davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (MO)

Because I had previously disputed XXXX XXXX XXXX, the credit report agencies wouldn't allow me to do another dispute. I called XXXX XXXX and inquired why wasn't my payments been report to the credit agencies since XX/XX/2022 and I was advise by the mortgage company they have been reporting to the credit report agencies as last as XX/XX/2022, which my credit report do not show the updates. 

I'm unable to apply for a new mortgage until this information is updated on my credit report to show I have been making timely payments for a least a year. 

Information should be updated timely on the credit report when it reported, if it was negative information it would be report timely.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I want to have charge off status deleted. There is no contract signed by me with Portfolio Recovery connecting me with them. They purchased the account from XXXX and I have not contract with them. I had no contract with XXXX either. 

XXXX XXXX XXXX, CA XXXX Portfolio Recoivery, LLC .XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove the debt from XXXX credit reports, show as paid. 

Delete Charge Off Status.
Consumer complaint received 2022-09-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-04
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX Account # xxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (FL)

This is outrageous!!!! It has been over 7 attempts now to get your company to provide the original contract, calculation of deficiency balance, and statement of account along with other documents requested in our letters. Your company has repeatedly failed over and over to provide these documents that we are entitled to. You are acting in bad faith by repeatedly avoiding sending us these documents. XXXX  XXXX has spoken to you by phone and told you to please provide the documents and you have failed to do so on a continual basis. To say we are trying to use the CFPB as a mail service for a legal claim is absurd. SO LET ME BE VERY CLEAR! THIS IS A COMPLAINT ABOUT YOUR COMPANY FAILING TO PROVIDE THE LEGALLY REQUIRED NOTICES YOU ARE REQUIRED TO SEND UNDER ARTICLE 9 OF THE UCC. Do you understand? IMMEDIATELY SEND A COPY OF THE ORIGINAL CONTRACT SIGNED BY XXXX XXXX with any arbitration provisions and the other documents requested. Again, in case you missed it SEND A COPY OF THE ORIGINAL CONTRACT INCLUDING ANY ARBITRATION PROVISIONS. PLEASE SEND IT NOW. THANK YOU
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (CA)

I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated XXXX XXXX, XXXX
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (CA)

While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX XXXX Rewards Card, they offer only to be rejected for the application due to XXXX XXXX XXXX  corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT XXXX XXXX IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

*XXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (TX)

I filled a complaint with you all and Equifax, about companies not being able to pull my Equifax Credit file report. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. I was told that my credit file was too large. I ASKED FOR EQUIFAX TO FIX MY CREDIT REPORT WHICH MEANS THE REASON THEY WERE GETTING THE RESPONSE WAS BECAUSE MY REPORT NEEDED TO BE COMPRESSED IS WHAT THE COMPANY MESSAGED TO ME. Now the Problem I am having is that whatever EQUIFAX did to my credit report my Credit Score is not changing and it shows that accounts weekly are being deleted off and added back on which causes my score to go down when they take the accounts off and even when they put them back on its like nothing happens to bring my scores back up. My credit have went up with the other bureaus 28 to 30 points in 1 month and my Equifax has not moved in months and when it do its only down when I have been paying my cards and credit way down. Something is wrong with my Equifax. I now pay for credit monitoring so I can get notifications an I never get any notifications. This has been every week since they have been fixing my Credit. PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH. My CONNS account should have been cleared off of my Equifax according to an agreement we made in XXXX XXXX
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with XXXX XXXX bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NCB Management Services Inc. (TX)

I have been told that NCB Management Services , Inc has filed a law suit against me in court for about 4 thousand dollars. I do not know who NCB Management Services , Inc. is, I have not ever signed anything with them and do not owe them money. I am receiving letters from attorney 's wanting me to file bankruptcy. I do not know who this company is or why they are dragging me to court. NCB Management has no records of my signature with them for any product or service. I did return a car to XXXX but the car was in good working order and it was not a repo. I returned the car because they and the dealership promised me If I paid on the car for a year I could turn the car in and get another car. I did not want or like the car I was sold. I tried to trade the car in 14 times and was turned down everytime. When I turned the car in it was valued at XXXX and the amount owed was XXXX. I do not know where they come up with me owing them for XXXX dollars to a company I have never heard of. I believe they are trying to collect fees and interest on money they did not loan or have the right to collect ; and I do not owe.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I requested an increase in the credit limit on my Wells Fargo credit card ending in XXXX. While I recognize I had recently requested an increase, since that time my financial circumstances have dramatically changed since I relocated, started my first career job after graduating from college, and purchased a condominium. On the same day, Wells Fargo issued a denial letter without considering my current credit worthiness. 

My call to Wells Fargo resulted in connecting with a representative who had no interest in helping me through the process to secure the requested increase in my cards credit limit. She never requested the information I was prepared to provide as justification for my limit request. She simply indicated I would receive a letter with a decision, a decision she knew would be a denial without the additional information I was ready to offer. She was abrupt to end our conversation. 

Had the representative shown the initiative to ask for information which supports my current request for a credit limit increase she would have learned : My credit score after taking a hit during my condo purchase process was XXXX I have equity of more than 20 % in my recently purchased condo I am fully employed earning income sufficient to qualify for the increase I requested I have a relationship with Wells Fargo beyond this credit card account Subsequent to that abbreviated conversation, Wells Fargo never initiated contact with me to secure the information I was prepared to provide to support my request for a credit limit increase. Wells Fargo simply moved ahead and denied my request. 

My complaint is Wells Fargo, following the process described above, denied my request without allowing consideration of additional information which supports my credit worthiness for such a credit limit increase. I respectfully request 1 ) the CFPB present my concerns to Wells Fargo and 2 ) Wells Fargo use information about my current credit worthiness to reconsider my request.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-14
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MO)

Account is not past due. Payment due on XXXX/XXXX/16 was made and was in excess of the Minimum Payment Due. An additional payment of {$10000.00}. was made on XXXX/XXXX/16. Of this amount less than 70 % was applied to the balance with the highest APR. The interest bearing balance of this segment was {$8100.00}, per the statement. 
Per Citi 's own card agreement, and the law, the excess payment should have been applied to the highest APR balance first, then to the next highest APR balance, and so on. 
Citi has danced around and now state that 100 % of the excess payment is not applied to any one segment. 100 % of the excess payment would have paid off the balance with the highest APR and left over {$2000.00} to be applied to the next highest APR balance, which was only {$2300.00}. The total balance on the account prior to any XXXX payment was {$12000.00}. 

These people refuse to honor their own card agreement and need to be forced to do so. Not an honest company!!!
Consumer complaint received 2022-09-14
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)

This will be my last Complaint to inform the Equifax Credit Bureau that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Equifax Credit Bureau do not comply with the requests, it leaves me no choice but to pursue legal action. I need the listed account deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}.