davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VA)

I have not been working due to a medical condition and high risk to XXXX XXXX. I have paid ERC for the XXXX account, XXXX, and XXXX but its still reporting on my credit report and its hurting my credit negatively. Since the accounts have been paid please delete all accounts from all 3 credit bureaus.
Consumer complaint received 2021-06-22
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: Salary Finance Inc (CA)

Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " Salary Finance ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - Salary Finance Inc Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " Salary Finance Inc '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

XXXX.XXXX  - My Driving License XXXX - My XX/XX/2021 Pay check PoliceReportXXXX  -> Police Complain Report filed by us FTC_IDTheftReportXXXX  -> FTC ID Theft Report XXXX.XXXX  -> XXXX  XXXX Report SalaryFinance_MailAndEmailCommunications.pdf XXXX Email Communication between Fraud person and Salary Finance SalaryFinance_LoanAgreement.pdf -> Salary Finance Loan Agreement SalaryFinance_FraudBankAccount.pdf -> Fraud Bank Account for Loan Proof SalaryFinance_DirectDeposit_ACHForm.pdf -> Fraud Person Direct Deposit ACH  form SalaryFinance_XXXX Fraud Claim_Closing.pdf - Salary finance closed the complaint that we raised XXXX_Letter.pdf - Letter sent to XXXX  to remove this entry
Consumer complaint received 2021-06-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Neon Newco Corporation (MS)

My Netspend bank supposed to had sent me a new card. They sent it to another address in New York. The addressee got my card an activated it. An proceeded to withdraw my money from my account. They withdrew XXXX. XXXX from my account. An left me with a negative. I called my bank about this and filed a complaint. They said it would take about 10 business days for them to investigate it. When I called to check on it. They told me it was my fault and negligence on there behalf. Can you please help me get my Social security money back.
Consumer complaint received 2022-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (MN)

XXXX XXXX XXXX  sold supposed debt of {$1100.00} to the current creditor LVNV Funding LLC on XX/XX/XXXX which is a violation according to 15 U.S. Code 1692c ( b ) and also furnished negative remarks on my consumer credit report evidencing a debt which violates 15 U.S. Code 1692e ( 8 ). LVNV Funding LLC then proceeded to contact me via a XXXX XXXX XXXX XXXX XXXX  which violates 15 U.S. Code 1692e ( 3 ) threatening to levy or garnish earnings violating 15 U.S. Code 1692e ( 4 ) on XX/XX/XXXX. All the while the account was disputed and removed on XX/XX/XXXX from XXXX but not from XXXX and XXXX.
Consumer complaint received 2021-06-22
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: AES/PHEAA (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

I applied for a Discover Card with a credit score in the 720s. I am planning on starting a family soon, and I wanted to get a card that I could use for groceries and gas to start building my credit score. I was accepted almost instantly. They sent me the card in the mail. I called in to activate it. The agent said they would activate once they got back an XXXX IRS verification form that he emailed to me. I filled it out and was sent verification that it was completed. Two weeks later, I got an email saying discover closed my account and my credit score could be affected. I checked, and my credit score had gone down to the 680s. I called Discover, and they told me that they sent me two verification forms that they never got back and, as a result, they closed the account. I never received these forms. Ive kept every document ( physical and virtual ) Ive recovered from Discover and these forms are not in there. Additionally, they said an agent told me to upload bank statements. No agent told me any such thing.
Consumer complaint received 2020-07-19
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. (AL)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2021-06-22
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/16 Found out my SunTrust bank in XXXX  XXXX XXXX, Florida had merged with others and because one of my beneficiaries banks at Sun Trust in XXXX, Georgia that was changing to XXXX XXXX  they snagged my account and were getting ready to send it to Georgia. I contacted my bank here and said no I did not want my account moved. They said I had no choice. I said you mean my beneficiaries take precedence over me. 
That makes no sense. Is using a Social Security number like that legal? 
The same thing happened to my aunt. 
It was going to happen on the XXXX. I ran to the bank and closed my accounts. After I closed my account I checked online and had XXXX cents left in one account and XXXX cents left in another. This morning I got emails saying I had two overdrafts. One in each account and owed the bank XXXX on each account and must take care of them immediately or other charges would be added. 
One of these accounts was a savings account.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Midwest Acceptance Corp. (MO)

I co-signed on a vehicle with my wife on XX/XX/XXXX. After always paying on time my vehicle transmission went bad in XXXX of XXXX. After trying to set up payment arrangements to pay vehicle off I was sued and a judgement was filed. The continue to update the debt every month negatively even though its shows as a Charge-off since XX/XX/XXXX.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MI)

Hello, My complaint is in regards to my Apple/Goldman Sachs general credit card. I opened the account in XXXX XXXX XXXX  and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my Apple/Goldman Sachs card. 

Right now, today for instance, according to my XXXX  credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX  balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because Goldman Sachs has not reported correct information. XXXX  says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show Apple/Goldman Sachs has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX  is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at Goldman Sachs at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but Goldman Sachs continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with XXXX they tell me I can not dispute it and that I have to just wait for Goldman Saks to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
Consumer complaint received 2021-10-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Home Loan Center, Inc. (OH)

This is about an illegal advertisement on XXXX with clear RESPA violations. Lending Tree is advertising rates that are not available, not disclosing the terms to get these rates and no NMLS identifier. I found a number to call online and was told when I called in that this rate would cost @ 2 points, I would need a 780+ credit, and 60 % Loan-to-value. None of this is listed on the advertisement.
Consumer complaint received 2021-06-14
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. (NM)

There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.
Consumer complaint received 2021-02-24
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. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (RI)

I made a payment to Chase XXXX over a week ago. Chase took the {$1200.00} from my bank a week ago. They refuse to release the credit for use on my card stating that I paid a large amount and even though they have taken the money they said it can take awhile to apply it to my card for use. I feel that this is stealing and I have never had this problem with any other credit card. They took payment from my account that cleared and Chase is refusing to update and apply the amount to my card.
Consumer complaint received 2021-04-12
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. (MD)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

After trying unsuccessfully for 2 months to pay my credit card balance through the online app and basically being told my bank account doesn't exist or doesn't allow electronic payments ( a total lie, since every one of my other accounts accepts payment from my account ), I mailed a check to USAA on XX/XX/XXXX. On XXXX and XXXX I received collection calls. I told them the check was in the mail but probably would be delayed because of the holiday weekend, my due date isn't until the XXXX so I wasn't worried. Another collection call on the XXXX. Another collection call on XX/XX/XXXX, it had been enough time that they should have gotten the payment by now. I checked with my bank, the check was deposited to USAA on XX/XX/XXXX and the payment went through on XX/XX/XXXX ... So why was I still getting collection calls? I gave them the benefit of the doubt, " maybe it takes a day to show up on the app when you pay by check, '' I said. XX/XX/XXXX another collection call. I checked the USAA app again, still no payment applied to my account. This time I contacted customer service. I was able to submit a " review request '' I gave them the check number, amount of payment, and even submitted a copy of the " lost '' check. XX/XX/XXXX can you guess what I got? Another collection call. I asked the operator if they had found my missing payment yet, " Ok, goodbye, '' was the response I received. Also on XX/XX/XXXX, I received my new statement, which still shows no payment applied, now shows a " past due '' payment and interest on top of it. I'm not about to pay late fees on money they already recieved.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXXXXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXXXXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.