davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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. (NY)

XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MI)

End of XXXX of XXXX I cancelled my service with XXXX XXXX to be shut off on XX/XX/XXXX, as I was moving. They said they would send mailing kit so I could send back receiver, it didn't get to me. XX/XX/XXXX asked again for kit never got it. XX/XX/XXXX I talked to XXXX XXXX XXXX for collection. I was told I needed to give back the reciever or pay {$140.00}. I told them I have been waiting for a mailing kit. I was told I could go to a UPS and they would send it for me. I did that in XXXX, MI the return reference # XXXX. XX/XX/XXXX spoke to rep from XXXX XXXX said they had not received anything. They transferred me back to collections to speak with them because at this point it in collections and they couldn't do anything. After speaking with several reps I was told it takes 2 billing cycles to make adjustments. As of XX/XX/XXXX they had no information. XX/XX/XXXX received letter XXXX. XXXX collections, told me they would register a complaint. XXXX XXXX a collection agency sent letter dated XX/XX/XXXX. I was told to file a written complaint. I wrote a letter, sent copies of bill and all collection notices, sent out XX/XX/XXXX. I received a letter from ERC a debt collector dated XX/XX/XXXX, XXXXtrying to collect. I called them and the rep said it was for services rendered not equipment. This is crazy I have been told for all this time it was for a reciever now this agency is telling me something different. I know this is incorrect. I did not owe anything as I had an auto debit come from my account monthly. I had cancelled service early enough so there would not be anything owed. They said they had no record of any calls that I've made or my dispute. But asked if I wanted to pay {$94.00} and they would clear the account. I said absolutely not. I do not know where else to turn. My name on there accounts is XXXX XXXX reference # XXXX as of the last debt collector. My email address is XXXX my address is XXXX XXXX XXXX, XXXX MI XXXX. My hope is that they will recognize my attempts to resolve this matter. Sincerely XXXX XXXX
Consumer complaint received 2021-04-02
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: CL Holdings LLC (CA)

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$7600.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/XXXX. Last payment made was XX/XX/XXXX. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

Equifax is refusing to update or provide me with an accurate credit score and frequently do not update my account. They are refusing to provide me any information on my account until I provide them with proof of identification ... I have gone through all their verifying questions and have provided them with sensitive information over the phone that proves my identity. I asked them why they are asking for proof of identification and they wont tell me why ... I had faxed them a request for dispute well over a month ago and I would like information on that now ...
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am XXXX 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 accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} Medical XXXX Balance Owed : {$260.00} Medical XXXX Balance Owed : {$260.00} Medical XXXX Balance Owed : {$190.00}
Consumer complaint received 2020-07-14
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. (VA)

information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX
Consumer complaint received 2022-08-19
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX 

Accounts : 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 XXXXn XXXX : its also started a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-14
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. (OH)

I wrote letters to the credit bureaus and the following companies listed below about unauthorized inquiries on my credit file. I did not receive a response from the companies listed below and the credit bureaus didn't give me correct information with the companies authorization to pull my credit
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
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. (OH)

There is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, XXXX  and Equifax are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. XXXX  claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (IN)

I want to kno why I have a wreck less driving on my record still isnt it past the time frame to where it shouldnt be showing up anymore. Its XXXX  anyways just cuz it says wreckless driving u all dont kno the situation of what happened anyways .. so until the whole story is known its not fair that I have a XXXX  driving charge on my record
Consumer complaint received 2020-07-14
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CO)

I just received a bill from Synchrony Bank, regarding my tires I bought with credit from discount tire. They are charging me 29.99  interest rate, but they don't tell there customers that the interest rate is from the original amount. I was on a promotional deal for 9 months, and then the interest rate started as of XX/XX/2019 for my next payment. How is a person suppose to catch up on the bill, when they lie to there customers? They are charging me over {$290.00}, and my previous bill was {$750.00}.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

My car window was smashed at a local trailhead and my purse stolen from the floorboard of my car on XX/XX/XXXX. I immediately filed a police report with local authorities. XXXX County-XXXX  Georgia Police report # XXXX ( Officer XXXX ). Within an hour of the discovery, I also called my credit card companies including Chase to report the theft. Chase sent me an email that someone tried to use my credit card at XXXX - I used their online tool to indicate that the charge was not me. The charge was approved anyway. {$400.00} was charged to my card at XXXX and store surveillance footage shows the purchase was made by a XXXX male ( I am a XXXX  female ). Nevertheless, in spite of filing a police report and immediately reporting the fraud, Chase 's Fraud team 's internal investigation decided that I am responsible for the charge because it occurred at a store near ( 5 miles or so ) the site of the theft and my own address. Chase 's letter to me indicates that I " received benefit from the transaction. '' The fraud phone # directed me to an email and I called the main # and spoke to someone in disputes who said it was not a dispute but she read the internal notes where Chase thought that I made the story up. So apparently, the thought is that I smashed the window of a XXXX, wasted an afternoon filing a police report and contacting banks, wore a XXXX XXXX level disguise to XXXX, all to defraud Chase of roughly {$400.00}.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : 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
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASTA FUNDING INC. (NY)

Greetings is purchasing an coop found out though XXXX XXXX about this debt collection agency filed a civil suit against me in year XXXX for a debt that was from XXXX XXXX. I do not recall owning a credit card from that Bank I am accuse of owning. Contact the bank with my real estate agent and they could not find anything for over a period of transfere and holds. Then after a good hour they said I had a checking account their which I had with my son but no credit card from what Im being accused of owning money on however received information they sold this account to a credit collecting agency. I called agency gave my name they said they could not find so gave social security number than they ask for my address in which I gave. I ask them how much money was I suppose to own and they said XXXX after a brief hold on the phone I told them I do not recall owning any credit card company that amount of money. Now today the XXXX of XXXX they send me a notice threatening to garnish my salary from work and having a notice issue after I said I do not own them money Now claiming XXXX dollars. Sir/Ms. I have been working on my credit report for some time and ask the credit bureau at the time and it was not on my credit report after searching for it. I pray for a quick resolution to this underhanded treatment. I am moving and this credit collecting agency has file falsely against me I truly believe I Do not own anything to this agency that file against me after they collected my personal information from me over the phone knowledge about me wanting to purchase my new home in a short time span. They are the only agency that is trying to collect money from me falsely. I pray that you review what I have written and give quick judgement for I am truly innocent on this if you can look at my credit report I have resolved with other creditors with debts I know I owe. This agency knew I would dispute because I told them I would so they went and refile again.
Consumer complaint received 2020-09-12
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)

I submitted a previous complaint about this discrepancy and issue and credit score drop and I found the discrepancy. When the update was made ; I see that the credit card closed date was changed from XXXX to XXXX. Please see the attachments This is what caused my decrease in my score on XXXX and what caused me to lose my home. What was the reason for the card closure date. 

Please reference complaints XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-07-14
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.
Consumer complaint received 2020-09-22
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: LJ Ross Associates (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC (TX)

Thank you for taking time to read my complaint. XX/XX/XXXX I was in a bad spot and didn't have any time to get my credit in a better place before purchasing a new vehicle. I was pretty much left with no choice but to have a high interest rate loan with SKOPOS Financial. I purchased a XXXX XXXX XXXX with XXXX XXXX miles on it. The interest rate is a daunting 23.99 %. From the very beginning of the loan I had a hard time paying it seeing as though the loan was {$540.00} per month. A few times I got behind and although the company allowed me to add 3 payments to the back of my loan I just can't afford it. I had plans to refinance the loan to get a lower interest rate but I couldn't because the late payments kept my credit score down. I started working diligently on my credit XXXX of XXXX and that's when I started doing extensive research into my automobile loan and I realized that over the last 2 1/2 years I have paid {$11000.00} to this {$20000.00} auto loan and of that {$11000.00}, only {$1300.00} has been applied to the principal amount. {$10000.00} has been applied to the interest. According to my online account I still owe {$15000.00} in interest on top of still owing {$18000.00} on the principal balance. I have spoken with quite a few agents at SKOPOS and no one can seem to help me somehow get out of this loan. I have tried multiple times. I went as far as trying to go through XXXX XXXX and my Credit Union to refinance the loan. The car is currently worth only {$6500.00}. I've taken it to about 9 different car dealerships to try to get from under this loan with no luck. No one will take on the negative equity. It was suggested to me to voluntarily give my car back and try to hurry and find something before it shows up on my credit report. I am at a stage in my life where I am diligently working on my credit and I don't want to ruin my credit by going about this the wrong way. I need help getting away from this company. I take full responsibility for having a few late payments. I am correcting my mistakes. At this rate I will NEVER finish paying off this auto loan.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (MI)

I opened up a JcPenny ( jpmcb  ) Credit Card prior to 2015. I was making my payments on time. In XX/XX/2015 I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, it still shows up as an inquiry/derogatory on my credit report. 

I hired a 3rd party company to try and dispute this. They reached out to JcPennyBank but all JcPenny did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.