davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.
Consumer complaint received 2019-02-23
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: STATE FARM BANK, FSB (TX)

On XX/XX/XXXX an autoloan with State Farm bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN : XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to DMV and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted State FarmBank and disputed this loan as well, I was in contact with an Investigator-State Farm Bank Financial Crimes, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on  XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called XXXX  and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XXXX, XXXX.
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

According to my credit report on XXXX, based on my XXXX  credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as CITIBANK has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Consumer complaint received 2023-06-02
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)

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXXXXXX 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 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 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 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 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. ()

I have been paying off my mortgage to XXXX, that was like a subsidiary of XXXX XXXX, the original provider. (One of the attachments shows a record of the disputed first 6 months of the year. Each month two of the above names appear,) From about the beginning of the year  Chase was nagging me to make mortgage payments to THEM, I sent several letters explaining that their demands are senseless, but they would not listen.(there was no authorization from the mortgage collector to switch.) They are threatening with foreclosure. They have ruined my credit rating and prevented me from getting a loan. In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to Chase. They accepted XX/XX/XXXX payment, rejected XX/XX/XXXX and have not provided further guidance. There is a person in Executive Branch looking at my case, but it is a long look and I can't find her details now. The relationship manager is XXXX XXXX, atXXXX XXXX. They keep acting as if I had no money to pay. This is not the case, I simply don't want to pay twice. I have written to XXXX, appealing to repay all money owing, if any, to Chase.
Consumer complaint received 2019-11-18
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. (FL)

XXXX, Equifax and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1000.00}.
Consumer complaint received 2020-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've disputed this issue with this credit card. It is showing as if it is still open and active. I see last payment is 2017 of XXXX. I did not open this account and have not been sent a copy of original contract with my signature or anything. Now I've been patient with this company. The total of the card is almost {$2000.00} but it is saying right now I've used up {$1300.00}. I need this issue to be addressed. If someone has this card is using it, it is in my name and on my credit report with this account being open.
Consumer complaint received 2019-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (FL)

XXXX XXXX XXXX is the name on one credit file and XXXX XXXX is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?
Consumer complaint received 2019-08-08
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. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I logged into Transunion 's online dispute service to submit a new dispute. However, when I logged in I was taken to a page that only showed my old dispute. On this page, there is a sentence, " To submit a new investigation, click on the New Investigation link above. '' But there is no link above. I attempted to call their tech support number XXXX and was disconnected after approximately four minutes. I then called the general support number XXXX and was likewise disconnected after approximately four minutes. Transunion needs to either fix their website and phone numbers so that consumers can contact them and dispute erroneous information or be shut down by the Federal Government. I never authorized Transunion to hold my personal information in perpetuity. I have no privity of contract with them, and yet they lord this information over my head and do absolutely nothing to resolve discrepancies.
Consumer complaint received 2020-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (FL)

I have never been late on the Heloc account and the servicing company knows this. BB & T filed a lawsuit claiming that a default occur when i never did. The note expired and is the reason for the lawsuit. Before the note came to its maturity date, I applied for a loan modification to extend credit. BB & T failed to process the request by claiming that due to the foreclosure loss mitigation was not an option. We disagree with BB & T lending practices. All servicing companies participate in the loss mitigation program specially in the State of Florida, a judicial state. in fact, millions of loans have been modified while on foreclosure. A few days ago i spend 5 hours on the phone with BB & T requesting contact and fax number to the loss mitigation department. I was transferred to more than 9 customer service individuals. None of them were able to provide any information.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. Experian, XXXX  and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at Experian. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. Experian sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cypress Collections (CA)

Cypress Collections Professional Collection Agency XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Reference # XXXX Client # XXXX Thank you for your inquiry. I do in fact dispute the claim of {$120.00} plus the additional interest that was erroneously billed to me and certainly, your threats to damage my credit worthiness. 

I am a Veteran under the care of the Veterans Administration at XXXX XXXX. I have communicated with Doctors on Duty and have told them that their claim needs to be filed with the Veterans Administration. I also told Doctors on Duty that I would talk to the VA regarding the erroneous billing for my approved office visit. I talked to my primary care doctor at the VA and was told that there is a record of an authorized request for medical service on XX/XX/XXXX. Initially I told this to Doctors on Duty bookeeper. I clearly told the Doctors on Duty staff that the VA sent me and that I needed to be evaluated for XXXX because of XXXX XXXX and that I was a veteran. The reason for this going to collection is clearly not my doing. It is in fact Doctors on Duty responsibility to bill the VA as per their contract ( a requirement that they did not do ) Embroiling me in their mishap with a threat of affecting my credit worthiness is disturbing at best. 

I have contacted the Community Provider division of VA and have filed an Adverse Credit Report - XXXX. Cypress Collection as well as Doctors on Duty have been notified to cease and desist their illegal claim. If in fact my credit worthiness is affected, I will sue for defamation of character and elder abuse of an ailing veteran. 

I am willing to pursue a course of action against both Doctors on Duty and Cypress if this persists any longer. I defended my country with dignity and courage and expect respect and thanks for my service, rather than being threatened and abused by Doctors on Duty and Cypress Collections. 

Thank You XXXX cc : FTC www.ftc.gov cc : Senator XXXX XXXX
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (NJ)

I recieved a collection letter from perfection collection for the amount of {$3900.00}. I called the agency and explained that the debt was not mine. I made a police report, and disputed the claims with the credit bureau and had no success in rectifying the case. The debt is for a security system installed on a residence in XXXX. I don't know of anyone in XXXX. I live in XXXX XXXX, I have exhausted every option to rectify the situation, I even called XXXX and opened an account with the expectation of resolving this problem. The only other option that I have is to contact a lawyer, but u dont have the money for that. Please if you can assist me with this problem I will greatly appreciate it.
Consumer complaint received 2019-11-18
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: First Data Corporation (TN)

hello, my name is XXXX XXXX. in regards to this complaint, Ive been deposited a check from my new job at XXXX. The balance was XXXX on XX/XX/2019. Ive made several transactions, over the past few days. Ive done the math from all the transactions. I should have {$62.00} left in my account. please look into this i would like a refund of my money im unsure why it says i have XXXX balance. ive tried spending money for gas and my card declined. This highly upsets me, please help me resolve this quickly as possible. thank you for your time. This is my first time using a pay card ive never had something like this happen before. have a nice day.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

First of all I have been having to fight with them over a year now on specifically thes3 two creditors XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX XXXX. LIKEWISE THE KEEP ALLOWING UNAUTHORIZED ACCES TO MY CREDIT REPORT AND POSTING UNAUTHORIZED/non permissible purpose inquires onto my report all hurting my credit score and causing my financial stress and d3cline of credit. 

In reference to both remaining collection accounts, I have sent numerous letters XXXX XXXX XXXX and XXXX XXXX/XXXX  - validation letters and eventually lawsuit letters For violating federal law, FDCPA, numerous violations. XXXX refuses to respond. XXXX has admitted they can not find a signd agreement and have no such agreement, contract or debt signature bearing my signature and therefore can not verify or validate said accounts according per FTC guidelines oe required under law. As such both XXXX and XXXX ha e removed these from their credit reports as allegged accounts cannor be validated or properly verified per law and the FTC. Yet after telling Transunion this, communicating that these entities can not and did verify and validate these alleged accounts bor did they have the becessary documentation via signed contract or agreement bearing my signature thry continue to report this. Likewise, i sent them copies of letters i have sent via certified mail and fax to these entities as well as copies of letters to themselves and the Consumer Finance Protection Bueau complaint and responses where thry admit not being able to find an account, Transunion contiinues to post these two bogus, fraudulent entries into my report causing me credit issus and deflated credit score Another continued issue is the illegal reporting of unauthorized credit hard inquiries on my report. Not only are there ones they have been notified and inaccurate and disputed numerous times with themdling nothing, they now have allowed more as of XX/XX/2019 to occur and report that I did not authorize and that do. Not have my permission. I have called each of these once i found there by my credit monitoring and were told they can not provide me my authorization or application with my signature or approval one that did not fit but just showed up is XXXX, XXXX XXXX XXXX XXXX that I did not apply to