davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CA)

I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My FICO score dropped out of the blue when contacted Equifax their validation systems shows some account allegedly opened on XXXX and XX/XX/XXXX even when I froze my credit with all unions on XXXX. 

Contacted all the companies listed within Equifax questionnaire and all of them said i didn't have any outstanding debts with them. 

On the other hand I have only one credit card that I keep below XXXX out of XXXX and will pay off that amount soon. 

Equifax is deliberately hurting my score and my chances to increase my credit and get employment by having to pay fees and deposits for utilities and rentals which is basically an strategy to keep me poor. Even when I pay all my accounts religiously. rental, food and services all paid in full and yet this is not enough for Equifax.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

Good afternoon, I received notification that I have an amount due in collections. I contacted the debit collection Transworld Systems. I have disputed the charge. I contacted the company XXXX. They changed the billing information for my account without my authorization and entered someone else 's credit card for my account. They failed to notify me any balance owed or that my payment was declined for a year. 

It was for auto insurance payments. I requested the invoices. In two invoices it states I owe a balance. In the previous statement I was informed that I was getting a refund. 

The invoices were not created at the time the payment was due, or past due. They were created in XX/XX/XXXX and XX/XX/XXXX. My policy with this company ended in XXXX of XXXX. 

I contacted the company. They claim they tried to draft the payment but could only collect a partial payment. XXXX XXXX told me the last 4 of the card on file. I have no card that has those numbers. They had tried to use someone else 's card that I have never had on file for my account. I even have the original authorization forms with correct information. All payments from XXXX XXXX were drafted off of my correct card. 

I now have this is collections damaging my credit due to the mishandling by their billing department of my financial information. I did not receive any notice. One that states I am being refunded was sent to an address I haven't live at since XXXX and it is not an address on my insurance policy. I didn't live there when I started the policy.
Consumer complaint received 2021-07-01
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. (NY)

Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

I closed my gym account with XXXX XXXX XXXX  XXXX  in XXXX of XXXX. Closed, cancelled and done. So a year later they try to charge me. Now they say I owe XXXX $ for a year starting in XX/XX/XXXX, when this account was cancelled pre pandemic in XX/XX/XXXX! I havent been to this gym in over a year!
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Navient Solutions, LLC. (MS)

The loan payment was at XXXX a month. I am a single mom if XXXX and without a second job and still was denied for hardship or a good reduction of per month payment and interest rate. It was only reduced by half. XXXX a month. I only make XXXX before tax a year. I dont have a car note but I do have rent, light, water, car insurance, loans, credit cards, school expenses, health insurance, rental insurance, food, and household expenses. I dont get government assistant.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

I found out about the debt due to my credit report. I reached out to XXXX to get info about the debt. It was from XXXX. I did not know about it until now XXXX. When I reached out to the collector they said it has been with them since XXXX. It is for over XXXX dollars. They have not sent me once notice of collections. They have the correct address and information of how to contact me and have not tried once. Nor would they give me any information and told me to contact XXXX.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (OH)

I have sent several letters to Equifax and they have failed to investigate inaccuate and unverfied information on my credit report inteqad they sent me a bougus letter stating they could not locate me. This is illegal to have inacurrate items on my credit reoort when in fact they have no proof, thy even said they could not locate me. I am extremely stressed and feel that Equifax should be held by the law to delete these negative items from my credit immeditately. it illegal what you are doing and this is damaging me.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony bank has never contacted me requesting any information for review in this case. One of their letters states that they mailed me a letter requesting information, but I never received the letter, the letter was to be resent out, I never received that letter either. When I was finally able to send information in through this process the information wasn't used ... they used the result of a previous review where my signature was forged. Didn't take into consideration that the wrong part was ordered that didn't fit my vehicle, that the owner of the XXXX lied in his response and I showed proof that he lied. Now I have receipts that show where XXXX got the parts from and the date they received them ( which is after the date the owner states they were installed in my car ). I also have a receipt that shows when XXXX RETURNED the parts to the dealer for a full refund. Way to do your research Synchrony! I will use a credit card company that looks out for it's customers in the future. I will be canceling all of my Synchrony credit cards ( Care credit, JCPenney, XXXX, SteinMart TJMaxx
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES (PA)

I am a senior citizen age XXXX living on under {$900.00} a month direct deposited social security. Thats at about 80 % of the XXXX XXXX level. 

Zwicker & Associates, P.C. ( Ph : XXXX ) filed a claim against me on behalf of XXXX XXXX  in the Court of Common Pleas in XXXX XXXX PA in XXXX of XXXX. I received the paperwork around the beginning of that month. Arbitration is scheduled for XX/XX/XXXX at XXXX XXXX. 

The claim is seeking {$4700.00} of which {$2500.00} is interest. The account was closed in XX/XX/XXXX. Interest continued to be added from XX/XX/XXXX until XXXX of XXXX. From about XX/XX/XXXX to XXXX or XX/XX/XXXX this account was in Debt Consolidation with ____ca n't remember company name__. It became a hardship after making payments of {$180.00} a month from XX/XX/XXXX to XX/XX/XXXX. At this time I canceled my agreement with______ to move my debt to XXXX XXXX XXXX as they were able to lower the monthly amount. I was advised to stop paying on my credit cards so they could negotiate with the credit card companies. I was able to actually pay off some of the credit cards that I had at the time. But that too became a hardship and I calculated how long I would be paying so I canceled my agreement with XXXX and negotiated on my own and paid off two of my cards. 

I contacted XXXX to try to negotiate with them as they were listed on the collection letter I received and was told that they would only be able to accept {$290.00} a month for a year. I had one check debited from my account in XXXX of XXXX and was unable to continue without severe hardship. So I canceled that agreement. I did speak with someone and told them I could afford {$50.00} a month but there was no further conversation on the part of Zwicker to set up a plan I could afford. My complaint is that I tried to settle my debt in a manner that would not leave me with financial hardship and they refused what I could manage. It would be a greater hardship if I am also saddled with arbitration fees. 

PA
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

My is XXXX XXXX I'm a Veteran of the Unites States Army ( XXXX ) The charges on my card are not correct and I made arrangements on some of the charges, I'm request a letter stating their letter to you stating they are no longer reporting any late payments to XXXX, XXXX, and XXXX.
Consumer complaint received 2022-10-03
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-01
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
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: CITY NATIONAL BANK (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
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. (CT)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Consumer complaint received 2021-07-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2
Consumer complaint received 2021-06-30
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. (PA)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also please remove the following fraudulent inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-07-01
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)

fcra violations see the ftc : remove : all on it please and the accounts attached to it : XXXX  XXXX XXXX {$13000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (AL)

Amerifiniancial Solutions Medical debt XXXX They did not reached out to me about this debt when I finally got in contact with them about this debt and asked for validation of the debt they couldnt give me any information and still didnt send me anything about this debt but is still reporting even after I tried to dispute it on mine
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2021-06-30
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: Upstart Holdings, Inc. (NY)

I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COMMERCE BANK (AR)

commerce sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED
Consumer complaint received 2021-06-30
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. (IL)

I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.
Consumer complaint received 2021-06-30
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: FC HoldCo LLC (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft FLAGSHIPCR Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

4. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine.