davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (NC)

Equifax is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my Equifax credit report is preventing me from doing that. Equifax is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. 
The alleged account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ). 

There is no proof and/or documentation this alleged debt belongs to me. I even sent written communication directly to the debt collector and they were unable to provide me any validation of this debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is Equifax able to verify this debt? I sent written communication to attempt to resolve this issue with Equifax but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to Equifax to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. Im invoking my specified remedy as a consumer. I demand this account is immediately deleted. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - proof of written communication to Equifax.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I lost my job due to covid and elected to enter into Morgage deferred payments for a year now. Im trying to get help with a loan modification but my loan officer will only offer more differ option. We want to pay and need help but are not getting contacted back or given options. Furthermore I think our loan officer is based in XXXX and has no financial background to help.
Consumer complaint received 2019-11-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc. (FL)

I do not have a signed contract nor any contract with SANTANDER CONSUMER USA. I have never done business with this company. I am not liable for collection from this debt from SANTANDER CONSUMER USA. I am not responsible for this debt with SANTANDER CONSUMER USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

We were billed {$25.00} because TD Bank stated our checking account balance fell below the required $ 2.5k minimum. When we opened the account, we were advised that it was the balance of all of our accounts, not just checking which is why we agreed to that account type. There are other options we would have chosen had they made that clear. In fact we were steered away from their relationship checking because it had a higher combined minimum balance even though the total of all of our accounts exceeded the minimum. If the terms of my account have changed since we opened a several months ago, I do n't recall notification of it.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC (NJ)

I am on forbearance with Village Capital until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted Village Capital and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.
Consumer complaint received 2024-02-01
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. (MO)

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I first became aware of unauthorized inquiries on my credit report during a routine check. 

I submitted multiple dispute letters providing all necessary documentation to prove that I did not authorize these inquiries. 

Despite my repeated attempts, the unauthorized inquiries remain on my credit report. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved withinthe exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assistance to remove these fraudulent inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX  XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (PA)

Cancelled flight with XXXX XXXX in XX/XX/2020 due to Covid. It was on Barclay Credit Master Card through XXXX XXXX. Took 3 months to settle with XXXX. Credit card was cancelled by us and a refund for flight was issued from the Credit card company ( Barclay Master Card ). Started receiving bills from Barclay in XX/XX/2020. The latest bill we received in XX/XX/2020 is now charging us late fees. I have written three times to both XXXX and Barclay and have sent all documents to each one explaining the situation. I am now getting calls from Barclay on a daily basis from their collection department. This credit card was closed in XXXX. I sent Barclay a copy of the check THEY REFUNDED me in XXXX. I can not get this resolved by anyone.
Consumer complaint received 2021-09-12
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. (GA)

I have tried to get equifax to update the balances on my accounts. I have paid everything off and they continue to show a balance on several accounts. They are at least a month behind in correcting this information. If I was a month behind on a bill, they would destroy my credit. If they are a month behind in reporting, they destroy my credit. They can do anything they want and claim that the companies arent reporting to them. They are offering this service and they are past due on their performance. I think I should be able to send them a late fee. This is ridiculous and it should not be permitted. We need more regulation of these sloppy, poorly run, inefficient, untrustworthy companies.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IL)

JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Commonwealth Financial Systems, Inc at XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$90.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. This debt collector is violating a number of my federally protect consumer rights according to the FDCPA. I have included several violations that you, Commonwealth Financial Systems , Inc, owe me in my Bill of Particulars.
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (FL)

Ive reached out to all three credit bureaus Experian XXXX  and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (AL)

FRAUDULENT CHARGES. I DO NOT OWE XXXX AND THEY ARE REPORTING NEGATIVELY ON MY CREDIT FOR {$370.00} FOR A ACCOUNT. I PAID OFF MY PHONE DEVICES FROM THEM AND SWITCHED COMPANIES SO I SHOULD NOT EVEN OWE THEM. I CALLED THE COMPANY I CALLED THE COMPANY THEY SOLD THE DEBT TOO AS WELL. THEY BOTH SAID I COULD SETTLE THE DEBT FOR {$200.00} AND THEY WOULD UPDATE THE ACCOUNT ON MY CREDIT IS AS SETTLED AND PAID IN FULL. BUT NO I DO NOT OWE THEM THIS IS STOPPING MY HOME LOAN FROM BEING APPROVED SO THEM PUTTING SETTLED DOES NOT HELP MY REPORT IT WILL STILL SHOWS AS ONCE NEGATIVE ACCOUNT. NO GOOD WHEN IT IS NOT MY ACCOUNT ONE REPRESENTATIVE SAID I COULD PAY AND THEY WILL REMOVE IT SO I AM TIRED AT THIS POINT NOW THEY DONT AGREE TO REMOVE IT
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (CA)

I have tried unsuccessfully to reason and explain to TOTAL Visa that they have made a mistake with their reporting of 30 days late on my account and have gotten nowhere. I have sent in proof that my payment was made on time by sending them information via email and fax and also through the CFPB and they have refused to acknowledge their error. They have received a screenshot of when I submitted payment, bank statements proving their claim of that bank account being closed or not found as being wrong and bank statements showing Ive used that account with them in the past. I will now be sending in proof that my Credit Union never received request for payment as I also had to file a complaint with the NCUA about this matter.
Consumer complaint received 2021-09-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IL)

i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed
Consumer complaint received 2020-11-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IN)

There is an ambulance bill on my credit. I've tried to dispute this many times and they won't take it off. I have contacted XXXX and my account was active and a letter is on its way to me in the mail proving my account was active and they should of covered it.
Consumer complaint received 2021-04-02
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. (CO)

Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.
Consumer complaint received 2019-08-09
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The payment that appears to be missed on XXXX of 2020 is inaccurate and was already forgiven by XXXX XXXX and updated/removed by XXXX  and XXXX  I beg that you update it being that I have good track record. The payment has already been forgiven and is also affecting my ability to obtain more credit and is hurting my financial reputation.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IL)

Hello, I was recently checking my credit report via a credit card application on my phone. I had noticed a discrepancy a new negative account was opened so I decided to check it out and it said that there was a charge-off / collection flagged on my account for XXXX and now apparently XXXX. The issuer of this flag is State Collections. I noticed that the original alleged the owner was XXXX  XXXX XXXX XXXX. I have since used this very same consumerfinance.gov website to make a complaint about them as well. I tried to verify the debt and it is not matching up with what is listed on my report and what XXXX  XXXX XXXX XXXX  specifically XXXX  XXXX XXXX XXXX in XXXX Illinois stated. They stated that they sold the debt to a collection company ( State Collections ). I have received quite literally nothing whatsoever indicating that I had any debt and this hospital has my current information so I do not understand. The hospital in question had stated that there was allegedly {$150.00} in delinquent co-pays. I tried to work with them to investigate the debt but XXXX  XXXX XXXX XXXX part of XXXX XXXX XXXX XXXX, did not seem interested. On my credit report the alleged debt that they purported to have sold to State Collections is listed as {$90.00}. Not {$150.00} I am wondering if this company now is holding something back and if I dispute this that they will place another flag on my credit. I truly believe this to be a huge misunderstanding as I have not been late on a single debt in my life. Although with all the aforementioned information provided, I did make another CFPB report for XXXX  XXXX XXXX XXXX, and I am to make another about this company State Collection as I believe this listing is invalid and even if it were the alleged amount, the amount is incorrect and they may further damage my credit. I have likewise received absolutely no correspondence, alerts, mail or phone calls from anybody at State Collections about owing this and I am extremely upset about this entire ordeal. I have worked hard to maintain a great credit score and to get it damaged for something that I wasn't aware of or is happening by mistake is horrifying Perhaps there is an accounting error, perhaps sent to wrong address, or perhaps a bad SS number.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

paypal is advertising their fundraiser option, so I was thinking its a good idea to start a fundraiser in order to collect donations towards my art gallery project.

my fundraiser was approved by paypal, after receiving donations I got a weird email saying that the transactions are high risk and that I will get my money paid in 180 days. however I am still not able to access the funds and I believe paypal is a scam. my paypal balance is {$2400.00} and I can not withdraw the donations. please help me. thank you