davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian is reporting several inquiries that do not belong to me. 

Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Experian XXXX Experian
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Acct # XXXX XXXX owed Another address they have is Capital one XXXX XXXX XXXX XXXX VA XXXX This debt is not mine. See attached certified return receipt asking for a signed contract with my signature on it. No one has sent me anything after 15letters. 
Remove my credit or provide the sign contract.
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

I have reach out to the a preventive or executive regarding a collection accounts on XXXX that are not mine I have requested verification and validation debt about it have not hear or receive anything I have in addition send verification of my My identification and social security number to match what they have still to this date have not receive anything it 's been months
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACS Education Services (CA)

To be noted the issue has nothing to do with understanding lending practices therefore the reason the name of the university was not provided. 

XX/XX/XXXX I wrote to XXXX disputing the ACS account in my credit file. 

ACS did not respond within 30 days XXXX this was confirmed with XXXX on XX/XX/XXXX ) and their trade line was removed from my credit file. 

On XX/XX/XXXX I received a copy of my credit report without it being requested. I was received because 1. after 8 months ACS responded to the XXXX dispute and 2. as a result of my disputing the account via XXXX. 

To be noted : 1. ACS reported to XXXX the item was updated from our processing of your dispute in XX/XX/XXXX. I did not make a dispute with XXXX about ACS in XXXX XX/XX/XXXX, it was made inXX/XX/XXXX ( 8 months prior ). ; 2. ACS responded to the XX/XX/XXXX dispute 8 months later ( this was confirmed with XXXX at XXXX on XX/XX/XXXX ; 3. Prior to XXXX XXXX, ACS did not report to XXXX ; 4. There is no need for ACS to continue reporting, in XXXX I transferred the account to XXXX of which ACS continued to report after the account was transferred. 

I 've attached the XXXX XXXX XXXX, XXXX results summary supporting the trade line was deleted. I have my credit reports for XXXX and XXXX which also show the same and if needed I will scan them and provide.
Consumer complaint received 2022-03-10
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. (WI)

Here we go again with Equifax. They keep reinserting a tradeline that damaging my credit right before I going house shopping. They said I submitted a dispute on a tradeline ( XXXX XXXX XXXX ), so they reinserted this back on my report. How can you dispute something that was not on your report in the first place. I submitted disputes through CFPB previously that this tradeline was paid off. Dispute # XXXX and XXXX. It was found in my favor both times. Equifax deleted it off my report after the complaints, But Equifax continues to reinsert this tradeline with negative statements. Damaging my credit. Now I have to wait until this is resolved again. This tradeline paid. XXXX is Equifax XXXX with me for.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

After the Equifax breach, I decided to put a freeze on my credit with all three agencies. I was easily able to do so with XXXX and XXXX, but Equifax 's site kept crashing on me. I tried six times, but it would always freeze up and then tell me that it was unable to complete my request at this time and to try again later. So a few days ago I tried again, and apparently there is already a freeze on my account ( and believe me, I 've never even heard of putting a freeze on my account before this breach, so it could n't have been something I did previously )! But I have no PIN number because I was not the one who put the freeze on it! What am I supposed to do? I tried contacting Equifax to no avail, also sent a XXXX message. If an appropriate freeze was put on my account, they should have sent me a PIN number- so I do n't know if someone else already put the freeze on my account and has the PIN number! What do I do? I 'm really freaked out!
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (NJ)

We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
Consumer complaint received 2022-09-08
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: Bull City Financial Solutions, Inc (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-07
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION (NC)

This company is reporting an account to the  XXXX  credit bureaus  XXXX ,  XXXX , and   XXXX   for a balance that I paid completely off in  XXXX ,  2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (MO)

On XX/XX/XXXX I received a letter from First Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX. Ref # XXXX from XXXX  with acct # XXXX. They attempted to collect {$180.00} saying XXXX filed this. I contacted XXXX and talked to XXXX. This was for a house I sold XXXX  2021, XXXX  XXXX XXXX, XXXX, MO XXXX. XXXX said this debt was paid and they did not turn me over for collection.
Consumer complaint received 2024-03-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

National Credit Systems Inc alleges I owe a debt I do not. I have previously filed several complaints against them because of this debt. The information is incorrect and should have been deleted. Upon investigating this company it is not licensed in the state of Michigan to collect this debt and I am also currently in litigation with the company about this matter.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 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
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (AR)

On XX/XX/XXXX I sent a letter to Wakefield & Associates requesting information they reported on my credit report. It was for " Medical bill '', no company name, in the amount of {$62.00}. They received the certified letter on XX/XX/XXXX. 
They have not provided me proof of ownership of the debt and they have not removed it from my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NH)

Phoenix Financial XXXX called me Saturday night at XXXX about a debt that was already paid regarding XXXX XXXX XXXX XXXX. I informed them that I paid the remaining portion after insurance and they asked for a receipt. I told them I would send one to them. The next day I found this debt on my XXXX credit report. They reported it before even receiving my receipt.
Consumer complaint received 2023-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Figure Technologies, Inc (NJ)

I have been trying to determine whether or not there is a valid lien on my property. I do not believe the mortgage company followed the rules required to notarize the closing documents electronically. My loan is in my name, but wife does not recall signing anything, yet there is a lien filed under her name as well. I have been told I must issue a subpoena to obtain the information, but in order to do so, I would be required to file suit. I would not file suit unless it turned out there was no valid lien and the company refused to remove the public filing and lien.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

XXXX XXXX XXXXXXXX attempted to collect a debt that was fraudulent. I disputed this for several months in writing as well as over the phone to no avail. They then sent this debt to Credit Control Corporation which sent me 1 letter several months ago. The letter included instructions on how to dispute the account which I completed. A very lengthy and detailed letter was sent to them, again, to no avail. After I sent the letter, I didnt receive any form of communication with them for several months, leading me to believe this was resolved. Credit Control Corporation added the fraudulent collections account to my credit report. Ive disputed the account multiple times with no results. I still have yet to hear from Credit Control Corporation and its apparent that they dont care that the account is fraudulent. I did not receive treatment at this hospital. I have not been to the XXXX XXXX  XXXX XXXX in over 10 years.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2021-10-04
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)

I have been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!
Consumer complaint received 2017-09-27
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. (CA)

please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting thank you
Consumer complaint received 2017-09-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Management Partners LLC (SC)

On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for XXXX XXXX, she stated that XXXX XXXX has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from XXXX XXXX or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that XXXX XXXX did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law XXXX XXXX does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called XXXX XXXX head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.