davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 SEC 602 States, " I have the right to privacy '' 15 USC 1681 SEC 604a SEC 2. it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as LATE for ANY PURPOSE.
Consumer complaint received 2023-02-22
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: Resurgent Capital Services L.P. (NJ)

Two debt buyers are reporting debts they bought. I never had credit with this company, and they do not reflect any positive history I had with the original creditors! The history, the good payments, gone, and right to charge off, reflecting that I never paid anything! This is FALSE AND MISLEADING! Its unjust! They placed this on my credit for one reason only, to get me to pay. I have no credit with either of them and want them removed immediately. The credit report was not designed to be used as a weapon, but that's exactly what these debt buyers are using it for.
Consumer complaint received 2022-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-04-04
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: I.C. System, Inc. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I called Equifax at XXXX at XXXXXXXX XXXX Central Time to request that they unfreeze my account so that XXXX XXXX   could check my credit score. After I gave my personal information I was asked about 10 verification questions, such as outstanding loans, etc. After answering the questions, I was told that I failed, but that they couldn't tell me why. The person asking the questions told me that I could fax them a copy of my driver 's license and social security card and they would mail me something that would allow me to unfreeze my account. I am applying for a home loan and I can't wait days for a response from Equifax. Equifax 's data security breach in XXXX was the reason that I placed the freeze in the first place, now I have been placed in this catch 22 because of Equifax 's incompetence.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Verisk Analytics Inc (CA)

XXXX XXXX has incorrect information about my former property. It has a list of numerous loss claims that supposedly occurred while I lived there XX/XX/XXXX to XX/XX/XXXX. The new owner can not get insurance through XXXX and is threatening to sue me because I allegedly did not report all the known damage. There were no claims submitted while I loved there. I called XXXX XXXX and they were unable or unwilling to help.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) XXXX XXXX XXXX from Mercedes-Benz ( MB ) : 1 ) MB attempted to charge {$600.00} maintanance fees during lease at service.

REFUSED to pay.

2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX XXXX cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised MB Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from MB statment, owed for 2 tires and end of lease cost, total $ XXXX. 
5 ) Phone call to MB SF Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with SF Mgr who sent another statement 2 tires removed MB Financial added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay.

6 ) MB Financial XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days.

7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from MB Manager not received.
Consumer complaint received 2023-04-01
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 accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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 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 an account without my written instuctions.

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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-01
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. (AZ)

NOTICE AND DEMAND Equafax is reporting erroneous information. The information that has been reported is for a commercial loan and should not be in my personal Equafax is the only agency reporting the erroneous information. Equafax needs to remove it and delete it immediately there is liability that could be repairable.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I am XXXX XXXX. I am requesting a description of the procedure used to verify the name and address of the original creditor attested by a sworn statement by a CEO and/or Vice President of SYNCHRONY under the penalty of perjury. 

You, CEO and/or VP, have 30 days from receipt of this letter to provide this sworn statement.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a single team subscription from XXXX to watch the XXXX XXXX XXXX in the amount of {$110.00}. 

At the outset of the pandemic, the XXXX CANCELED the XXXX XXXX XXXX season making it IMPOSSIBLE to watch them on XXXX or anywhere else. 

Since it was IMPOSSIBLE to reach the XXXX I disputed the charge with Capital One MasterCard. I was told that under the terms of their MasterCard Purchase Protection Policy they would credit {$110.00} to my account and mail paperwork to me that was to be completed and returned no later than XX/XX/20. 

I received the paperwork from Capital One on XX/XX/20. I completed it, made a copy and mailed it the very same day. Then, on XX/XX/20 I discovered that Capital One violated its own MasterCard Purchase Protection Policy and WRONGFULLY charged {$110.00} back to my credit card. 

I immediately called Capital One to be told that they never processed the completed paperwork that I mailed to them on XX/XX/20. Capital Ones phone rep stated that if I E-mailed copies of all of the documentation that I PREVIOUSLY sent to them that she would PROPERLY CREDIT the missing {$110.00} back to my account. 

She NEVER did what she said that she would do. Its not been two weeks since I was promised a PROPER {$110.00} CREDIT back to my supposedly protected account. I called the Capital One Dispute Line back today. Ive been on the phone for nearly a half hour with a phone rep who said she could fix the problem. When she failed to fix it, she FINALLY transferred me to a supervisor, AS I ORIGINALLY ASKED HER TO. 

Ive been on hold close to ANOTHER HALF HOUR AND NO SUPERVISOR HAS PICKED UP THE LINE AS OF YET!
Consumer complaint received 2022-09-15
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)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 2020-07-22
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. (NE)

The credit bureau is reporting a chapter XXXX bankruptcy on my credit report. This is not my account and needs to be removed immediately. XXXX credit bureau has already removed this public record from my credit report.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (SC)

I had a credit card with Walmart and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I have attempted to resolve this matter with this company since 2015 and have not been able to do so. This company is still reporting debt under my name for something I am not responsible for. I have attached a copy of the contract they sent as " proof '' of debt along with a letter I sent to XXXXn for their review of this item. This fraudulent contract does not contain my signature, therefore making it invalid and proving that this company is trying to collect a completely fraudulent debt. Please make this company delete this item from my credit history once and for all. Thank you.
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (TX)

I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.
Consumer complaint received 2021-09-14
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. (TX)

Experian continues to report data that is beyond the statute reporting period they are illegally re aging the date on the account to maintain it longer. I have evidence reflecting this on older reports but unable to upload to their site. 

XXXX XXXX  should have been removed back in XX/XX/2021 was updated to reflect removal status of XX/XX/2021 and now that notation has now been removed off the account description. 

Needs to be removed now.
Consumer complaint received 2023-04-01
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-01
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)

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 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 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 2019-10-23
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. (UT)

Experian continues to be a nightmare for me. I have been denied a home loan because Experian has erroneous collections on my report. This was removed as erroneous from company. Experian still has it listed
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (KY)

flagstar bank texas, ive never missed or been late i which for you to pull my records of bank account and see for your self, this bank rouned my credit before they started doing this issues to me and only reason know this is on 2x time they double billed me i went to my bank to refinance and they told me my new credit and who did it to me, they double charge me and keep back payment to make out to be late till next mounth that i send in and then they'll cash in 2 payments ( this is their resent thing they started doing ) sometimes ill get a bill for less than {$50.00} then after sending my normal payment in will go back to their over billing deal, they got my credit bad enough now the my truck payment thinks they should be paid on XXXX of month and start harssing me much sooner, i still have several bills they sent me
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (IL)

Received multiple calls and letters from Phoenix Financial Services naming the creditor as XXXX XXXX XXXX XXXX. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by Phx Fin Srv once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX pm cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.
Consumer complaint received 2018-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Multiple times putting me in forbearance without permission. I have to call and keep asking them not to. This has happened at least 3 times. Advertised and told me to go into the Repaye program without explaining the major interest on the back end. Delayed my entrance into program by getting 3 different answers about what they needed. Put me in forbearance again. Got out of income based repayment plan when saw interest amount and decided to pay off. Paid extra to apply toward principal. Applied it toward interest. Now they put me in forbearance again. I am on tape requesting I record the phone calls so I can prove Navient that every time I call someone gives me a different answers with an apology saying Im so sorry so and so told you that. That isnt the case. Ive explicitly told them do not put me back in forbearance and they keep doing it. I asked for a different borrower and they told me I have to find one on my own. I want to pay off my loans but I am scared they will not apply my money correctly. Please help. Just get me out of Navient.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX Balance : {$36000.00}