davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as posssible. I reported this and have also included the FTC Affdavit thats lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenice to me as consumer. I XXXX XXXX am making this complaint. This is not a 3rd party you guys tried that before. I've provide 2 FTC Affidavits.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-07-19
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 — Their investigation did not fix an error on your report
Company: The Best Service Co.,Inc (NM)

The Best Service Co is reporting Negative Account - Collections on behalf of original creditor XXXX XXXX XXXX XXXX. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 XXXX account ( checking ) was Closed per XXXX XXXX XXXX XXXX. Financial institution XXXX XXXX XXXX XXXX is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution XXXX XXXX XXXX XXXX. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc (OH)

RE ; XXXX  XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 XXXX XXXXXXXX XXXX CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent student and hardworking as I was also a victim of identity theft when my car was stolen in LA last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.
Consumer complaint received 2018-02-27
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: Ditech Financial LLC (TX)

Ditech Financial LLC f/k/a Green Tree XXXX  XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and XXXX Credit Reports.
Consumer complaint received 2020-11-02
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. (TX)

Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2023-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (MA)

On or about XX/XX/XXXX, Synergetic Communication , Inc sent a letter claiming a debt was owed by XXXX XXXX XXXX XXXX, whom no longer lives within the United States of America. This was the 3rd or 4th letter sent to this address ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). 

This debt is apparently related to an Auto Loan which was surrendered to the Bank in XXXX, during the Financial Crisis and " Great Recession. '' XXXX XXXX XXXX XXXX and myself ( XXXX XXXX XXXX ) were married at that time and moved to XXXX as a family. We attempted to : 1. Settle this debt with the Auto LIEN holder, by offering a cash payment of {$4000.00} against the loan, with surrendering the car to the bank. The bank refused/ did not reply to multiple letters / phone calls. 
2. Because we did not have sufficient resources due to the financial crisis, we elected to stop payment and let the bank repossess the vehicle. 
3. Within 1 year, the bank offered to accept ~ {$2500.00} to settle the loan, which we refused ; we did not have the resources at that time. 
4. We updated all financial institutions with our current address in XXXX, as well as the Internal Revenue Service. 

This loan was charged-off between XXXX. Collections ceased at that time. 

I now have a collections letter claiming that XXXX XXXX XXXX XXXX is living in a house in XXXX, and that she still owes a settlement. I dispute the claim, on her behalf, and with her permission, because : 1. The statute of limitations has expired for collecting this debt. The statutes claim 6 years from the date of last payment ; that would have been during calendar year XXXX / XXXX. 
2. All banks/ collections are well aware of XXXX XXXX XXXX XXXX 's addresses ; her tax returns and also address updates were provided to all interested parties. 

This means that Synergetic Communications has : 1. Intentionally ignored the statute of limitations and is attempting to fraudulently force other parties not affiliated with XXXX XXXX XXXX XXXX to pay debts NOT OWED. 
2. Sent letters that contain explicitly protected and private loan information that has been revealed to parties that have no interest in this matter; thus violating XXXX XXXX XXXX XXXX 's right to privacy, as well as attempting to use embarrassment / humiliation to " coerce '' payment. 
3. Since it appears that Synergetic Communications has had complaints filed against it for similar infractions in the past, it is being provided for further investigation. See here : https : XXXX I respectfully request that the C.F.P.B. complete an investigation into this matter, and kindly advise any and all remedies appropriate and permissible by law. 

Regards, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-28
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: Experian Information Solutions Inc. (AZ)

I have tried and tried to get Experian to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from Experian this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my XXXX  account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a XXXX XXXX account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by Experian!  Yes it does! 
So why if Experian can allow access to my score on my XXXX account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my XXXX account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my XXXX account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (VA)

My car lease was with Volkswagen. The lease loan was with Volkswagen credit. My car lease ended in XX/XX/XXXX and all payment due have been paid with my account in Volkswagen Credit fully closed on XX/XX/XXXX. After one year, they still send me bill saying I own them property tax for the full year of XX/XX/XXXX. I called them 3 months ago, explaining that this must be wrong. The agent realized they made a mistake and I might only owe the piece between XX/XX/XXXX to XX/XX/XXXX, which was the period I still had the car. They promised me to correct it and will contact me once it's clear. Now 3 months later they still keep sending me the same bill and now, with a notice from their collection department!!! I'm very worried they will abuse my credit report. If I did not pay attention to such bill I might have paid the excessive charge they recklessly put on me. I feel very angry as an individual consumer I need to worry about and deal with such excessive charge, and even after I made my effort trying to correct them, which they accepted and promised would correct, they still keep doing that! I need someone to investigate their statement system and correct the bug which might already have hurt many customers if they simply accept and pay it!
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MI)

this company is saying i owe XXXX from 2016 which is pass the statue of limitations, also i currently have XXXXXXXX XXXX and home service i have a XXXX balance there is no way this is my account. i asked them for proof this was my debt they never sent anything just continue to call and harrase me. if they cant proof this is my debt orginal copys these needs to be removed from my credit report. i have already been a victim to id fraud.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This account is in violation XXXX XXXX is willfully civil liable for continuing to report incorrect data on my consumer report. 

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE THIS ACCOUNT
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX i received an email from Capital one inviting me to apply for a credit card XXXX, XXXX for using XXXX from Capital One. We invite you to apply for our Quicksilver card from Capital One. Once approved, youll enjoy A 0 % intro APR for 15 months on purchases and balance transfers, with a 15.24 % 25.24 % variable APR after that. There is a 3 % fee for amounts transferred within the first 15 months Unlimited 1.5 % cash back on every purchase, every day A {$200.00} one-time cash bonus when you spend {$500.00} on purchases within 3 months of account opening* No annual fee No foreign transaction fees This offer expires XX/XX/2022. Click to Get Details See Application Terms Having trouble viewing your application? Visit our website and use your personal codes to get started. Reservation Number : XXXX Your Access Code : XXXX I was denied on the same day XXXX XXXX XXXX unfortunately we were unable to approve your application at this time. We know youre disappointed. To help you understand why, weve explained the reason for this decision in a letter or email that youll receive within 10 days. 

I received a letter which totally contain the wrong information I believe the reason for denial is " I am a green card holder and not a citizen '' I contacted the company and they told me that there is nothing they can do. ( Letter attached )
Consumer complaint received 2022-01-10
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. (GA)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2021 I contacted the collection agency ( XXXX ) who is handeling a charged off credit card-Cash rewards card for Navy FCU. I spoke with the representative with XXXX and set up a settlement and made payment according to the settlement agreement in full. I was todl there was a delay in sending the correct information to Navy FCU to update my credit report as such. I've contact both companies Navy FCU and XXXX  and I am constantly told my profile will be updated within 30 days and talk to the other company. It has been over 60 days and I am still being reported as delinquent with a balanced owed. I have disputed this information with the credit bureaus and the same informaiton is being reported. If an agreement of settled in full was reached the account should be updated as settled in full zero balance
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/XXXX, I acquired a XXXX XXXX XXXX in a lease option thru XXXX XXXX of XXXX XXXX California. My lease expired on XX/XX/XXXX so before the expiration date, I applied for a new loan with XXXX XXXX XXXX XXXX XXXX, my loan was approved and they send the check in the amount of {$14000.00} to Nissan Acceptance Corporation, they financed the lease. Nissan received the check on XX/XX/XXXX but they rejected the payment because they say that the check was supposed to be issued to XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX. 
Until today Nissan Acceptance Corporation has not sent the check to me or the XXXX XXXX and that is hindering the possibility to pay my car, Nissan has retained the check for the payoff of my car for 1 months. 
XXXX XXXX XXXX XXXX is sending me texts ordering me to bring the car because my lease has expired even though I am making the monthly payments.

What I can see here is tha Nissan Acceptance Corporation is playing games so I am not able to pay my car and be obligated to buy a new car. 
Help me please.
Consumer complaint received 2023-03-10
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: Early Warning Services, LLC (NV)

I was issued a Comprehensive File Disclosure from Early Warning Services on XX/XX/XXXX ( see attached ). Upon reviewing the file, I realized it was empty and called EWS to find out why. On XX/XX/XXXX at around XXXX XXXX  I called EWS and spoke to employee XXXX who told me that EWS does not put any information in the Comprehensive File Disclosure for the consumer because they are not authorized to. XXXX also advised me to go back to the institution that denied me and ask them to provide a reason for the denial, but the institution already told me they could not give me that information in our initial meeting and directed me to Early Warning Systems. As the consumer, I have certain constitutionally protected rights. Among them, 15 U.S.C 1681 section 602 A, states that I have the right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have not given EWS written instructions to provide any information, and as such, they are violating my rights. I had a previous correspondence with EWS in XX/XX/XXXX and they told me I had no file with them. ( see attached )
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

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.

Southwest Credit Systems - Account # unknown The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-12
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. (MA)

LVNV FUNDING LLC has committed multiple US Code violations against I, the consumer. LVNV FUNDING LLC has also committed identity fraud by opening an account in the consumers name without prior validation and verification of debt pursuant to 15 USC 1692g. LVNV FUNDING LLC is in violation of 15 USC 1692e stating false and misleading information. LVNV FUNDING LLC is actively reporting to the credit reporting agencies and allege debt account that has not been validated per 15 USC 1692g. LVNV FUNDING LLC failed to be clear and conspicuous with their method of debt collection.
Consumer complaint received 2022-04-08
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: HYUNDAI CAPITAL AMERICA (AL)

I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.