davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Payment {$9900.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$5600.00}
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (KS)

I was issued wage garnishment on XX/XX/XXXX by Crown Asset Mgmt LLC for 25 % of my wages on a debt that isn't mine. When I tried to contact the company, they didn't even have any of my current info, I had to give it to them to get the info on my debt. Then I was told that I was supposedly served court documents in XXXX at an address that I was no longer residing at. I have been at my current address for 3 years. They could not tell me who they served the court documents to. I never once received any letters, or phone calls. No attempts to contact me directly at all. This debt has never shown up on my credit. By the time I found out about the garnishment, it had already gone through, and they have started taking the 25 % starting XX/XX/XXXX. How is this legal and how can I stop this and get my money back?!
Consumer complaint received 2023-10-22
Product: Credit reporting 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. 

XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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.

15 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 2023-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have gave ALL parties 2 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay alleged debt. This account have been removed and furnished back on my reports with no communication. 15 USC 1692. Following parties have violated my rights and with the help of CFPB I will seek damages. I demand account be deleted from all reports IMMEDIATELY!! Please see attachment 18 USC 8
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (MO)

some repair company I paid was trying to fix my credit I did not advise them they could open up accounts in my name and I came to find that an account by XXXX XXXX was on my credit report via fraud the company I paid {$2800.00} did nothing but added this company and didn't pay the bill for this is fraud and I want this fraud removed from my account
Consumer complaint received 2024-03-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

Ive contact the company who is reporting this debt on my credit they agreed to remove this this debt isnt mines Im not aware of this I dont owe any money this is hurting my credit and Ive ask for this to be removed Im also looking to get attorney because Ive been fighting this over a year nothing have been done about this this is false I went to that company that says I owe them and everytime I request for my paperwork they say tell whoever needs it to call them they want give me my own information so I had to call corporate on that office Im really fighting and now someone needs to do something this isnt my info this isnt my debt I really want this off my credit by law if nothing is proven it have to be removed from my credit report and they cant prove it nor do they supposed to sale my personal information I can get my lawyer involved and this is reporting inaccurate
Consumer complaint received 2023-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (MS)

Regional Finance continues to attempt to collect an alleged debt after being put on notice via certified mail and the cfpb. This entity is causing emotional damage to my well being. This entity continues to furnish an alleged debt after being put on notice of my right to opt out of the sharing of my non public personal information. Regional Finance is ruining my general reputation. I have requested verification of the alleged debt and none has been provided. I have requested the original creditor name and address and it has not been provided. A copy of a judgement against me has not been provided either. This alleged debt has been in dispute since XX/XX/2022.
Consumer complaint received 2023-10-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

I did get did not give any -written permission for these accounts to be published on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / account deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent ACCOUNTS on my XXXX XXXX credit report THERE ARE JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY! 

Ive submitted proof of Identification card, Social Security card proof of address and FTC report.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (FL)

I asked the XXXX XXXX  company to correct the problem but they don't do it, they have awarded me a double invoice, they have created two debts with different amounts and I have only bought a washing machine with a vacuum cleaner and on top of that they are in poor condition and they do not solve the problem yet. 

In my XXXX XXXX record there is double debt, two bills, one for {$1800.00} and another for {$1600.00}, the total being {$3400.00}, when the sum of my purchase was much lower. 

Since this purchase at XXXX XXXX, several entities have used my information without permission and have deteriorated my credit record.
Consumer complaint received 2023-10-22
Product: Credit 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: AMERICAN EXPRESS COMPANY (HI)

Card was used on XXXX to make $ XXXX in fraud purchases. XXXX confirmed the fraud and told me I have to charge back through Amex. Submitted a fraud claim with Amex. Amex refused the fraud claim, they said that XXXX said the goods were shipped to me, but they won't let me see any evidence, they won't tell me what was shipped, they won't share tracking information, and I know that these goods were not shipped to me. In processing the claim, Amex doubled the fraud. They charged me twice for each fraudulent charge.
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

Hello, I am aware I have a XXXX XXXX XXXX XXXX & I understand how that works/means ... for my XXXX XXXX XXXX XXXX XXXX I have paid my monthly payments early since day 1 to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXXXXXX  payment on XX/XX/XXXX which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXX this payment in the amount of {$180.00} was paid online and scheduled as the XX/XX/XXXX Payment. I then paid my XX/XX/XXXX payment on XX/XX/XXXX again I am paying early to decrease the amount of interest I pay over the full term of the loan. 

Santander applied the XX/XX/XXXX monies received as a interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXX payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended ( or refund me directly so that I can remit again as a regular payment when due to receive proper credit ) and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 1 month ahead in my payment obligation. Please help I do not have XXXX to just give away and not receive any benefit of my hard earned $ when I am paid ahead... I am a XXXX XXXX and do not see how this is fair... This seems Predatory how can they charge additional interest when they received benefit of my payments early where is my benefit I did not see any Prepayment penalties disclosure in my contract. Any assistance you can provide is greatly appreciated... Thank you
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Recovery Services, LLC (OH)

In XXXX i notice an item on my report, that did not belong to me. on several occasions i have tried to submit disputes, written letter and shown proof this in not my information. I have attempted to contact debt collector as information is not mines, letting them know someone has stolen my identity, file all police report and submitted with the FTC. all 3 credit bureaus have been asked to remove information regarding XXXX XXXX of {$1200.00} and Absolute Recovery Services in the amount of {$4200.00}. As, according to the FCRA section 605B it is illegal to report information without my permission and it need to be remove as its not mine information.
Consumer complaint received 2023-10-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My account and card was repeatedly hacked for the past few years. Most recently {$2800.00} stolen from my account. After I had it frozen and new card sent because I was told someone was tyring to hack it and called not being able to say my name properly. Clearly the information was not relayed to the agent that allowed a person to change my email and wire XXXX XXXX XXXX XXXX 

This last one took weeks for me to get the funds back and was told they could not promise me they would get the funds back. I was totally stressed, unable to pay for my daughter 's after school activities, was behind on rent and charged, car payments bounced. 

I have had probably 6 cards in the past 3 years. Every time I got a deposit my card got hacked and I would have to wait for this to be fixed and/or new card. 

It was extremely stressful probably cost me over a few XXXX XXXX  or more in fees for bounced payments for rent and bills. Caused me to. miss deadlines, unable to pay for gas and utilities causing me to cancel important apts. 

I dom't understand how my account could be hacked that many times and how they were not able to fix the matter. The indivicual ( s ) clearly knew when I was getting a deposit and that to me shows a big issue with Bof A security and privacy policies and system.
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to report a dispute regarding inaccurate information on my credit report, which I initially brought to TransUnion 's attention on XX/XX/XXXX. To date, I have not received a response from TransUnion regarding this matter. The inaccurate information pertains to the following account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (MD)

This is such an unbelievably simple situation that I am flabbergasted that I've had to file a CFPB complaint after 5 calendar days of trying to get the most basic information. 


XX/XX/year> - I sent an email stating that I received an email from Rocket Mortgage saying that there are delinquent taxes, I ask for a copy of the letter with the information or information about what agency is stating there are delinquent taxes XX/XX/year> - Receive email from a representative named " XXXX '', this is clearly a chatbot and provides zero information about the letter that Rocket Mortgage claims to have sent XX/XX/year> - XXXX respond asking for a copy of the letter XX/XX/year> - I get a response saying they " have uploaded a copy of the Delinquent Tax Notice for your review under the Documents tab '' I check and it is naturally not there. I immediately respond with a screenshot showing that this document does not exist. 
XX/XX/year> - No response from Rocket Mortgage, to date no letter has been received by mail either XX/XX/year> - Double check documents tab again, still not there. 
XX/XX/year> - File a CFPB complaint because this is absolutely ridiculous.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AZ)

In a letter dated XX/XX/XXXX, MOHELA XXXX A Department of Education Servicer for Federal StudentAid, An OFFICE of the U.S. DEPARTMENT of EDUCATION, informed me via email that the Biden-Harris Administration had forgiven my federal student loan ( s ) in full as of XX/XX/XXXX. And, MOHELA has notified, or will notify by the end of that month ( XX/XX/XXXX ) all national credit bureaus of your student loan forgiveness. This has not yet occurred. Even after disputing the information and providing a copy of the forgiveness letter, all 3 of the major credit reporting bureaus still show the account as active with a balance.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX XXXX I created a payment XXXX while logged into my Chase Business Complete Checking account. The product is described on Chase Business Website as " Chase Quick Accept '' the further requirements are that you " Must Be A Chase Business Customer ''. I signed up for the account, created secure payment gateway and sent it to my client. The total paid on that day by my client via XXXX credit card was {$5100.00} XXXX XXXX. He text me that they payment was completed and I received a conformation email from Chase. 

I waited a few days as my account was running low, and in anticipation of that money I went on with business as usual taking care of other things. I called Chase on XX/XX/2023 and they could not find the account. 

Once the weekend came, XX/XX/2023 I went into the nearest my home. It was then I spoke to the manager and he explained to me that he did not have a merchant account for me. I let him know that I created the account, showed proof, detailing an email received with the chase letterhead once the payment was processed ( I can share this with you all as well ) He called a special internal customer line and found that Chase Quick Accept was actually done through a third party owned by their parent company JP Morgan. That third party is XXXX and they have been a night mare to deal with. Once I spoke with bank manager at chase, he let me know that my account had been closed and that XXXX  would be holding my money because of suspected fraud. 

Upon returning home on XXXX XX/XX/2023 I was instructed to send an email to XXXX  merchant appeals and I did just that. The email included personal business documents, snapshots of email exchanged with clients, and text messages between my client and I detailing that the payment was made. After giving XXXX what they wanted to prove that I have a legitimate business. They declined to send me my money and indicated that it would be held for 180 days. 

Their decision further impacted how able to conduct business, Chase who is advertising this product continued to collect overdraft fees when my account went into the negative balance. I'm now left without this additional means of income, which will allow me to provide services, pay employees and grow my business. I've read mutiple cases where this is a common business practice for wepay.com They have had over XXXX complaints in the past 12 months.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I requested an investigation with ChexSystems regarding my negative reporting on XXXX XXXX XXXX XXXX XXXX. I have never received a bank statement or any account information from this institution regarding my account status or balance in years. I have not received any correspondence from this company in years as well. I would like this information corrected due to this. No information has been provided to me on this account in years.