davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NJ)

I looked at my report XXXX of XXXX and noticed some things are incomplete and not accurate. According to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. 

I ask for a reinvestigation of these accounts listed below, XX/XX/XXXX XXXX  XXXX XXXX  # XXXX is a charge off account, The IRS said a cancellation of debt over {$600.00} is considered income and income CAN NOT be reported on my report. Also this is reporting every month as a charge off, and this account was closed XX/XX/XXXX way before it was in charged off. 

XXXX XXXX XXXX  # XXXX account was paid and closed, there are several in accuracies there as well. 

I got the investigation back but noticed nothing was modified or updated, I requested a description of the investigation and they did not provide it to me which violates 15 USC 1681 i ( 7 ).

I asked for the method of validation i.e, certified receipt with my signature, phone conversation, or email giving me proper notification of debt. Also the certification of authenticity of the debt.
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (NC)

XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit report.
Consumer complaint received 2024-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

I received a debt collection letter from you. Do you have the right person? Please supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. 

If you pass this on to another debt collector, please provide them notice of my dispute to owning this debt. Thank you for your immediate cooperation.
Consumer complaint received 2020-07-08
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On Friday XX/XX/year> I noticed multiple transactions on my wellls Fargo online account which I did not make and reported them promptly. 

2 claims were made for these transactions. 

Claim # XXXX for {$550.00} And claim # XXXX for {$170.00}
Consumer complaint received 2024-11-28
Product: Credit 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: CITIBANK, N.A. (NY)

On XX/XX/XXXX a booked a room at a hotel in XXXX XXXX, XXXX XXXX. Two days later, the hotel charged me a second time for the same room. I contacted both the hotel and the credit card company to indicate that I had been incorrectly charged twice for the same hotel room. After many, many calls to the credit card company and the hotel, the credit card company ended up reversing both charges in XXXX, but then reversed the credit in XXXX charging me for the room, although I had cancelled the reservation due to all of the issues I was having. In talking to the hotel, they said they would be happy to cancel the reservation or issue a refund, but that they never received the payment from Citibank. Citibank can not seem to understand that I should not be charged for the hotel stay because the reservation was cancelled. They insisted that I pay the charge in my XXXX statement and that they would issue a credit when the issue was resolved. I recently received a letter from Citibank stating that the issue was resolved and that I would NOT be receiving the credit, even though I didn't stay there and the hotel never received a payment from Citibank.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

For many years, I have been unable to login to Equifax. I can not see my Equifax credit report, and more importantly, I can not create and manage a freeze of my equifax credit report. 

XX/XX/year>, I was told that I can not create a new account because I already have an account, and I was told to sign in, and click to reset my password. When I tried to reset my password, I was told, We are temporarily unable to complete this request. Please try again later. 

XX/XX/year>, I had the same experience. I could not sign in, with Equifax saying that my email/password was wrong. Then I tried to create an account, and was told there was already an account for that email address. I was prompted to sign in again. Then I was told to leave and come back later. 

The problem is that I can not see my Equifax credit report, and more importantly, I can not create and manage a freeze of my equifax credit report.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX   XXXX {$15000.00} XXXX  XXXX {$950.00}
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Form XXXX ( Cancellation of Debt ) Dear CITICARDS CBNA, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$5400.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2020-07-08
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. (MI)

On or about XX/XX/2020, a scammer used a Chase credit card in my name at a number of retailers in the XXXX, Michigan area. I live in XXXX XXXX, MI, 75 miles away and have been in Quarintine at my home since XX/XX/2020. I was able to retrieve receipts from XXXX via telephone and email that shows the largest purchase was done by a XXXX XXXX for {$6300.00}. JP Morgan Chase has refused to honor my complaint or properly investigate my dispute and have thereby left the charges on my card causing potential financial harm to me. They actually downright declined my claim without having properly investigated the charges. I never received the card and have been a repeated victim of id theft and fraud due to a number of data breaches including XXXX  and XXXX. I have ID Theft protection but this has somehow gotten past them as well.
Consumer complaint received 2024-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (CA)

On XX/XX/XXXX, I discovered my identity had been stolen. My credit reports showed that a car loan for {$42000.00} was opened with Credit Acceptance Corp on XX/XX/XXXX. The XXXX  purchased a XXXX XXXX at XXXX XXXX XXXXXXXX in XXXX XXXX using my social security number. I have never authorized anyone to use my social security number to buy a XXXX XXXX. I have never been to XXXX XXXX XXXX. On XX/XX/XXXX, I filed a police report with the XXXX XXXX Police Department ( case # XXXX ) and a report with the Federal Trade Commission. I froze all my accounts and put fraud alerts on all accounts. On XX/XX/XXXX, I called Credit Acceptance Corp ( car loan company ) to inform them about the identity theft and dispute the loan. Per their request, I emailed them several documents, including the FTC report, my signature on a piece of paper, my signed social security card, and my driver 's license. On XX/XX/XXXX, I received documents from XXXX  XXXX XXXX ( dealership ) which included a copy of my driver 's license ( please see attached file called XXXX XXXX ). I have no idea how the XXXX  got my driver 's license. I never gave anyone my driver 's license nor authorized anyone to use my driver 's license. The documents were strange because there was variation in names, addresses, and dates. I subsequently filed reports with the DMV, post office, and FBI. On XX/XX/XXXX, I received a call from Credit Acceptance Corp, who stated that they had " concluded their investigation '' and found me " fully responsible for the loan. '' I have several witnesses to my whereabouts on XX/XX/XXXX who are happy to provide witness affidavits. However, Credit Acceptance Corp does not accept witness statements. The XXXX  tried to set up various accounts and get loans in other places but were unsuccessful.
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

MOHELA hasn't processed my IDR plan since XX/XX/year>. I keep getting outrageous payment due amounts which exceed half of my take home pay. I have received administrative forbearance a few times while they " process my paperwork '' but when are they ever going to do it? I submitted my IDR information starting in XX/XX/year> and didn't get any updated payment, and then submitted again two or three times. The last one on record is early XXXX. What is going on? I thought MOHELA had received instructions to correct the delays.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (LA)

XXXX had a data breach it was last year me and my wife go to shop for a house we go to check my credit and I recognize all these different charges from different companies and att had a data breach that gave away my information like name email ssn social and address I tried to dispute this but the companies won't work with me the companies are all online so none in store like XXXX {$1300.00} XXXX  XXXX {$1200.00} XXXX XXXX  {$1000.00} XXXX XXXX {$3500.00} XXXX {$1000.00} i am currently disputing these items but they keep coming back on all three burues i am a victim of identity theft and this is holding up my whole life and family life
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (CO)

I am a former customer of XXXX XXXX, subsidy of XXXX XXXX. I purchased internet service from XXXX and leased a modem from the company. I disconnected the service XX/XX/XXXX ; paid the final bill ; and returned the company modem to XXXX 's XXXX, Texas location as directed by the company. 

XX/XX/XXXX I received a bill from XXXX regarding a balance due of {$82.00} for the 'unreturned ' modem equipment. I responded by advising my account is paid in full and the equipment was returned to the company as directed by the company and provided proof of delivery to and receipt by the company in the XXXX, Texas location. Later in XX/XX/XXXX, I received a collection letter for the account balance from XXXX XXXX XXXX. I responded to the collection agency with the same information I provided to XXXX including copies of the proof of equipment return. Although I requested written confirmation of my statement and more importantly, removal of the negative information falsely reported to the credit reporting agencies and codified on my report ; I did not receive any confirmation from XXXX nor their collection agency and presumed the matter closed. 

XX/XX/XXXX I received a new collection letter from a different collection agency demanding the same amount for the same reason. I have responded to the collection agency with the same information and proof false claims made by XXXX. XXXX XXXX dba XXXX XXXX has filed two false and fraudulent claims against me. Research has concluded that this fraudulent practice is very commonplace by the company and my complaint is far from being a lone complaint.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification to Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX, Comenity Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I used a in store credit card only once. I had a {$32.00} balance, I never got a statement so I incurred a {$27.00}. I called and got the late fee waived, and paid the balance in full. I just received a bill that stated I had a XXXX cent balance, and now I just got another bill that shows {$1.00} with a {$1.00} service fee. I tried to close the account but could not get anyone on the phone to help me. 
I am afraid they will just keep the account open to charge more fees. 

I want to close out the account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-07-08
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. (TX)

Equifax ; XXXX  and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (FL)

I have been trying to work with Experian for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and Experian refused multiple times to completely BLOCK the XXXX XXXX  Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.