davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have  contacted the XXXX Police and the FTC and filed complaints.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

To Whom it may concern, I have requested validation of account with XXXX XXXX XXXX for a account that they claim belong to me for the amount {$690.00}. I only have partial account number # XXXX. To this day they have not been able to prove. That account is not mind. They keep saying is validate. How can they do that? According to the FAIR DEBT COLLECTION PRATICES ACT it gives me the right to request validation of debt. They keep reporting to XXXX, XXXX  and XXXX .I have attach a letter than I have send to them.
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC (FL)

I set up a verbal arrangement XXXX a month. At the end of each month. I call XXXX XXXX to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. Pendrick Capital Partners XXXX XXXX XXXX has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

A Franchise tax board lien was filed for the tax year XX/XX/XXXX in error against me when: 1. I actually had nothing owed to the state for that tax year.  2. My requirements to file were null since I moved out of the state of California in XX/XX/XXXX.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

I lost my job because of COVID-19 the whole time the mortgage company said they would work with me every three months I had to get an extension they told me the same thing that they would work with me so when I went to start my first payment they said I was not eligible for any of their programs that I would have to come up with {$13000.00} by next month I ended up losing my job again now I have no income but in the last 2 1/2 months I was able to give them {$6500.00} and I guess that still wasnt good enoughSo now I have no income coming in so theyll probably go ahead and Start foreclosureI told them Theres about COVID I guess I dont care
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

American Express promised expedited delivery of my XXXX XXXX XXXX Credit Card. However, after numerous times of calling them, the delivery of the credit card is still on the same day they gave me during my application. Also, it was mentioned that American Express issue instant card numbers once you get approved for a credit card. However, this didn't happen in my case.
Consumer complaint received 2020-09-23
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. (MS)

On XXXX XXXX I submitted a complaint about Experian reporting fraud accounts after I provided information that the accounts listed for XXXX 's account XXXX {$190.00} & XXXX XXXX account XXXX are fraud accounts that have been opened in my name. I did not open these and requesting again that these accounts be deleted from my report.
Consumer complaint received 2021-06-07
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. (FL)

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's Experian, XXXX, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX   XXXX  and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (TX)

3rd request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XXXX I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Required identity documentation attached. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC (FL)

I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

Made purchase at XXXX 
Parts never arrived, XXXX claims parts left on doorstep around middle XX/XX/XXXX. 
XXXX has horrible customer service, problem resolution ... So I filed fraud claim with bank.. Bank cancelled my card and gave me another card to follow the fraud procedure. 

However, my bank has sided with XXXX and I still have not recieved the merchandise. This claim is against my bank for failing to support me in a bad fraudulent deceptive practices with XXXX..
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

I tried to make a purchase on my Chase Sapphire Reserve Credit Cards and was declined on XX/XX/2018. I logged into my account and discovered that every credit card account has been closed. Even my small business credit card account was closed. 

I called them yesterday and spoke to an analyst XXXX to get a reinstatement review on my account and to escalate to a supervisor. I received a call from the supervisor this morning stating that I was considered a risk and they are terminating their relationship. Despite the fact that I've been banking with Chase since college and have used Chased products for nearly a decade. 

I pay all my bills on time, do not run any debt balances at the end of the month, and do not do anything " wrong ''. I may have several credit cards and inquiries, but I'm just a guy who likes to get reward points to take trips, is that so wrong?
Consumer complaint received 2021-06-07
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)

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, Equifax, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Herbert P. Sears Co., Inc. (UT)

On XX/XX/XXXX I received a phone call from a debt collector i believe to be H P Sears CO INC or XXXX XXXX XXXX, they did not tell me their name just demanding the last 4 of my social security number. I told them anything they have for me needs to be delivered in writing and told them to not call me and only send me my debt in writing. They called me back again today XX/XX/XXXX and demanded my information again, I told her to send me my debt in writing and that i told them on XX/XX/XXXX that I am not to be called so she shouldn't be calling me. She told me that they had, and she was calling me to follow up. I told her that I specifically told her company to never call me. She hung up on me without assuring me they wouldn't call, so I had to call back again to speak with another young lady and tell her to stop calling me and deliver what I need in writing.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I AM LIVID!!!! This is my 4th attempt to correct my consumer report!!! 

These accounts need to be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These Addresses need to be removed : XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX I do not recognize these hard inquiries and they need to be removed also : XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (FL)

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX  AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Consumer complaint received 2020-10-19
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: SYNCHRONY FINANCIAL (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( XXXX ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the XXXX credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2023-04-06
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$13000.00}.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my other 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 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 XXXX XXXX, XXXX XXXX, XXXX, I XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TN)

Attempts to collect a debt not owed Written notification about a debt The company took or threatened to take negative or legal action The company filed incorrect information on the consumers credit report Regarding a fraud on my credit score for a debt collection and them harassing me requiring I go to court to pay them. Then a year later receiving the same bill from a different collection agency for the same XXXX card. After this had been taken to court. They said this is impossible. 
This would had to have been a fruad to keep re occurring on my report after they already sent legal into court, referring to the collection agency that harassed me for a year. While I was in the hospital. Sick for over a year. 

Is this even legal? They have really harassed me and my legal privacy. 

The collection agency that did this to me. Sending me to court. Didnt even have the right to do it. I called and she acted very suspicious on the phone stating its impossible that another collection agency reported on my credit report. 

There number is XXXX XXXX XXXX XXXX XXXX His name is XXXX XXXX. 
This is continued please read all.