davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
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. (PA)

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF  PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/ Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax, XXXX  and XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2024-02-28
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. (FL)

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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX. XXXX, XXXX, account number XXXX and XXXX. XXXX, XXXX, account number XXXX has violated my rights. 

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

15 U.S.C. Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NV)

I received a letter dated XX/XX/XXXX/19 from US Bank.The letter stated that they are in the process of closing my account for suspected irregular activity. I did not understand this since I had a positive balance of {$950.00}. The letter also stated that if the account has a positive balance a cashiers check would be sent to me. At the bottom of the letter, it states if I have any questions to please contact the branch where I opened the account. I immediately went to the branch and spoke with the branch manager XXXX XXXX XXXX. She gave the phone number for the fraud dept and was very dismissive of me. I called the fraud dept and they advised me the account would automatically close on XX/XX/XXXX/19 and that if there is a positive balance it would be sent to me in a cashiers check. I waited until XX/XX/XXXX to call again and they stated the the account was closed on XXXX/XXXX and that and that a cashiers check was sent out to me for {$950.00} and I should receive it in 5-10 business days When I did not receive the check I went back to the bank and spoke with XXXX XXXX again who I could see really did not want to speak with me or my husband. She stated that no check was sent out and she has no idea why. I went outside of the bank and callled the 24 hr bank line. I spoke with XXXX who advised me the check was sent out on XX/XX/XXXX19 that I should expect it this week. I am getting a run around from this bank and no seems to know or care where my money is.I called again 4 days ago and they advised me that the check was at the branch office, which XXXX XXXX XXXX denies,
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In XX/XX/XXXX, I had to put a security alert on my credit file because I was a victim of fraud while on XXXX. On Wednesday, XX/XX/XXXX, I applied for an XXXX credit card. However, they said that my phone number was not listed on my credit file and was instructed to call Experian to update my number. I called them on the same day above and the agent said he added my number ( XXXX ) to my file. I called XXXX to let them know that I updated the info but on verification one of the digits was incorrect. He said the first digit was incorrect. This means that the agent input the incorrect number. I called Experian the same time and they kept telling me that is updated even though XXXX told me that the information did not match. They advised me to send in a copy of my social security card with proof of my address ( my energy bill ). They told me to upload the information online but their online portal did not work. I was advised to mail it in which I did on Friday, XX/XX/XXXX. I called the following week and they said they had not received it. I kept on getting a run around from the agency about updating my information. For most services now I am being denied. I went to XXXX   XXXX XXXX to open an account and I had to head back home to get a physical copy of my SSN because of the phone number problem. Just day I went to XXXX to get service and the phone number is still an issue. I can not deal with Experian customer service because they have agents from XXXX who do not know English language and they are not inputting the correct information into consumers ' profiles. That is where my information got messed.
Consumer complaint received 2022-01-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX  XXXX XXXX Account # : XXXX Balance reported {$23000.00} I sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is Nissan Motor Acceptance and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with XXXX, we can't provide you with any proof because your account no longer exists with Nissan and so you must contact XXXX directly. " Prior to mailing XXXX a letter on XX/XX/2021, I called XXXX directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact Nissan directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with Nissan  and all 3 credit bureaus to also delete the charged off original lender Nissan account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau to delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can XXXX be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!
Consumer complaint received 2021-09-05
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. (PA)

I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

It took 4 years to get an accurate total of the loan when I did I had been reported as delinquent even though I had been paying the loan. It reported as default when it was differed. I never stopped paying. When I did pay it off in 2016 it still to this day shows negatively on my credit report I was told it would drop off It never did. I can't have a good credit score or get any credit. Any time I dispute it it changes the date and looks like it's an defaulted loan I have had for 12 years. I have asked for help and have received none. I can't buy a house or car without high I ntrest rates.im am struggling..
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carter-Young, Inc. (NC)

The representatives do not identify themselves, nor do they completely verify their customers. When calling they only ask my name and date of birth ... how is this proper verification? Personal information can be shared with anyone who knows my name and birth day. When I call the company reps refuse to provide their names. They refuse to allow me to speak with management and I have also been hung up on several times. They yell at consumers. The mini-miranda has never been read to me verbally. After at least 15 phone calls made over the last year I finally found out the name of the rep that I have been speaking with.. He may have not been honest. He advised that his name was XXXX XXXX and that he was the head of the company ... XXXX XXXX if you are the head of the company you should not be treating customers in such a rude manor and be following the FDCPA collections laws. Why are you even handling a {$340.00} dollar cable bill if you are running the company? One agent was willing to offer an arrangement on XX/XX/XXXX and when I called back on XX/XX/XXXX I was completely disrespected and hung up on. XXXX XXXX yelled at me and I was threatened. Completely unfair practices by XXXX. XXXX XXXX is extremely rude and I plan on taking this issue as far as possible. All over a XXXX cable bill. I have never received a written debt validation notice. All XXXX XXXX wants to do is argue rather than helping customers. 
XXXX XXXX has made several false statements and misrepresentations. He has used obscene, profane, or abusive language. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

In regards to XXXX, I have never used their services. When I was in XXXX my neighbor worked for XXXX and we had our phones through her. She did have my info, so I'm hoping nothing negative came of this. She changed jobs when we moved from XXXX to NJ in XX/XX/2011. My address there was XXXX XXXX XXXX XXXX. XXXX NJ XXXX. 
Note I have never walked in a payment to a phone bill. I would like to see proof of an ID for purchase of these phones. They stated I walked in payments in ca to pay. We lived in NJ during that time. I believe we used XXXX XXXX in NJ for 9 mo before I moved to Sc then used XXXX ever since. I had terrible credit and no money in NJ so I was unable to get regular phone service after my friend ended our XXXX usage. 
Also since XXXX we always had XXXX phones, one for me and my XXXX kids. I have disputed this with XXXX before and nothing changed off my credit.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This morning, I was shocked to find unauthorized inquiries on my credit report, and I have no idea why theyre there. I reviewed my credit report as I normally do, but this time, there were discrepancies that caught me off guard. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries were still there. Given this issue, Im urgently asking for a thorough review of the documents Ive provided so I can stop worrying about this.
Consumer complaint received 2024-08-30
Product: Credit 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 (AZ)

I purchased a pair of shoes on XX/XX/XXXX from XXXX via XXXX using my CapitalOne credit card. XXXX recently allowed me to return the shoes and I received an email from them and from XXXX on XX/XX/XXXX confirming that the return was successfully processed and a refund had been issued. I waited but did not see a refund to my card so I contacted my card issuer and they suggested a dispute be filed. They issued me a provisional credit on XX/XX/XXXX and then denied my claim because the purchase date ( XX/XX/XXXX ) is too old. I have contacted both companies numerous times and neither has been able to locate the missing refund or provide me a resolution. Now I am out {$100.00} and I no longer have the shoes. This is unacceptable and unfair, Ive done all I can do as a consumer.
Consumer complaint received 2021-02-02
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. (VA)

I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-29
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have been in contact with Rash Curtis & Associate and thier attempt to collect a medical debt. In the first place I told them the debt wasn't mine, as well as the major XXXX bureaus. I asked for signed copies of my XXXX release which nobody provided. They kept saying that it was verified and I kept writing letters. I contacted the company directly by mail and they sent me an updated bill of medical services that I've never been seen for, with an address that I never lived at from the state of AZ. I've dealt with having my identity stolen before and this feels like a remnant of the same thing.
Consumer complaint received 2024-09-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc. (MA)

XXXX is holding {$92.00} because the card has expired on XX/XX/XXXX I have already paid my fees to get the card and they are not giving me any portion of the balance. The card was purchased on XX/XX/XXXX