davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (ID)

On or about XX/XX/2017, I contacted XXXX XXXX about switching from XXXX to XXXX XXXX after paying and {$80.00} dollar fee I decided to stay with XXXX I contacted XXXX  XXXX and advised them that I was not going to use there service shortly there after i received a ststment for {$160.00} dollars i contacted them again and was asdised i owed the {$160.00} and i told them I never went in to XXXX to start service and was advised to send back Sim card which I did i requested a return of my {$80.00} dollars and was assured i would receive same several months later i received a letter from AmSher collection services , INC that my account number XXXX with XXXX went to collections i contacted AmSher and was sent documents via XXXX which i filled out and sent bact to XXXX several weeks I received a letter from XXXX that I didn't owe any money to date i hav n't received my {$80.00} dollar deposit and are continued to be contacted by XXXX for payment although I contacted XXXX with no result. also XXXX sent to credit reporting companies that i owe this debit which is affecting my credit score
Consumer complaint received 2023-04-10
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. (GA)

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2018-02-11
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)

I just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.
Consumer complaint received 2021-08-19
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. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1666 the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-05-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i sent transunion consumer solutions 29 pages explaining how XXXX XXXX XXXX XXXX refuse to remove the negative information/ inaccurate information i have been told week after week that they did not receive my information i paid for the letter to be sent and signed for on XX/XX/2021 but they continue to tell me that they have not recieved my information .i am sending u the information that i paid to have sent and to be signed for and the information from the postal service where i paid and the person that signed for my letter was the person that picks up transunion mail XXXX was also told by transunion that they dont care how much information i send that if XXXX XXXX XXXX XXXX dont remove the inaccurate information that they will not remove it so i am asking that cfpb please reopen my case aganist transunion and XXXX XXXX XXXX XXXX because both companies are lying and i have proof
Consumer complaint received 2021-06-08
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. (GA)

XXXX, TransUnion, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, TransUnion, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, TransUnion, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, TransUnion, and XXXX  any written instructions to report this account. XXXX, TransUnion, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, TransUnion, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are 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 consumer report. Otherwise anyone paying for XXXX, TransUnion, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, TransUnion, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FULTON FINANCIAL CORPORATION (PA)

Account was closed by me due to inaccurate fees charged to my account. 
Around 2008 they began to report inaccurate debt to credit bureau yet even after my desputes they continue to report the account. 
This account is well over 12 years old. 
How can they continue to publish this a derogatory account? 
Can you Please assist me with this? 
Thankyou
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This company called XXXX XXXX / resurgent has a account that they said is from XXXX XXXX with a balance of {$1000.00} and it is reported on my credit profile, I have reached out to this company three times and asked for the original agreement that I signed because that is the only acceptable proof of validation ... and they have not replied or complied and removed the derogatory information, now I need them to get rid of this unknown debt that they never even reached out to me and give me the 30 days to contest the debt, so please I need this information off my credit reports or send me the agreement I signed to enter into a payment agreement ....
Consumer complaint received 2023-04-10
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. (CA)

I have two accounts with XXXX XXXX XXXX XXXX showing on my credit report auto loan account # XXXX and unsecured loan # XXXX it has been over 7 years these accounts should be removed from my credit report. i have never been a member with this credit union and these loans are not minds.
Consumer complaint received 2022-01-12
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. (TX)

XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my XXXX, Experian, and XXXX Report. This account is paid and closed. Please update status on my credit report. Thanks
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX, and Equifax.
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

On XXXX XXXX a check amount of {$2200.00} was mailed out and to be applied for XXXX and XX/XX/2018 payment making me paid up for 2 payments in advance.Unfortunately, it wasnt applied to my account XXXX XXXX. Resulting me to be reported late with the credit bureaus profile as being 30 days late twice on XXXX and XX/XX/2018.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

I got approved for and received the Amazon reward visa signature card which is through chase bank. A family member who lives in another state received a letter on XX/XX/XXXX that I needed to fill out an attached social security form ( SSA-89 ) and a w-9 and then send these back or they would close my credit card. I couldn't fill these out because I live in Massachusetts and my family member lives in California. I then called chase bank asking if they could email the forms to me and they refused. I asked if they could mail the forms to my actual address and they refused also. They also refused to change my address to my actual address initially. This was especially confusing because they sent my credit card itself to the correct location, and I think they got the other incorrect address from Amazon or something. I later asked what if anything I could do to keep my credit card open and they said I needed to visit a local chase branch and fill out the paper work there. I talked to my local chase branch at XXXX XXXX XXXX, XXXX, MA XXXX and they told me there was nothing I could do because I didn't have my social security card on me. I don't have my social security card on me in general because I'm a student and it is at my home state and I would need to get a new one which would take more time than I had. I spoke to chase on the phone again for hours and they told me that there was nothing I could do and that I could not have an extension for time and that my credit card was being closed. They told me to reapply which I did and was rejected.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the Following items for XXXX {$610.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2021-06-08
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: BARCLAYS BANK DELAWARE (CA)

XX/XX/2021 received alert from barclays credit card for 2 transactions, {$670.00}. & {$790.00}. total is {$1400.00}. i disputed this and wasnt given the opportunity to participate in the investigation. i have asked multiple times for proof of the charge, how was the charge made, when, is there an invoice, transactions signed, we have been denied of this information, we filed claims with the credit bureaus and one of them have removed the charge. XXXX XXXX XXXX mistreated us as customers and has refused to provide us proof of the charge that we only have a contact number on the fraud charge, is not working number. we have no knowledge and can not get a hold of the fraud merchant as no XXXX info comes up, we have no information to fight the merchant as barclays investigated but refused to give us the documents thats says we did thus fraud charge, so how did XXXX  determined we are responsible if the merchant is non existence.
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2018-02-11
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: Navient Solutions, LLC. (TX)

IN REGARDS TO : NAVIENT, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR NAVIENT WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( NAVIENT ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT NAVIENT BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
Consumer complaint received 2021-02-02
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. (MI)

On XX/XX/2021 placed a call to Transunion to have 4 hard inquiries removed from my credit report due to fraud. Tried to place a freeze on my report a day before which was also a reason for the physical call. Customer service agent XXXX XXXX XXXX would not help and take care of the negative inquiries reporting to your credit report. I am requesting that the inquiries below be removed.
Consumer complaint received 2021-10-13
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. (NJ)

XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Consumer complaint received 2018-02-11
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: EQUIFAX, INC. (UT)

From the month of XX/XX/XXXX to XX/XX/XXXX, I was living in XXXX XXXX Texas for work questions. The company XXXX offered me an internet service without any contract, I paid in advance to consume one month. 
At no time, I signed any contract, never assumed any commitment to pay, and at no time the company XXXX contacted me to negotiate any debt I returned to Utah on XX/XX/XXXX, after spending a month I received a credit alert in my XXXX  account of which I am a member. When I review the company XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, I was taken to collection at the request of the company XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
File a Dispute in XXXX  XXXX and on XX/XX/XXXX received the response from XXXX XXXX 's report. 
The answer design ; " The Element was removed from your Credit report At this time the XXXX company took me back to collection using another company The company XXXX acts outside the law and does not respect the rights of consumers. 
The company XXXX uses the collection companies and the credit bureaus to violate the rights of consumers and affect their credit