davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (OH)

I owed a debt to XXXX XXXX XXXX, my original creditor. This Debt was sold to the XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to XXXX XXXX XXXX offering a settlement of my account for XXXX the amount owing ( {$380.00} ). I included payment with the letter. The letter specifically indicated that if the payment is accepted by XXXX XXXX the debt is considered settled. XXXX XXXX accepted the payment. On XX/XX/2021, XXXX XXXX tendered the money order. However, The XXXX XXXX XXXX continues to show a debt owing for the full amount of {$770.00}. According to the FCRA, I cant owe two companies for the same debt. The three credit reporting agencies refuse to remove information about the debt owing although they are not accurately reporting the information. I have reached out to the credit reporting bureaus regarding inaccurate information being reported on my credit reports and they continue to report the information.
Consumer complaint received 2021-05-27
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. (MI)

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 2 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.
Consumer complaint received 2021-05-27
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carter-Young, Inc. (GA)

Opened XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- *** Not my debt *** Identity Theft ( plus )!!! Collection agency is harassing me!!!
Consumer complaint received 2022-04-07
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. (IL)

In accordance to the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-08
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: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX 2021 I formally sent an Affidavit of truth outlining every violation American Express has done towards me. This was notarized and sent via certified mail and I have attached the receipt. I received a generic response from an unknown person from American Express. Attached is my original Affidavit of truth. I explicitly told them to cease and desist phone calls in my affidavit and they did NOT respect that at all, calling me all times of the day and while at work. I would ask if they have seen my affidavit and they would answer no and attempt to collect a debt. Now on XXXX2021, I was served in person for a lawsuit that has been filed since XXXX!! They expect me to take off work to go to a court house for an issue I've been trying to address since XXXX! At this point I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. I am being harassed and extorted from a private company/ agent, American Express XXXX XXXX represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, I am asking to provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and 15 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX XXXXXXXX. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.
Consumer complaint received 2021-07-17
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: FIRST PORTFOLIO SERVICING INC (PA)

I've disputed this account directly with XXXX several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020 To Whom It May Concern : I had a Company Sponsored 401k account with Wells Fargo Retirement. After losing my job I called in and filled out the paperwork to roll out my funds. I paid extra for the check to be XXXX XXXX. The check was supposed to be here on the XX/XX/XXXX. The XXXX XXXX tracking shows the letter was delivered but I did not get the package. I looked at my Security Camera and the only package that day was a box no letter. I called on XX/XX/XXXX and the call was recorded so please listen to that call. I have been under a great deal of stress and have tried to deal with this issue the best I can. A stop payment was put on a check. I was told to write a letter to your Retirement center but the address was so long that I have having a hard time writing down the address. I told the rep I was so upset that I was having XXXX XXXX feelings and needed him to email me the address. That was not possible so he offered a Fax Number. I was told to just write a letter that says I did not get the check. I was told the letter had to be notarized. Under Covid 19 here everything is closed or barely open. I called my Bank they are closed to the lobby and suggested a pack and mail or XXXX  store. I went running out of the house to the XXXX store and XXXX later faxed a letter to you that was notarized. I have the confirmation that the letter was faxed by the XXXX store which I had to pay for again. I was told the letter would be scanned in as short as a few hours or it could take a day or two. 
Today, XX/XX/2020 I called after giving it a day for my letter to be scanned into the system. I was totally blown away, the letter is not what you NEEDED from me. Rather you sent me a form? I am so upset and in utter dispair as this time. I dont know what to believe. Each time I tried to call Wells Fargo it takes a min of 45 mins and most times you tell me to wait for a call back. I usually have to set aside two plus hours to deal with this issue. Today again 45 mins later, I am told a totally different process I am waiting for a manager to call but again it may take a few days.
Consumer complaint received 2020-12-03
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. (NV)

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from Experian and XXXX  to my requests. I did receive a response from XXXX but not all of my issues were fixed.
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-07
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. (TX)

Hello. I have contacted Equifax Information Services multiple times regarding this potential fraudulent activity on my consumer file report. They are incorrectly reporting an unauthorized Inquiry ( XXXX XXXX, XXXX XXXX | XX/XX/2020 ) that I never authorized nor was aware of. I need this item removed/ deleted immediately to further prevent any negative impact on my consumer report. My point of contact with Equifax 's Fraud Department verified his name as XXXX on Thursday XX/XX/2020 at XXXX pm cst.
Consumer complaint received 2021-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (OR)

I have been trying to get ahold of this company for 2 months now about my ppp loan they sent that went to the wrong account and no luck i habe sent many tickets nobody reapomds the number i call stays busy i have tried womply no help.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group (NV)

I have changed my political status and I have standing and my juris diction is on the land and soil. No American, living woman can owe debt. Nor can a living American woman be in an admiralty court. ( FOREIGN COURT ). FOREIGN COURTS DEAL WITH THE XXXX!
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (TX)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Protection Association, L.P. (FL)

I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX  and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please help.
Consumer complaint received 2021-12-08
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-07-17
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. (TX)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AZ)

LVNV Funding is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 LVNV received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, LVNV will delete the account fully from my credit reports. A few days later the check was cashed. They have since recorded the settlement amount but failed to comply with the settlement agreement as stated. The account is still appearing and showing a balance owed on my credit reports where it should have been removed fully as per the agreement. I've contacted LVNV about this and they have told me to speak to Frontline as they are now representing LVNV on this debt. I spoke to XXXX at XXXX on XX/XX/2020 who informed me the check and the letter have been separated in error, and verbal agreed to delete the item. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing and shows a balance.
Consumer complaint received 2020-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We have a mortgage through NewRez. They acquired our mortgage on XX/XX/XXXX. Our taxes were due on XX/XX/XXXX and we have more than enough in our Escrow Account to cover the taxes due. NewRez failed to pay our taxes on XX/XX/XXXX. On XX/XX/XXXX, we received a Delinquent Notice from XXXX County TX stating that our taxes had not been paid. We called NewRez on XX/XX/XXXX to notify them and sent a copy of the delinquent notice by email. The lady who answered the phone stated that she was not in the Loan Servicing Department but someone from that Department would be in contact with us once they got the email. She stated over the phone that they received the email and we got an automated response by email stating that the email was received. On XX/XX/XXXX, we got a Delinquent Notice from XXXX XXXX XXXX XXXX also stating that our taxes were not paid. On XX/XX/XXXX, a follow up email was sent to NewRez with a copy of both delinquent notices attached and a 2nd request to please contact us regarding this issue. We have never received a response by email or phone from the NewRez Loan Servicing Department with any information about how they are going to fix the problem or about why they failed to pay our taxes as required on XX/XX/XXXX.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II (TN)

I took out a personal line of credit on XX/XX/2023 for medical purposes. Loan number XXXX This was with a tribal company Opichi Funds LLC po box XXXX XXXXXXXX XXXX XXXXXXXX. The amount was {$3000.00}. It was my understanding the interest was {$300.00} a month because that is what the first bill stated due on XX/XX/2023. I am not working due to hospitalization but knew I could get help to pay that monthly. I have now received a bill for {$3800.00} due on XX/XX/XXXX. I contacted them today because I took out he line of credit for medical purposes and am currently undergoing treatments and have the medical documentation as evidence. I had no idea the interest was 338.75 % which is what I am now being told. I asked if I could stop the interest and would attempt to pay {$300.00} a month for XXXX months to pay the original amount plus the {$300.00}. I was told they could do nothing and would not work with me. Please help me resolve this. I contacted an attorney and was told let them take me to court because it would be thrown out in the State of Tennessee and he would represent me. My other option is to include it in a bankruptcy. I would like to attempt to work something out with them but they will not.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act 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