davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my reports/bank accounts. I am requesting that First Horizon Bank - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX delete all false information in they're system or prove the account are valid. This is not reporting on my credit but is stopping me from opening up checking accounts and getting loans as of XXXX.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX XXXX  when this account was paid off and closed XX/XX/XXXX XXXX.
Consumer complaint received 2021-11-24
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keynote Consulting, Inc. (AZ)

This collection of over {$2300.00} showed up randomly on my credit in late XXXX or early XXXX. Looking into it I discovered it was for a place called XXXX XXXX XXXX for couples to travel the world. I was extremely shocked plus confused because I have never heard of it before. 

On top of that, I have never had my passport and have only ever traveled between XXXX and my home state of XXXX which does not have a place called XXXX XXXX XXXX. Looking into this more I found out that they had a scanned copy of a Driver 's License that was lost back in XXXX. The signature on the paper did not even match my signature. 

This company used a stolen Driver 's License and forged my Signature for a travel program I don't even qualify for or live nearby. I have disputed this in detail in XXXX, XXXX, XXXX, and XXXX both over the phone, by letter, and through XXXX. I have also provided them Identity Theft reference numbers regarding the stolen ID and forged signature. Yet they still will not drop this collection that is clearly fraudulent. 

I don't even know what type of collection this is because it isn't for healthcare, it isn't for a car or a house. Not a personal loan, it just looks like someone used my information to skip town and now I have to foot the bill for it. The whole thing is frustrating and their website even looks fraudulent. How can a company do this? And if they are a legitimate company, why are they accepting forged signatures and ID 's not even from their state? Do they even interview people to see the person who signed up is clearly not the person in the picture?
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of 2020. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of 2021. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XXXX 2022 when this account was paid off and closed XX/XX/XXXX2021.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (NV)

Dear AARGON AGNCY In regards to the account from XXXX XXXX, it has been brought to my attention that you claim that I owe {$14.00}. While I accept no responsibility for ownership of this debt as it is seven years old and should be deleted anyway, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$14.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX
Consumer complaint received 2022-09-30
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCG Equities, LLC (OH)

ON XXXX BCQ EQUITIES LLC XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room XXXX Case. XXXX XXXXXXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.
Consumer complaint received 2020-11-08
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: CBC Companies, Inc. (FL)

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX  over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I authorized a balance transfer from my Barclay credit card in the amount of XXXX and a balance transfer fee of XXXX I received the monies in my checking account, however, Barclay charged me 2 times for the balance transfer and balance transfer fee. I started calling customer service XX/XX/XXXX and filed a complaint with the XXXX  and the situation is still not resolved.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois,XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( JPMCB XXXX Services, Credit Card, Chase Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required XXXX window. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2022-01-09
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. (NJ)

I am writing in reference to XXXX, Equifax, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX  is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

XXXX, XXXX and Experian are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Consumer complaint received 2022-08-03
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. (GA)

Hello, My name is XXXX XXXX. I'm in the process of trying to buy a house and I am having a difficult time doing so due to my credit. I am writing this to delete the following information in my life. 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 Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In pursuit of the Fair Credit Reporting Code 15U.S. Code 1681c-2 ( A ) I am requesting that Experian delete the false information they are reporting. I have submitted information regarding that these accounts are the result of identity theft and Experian Continues to report items as valid. I am also exercising my right to privacy in that I have not given Experian my permission, nor the furnisher of the information to report this information. I hereby revoke any insinuated permission to report these negative items on my report. In addition, I am including the proof that I have placed an identity theft report on my file. 

The Items I am disputing are as follows : XXXX XXXXr Acct # XXXX and XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Card Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15U.S. Code 1681c-2 ( A ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CO)

Received a letter from Debt Recovery solutions stating that I owed {$330.00} to them. I called and asked where the debt came from and they said a company called XXXX. I have never used XXXX for anything. They said the transaction happened in XXXX of 2020. Once again, I never have used XXXX for any transaction.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Conns is reporting information on my credit report. I have asked for proof of the debt and they have failed to supply such proof. The account itself also has several inconsistencies that cause me to question the account. The high balance is inconsistent across the 3 major credit bureaus. The date of last activity is also inconsistent. If this were my account how can it be possible to have different dates of last activity. This account is reporting as a collection/chargeoff and there is a past due balance listed on the account but no one can provide proof. There are also differences in the date of the last payment made. I have written the company as well as the bureaus, however no efforts have been made to remedy the problem or respond.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.