davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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. (NE)

I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully graduated in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called XXXX, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while XXXX states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called XXXX and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called XXXX. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the XXXX XXXX XXXX XXXX is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance $ XXXX- This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-29
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: MoneyLion Inc. (NC)

I recently pulled all 3 of my credit reports on XX/XX/XXXX. I immediately recognized an account that I had no knowledge of whatsoever. On XX/XX/XXXX, MONEYLION INC, added a derogatory mark on my credit report via XXXX, XXXX and XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the companys address being reported under the debt. On XX/XX/XXXX a representative of moneylion by the name of XXXX called me. I let her know I sent the validation letter and through usps certified mail, and got confirmation of receipt on XX/XX/XXXX, XXXX however they had still not responded. She stated that MONEYLION INC does not respond to mail via mail. I asked if she could send me validation through email and she did. Attached were two documents, None of which contained A written signature for them to claim this debt to be mine. A contract or agreement without a WRITTEN signature does not validate a debt, Anyone can type a name in a box  and claim it to be mines. According to the FCRA, MONEYLION INC has  violated my rights as a consumer and I am requesting legal action to remove it from my report completely.
Consumer complaint received 2023-04-07
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. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-03-26
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. (MD)

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 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a purchase with XXXX on XX/XX/2019 for a XXXX XXXX XXXX XXXX for {$270.00}. I received a broken tv and returned it to XXXX. I requested a refund, however, my Bank of America checking account that was used to make the purchased was closed on XX/XX/2019. I informed XXXX, I was told they would get back to me. XXXX sent me an email saying they issued the refund to the closed account on XX/XX/2019. I contacted XXXX and told them I cant get a refund in the account because its closed. I was told to take it up with the bank. Since then I have made countless calls to XXXX and the Bank trying to get my money back. I even went to the Bank physical location about it and I was told that the money is not showing as returned and it would have been automatically rejected and sent back to XXXX because the refund was sent over a week after the account was closed. I went to a XXXX branch and the manager told me its an online order so I have to call corporate. I called XXXX and spoke with supervisors and managers who keep telling me the money was sent to the bank so I have to take it up with the bank. I dont understand how it would be possible for XXXX to send a refund to an account that no longer existed, that makes no sense whatsoever. The bank has provided me with proof showing the account was closed before XXXX did the refund, as such it means the money would still be with XXXX, but XXXX is adamant they didnt get back the money from the bank. I have been trying since XX/XX/XXXX to get my refund and have been getting a run around with both the bank and XXXX. I have even been hung up on. I just want to get my refund.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MI)

I have shown proof of incarceration, providing proof that I was incarcerated during the time the XXXX account was open, but my dispute was denied stating that it was accurate. I was incarcerated from XXXX. My ssn and information was found on the XXXX ( See Attachment ).
Consumer complaint received 2024-11-28
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: BARCLAYS BANK DELAWARE (NV)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Systems International, Inc. (TX)

Credit System International Inc went to calling and Harressing over and Medical Bill collection bill for XXXX XXXX on XX/XX/2020 for the amount of {$360.00} dollars inwhich my XXXX XXXX XXXX XXXX XXXX has denide the billing claim because their Creditor XXXX XXXX has summited the wrong name XXXX XXXX on the billing claim and sent it to Well Med instead of My health Provider XXXX XXXX XXXX verifying the spelling on the billing claim number XXXX. 
Inwhich my Legal Representative XXXX XXXX XXXX XXXX has proof of when they has sent Credit System International Inc and Legal Demand notice to settle Debt collection Harressment claim on XX/XX/2020.
Consumer complaint received 2020-10-29
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: V and H Portfolio (LA)

I have a loan with XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX AXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted Credit Acceptance corporation 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.
Consumer complaint received 2021-03-13
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: CITIBANK, N.A. (WA)

There are 13 fraud charges from uber trips between XXXX on my CITI credit card . I was contacted by CITI fraud department on XX/XX/2021, and I disputed all these charges from XXXX as I didn't use XXXX for months. After several weeks of security investigation, only 12 charges were refunded. 

2 of the 13 charges have same amount {$48.00}, and I only get 1x refund for {$48.00}. So I opened a dispute " unrecognized charge '' on the second {$48.00} on XX/XX/2021. I didn't see any update after 2 weeks, so I called CITI on the beginning of XXXX. The agent heard my story, and confirmed I have 2 fraud charges of same amount, but I only got one refund. She issued a credit of {$48.00}. 

On XX/XX/2021, I got email from CITI said " My dispute has been resolved '' and " view my message ''. But CITI secure message center said I have no message. I also noticed there was a charge of {$48.00} on the card as " reverse uber trip ''. I had no idea what's going on, and called CITI again. The agent said they would investigate. 

Another 3 week passed, nothing happened. On XX/XX/2021 I use live chat to talk to CITI. 
And I finally figured out : 1. My dispute was resolved as " the merchant denied the refund request and you must request the refund directly from the merchant ''.

I explained to the agent my disputed charge is fraud, I don't have any trip under my XXXX account on these days and I got all the rest XXXX trips refunded. Why this one is so special? 

2. Then I learned that " In the case of fraudulent transactions they shouldn't be disputed at the security investigation process is different from the payments disputes process. '' However, CITI website only supports opening dispute as payment dispute. I filed dispute as " Unrecognized charge ''. Customers don't have option to open security investigation, and I clearly stated these are fraud charges in all my calls with CITI. 

3. When I asked the agent how to get refund then, I was told " If you'd like I can refer the second transaction for {$48.00} to the security team to review. However I can't guarantee they will provide a credit for that transaction as it has already been disputed. '' This is so ridiculous, CITI security team missed one fraud transaction first, then later multiple agents were unable to help customer to file the correct dispute, and last customer were told we might not get credit because it was disputed incorrectly? How would customer know all these difference between fraud dispute and payment dispute? We see unrecognized charges, and we dispute it under this reason.