davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (WA)

In regards to the Equifax data breach XXXX/XXXX/XXXX my personal information has been compromised including personal identifiable informant such as SS # and date of birth This places me at great financial risk going forward from this date XXXX/XXXX/XXXX
Consumer complaint received 2021-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Hello I am writing this complaint because I Have reached out to ACCOUNT RESOLUTION SERVICES with a Debit Validation Letter on XX/XX/2020 asking for What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
the letter was Delivered : Wed, XX/XX/XXXX, XXXX XXXX. 
the sent me a letter in Letter some time in the beginning of XXXX with a bill attach witch is not wat i asked for so i sent them a Failure to Validate letter asking them to provide me with This letter will AGAIN request that you follow the FDCPA and please provide -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expect to receive the proof requested above within 15 days of this letter. it has now been well over 15 days and still this company has not taken this debit off my credit. 

attached will be sample copies of what I sent them to comply!
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I am XXXX years old I do not have legal right to sign a contract. I have never used my social security until now where I have asked for my credit file. I called the credit bureau to obtain a copy of my credit and a collection agency named AFNI has negative information being reported to my credit. I'm not sure how credit works. But up until 15 days ago I didn't even know my social security number.
Consumer complaint received 2017-09-11
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. (NJ)

There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.
Consumer complaint received 2021-09-06
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: Santander Consumer USA Holdings Inc. (PA)

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!! 
I would like them to take this off my credit report and do not try to put it back on my credit report.
Consumer complaint received 2017-09-11
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. (OH)

On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I  disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

My original loan was with Springleaf Financial,  which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan  balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (AZ)

XXXX mishandled my information which has led to an informational breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2022-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have reported the information to Equifax and XXXX they are both reporting inaccurate information.I am entitled to fair and 100 % accurate reporting. XXXX is reporting this was included in a bankruptcy snd Equifax is reporting charged off with last activity date of XX/XX/XXXX. I have requested an investigation of this reporting as well as method of validation. This information was submitted on XX/XX/XXXX as of today XX/XX/XXXX I have not received any update or response from these companies. XXXX was not able to verify this Information and has since deleted it from my credit report but the other companies have not. I have called as well as submitted a letter regarding this and have not received any response.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (AL)

XXXX Disputed with XXXX XXXX, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX  and XXXX have investigated and removed collections
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I requested a credit report from Equifax and received the report which is XXXX. In reviewing the report, I noticed that there were comments ( 1 ) as follows : XX/XX/XXXX - Foreclosure process started XX/XX/XXXX- Paying under partial payment agreement XX/XX/XXXX - Paying under partial payment agreement I have never been involved in any foreclosure with the properties that I own, so I do n't know where this is being reported from. Since there was no information on the report to indicate where this was coming from, I contacted Equifax and they told me to contact XXXX which supplies the information. Neither company could provide any information as to where this was from, so they advised that I file a complaint with the CFPB. 

My intent is to get this removed from my credit report. Please advise.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

My most recent credit report shows that Hyundai Motor Finance ( HMF ) reported me as delinquent on an account that, according to the records I see on HMF 's website, was paid in full on X/XX/17, and is currently owned XXXX balance. I traded in my leased vehicle for a new leased vehicle 1 month before my lease was up. The remainder of my lease payments were rolled into the balance for the new vehicle and the remainder on the old lease was paid on X/XX/17. 

I have yet to contact HMF regarding this, as it is Saturday, and their customer service line and lease end support lines are closed until Monday. HMF reported my account to the credit bureau with no prior contact to me, written or otherwise, as to the delinquent status of my account.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently checked my credit report and noticed that there is an alleged XXXX day late payment being reported in XX/XX/2021. I couldn't believe it when i saw it. I have no idea how this could have happened. I always pay my account on time or early. I did not receive a statement like i normally do letting me know to make my payment.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I had a balance owed to Midland credit management llc on XX/XX/XXXX around the amount of {$1200.00}. I had paid down the debt to {$660.00} by XX/XX/XXXX which was reported on time by midland credit management on time. A conversation I had with a manager that urged me to want to pay the account off as soon as possible because he was threatening to sell my account elsewhere. By XX/XX/XXXX I had paid down the debt to {$0.00}. This action has yet to be updated and yet to be reported to the three major credit bureaus by midland credit management. XX/XX/XXXX I reached out to the company to resolve the issue and to see if they can update my paid off status to the credit bureaus. They declined saying that I had to lift my dispute first in order for them to help me. I feel that I do not need to list my dispute that is based on the truth in order to resolve this issue. They went on to even report an accurate information to the credit bureaus even after the dispute was made. Further destroying my credit. They have on my credit report that {$660.00} was the original account balance and that is not true. I paid the balance down from {$1200.00}. They are also saying that I owe {$660.00} as of today that is not true. They sent out a email XX/XX/XXXX saying that I owe {$660.00} and that it will be automatically taken from my account. I do not owe {$660.00}. I owe {$0.00}.
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Back in XXXX, I let Capital One know that i had been admitted into XXXX XXXX XXXX for emergency XXXX. I had been trying to work with them on my payments as i had been out of work while in the hospital. While i was there, I spoke with a represenative and advised that i was sending my sister to pay the outstanding balance on my account that day i believe XXXX/XXXX/XXXX. I was told at that time that as long as the payment was made that day i would be fine. That same morning, my roomate called me to inform me someone had come by and picked the car up. When i called Capital one, there phone system kept redirecting me to an alternate line which would immediately disconnect. this went on for a week. Further, once i received info on my car 's whereabouts, i was told multiple times that my car had not been repossessed. after about two weeks time, i finally got the information i needed. I feel extremely misled and wrongfully treated especially since i was in the hospital for emergency XXXX. I have always stayed in communication with Capital One and paid on my accounts with them.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MD)

Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!
Consumer complaint received 2017-09-09
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. (AK)

Equifax divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.
Consumer complaint received 2017-09-09
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. (NJ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-09-08
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: AES/PHEAA (MO)

I have written AESXXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and XXXX as well as AESXXXX that there are two different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! AES and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I have included a police report to the credit bureau Experian and that are continuously reporting 2 accounts that are results of identity theft. One is portfolio recovery. Original creditor is XXXX XXXX  XXXX XXXX, another is XXXX XXXX and lastly XXXX. XXXX ( XXXX creditor is XXXX XXXX XXXX ). I spoke to an agent at experian and looked into the consumer rights and laws of the FCRA and found that these items should be removed because experian has NEVER provided me with hard proof of how theyre determining that these are my accounts. Ive already submitted a police report to prove that Ive been a victim of identity theft.
Consumer complaint received 2017-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX does not respond to request to validate bill on behalf of XXXX. I read on Internet the  company was closed.
Consumer complaint received 2021-09-06
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. (MN)

My name is XXXX XXXX and I was a victim of identity theft and since XXXX someone has been using my social security number to open up accounts I told Experian, XXXX  and XXXX  about this but they still choose to report false accounts my credit file Experian is the Ring leader of bad information XXXX XXXX XXXX was open by someone else XXXX  my account and it has been closed with I only used the XXXX  XXXX for direct deposit that's it and that's all XXXX  was not my bank just a direct deposit services XXXX  has my birthday wrong ... And when I was sick with XXXX XXXX XXXX was when XXXX closed my direct deposit account my information on these credit platforms are totally false and they refuse to take the bogus info off my file I'm XXXX  XXXX survivor and Experian and XXXX XXXX false report
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (CA)

This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

I downloaded an XXXX app called XXXX and my Chase bank is supposed to send the information that the apps company needs ASAP. However the bank is slacking which I know is considered misbehaving..