davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (ND)

Fair collection and outsourcing ( FCO ) on XX/XX/year> did reach an agreement to settle the debt owed to XXXXXXXX XXXX XXXX XXXX for the amount of {$840.00} and i did make the payment and they have refused to acknowledge the payment or honor the agreement made. 
i have reached out to them to figure out the issue but they have ignored me. 

NOTE : i did reach out to XXXXXXXX XXXX XXXX XXXX to inform them of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX of 2024 ... and i requested for my SCRA to be applied to my debt before my return from XXXX, and they did not acknowledge my request .... so selling my debt during such time without my notice is also against the law and they have also at the point decided to ignore the payment and the agreement i have reached with the to complete this payment.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I believe I am a victim of identity theft. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on JPMCB CARD from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

Hunter Warfield INC has reported debt under my credit report that I was not notified about nor have knowledge of. 

I request that they provide me with the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

XXXX. ) Swear under penalty of perjury you were present during the alleged debt.
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (VA)

I recently disputed a fraudulent account on my credit report from Acima Bank. I submitted a dispute to have it removed and I received a response from Acima stating " there is not enough evidence to show this lease is not mine '' and I have to submit a police report for them to terminate the lease. Acima NEVER sent me a letter before reporting this on my credit, that is a VIOLATION of the FDCPA. 15 USC 1692g CLEARLY states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of this information was sent. If you claim it was, send proof. Acima has told me that it is my responsibility to prove this alleged debt is not mine when in fact, it is their responsibility to prove it is.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist. 

Credit report registered securities # XXXX security ID reg mail XXXX The debtor will hold possession of the collateral for the secured party 's benefit and accepts as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  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 2022-07-08
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: EQUIFAX, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXXXXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-03-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX BK OF AMER XXXX
Consumer complaint received 2022-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A company called XXXX XXXX  XXXX called me from XXXX attempting to collect a debt I dont owe. They called my mother and gave her information and said they didnt know why they didnt call me and the proceeds to tell me I dont sound like I have an education, didnt graduate high school and needed to go to work to pay my debts. He hung up and Ive tried calling again with just a voicemail option. There were no recordings saying this is an attempt to collect debt or anything. Ive never even had an account with Bank of America!
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valley Collection Service, LLC (AZ)

XXXX XXXX XXXX is reporting a fraudulent account to the XXXX credit bureaus causing harm to my credit files. I did not open the account they are reporting and collecting on. Acct # XXXX is not my account.
Consumer complaint received 2022-07-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I reached out in the past to Equifax regarding my payment history reporting from XXXX XXXX XXXX XXXX  XXXX  was a very challenging year. Covid had a drastic toll on my credit. Arrangements had been made with XXXX XXXX and per the cares act if arrangements had been made the creditor was obligated to report account current. I brought this to equifax attention I noticed they deleted the late payment showing XX/XX/2020. And when I recently reviewed my credit report for this month It shows equifwx reinserted the late payment. Im asking for the late payment from XX/XX/2020 to be removed along with XX/XX/2020 andXXXX in accordance with cares act respectfully XXXX. I sent a letter and its been 30 plus days and equifax has not responded in timeframe. Failure to respond in time frame permits removal of account or correction to payment history
Consumer complaint received 2022-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (MI)

These inquiries are made by companies with whom you have applied for a loan or credit in the past XXXX years. Learn More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/PAYPAL XX/XX/XXXX SYNCB XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries are on my credit report, and I NEVER made any of them. 
I have no acknowledge of these items. I did do a credit freeze and experian did remove them. 

I ONLY opened : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

I have no idea what the rest is, this is fraud and i would like this removed off of my credit report.
Consumer complaint received 2022-01-13
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

I have been receiving a phishing email purporting to be from Equifax. The email had a link in it, which I know Equifax would not use to get me to log in to my account. Also, the bottom of the email lists XXXX rather than their own address. 

I logged in to Equifax to see if they had this same message for me, but they did not, nor could I find this message in my account on the website, nor any information that they would send something like that.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

Refusal of PMI removal due to concern over integrity of home. XXXX of home is a leak that occurred and a insurance claim was filed and paid for. The integrity of the home was not of concern to retain the mortgage or ensure the value of the home remained for mortgage but only matters solely for PMI removal. 

Now that an insurance claim was made on the home in the last 24 months, the integrity of the home has to be proven to remove PMI. This was not a concern for the mortgage itself. There was no follow up from the lender to ensure the repairs were completed at the time of insurance claim, only upon request to remove PMI. XXXX has to be discerned for PMI removal by an appraisal completed by an approved appraisal at the customer 's expense. These additional measures that are above and beyond that of the mortgage company itself convey predatory lending. 

Removal of PMI was requested in XXXX and customer was under the impression that it was removed at that time. Upon auto-pay cancellation or issues in XX/XX/2022, customer located that PMI was still be assessed contrary to that previous understanding.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

Complaint for Chase Credit Card XXXX XXXX Department XXXX XXXX XXXX ) ) Transaction Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Transaction Amount {$6000.00}, XXXX XXXX canceled the reservation XXXX XXXX ) on XX/XX/XXXX I am writing to complain Chase Credit Card unfair action and caused my loss of {$6000.00}. The charge was originally reported by me as a fraud claim back on XX/XX/XXXX, for {$6000.00} charged by XXXX XXXX ( XXXX ). 
On XXXX, I noticed the amount was charged on my credit card again. I called Chase credit card fraud department, and I was told to talk to the merchandise. I called the merchandise, and I was told the package was cancelled on XX/XX/XXXX and I should speak to my credit card company for the credit. I spoke to the XXXX Department supervisor XXXX. On XX/XX/XXXX, I was told that XXXX was able to get the refund {$6000.00} successfully and I should expect the credit in the next billing cycle. Until now, I have not received any credit for the transaction. 
I called on XXXX again and I was told I should expect to receive my credit back soon. I waited till XXXX and still not got any credit for the refund. I called on XX/XX/XXXX, this time I was told to send a dispute letter with the evidence of the merchandises agreement on the cancellation of the package. On XX/XX/XXXX, I called again, and I was told the case was closed and dispute was rejected due to the dispute window was over 60 days. 
I spoke to Dispute supervisor XXXX. He suggested I should submit a dispute letter again so this request can be investigated again. 
From XXXX to XXXX, I have called more than ten times regarding this refund, and I was directed and redirected to different departments. The entire process was totally confused and no one in Chase credit card can give a clear direction on what I should do. The reason the dispute window passed was due to the Fraud department gave the incorrect information that the dispute was successful and the unclear process. The Fraud department should be responsible for this. I have been doing what I was told to do. 
I would take legal action to file a formal complaint to chase credit card. 
I really need your help to get my credit back since I have paid the {$6000.00} to Chase but I did not receive any merchandise.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MI)

The criminal offense of unlawful driving away says I got XXXX XXXXs on my license I havent had my license for 15 years I got it back two weeks ago how can I have points on a license I dont have also there is what seems to be duplicates of the same thing mainly failure to comply it says that ten + times also there is a no proof of insurance that was dismissed that should not on there I was recently at the Secretary of State and I was told my drivers record was like I first got it I am currently on ten months of probation like I was when I got my license when I was XXXX through the Secretary of State