davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
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)

Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

FCO injunction with XXXX XXXX is charging me after I moved out the home. My lease was over XX/XX/2020. I moved out and was given a XXXX balance. A year later they have FCO has place a collections notice on my credit file stating I owe {$3200.00}. However, after looking at the account information they sent to validate the claim. It shows bills and fees after I left the home. Moreover, the account also, shows bills already paid in full. Please look at my last ledger given to me that shows my move out date and bills paid against their " Move out Statement. '' There is no way Invitation homes would have let me live in a home for two months without paying my bills and I not get evicted!
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

In 2014 I purchased a bed and accessories from XXXX XXXX which was serviced by XXXX XXXX on a merchant 's store credit. In addition, I paid for accessories by separate individual credit card not associated with the store, XXXX XXXX or XXXX XXXX. Upon delivery, it was discovered that the salesperson at the store had incorrectly allowed for the size of the bed frame built in to my bedroom. While the installers were still on the premises both the installers and I placed calls with regard to this situation. The installers were instructed by their company to return all items and cancel the transaction. XXXX XXXX advised me that the transaction was being cancelled and reversed. All accessories purchased separately by me were returned to the store and I was advised that ALL charges would be reversed. I eventually received a refund for those accessories. Since then, XXXX XXXX has attempted to re-charge me for the returned accessories or other items. I have communicate with multiple debt collection services over the years and with XXXX XXXX. XXXX XXXX continues to report this as a debt and has damaged my credit standing significantly for several years. This ongoing attempt to collect a non-existent and false debt has amounted to harassment. At this point, I intend to file an action against both XXXX XXXX, XXXX XXXX and any debt collection agency in accordance with the provisions of the FDCPA, FCRA and state laws governing attempts to collect a debt not owing and damage to my credit standing.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Fraudulent unauthorized ACH withdrawal by XXXX XXXX  from Wells Fargo bank checking account ... # XXXX on XXXX for " Garbage/Water '' We don't have any Garbage/Water service from them. As per XXXX search XXXX XXXX  is technology company and has not been in business of Garbage/Water service. XXXX, XXXX, I called Wells Fargo on XX/XX/XXXX, ( next day ) about fraudulent charges of {$170.00}, Wells Fargo Fraud claims no : XXXX, On XXXX : spoke to fraud dept, Claim Declined and said " Federal law requires to report fraud complain in 24 hours of fraud posting on the account, so money is not going to be refunded ''. 
On XXXX : spoke to XXXX XXXX, Wells Fargo case number : XXXX, XXXX Executive Case Specialist, Wells Fargo Business Virtual Channels, XXXX, Declined description of the ACH withdrawal matched checking account info, so refund is not given for fraud claim. two different stories by Wells Fargo bank. Again on XXXX : spoke to XXXX ID XXXX Resolution dept/Assistance Unit, Declined and said fraud happened and posted XXXX XXXX of XXXX and I called on XXXX at XXXX-36 hours after posted on checking account so fraud claim was declined.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MS)

The terms of my mortgage was changed by XXXX XXXX and then my loan was sold to Rushmore Loan Servicing ( XXXX ). They changed my loan from a 30 yr mortgage to a 35 yr loan. The interest rate is 9.63 %. I am being ripped off and taken advantage by both companies. 

XXXX XXXX XXXX ( XXXX ) XXXX email : XXXX XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (CO)

XXXX XXXX I did not like there service..I live in the XXXX of Colorado often lost service and could not get the kind of programming I wanted without a heavy increase of fees. Also the rate kept changing and increasing on a monthly basis. So I cancelled they refuse my cancellation for a period of 60 days and charged me extra fees of service after I requested cancellation. I also returned there equipment and suffered a 6 month denial that I returned the equipment and they showed inaccurate account amount on my credit profile for at least a year. AFNI is there collection service currently reporting for XXXX XXXX. They started with an account for almost a year at {$800.00} then eventually after disputing this several times lowered it to {$300.00}. So nothing is accurate and nothing is consistent for they state the account was opened in XX/XX/XXXX but the account was open in XX/XX/XXXX. They have moved the open date a few times.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

some time on or about XX/XX/2019 XXXX XXXX XXXX gave a credit line XXXX and two it went up to XXXX, after get a bill for XXXX I agree to settle this account for XXXX XXXX XXXX XXXX accept the deal. and sold the account to company that i never did any business with. I send then XXXX.in XX/XX/XXXX XXXX with a Bal XXXX. a company call resurgent out XXXX SC send me an offer to resolve your account in one payment of XXXX XXXX.But I has already send XXXX but went I seen my XXXX credit report stated that this account is in collection by LVNV Funding for XXXX and put it on my credit report. that was not the deal. so I stop! there is a check on my desk now. ready to pay this XXXX XXXX, today but i want LVNV funding to remove this from my credit file. because i has I never sign my document with this company. i do not no any thing about them, I made the deal with XXXX XXXX XXXX  and not LVNV funding who purchase that debt. That XXXX XXXX XXXX have agree to accept.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Actually both XXXX and XXXX has removed them from their database due to several inaccuracies with this account, and yet I'm still waiting for XXXX to remove it. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

Chrysler Capital/Santander locked me into a predatory loan. The dealer falsified my income and approved me for a payment I could not afford. I have had to use deferrals to delay payments when I fell on hard times. Unfortunately, Chrysler Capital still reported my payments as late to the credit bureaus. Their questionable lending and payment and reporting practices have lowered my credit score and are hindering my ability to buy my family a home. The recent lawsuit against Santander, including in my state of Illinois, for these very same practices only covers those who went into default or repo. I, however, will be looking into remedy for those of us who struggled to pay but did. I will also continue to fight Chrysler Capital on the reporting of late payments when I expressed to them a hardship, especially in XXXX in XXXX when I called about COVID relief, but also in XXXX when I asked about a deferral and other options. If Chrysler Capital does not remove these late payments, I will proceed with the next best options. It is time they are no longer allowed to contribute to the generational wealth gap and systemic inequities.
Consumer complaint received 2022-09-12
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. (NY)

This is my NUMEROUS request 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Consumer complaint received 2020-03-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation (CA)

I have tried for the past six months with the company RELIANT FINL XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX to fix this issue that I already paid this account off I have sent them paperwork multi times I want this fix plz
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (CA)

It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. My personal information has appeared in data leaks through XXXX and XXXX, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX {$79.00} XXXX XXXX  XXXX {$110.00} US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2018-06-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

I am contacting you in regards to a vehicle loan I had with XXXX XXXX up until the beginning of 2017. I have tried for well over a year to have XXXX XXXX  explain to me why I owe them any money to no avail. 

Back in 2017 my vehicle was stolen. I reported the theft to the police and within days the police found the vehicle. I also reported the theft to my insurance. After it was found, my vehicle was impounded for evidence by the police and held at a towing facility. During this time, I was in constant communication with the police, the insurance company, and the finance company. Short of the fact that the police department was not releasing my vehicle, everything seemed like it was going good. The insurance company said they would check the vehicle out to see if they were just going to total it or pay for the repairs and give it back to me. It wasn't until several months later when the insurance still was unable to view the vehicle even though they had been asking to for months did I get seriously concerned. It turns out my concerns were warranted. 

Not only did the insurance never got the permission to inspect the vehicle, but the vehicle was somehow given back to XXXX XXXX and XXXX sold it at auction! 
I tried to figure out what was going on since I was up to date on my payments but I never got anywhere with the police or XXXX. They simply placed a charge-off on my credit report after the vehicle was auctioned. I then decided to talk to a professional about this. I hired a company called XXXX XXXX XXXX to help me with this situation. They also worked on it for months. XXXX XXXX XXXX gave me a very detailed description of their investigation which I will forward to you. Honestly, that letter describes my complaint very well and details exactly what happened to me and how I've been taken advantage of by XXXX XXXX. I'm at the point where either this complaint will get XXXX to realize they are breaking the law and to stop trying to collect a debt I should not owe or I will have to sue them.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX {$79.00} XXXX XXXX  XXXX {$110.00} US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-07-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-06-21
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. (GA)

XXXX XXXX in reporting an account that I have disputed for years. I have contacted the original company and secured documentation that the account is a workman comp account that workman 's comp insurance was responsible to pay and has.

I called XXXX XXXX ( collection agency ) and they confirmed and advised that they would request deletion. That was in XX/XX/2017. In XXXX, I asked for confirmation of the request or at least acknowledgement of the intent and reason, but they refused. That is against company policy according to customer service on more than one occasion. My goal was to secure documentation from them to provide to the credit reporting agency, In the meantime, I disputed this account more than six times and every time XXXX XXXX XXXX verifies the account as accurate. They continue to do so. 


I reported them to your agency and you believed that they were doing everything they could. you closed my complaint against the so now I'm requesting assistance with the credit reporting agency. They continue to report the account even after I provided documentation from the original company supporting my request to have item removed. 

XXXXXXXX XXXX XXXX to verify as accurate and Equifax refuses to remove it from my credit report.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

Start back in XXXX of 2019. I written Four letters to send out to sprint to verify the debt. The 30th day from the last letter that was sent another letters gets sent out. XXXX sent letters stating the debt was intact mines but never sent proof far as the original documentation. This debt was in the amount of XXXX dollars.this debt remains in my credit report and XXXX still has not removed it.
Consumer complaint received 2020-04-21
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. (PA)

CHECK FOR XXXX 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I pulled my credit report and i found outdated and incorrect information. I am attaching a letter for my profile to be updated correctly. My family has a lot of like information and I am concerned thst my credit report is being merged with someone else 's.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have filed dispute letters with transunion and XXXX  back in XX/XX/2020 and yet to received anything on my disputes. I understand covid is going on but that shouldnt stop my results from coming to me.