davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent transactions but also aware that this account had fraudulent transactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent transaction and the accounts in dispute. I have never had any goods or services from these transactions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions i did not give any permission to charge my credit cards or use my personal for any reason. I have contacted Discover multiple time and reported the fraud and nothing has been done and they just keep saying that i have to pay for the fraudulent transactions on the account even after they have requested me to file a police report and identity theft affidavit that have done. 
The fraudulent transactions haven't used the card since 2014 the fraudulent amount is {$4500.00}
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX XXXX XXXX  XXXX '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing 20-19700-PDR with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. 

Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

On XX/XX/2021 Medical Data Systems Inc. started reporting I had owed XXXX XXXX XXXX XXXX XXXX {$2800.00} AND reported the exact same debt as 2 collection accounts. 

I never received a bill from XXXX XXXX XXXX XXXX, or was I aware of a bill owed them. I have sent two certified letters to Medical Data Systems Inc. requesting they verify the debt and both have been ignored.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I had a XXXX credit card back in XXXX with balance of {$10000.00}. At that time I was going through financial difficulties loosing my properties, and employment. I was making minimum payments and called XXXX to negotiate to reduce my minimum payments until I could get back on my feet and able to pay more. Instead of that XXXX closed my card and increased my minimum payment and the burden was too great. I stop paying the card. Last payment I made on XX/XX/XXXX, and the credit report says debt " charged off ''. A few months later I got notice from Midland Funding LLC that I owed them about {$12000.00}. According to credit report It was placed for collection on XX/XX/XXXX and was removed in XXXX. I did not received from court or Midland Funding any court proceeding after lawsuit was filed in XXXX. Didn't receive notice of hearing or copy of judgment or any copy of default judgment from court or Midland at all. Also I never received notice of motion to renew judgment or copy of renewed judgment from court or Midland Funding. I live at same address and would not miss any court notice and hearing. I did check credit report every year and it was no public record or any judgment. XX/XX/XXXX I received notice of wage garnishment from XXXX, XXXX for {$22000.00} that took effect on XX/XX/XXXX 25 % of my wages and it is causing great hardship on my family and finances. I believe it is time-barred debt XXXX more than 10 years ) that I was sued for without my knowledge. I received no copies from court or Midland of said judgment.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX, I received two letters of denial from XXXX XXXX. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX ID XXXX, Dispute case ID XXXX and XXXX. XXXX and XXXX  is blatantly punishing a victim of identity theft. XXXX and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX and XXXX  continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

this Tuesday CHIME bank froze my account. I didn't know it, and deposited cash into my account, which they happily took, but will not let me access my funds or my account. I sent him documents they requested, and here it is Friday and nothing still. customer service is HORRIBLE. no reply to emails, no explanations, no nothing. it's like theft. I've done nothing illegal with my account, so they have no right stealing my funds. I want access to my hard earned funds now
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (DC)

WESTLAKE FINANCIAL SERVICES is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE FINANCIAL SERVICES. WESTLAKE FINANCIAL SERVICES ARE THREATENING TO UNLAWFULLY REPOSSESE MY AUTOMOBILE ILLIGALLY ON XX/XX/2022, if I don't pay this ALLEGED DEBT, without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail and it was delivered and received XX/XX/2022. Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. WESTLAKE FINANCIAL SERVICES is attempting to collect a debt in the amount of {$480.00}, there is NO CONTRACTUAL AGREEMENT between XXXX XXXX XXXX and WESTLAKE FINANCIAL SERVICES for them to lawfully reposes my automobile, there for WESTLAKE FINANCIAL SERVICES is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. I DEMAND WESTLAKE FINANCIAL SERVICES CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I received two letters of denial from Wells Fargo. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from Wells Fargo stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXXWells Fargo consumer ID XXXX, Dispute case ID XXXX and XXXX. Wells and XXXX  is blatantly punishing a victim of identity theft. Wells and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. Wells and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. Wells has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. Wells and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. Wells Fargo bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. Wells and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if Wells Fargo and XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I had a SPARK business credit card with Capital One, I have been using it actively and was paid automatically with no delay, then, my credit card stopped working and I thought I ran the magnetic stripe. Never thought anything of it as my bills were always paid and I froze my credit account last year in avoidance of hacking or identity theft. 
Then, I called on XX/XX/XXXX and I was told that my account was closed by the bank because they sent me mail requesting my business XXXX number, and address and my failure to respond caused my credit card to be closed. After hearing this from the representative I immediately, paid off my remaining balance right there and then because that is who I am I pay my debts. Then, when I asked about my points, I was told that it was already redeemed when I have not redeemed a single point. During that call, on XX/XX/XXXX, the representative said that to call back because it's on redemption. 
My reason of complains are the following : 1. Capital One did not ensure that I will receive the postal mail that was supposedly mailed last XX/XX/XXXX. It was not a registered mail, there was no follow up mail or letter to assure that's its been received. 
2. I never received any text or courtesy call regarding this matter.

3. I never heard back from Capital one at all.

4. I only realized that the problem was not the physical credit card when my automatic bill pay was cancelled. I could have lost my benefits from my insurance company because of this action from Capital One. 
I deserve to be treated kindly and with respect and fairness. 

This is an unacceptable action from Capital One. I want my points back, I paid for it and own it. This company needs to change their procedure in contacting clients, it is wrong and ineffective to assume that a single non registered letter is sufficient to get the attention of their clients when we now live in the digital age. 

Thank you for your help! 

XXXX XXXX
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

My student loans where included in my XXXX XXXX XXXX in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.
Consumer complaint received 2021-01-27
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2.XX/XX/XXXXXXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made XXXX payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX @ XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.
Consumer complaint received 2021-05-02
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. (NC)

Old charge-off by XXXX XXXX sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Radius Global Solutions, LLC located in XXXX, MN contacted me by mail in XX/XX/XXXX to collect a debt owed by my spouse for XXXX XXXX  completed for him by XXXX in XX/XX/XXXX in the amount of {$230.00}. 

Radius LLC stated they would send a negative report to the credit bureau ( s ) for me, if the above amount was not paid within 30 days of their dated correspondence XXXX XXXX XXXX ). 

I sent Radius LLC a certified letter on approximately XX/XX/XXXX, informing them that this was not my debt, and that I had not signed in approval of any services rendered in connection with this debt, or any other related debt for my spouse. Further, I notified Radius LLC that, unless they could provide me documentation that this is my personal debt and I am legally liable, they should not contact me for attempted debt collection, nor report derogatory information about me to the credit bureaus. In the meantime, I also notified Radius LLC I would report this issue to the Texas Attorney General, which I did ; my complaint was confirmed as received, as of XX/XX/XXXX. 

In sum, I have received a billing statement originating from XXXX, which identifies my spouse, as the patient, for whom his doctor requested testing. I have never met or spoken to his doctor. This billing statement in my spouse 's name does not confirm my financial responsibility for services provided. It only supports the fact that my spouse is the sole party who signed and authorized services at that doctor 's visit. My spouse is, therefore, financially responsible. Radius LLC should be contacting him, alone. 

These debt collection practices are beyond unfair. They do not seem legal.
Consumer complaint received 2021-11-18
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: 3rd Generation, Inc. (CA)

I have sent Identity theft paperwork to remove accounts resulting in identity theft. 
The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. 

CALIFORNIA AUTO FINANCE XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.