an oustanding Client for 4 years.
Consumer complaint received 2024-02-20
Product: Credit reporting 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

Complaint about Accounts With a Negative Pay Status I never had the XXXX service and wanted to dispute it called collections SW Credit Systems to have it removed. 
I came to the terms with them that if I pay this debt they will erase it off my credit. I never purchased the service and never had an account with XXXX. I assume this would be the easiest way to solve the problem as I was told by SW Credit Systems. 
I paid the balance and SW marked the debt as paid and left me with a Negative pay status. Instead of what the representative promised to remove it completely. 

Company complaint about of a fraudulent XXXX bill. 
South West Reference Number # XXXX XXXX credit systems XXXX XXXX XXXX XXXX TX XXXX People involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts With a Negative Pay Status LENDERTYPEBALANCE Southwest Credit Sys ... 
CollectionsCOLLECTION/CHARGEOFFOther {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Amount Past Due Not Reported Account Details Bureau Name SW CRDT SYS Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XX/XX/XXXX Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Paid collection.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NJ)

I am complaining for the second time about the same issue : the Chase XXXX XXXX ( being marketing as a premier travel card ). Again, I discovered no auto payment was taken out. Again, I directly called customer service and was told I was OK - no payment due because my credits exceeded my purchases for the month. But this was precisely what caused Chase to threaten cancellation of my card prior. This time -aware of this issue I inquired directly again to customer support " Do I owe anything ''. The response a full 5 minutes later - after manual calculations on their end - was that nothing was owed. Again, looking online at my account, it is impossible to ascertain exactly the timing of credits and purchases to see if my credits are over my purchases for a particular time period. So Chase 's prior suggestions saying that a consumer should do that - is impossible as the online system does not provide the cycle timing to be able to compute this. In short, the consumer MUST rely on Customer service to tell them if a payment is due when the AutoPay has not gone through. Given that the purpose of utilizing AutoPay is to cover all payments due - Chase is putting consumers in an untenable position. It's not possible to tell exactly what is due because of the way they provide information online and their Customer Service people are responding with 'nothing is due. '' Secondly, again, as the card is being marketing as a premier travel card - sending notification via paper of card in errors - is disingenuous. They can do this of course, but if the consumer has elected email notifications - precisely because they travel - then the company is best advised to provide notifications in duplicate or triplicate or however they wish but certainly in the manner the frequent traveler has requested. Bottomline - Chase appears to be " tricking '' the customer into non-payment.
Consumer complaint received 2021-10-21
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: CORELOGIC INC (IL)

Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (VA)

They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on XX/XX/XXXX.
Consumer complaint received 2018-10-03
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. (GA)

XXXX, Experian and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (KY)

I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt.

A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties.

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law.

" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested.

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both.

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me.

Kind regards,
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the XXXX Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on XXXX, TransUnion, XXXX, XXXX, XXXX, XXXXXXXX and XXXX  XXXX. Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (AZ)

On XX/XX/XXXX I pulled a credit report off my XXXX Credit card online portal. The XXXX  report showed that my credit has decrease, so I started to investigate and found a collection notice on my report filed Collection Agency named AARGON COLLECTION at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX had filed a collection notice on my credit report for {$1800.00} that was open XX/XX/XXXX. This is not my charge so I called AARGON and they told me that XXXX XXXX had file a claim against me for {$1800.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX installed in car. This is not my charge so I called AARGON and tried to contact XXXX  and they would not answer their phone. I called AARGON back on XX/XX/XXXX and this time they said the account number XXXX is filed under a person named XXXX XXXX Case and since this not me they could not give me additional information to clear the this off my credit report and I would need to file report with FTC.GOV and send it to them. 
AARGON Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Fax- XXXX Account # XXXX Amount - {$18000.00} -Account Open XX/XX/XXXX, No payments have been made. 
Company Name- XXXX XXXX XXXX Message only XXXX XXXX XXXX XXXX XXXX XXXX installed on a car XXXX  account XXXX Phone # XXXX XXXX XXXX Called AARGON and spoke XXXX- Could not find my info Called AARGON- XXXX on XX/XX/XXXX Said this account was under XXXX XXXX Case An he could not share additional info with me because not correct name. 
Supervisor XXXX XXXX XXXX Need to contact FTC>GOV file claim. 
Left 3 message at XXXX on XXXX phone XXXX
Consumer complaint received 2020-11-04
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. (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2021-04-07
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. (CA)

On XXXX XXXX I sent a letter to Equifax requesting to positively verify or remove four unknown accounts and three fraudulently inquiries listed on my XXXX  credit report and they have yet to verify the accounts or remove the inquiries. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
It is now XX/XX/XXXX and I have not received any information on the investigation or verifiable proof nor have the accounts been removed.