davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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)

This is my second time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2020-11-18
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: EQUIFAX, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2020-05-05
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. (AZ)

NM XXXX XXXX  should not be on my credit report at all. I have never once been tried for XXXX XXXX paid any money to a XXXX XXXX  division. This account was inaccurately opened and needs to be removed. I have paperwork that this was an error and needs to be corrected on my account.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, American Express ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the American Express account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for American Express ( see attached bank statement ) - On XX/XX/XXXX, American Express sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, American Express sent me a XXXX for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, American Express was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off American Express, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian credit has 2 mortgages reporting XXXX XXXX XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse
Consumer complaint received 2020-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding Acct # XXXX Date opened XX/XX/2016 or XX/XX/2016 ( depends on which credit report bureau ) $ XXXX $ XXXX {$720.00} ( depends on which credit report bureau ) The only reason I found out the accts were on my credit report was the fact I applied for a small business loan due to covid. I was surprised since I don't have a lot of debt. 

I immediately pulled all three credit reports to find out why my score was so low. At first, when I disputed the accounts with the bureaus thinking it was my old XXXX XXXX account and a debt collection co. purchased from XXXX XXXX acct. which I knew was too old to be reporting. Well apparently it isn't a XXXX XXXX account. Its some off the wall bank. 
I ended up googling the companies and finding out it is actually a bank and a debt collecting company on behalf of that bank. 

First of all, I have never heard of that bank and most definitely did not open any bank account. What is strange is I have never been contacted by either companies by any means of communication to ask for payment. I have had the same phone number for 22 years and lived at the same address for 7 years. I have requested information be provided as to when the bank acct was opened, who opened the account and where this took place, any executed agreement reflecting my info and signature, details on the debt like when and what was purchased for either $ XXXX {$720.00} or {$720.00}? and why haven't they contacted me. All three credit bureaus have different information. One states that this company is a factory???? Did I buy something there? If so, please provide actual proof that they have the right XXXX XXXX. This wouldn't be the first time this has happened but usually the bureaus remove it right away since it isn't the correct XXXX XXXX. Please look further into this. After they realize I am not the owner, please have them remove it from the Credit Report Bureaus as this is affecting my loan status.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2020-09-19
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. (NV)

A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from XXXX in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to XXXX and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of XXXX!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, XXXX went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of XXXX in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to XXXX is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

Unable to access savings account from Goldman Sachs bank, two seperate accounts opened over 2 years ago, Bank refuses to provide information on the accounts without a set password that I do not know. I would like to withdraw the money in both accounts and close any and all dealings with Goldman Sachs.  letter received was titled " Marcus by Goldman Sachs. ''
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have Asserted my FDCPA rights by previously filing complaints requesting SELECT PORTFOLIO SERVICES, INC to provide validation reference account number : XXXX. I acknowledge receipt of their latest correspondence which was dated XX/XX/2020. In their correspondence they listed information regarding a trustee, mortgage back notes and a servicer and also stated that ownership status may change from time to time however they provided no evidence of chain of title, authorization to service new owners etc From their correspondence : It is unclear if I was granted a mortgage because a trustee is involved It is unclear if this is a mortgage because mortgage back notes fall under securities and any note that has a maturity that exceeds 9 months becomes a security which is security fraud on the face of it Furthermore, when my signature went on the paper, it became wagering money and wagering money contract has to be settled at the end of 3 years SELECT PORTFOLIO SERVICES, INC never responded to the request of validation.
Consumer complaint received 2020-11-18
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. (PA)

I like to file a dispute for the following accounts. XX/XX/XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXXXXXX {$12000.00}, XXXX XXXX XXXX {$2200.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have asked them to provide me information on when these accounts were open, how they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts were opened up fraudulently in my name. I have filed an Identity Theft FTC Report. The report number is XXXX for your review.
Consumer complaint received 2023-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

YOU HAVE VIOLATED THE RULES OF THE LAW Pursuant to 15usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair and accurate. After looking through my consumer report I noticed that my report is inaccurate, and this inaccurate information is unfair for me because I was never notified of inaccurate information being furnished and I was never notified during this corporations initial investigation whether this information was true or not.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave mistake has undermined my confidence in your companies line of action, and because of this I will not be extending credit any longer and if this information is not removed, I no longer want my information reported in your companies records.

Pursuant to 15 usc 1681 ( a ) ( 2 ) Your corporation is a powerless elaborate mechanism. This mistake your company has caused has destroyed my reputation and this has adversely affected my credit worthiness.

Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company has assumed this role. You were never given permission by me the consumer, so not only did you fail in the initial investigation for this information. You also assumed this role and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15usc 1681 ( a ) ( 4 ) You did not make sure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You were bias to one side of the story and never consulted with me to find out if this transaction actually took place. As a result of this my privacy has been breached and this is a violation of my right to privacy.

Pursuant to 15usc 1681i ( a ) This consumer reporting agency has been verifying most of my disputes with no proper investigation. What is the method of verification? The XXXXXXXX XXXX XXXX XXXXXXXX account on my consumer report is inaccurate because there is no witness to partake who was there during the transaction. In pursuant to 15usc 1681 ( e ) To have a proper investigative consumer report there has to be an individual who is being interviewed witnessing the transaction. I also need to know if this information being verified is factual information. I need all of the details knowing that I am involved in these investigations. If there is no individual that was interviewed, and the verification is inaccurate then this is fraud and this account must be removed from my consumer report.
Consumer complaint received 2020-09-20
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. (CA)

I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( XXXX, XXXX XXXX and EXPERIAN and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. 

This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX XXXX CREDIT BUREAU reporting agency. 

Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXXXXXX XXXX ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). 

When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their account.
Consumer complaint received 2020-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I received a payment to my account and I initiated a instant transfer to my bank account. The transaction was frozen because i was being asked to identify my identity. I upload the documents and then told that my bank froze the transaction. My bank lets me know that they dont have any record of any incoming transfer. In the meantime Im being told that my funds are being held and my account is blocked because I havent given them my Drivers liscence, wich I uploaded when I first was asked to. Next Im told my account is closed and No longer can use their services. Eventually I receive a notification saying my account was credited the money I transferred and the transaction was canceled by the company. In my Account it never shows the balance Amount that was just credited to my account. Eventually I am told that the company sent my money to the sender and since Im no longer allowed to use Venmo I have to find another way Of getting my money back. They not only lied to me by saying my bank froze my account when my bank never even seen the transaction they took my money that was credited to my account and made a transaction to send it back to sender, a transaction that I didnt request
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (MO)

My Experian, XX/XX/XXXX and XXXX credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXX XX/XX/XXXXand XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (NV)

WAKEFIELD & ASSOCIATES ACCOUNT # XXXX They have continuously harassed me regarding a fake debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. by email, telephone and text. The supposed debt they are attempting to collect is, in my less than humble opinion, a classic case of potential XXXX fraud. As such, I have contacted XXXX XXXX XXXX Department, the XXXX XXXX XXXX XXXX, and the XXXX. 

On XX/XX/2022, I visited the emergency room of XXXX XXXX XXXX XXXX and was seen by the ER nurse which resulted in a XXXX billing of {$1900.00}, in two parts of {$1900.00} and {$70.00}. The bill was paid in full by XXXX and my supplemental insurance carrier, XXXXXXXX XXXX XXXXXXXX, in accordance with negotiated payment guidelines. 

Now, XXXX is attempting to collect the XXXX billing a second time but in a total amount of {$1900.00}. Duplicate billings of this nature constitute possible XXXX fraud - period! 

I have spoken to XXXX who appears, at least to me, to delight in their juvenile attempt at fraud. While Wakefield & Associates may be an innocent bystander in possible attempted fraud, an additional billing for the same service provided only once is still possible fraud.

The proof of payment is attached and shown on page 3 of 6 of the Explanation of Benefits taken directly from XXXX website. 

I am successfully retired as a XXXX XXXX XXXX and not an uneducated village XXXX. I understand XXXX XXXX and XXXX extremely well. I have a current XXXX credit score of XXXX out of a maximum possible score of XXXX. So trust me when I say that any further collection of a fraudulent billing by either XXXX or Wakefield & Associates or fraudulent entries to any of the three major credit bureaus will be met with a personal and professional injury lawsuit which I am more than capable of affording. 

XXXX should be prosecuted for attempting to participate in possible XXXX fraud.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one auto finance is incorrectly reporting my home address from a charged off auto loan. They are still reporting and old address from 2013 '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXXMy current address " XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Could you please update the address and report it correctly. Thanks!!
Consumer complaint received 2024-02-24
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. (FL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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.