davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (IN)

Ive been directly working on building my credit and have worked directly with XXXX XXXX to have every months debt paid prior to due date. Since XX/XX/XXXX, every single month Ive received notices that Im late on my payments. For the months of XXXX and XX/XX/XXXX I paid with XXXX in the amounts of XXXX each. Both were considered lost. It isnt easy to track these transactions. Repeatingly I call with the concern chasing my transactions down. They were able to locate the payments and apply them to my account. As a corrective action I started Bill Pay through my bank. My bank writes out a check ever month on the XXXX of every month to be sent out on the XXXX. This ensures 8 days for XXXX to receive the payment and apply it to my account. Since XXXX for every month I considered late for non payment. Then Im told I stand a chance of bad credit reporting by the automotive system. Then Im made to send proof to XXXX XXXX of my payments. All different forms of validation is used each month. I have clear record of check payments and of stubs to show proof of payments. After making these payments the last thing I need is to receive a text or email stating that I havent paid my bill. Then after ensuring my bank made a payment to call and be asked to take further steps to prove my payments. So for the months of XXXX and XXXX and XX/XX/XXXX I was forced to show proof of payments, also XXXX and now XX/XX/XXXX Im being told that those payment is not yet received. For every month this is a problem Im forced to have a brain vessel burst to prove what should be a very easy task. I have requested for two months now once in XX/XX/XXXX and in XX/XX/XXXX to have a copy of detailed payment history. I have not received a copy of payment history. In my opinion for a person that is trying to actually do the right thing, Im being heavily harassed. As this happened Im drawn away from work, my family and just a piece of mind. There has to be some sort of final fix to this issue. I was told I could set up automatic bill pay where I allow them to take amount due from my checking account. I dont feel comfortable with that form of payment. The bill pay option my bank offers is just as good. They get paid like clockwork.
Consumer complaint received 2022-11-18
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. (IN)

XXXXXXXX XXXX XXXX XXXX account number XXXX I have been disputing this account since XX/XX/2022, every month. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. 
According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of XXXX  -Balances XXXX  out every month -Audit trail
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 sever 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 2019-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC (IN)

I was told on XX/XX/2019 voicemail was left stating great I they are scheduled to deliver a summons and that if I dont respond that this will be a refusal. I ask fo a VOD they did not send me the info only a letter stating its in the office. Then stated I can not get the VOD until I sign documents.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (WA)

I received a notice from XXXX XXXX that I had been denied a credit card with SPCB/JCPenneys. I have never applied for a card with SYNCB/JCPenneys or any subsidiary. I tried contacting XXXX to dispute the charge and couldn't reach anyone. Tried calling the JCPenneys number which shows on my credit report and the person told me they would only help me if I gave them my social security number. I DEMAND that they remove this fraudent hard inquiry from my credit report immediately. This is the information I currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX SYNCB/JCP XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have made several attempts to address issues with Equifax but have not gotten anywhere near resolving my issues. I recently contacted them on XX/XX/21 and was waiting for about an hour to speak with a supervisor because the associate was not actively listening to my request and was also very combative with me about what I needed to be done. 

First I have never used a suffix with my name. I have never been known as a Jr. nor do I have any documentation that would indicate so as well as applied for any line of credit with Jr. I have disputed that directly but for whatever they refuse to remove the item and continue to try to verify me as such which is unacceptable. 

Second there is an account for US Dept of ED for a student loan which was in dispute and Ive never submitted a dispute regarding them. The most recent dispute shouldve been on the XXXX accounts so they incorrectly disputed the wrong account and also added comments that it was in dispute which I wanted them to be removed. There is two accounts for XXXX XXXX XX/XX/XXXX that the comments show as disputed but I havent disputed anything about those accounts in over a year and still the comments remain and havent been removed by Equifax. It is increasingly becoming difficult with them to resolve and they have made it extremely difficult to get in contact with anyone. I have always had issues with Equifax in the past about the information they report and the difficulty with correcting to the point that I have also submitted a complaint to the attorney general office and will consider legal action if necessary
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2019-11-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested to verify through the physical verification of the original signed consumer contract. Trans Union has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (CO)

I have multiple issues with a XXXX  XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I dis not open this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month and is affecting my family and I ability to purchase a home. This account doesnt show on any other credit bureaus. Just Experian. Please delete this from my report ASAP. Please see attached screenshot of myFICO.com report of this account.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have been back and forth between XXXX XXXX, LVNV, and XXXX about this matter. This debt is still reporting on XXXX and I have received documentation from Original Creditor XXXX XXXX stating that after an investigation done by them, they have found this debt as a result of identity theft. It has been well over 60 days but is still reporting under LVNV. I am still being denied my retirement home because of this and it has caused great distress because of it. They refuse to remove it off of XXXX and XXXX has not removed it either as of today XXXX. Please provide me with resources to file a suit against these companies for not removing it.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from XXXX or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.
Consumer complaint received 2021-07-01
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: Convergent Resources, Inc. (MO)

I've notified this company, XXXX XXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
Consumer complaint received 2020-11-27
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 (NY)

All FedLoan in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Consumer complaint received 2019-02-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Security National Automotive Acceptance (TX)

From XX/XX/XXXX until XX/XX/XXXX I received multiple calls a day from SNAAC in an attempt to collect a debt. Sometimes they would call three or four times a day. They even went so far as to call people that I used to associate with even though I have told them in the past only to call me. These calls are disrespectful and disruptive.
Consumer complaint received 2019-11-06
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: Hunt & Henriques (CA)

I was served papers to appear in court for small claims summons, the court date was for XX/XX/2019. Today, I received an email from my payroll telling me my wages were going to be garnished. I contacted my payroll department I was never provided any documentation for a default judgement and I was told that Law Office of Hunt and Henriques had submitted a judgment against me. I contacted the law office to inquire as the court hearing was not schedule until XX/XX/2019 and I was told, they requested a summary judgement without the hearing. I spoke to an Attorney ( XXXX ) and he explained that since I was served paperwork and I did not contact them or the court, they were granted the judgment. He explained this is customary practice but it feels as it is deceiving and should be illegal as we had a hearing that was already schedule. I have asked for a copy fo the judgment and documents submitted and provide to the court but I was told they have already been sent to me. However, I never received this documents. Today, I attempted to settle the debt via an electronic check or debit card but I was told, I would have to mail in a payment in form of certified payment and that once, they received the payment, it will take several days to process and therefore, the garnishment might still take place. I was told the judgment will affect my credit and can affect any property own. The amount of the garnishment is much greater then what is listed on the court summon.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2021-09-17
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 (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I HAD SUSPICIOUS ACTIVITY ON MY CREDIT ACCOUNT IT CAUSED MY CLOSED MY ACCOUNT. WHEN I WAS WAS CLOSING MY ACCOUNT I ASKED THAT PERSON TO TRANSFER MY POINTS MONEY {$1900.00} TO MY BANK ACCOUNT. AFTER TWO MONTHS WHEN I REALISED THAT I DID NOT RECEIVE MONEY I CALLED AND SPOKE TO THE SUPERVISOR AND AFTER A WEEK I RECEIVED A LETTER THAT MY REQUEST WAS DENIED, THEN I CALLED AGAIN AFTER THEY DENIED MY REQUEST. LAST TIME WHEN I SPOKE TO A SUPERVISOR AND THEY SAID MY REQUEST IS GETTING DENIED BECAUSE THERE IS NO ERROR BY THE BANK. I REQUESTED THE MY OWN RECORDING THEY SAID I HAVE TO GO THROW COURT. I FEEL LIKE IT'S NOT FAIR FOR SOMEONE ELSE 'S MISTAKE AND CAUSED ME TO LOSE A BIG AMOUNT OF MONEY.