davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated during the time in question ( XX/XX/2019 ). Notably, the approval did not occur until XX/XX/2019, nonetheless, I was approved for backdated the Administrative Forbearance from XXXX XXXXThus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance from XXXX XX/XX/2019. I had to apply for Administrative Forbearance and my application took time to process, however, my application was ultimately approved on XX/XX/2019, which included a backdated Administrative Forbearance from XXXX XX/XX/2019. The credit reporting agencies have accepted the response form the creditor that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by a correspondence from the creditor, which is attached, and no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. It can not be said that an Administrative Forbearance was not effective in XX/XX/2019 when all XXXX ( XXXX ) delinquencies occurred, by the very language of the correspondence received from the creditor. Thus, all credit reporting agencies have completely disregarded the evidence I have submitted clearly proving the Administrative Forbearance was backdated and effective during XX/XX/2019, while accepting the creditor 's factually deficient and legally incorrect statements that payment was " late '' in XX/XX/2019 during a time that I was provably in Administrative Forbearance. 

In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

Clicked on a XXXX XXXX advertisement for XXXX, which is a fake company. They got my debit card number during checkout and then PayPal popped up and I sent the money. Noted foreign language and realized probably not a legitimate company. Disputed with PayPal and canceled debit card through bank.
Consumer complaint received 2022-07-21
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. (TN)

accounts should be deleted per the company 's request. both XXXX XXXX XXXX  and XXXX accounts listed on my equifax report were requested by the company to be deleted. I have the proof from each of the companies. equifax has not deleted the accounts as of yet. See the attached forms below.
Consumer complaint received 2022-07-21
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I previously submitted a complaint regarding this matter and I thought that the Credit Bureuas already took action due to the letters I have been sending. As of now, I am submitting this complaint once again in hopes that the Credit Bureaus would take proper action and have the following inquiries removed as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

The address : XXXX, Fl XXXX I have never lived at, visited or otherwise have any knowledge of This address except to say we heard that our account was in fact hacked from XXXX And they attempted to have all new credit, cards in my name delivered to this address. Some time ago..
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. XXXX Account numberXXXX Unverified account 2.XXXX Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over XXXX days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail
Consumer complaint received 2017-03-05
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT)

I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. 
I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. 
Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. 
Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.
Consumer complaint received 2016-05-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2016 I mailed a RESPA Qualified Written Request to Chase ( XXXX ) in XXXX Ohio. The letter ( with a copy of the original application form ) was a follow up to correspondence from Chase which included a copy of a loan application with a number ending in XXXX. The application also referenced and entity XXXX ( XXXX ) in connection with the same number ending in XXXX. Our letter sent XXXX XXXX, made the following request : " Please provide the XXXX number for the herein referenced APPLICATION for a Chase Home Equity Line of Credit. To date no acknowledgement or response has been received from Chase in regard to this request for information pursuant to RESPA 12 USC 2605 ( e ). Our correspondence was sent via US Postal Service with the tracking number XXXX and was delivered according to the USPS website on XXXX XXXX, 2016 at XXXX XXXX in XXXX, OH XXXX.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc. (CA)

On XXXX last year, I had requested for balance transfer {$1700.00} from XXXX CARDS ( Card Services ) to COMENITY -Total Rewards Visa Card as you will see at the attachment FCC XXXX ( XXXX ). But it does not go through until now. I did contact Customer Services at XXXX CARDS ( Card Services ), and they told me that they never receive any check with the amount {$1700.00} from COMENITY-Total Rewards Visa Card as attachments FCC 001 ( XXXX TO XXXX ) from XX/XX/XXXX to XX/XX/XXXX. I did contact Customer Services at COMENITY-Total Rewards Visa Card at XXXX, and talked to a lot of persons, such as : XXXX, she is Supervisor of Resolution Dept., and her ID # XXXX on XX/XX/XXXX at XXXX PM ( PST ). Next, XXXX, her ID # XXXX at Customer Care Dept. on XX/XX/XXXX at XXXX ( XXXX ). Last, XXXX, her ID # XXXX, she is the Account Manager on XX/XX/XXXX at XXXX ( XXXX ) .Both of them understood the problem, and they told me that they will ask Customer Care Team to dispute or stop the amount {$1700.00}, and credit back to my account plus {$17.00} for transaction fee, total amount should be credited back to my account is {$1700.00}. But this person, XXXX, who is XXXX Representative at Customer Care Team did not understand, or did not want to credit back to my account, he sent me a lot of letter, and tried to confuse me by linking to other amount as you will see at the attachment FCC 001 ( 5 ). I did not ask them to dispute or stop {$1700.00} to XXXX as attachment FCC 001 ( 6 ). The corrected remaining balance should be {$1500.00} after crediting {$1700.00} plus {$99.00} ( XXXX payments from XX/XX/XXXX to XX/XX/XXXX ). It is not {$3400.00} as attachment FCC 001 ( 7 ). I am very frustrated about this COMENITY-Total Rewards Visa Card. Please help to me solve this matter. 

Regards, XXXX
Consumer complaint received 2016-05-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

ISSUE : 1. Chase bank without authorization opened an impound/escrow account alleging that they received notice by the XXXX XXXX Tax Collector that my property taxes were delinquent AND CLAIMS TO HAVE PAID MY TAXES. ( NO SUCH NOTICE OCCURRED BY THE XXXX TAX COLLECTOR- I contacted them and confirmed a. that NEVER were taxes late b. They stated they would n't send such a notice to the LENDER if they had been and XXXX Confirmed MY checks received ON TIME/check numbers -XXXX Tax Coll AFFIRMS pmnts were made on time and in full ) 2. Chase claims to have paid my property taxes that they claim were late. 3. Ensuing mortgage bills included impound charges and late fees- I continued to pay IN FULL, as always and without exception, my regular principle and interest payment in full, on time, every month ( I DID NOT PAY THE ADDITIONAL BALANCES CHASE STATED I OWED PER THEIR ERROR ). 4. Chase now claims that my account is in deficiency, has adversely reported to Credit bureaus, and threatens foreclosure. 
FACTS INDISPUTABLE : My credit is over XXXX, perfect, flawless. I CROSS VERIFIED /CONFIRMED with my bank and with the XXXX XXXX Tax Collector the XXXX 1. my taxes were never late and PAID IN FULL ON TIME copies of checks verified XXXX. 2. XXXX Tax Coll NEVER received pmnt from Chase as claimed by chase, 3.. there is NO surplus balance reflecing on my XXXX Tax bill ( source : XXXX Tax Coll ) reflecting double pmnt 4.. XXXX has verified MY CHECKS by check number as the pmnts received cross ref w my bank- XXXX NEVER received Chase check as chase alleges. 
CURRENT STATUS : 1. I have contacted chase at least 8+ times over 8+ weeks, most calls over 1hour+ and they have NOT resolved the problem or damage to my credit and account- although they have acknowledged the mess ( only more recently ) not fixed it, nor have the corrected my billing statements- 2. I continue to pay the CORRECT amount of principle/interest monthly payment in full and on time every month. 3. I am being damaged professionally and personally because I now have adverse credit- Including IMMEDIATE urgency to purchase/rent property transaction where credit check is part of qualification - due to my credit damage to this negligence by chase and poss fraud, my life is upside down. THEY ARE HORRIBLE, HAVE NOW ADMITTED FAULT BUT STILL ARE NOT CORRECTING THE ISSUE.
Consumer complaint received 2015-08-24
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Velocity Portfolio Group (MI)

I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who Velocity Investment llc never heard of them. I had an auto account with XXXX XXXX XXXX. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. XXXX sold them this account. I do n't want to communicate with Velocity or their representation lawyers either. I want XXXX to communicate with me about any debts that they feel I owe them. I sent a letter to Velocity and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with Velocity or their lawyers.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

I opened a Citigold checking account with Citi Bank in XXXX XXXX with a promotion code entitling me an account opening bonus of XXXX Thank You Points. My eligibility of the promotion was confirmed both by phone call and security message from Citi Customer service, promising crediting the points in XXXX XXXX. However, Citi bank now denies my eligible points saying that I am not eligible. I have proofs from the account opening and early communication to Citi Bank to show that I am indeed eligible.
Consumer complaint received 2016-05-31
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: CCS Financial Services, Inc. (NJ)

An account was opened with progressive for auto insurance. The price was quoted and the policy was started. When the next payment was due the bill was for nearly double what it was supposed to have been due to some other information that was found on my driving record. No correspondence was made to let me know if this discrepancy and it was only after I received the bill that I found out and made the call to progressive myself to inquire. At which time I requested the policy to be stopped because of a misrepresentation of costs. Had they properly researched or communicated with me the discrepancy would have been caught early on before {$250.00} in unagreed upon charges were made.
Consumer complaint received 2022-09-02
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. (MI)

To Whomever Concerned Please Please understand that XXXX has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. XXXX  claim an account using my personal information was opened online. In XX/XX/XXXX XXXX claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that XXXX  has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX  XXXX. Again without any permissible purpose. XXXX- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXXXXXX XXXX XXXX IS CLAIMING THAT XXXX  HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT XXXX  IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.
Consumer complaint received 2016-10-01
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (VA)

On the morning of XXXX XXXX my son XXXX XXXX ( a student at XXXX ) received a call fro someone claiming they were from the FBI. The scammer used many threats to scare my son into going to XXXX and XXXX XXXX to purchase XXXX cards. 
In the beginning XXXX used his Wells Fargo debit card to purchase these cards to the value {$1700.00}. at XXXX. A purchase he would never normally make. 
Later XXXX was told to go to XXXX XXXX to again purchase XXXX cards to the value of {>= $1,000,000}. This time he had to use a credit card because his savings account was now empty. 
We have fought with XXXX and eventually had our money returned because this was fraud. 
My question is, do we have any come back with the debit card purchase of {$170000.00} that XXXX was forced to make at XXXX. 
This was all the money XXXX had in his savings account. 
We have all of our accounts at Wells Fargo.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (GA)

Back in 2021, I received multiple pre approvals from credit karma then they did hard inquiries bringing my score down when I was diligently trying to raise my scores and improve my credit. 
They would say " excellent odds '', and your pre approved, then I would be denied. 
I didn't know I could actually file a complaint against them.
Consumer complaint received 2023-06-19
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. (NY)

If, upon completion of your investigation, you find that any of the disputed items are inaccurate, incomplete, or unverifiable, I request their immediate removal from my credit report. Furthermore, I ask that you provide me with an updated and corrected copy of my credit report once the necessary revisions have been made. 

I have enclosed copies of the relevant documents and supporting evidence that substantiate my claims. Should you require any additional information or supporting materials, please inform me promptly. I appreciate your attention to this matter and anticipate your prompt action to rectify the inaccuracies on my credit report. I trust that, in doing so, you will ensure fairness, accuracy, and compliance with the applicable laws governing credit reporting. 

Thank you for your cooperation and prompt response. 

XXXX XXXX