davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 below. 
I demand that the following account be verified or removed immediately
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

DATE : XX/XX/XXXX SUBJECT : Victim of Identity Theft of Fraudulent Transaction Dear Sir or Madam, I am writing this to bring into your concern that on XX/XX/XXXX, an unauthorized disputed fraudulent transaction of XXXX XXXX- was executed on my name for apartment lease booking at XXXX XXXX. The XXXX ID XXXX. I beg to inform you that this transaction was not authorized and carried out by me in any physical or online form. I am quite surprised to mention that this is a fraudulent transaction, and I am a victim of identity theft, and I dont make this transaction. I am not responsible to any charges made to this fraud transaction. I have not initiated the above-said transaction. During the date of fraud transaction, I was living in XXXX XXXX XXXX XXXX XXXX  The Fraudster has used my Social Security Number and the items I dispute is attached as a copy of the report I received for the Collection Department - XXXX-Account # XXXX The items I dispute also are attached copy of the report I received. Below is the list of disputed items which make it clear that I am the victim of a FRAUD Transaction. 

1. Identify item ( s ) = Lease Agreement 2.  Current Address = XXXX XXXX, XXXX 3. Original Creditors Name = The XXXX 4. Lease Date and Location XX/XX/XXXX, XXXX, XXXX I  am requesting that all charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Requesting you to please take up this matter urgently and investigate at the highest level and notify me in writing of the results of your investigation and help me in recovering my money back at the earliest possible. 

Enclosed are copies of ( Fraud Transaction Report with all details ), which supporting my position. Please investigate this matter and block the disputed item correct the fraudulent ( charge or debit ) as soon as possible. 

Regards, XXXX XXXX
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have attempted on many occasions to have this debt deleted. FAIR COLLECTIONS & OUTSOURCING hast two debts listed on my credit report. I asked this company to verify this was my debt and they did not verify all of the requested information nor did they respond in a timely manner. I want both of these debts deleted from my credit files. I asked this company to forward details about their authority to collect this debt, whether they were licensed in my state and if so to provide the date of the license, name of the license, license number, and the name of the state agency issuing the license. They also provided my mailing address as XXXX XXXX XXXX XXXX MD. I have no idea whose address this is. I sent a certified copy of the correspondence the documented date they responded was the year XXXX. I want this information removed from my report immediately and I don't want them to have the ability to ever report it again. I am trying to get a personal loan for consolidation and this collection continues to hinder me from getting the loan.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was contacted by Account Resolution Services [ referred now as : ARS ] about a delinquent Medical Bill supposed incurred from 'Paragon Contracting '. When I asked 'what Doctor ' or 'medical service ' that XXXX represented, the response on XX/XX/21 was only, XXXX Contracting '. The letter also reads : ( NOTICE : SEE REVERSE FOR MORE IMPORTANT INFORMATION ) however, the reverse is a blank page. 
The recent contact by XXXX requested I 'settle ' a non-existing, 5 year old bill, by asking me to pay them 1/2 the amount to 'settle '. They use the Credit Report Agencies to shake people down forcing us to pay or else have ruined credit. 

When investigating 'Paragon ', the XXXX shows over 120 complaints regarding their demand for payment of non-existing services. 
ABS, their 'Bill Collector ', has over 6,000 complaints with CFPB, alone! 

It seems apparent that these two work together to form a Medical scam and use ruined credit to extort monies from those vulnerable. 
How many complaints does CFPB need before action is taken?
Consumer complaint received 2021-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Received notification of new derogatory collection account XX/XX/XXXX from XXXX XXXX representing XXXX XXXX/ XXXX which was removed/ deleted 1 year ago. Via online dispute twice, communicated company did not provide any communications of this debt before placing on my credit report. XXXX and XXXX removed immediately. Transunion continues to report as a verified account even after I provided documentation account is duplicate account removed last year by XXXX XXXX due to being unverified account and after notification company violated FDCPA. Certified mail letters to XXXX XXXX XXXX ; XXXX ; & XX/XX/XXXX via certified XXXX : Receipt # 's XXXX ; XXXX ; XXXX.
Consumer complaint received 2022-09-26
Product: Mortgage — Other type of mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Finance of America Holdings LLC (CA)

On XX/XX/XXXX I discovered with the social security administration my middle name had been removed from their records when in mine I had a middle name. So the next day on XX/XX/XXXX I checked on annual credit report.com to following check at XXXX and XXXXThe first two times to was locked out of my credit reports because I didnt know the answers to the security questions I was receiving. According to their records there is some sort of mortgage through finance of America or XXXX XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from synchrony Bank in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to XXXX XXXX. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky XXXX House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

XXXX XXXX
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (KS)

On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$1500.00}. My credit card balance after 3 days showed a {$0.00} balance. On XX/XX/21 the original payment of {$1500.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$250.00} in the promise that it would be paid with the same checking account that paid off my credit card. I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$250.00}. It was returned as insufficient funds on XX/XX/21. I disputed this transaction of {$250.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$250.00}.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I see previous complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were closed without notification nor response by company I was complaining to XXXX it too much to ask? 
Capital One has no email to contact, when I phone I spend 10 minutes to give background to customer service and they say they will review and I rarely get reply So when Capital One responds to CFPB with response to close I like to know response
Consumer complaint received 2021-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Concord Servicing Corporation (CA)

Hello, I was granted a loan through XXXX lender, a company that no longer exists. That loan was bought by Concord Servicing. I am trying to get a copy of my original loan terms through Concord Servicing, but they have repeatedly ignored my requests for a copy of the loan terms.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased by vehicle in XX/XX/XXXX during the pandemic. I was told I would be able to push my payments back due to the pandemic and it would not go against my credit but that was false! I've made a few payments on time and there was a couple times I paid a XXXX late. The month of XXXX I was late, but on XXXX XXXX, XXXX I made a payment of XXXX. I would pay the past due and the amount due at that time which would be an " on-time '' payment. My last payment was on XX/XX/XXXX in the amount of XXXX and when they reported the bureaus on XX/XX/XXXX it shows I haven't paid, and I'm behind which is false! They have been damaging my credit for a while now. They never report accurately!
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (TX)

On XX/XX/2021 I sent a dispute letter to XXXX XXXX XXXX to have a false and misleading account removed from my credit. On XX/XX/2021 I called XXXX XXXX XXXX because I had not heard anything from the agency about that dispute since the letter was sent. A representative told me that the investigation process had not been started and that she'd have a manager reach out to me. A manager reached out to me XXXX  days later and then I was sent a letter via email stating that the account wouldn't be deleted even though they were in violation, failed to perform an investigation in the fair allotted time frame according to US law of XXXX days, and at fault. 

This agency is violation of several laws according to the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), Section XXXX unfair and misleading reporting, and violation of XXXX U.S.C. XXXX. I sent a third and final letter to XXXX XXXX XXXX on XX/XX/2021, as per this complaint the account is still on my report. According to XXXX XXXX XXXX the agency that reported the negative on my credit was to notify me within XXXX days after the initial communication in connection with the collection of any debt. They failed to notify me, as the original creditor, only I can validate the debt. However, I do not validate the debt. Therefore according to all of the above referenced law breaking violations, I want this account removed at once.
Consumer complaint received 2020-05-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I am currently situated in a XXXX XXXX  and prior to entering the facility my cell phone was given to my mother because she actually bought the phone just a few days before. My sister entered my mothers house and stole my phone containing all of my personal account information. I had left my wife all of my information for most of my other accounts so she could handle all of the finances etc I could not remember the login to my Chime account and the only way to change the password was to have possession of the phone my mother took back from me, the same XXXX my sister stole. My wife had physical possession of my debit card for my chime account but she could not access my account. My wife informed me that my sister had stolen XXXXXXXX XXXX out of my chime account. Once my wife learned my sister had taken money from my account she began moving my money onto her own personal XXXX XXXX to prevent my sister from taking even more until I was able to contact chime to get my account more secure. I eventually was able to use a phone to contact chime ( again ) and have my account reset so my wife could have access to it. My wife updated the password and phone number associated with the account and cut the old card off and had a new one sent out. I had filed a dispute with chime and was told my wife needed to press charges or file a police report ( since I am in a XXXX XXXX  ) before they could issue the money back to the card. My wife went the next day and filed a police report and sent it to chimes support team via email. They denied the dispute and would not return the money. I called again today to speak with someone and give information about my account and they still denied the dispute and will not return the money that was taken from me.
Consumer complaint received 2021-04-09
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: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I initially received an email from the Carrington representative indicating items to address on my credit. Upon receipt of the email, I spoke with the FD Carrington representative and indicated I did not submit the credit check authorization on the website. I explained that I exited from the webpage prior to hitting the submit button. The representative proceeded to inform me that the system does that and does not tell you it was submitted. Therefore, I did not give permission for the company to run the credit check for a hard inquiry.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint Against Lender : CAPITAL ONE BANK USA XXXX On XX/XX/2020, a total of ( 2 ) payments were set up and scheduled for automatic payments through the mobile app to reflect towards both MasterCard accounts with Capital One. 


XX/XX/2020, After attempting to make a purchase using one of the cards, I notice that the balance did not include my previously scheduled payments, so I reached out to Capital One. At this moment I was informed that the payments were missed and I had a past due balance on both accounts. I informed them that the accounts were scheduled and set up for automatic payments in XXXX. After an account review, the representative informed me that there may have been an issue with the app version and offered a credit for the late fees and a payment option. 

Upon accepting this option I asked that the payments be updated to credit bureaus and they assured me that it would. After reviewing the account I see that it was only reported as an improved account. 

I reached out to the Bank on XX/XX/XXXX and asked that changes be made. The agent said that because of the time frame, I should further dispute it through another department.
Consumer complaint received 2021-04-09
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: Bread Financial Holdings, Inc. (WI)

The account with COMENITYBANK/XXXX  account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my XXXX  Credit. I have notified both parties COMENITYBANK/XXXX as wells as XXXX  and explain to them that i have no association with this account. When i spoke with XXXX  i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that Comenity Bank remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, XXXX