davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (IN)

I reached out to Regional Acceptance Corporation on XX/XX/2020 by certified mail. The context of my letter stated that there was incorrect reporting to the credit bureaus under my social security number. I asked them to verify that the account was mine and to send verifications to me within 30 days. The company sent out a statement on XX/XX/2020 from a XXXX XXXX but did not verify that the account was mine. I sent out a 2nd letter on XX/XX/2020. The context of this letter stated that I needed verification that the account was mine. Again, they sent the same letter on XX/XX/2020, with no verification, just a statement from a XXXX XXXX. On XX/XX/XXXX I sent another letter stating that I just wanted to know who the account belonged to, please verify that it is mine, and to inform them that they had broken the law by not marking the account as " disputed '' on my credit reports within the 30 days as the law states and as a result they must remove the inaccuracy. The company sent me a letter on XX/XX/XXXX stating that I was harassing them, that my claims were frivolous, that I could look for the " disputed '' addition to my credit report in XX/XX/2020, and that they would no longer respond to me because the matter is now closed.
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NC)

In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect, inaccurate and insufficient. I have no recollection of this debt owed and has been placed on my credit file and in my name. 

I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed immediately from my credit reports ASAP to ensure my credit profile will reflect accurate and correct information. 

I understand you all are extremely busy so I appreciate your assistance in this urgent matter. 


Respectfully, XXXX XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I was living at a boarding house at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I moved out on XX/XX/2019 with the understanding the owner, XXXX XXXX, would disconnect the services out of my name and put them into his own name. I relocated to XXXX, FL and never looked back. I signed my new lease on XX/XX/2019. I checked my credit report this week and saw an account from HELVEY & ASSOCIATES IN for XXXX XXXX in the amount of {$290.00}. I am NOT responsible for this debt as I was NOT living in the home, and I can PROVE that I was not living in the home. I am filing an FTC, FCC and FL attorney general complaint about this fraudulent account, fraudulent reporting on my credit.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I paid the usual amount of {$35.00} from my only checking account at Chase Bank and the card associate says that I never made a payment. I paid the XX/XX/2020 bill on XX/XX/XXXX. They changed the billing cycle date from XX/XX/XXXX to the XXXX. I made a payment of {$35.00} on XX/XX/2020. They are lying stating that I never made a payment in XXXX and they are charging me {$85.00} in XXXX. I believe that he is XXXX. I only have {$35.00} to give Chase Bank this XXXX. I only have {$15.00} to spend every month on this card. Why would I owe so much? A XXXX female representative also called me a XXXX over the phone. They said they helped me however I am not certain. The minimum payment also increased to an amount {$50.00} for an unknown reason. I am XXXX. I dont like really talking or arguing at all.
Consumer complaint received 2020-04-17
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. (IL)

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a  notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS ECMC XXXX not mine ECMC XXXX not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please sent a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I checked my credit to see a collection account from XXXX XXXX for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX COLLECTION SERV ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX AUTO ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (FL)

I checked my credit to see a collection account from Enhanced Recovery for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

After reviewing my credit report, I noticed a number of identity theft accounts and addresses that I previously reported to this bureau as not mines, as they are a result of identity theft, the bureau refused to block, dispute and even failed to acknowledge my communication at all. In fact, I never received any communication from them regarding my dispute. I never authorized anyone to use, borrow my information, or pretend to be me. However, my information is being used to the point I am being sued and have had to retain an attorney to not only defend me, but to sue this bureau for its willful failure to comply with the federal rules surrounding identity theft victims and credit reports. 
Further, this particular bureau, deleted some accounts that are identity theft ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX  ) ; and then reinserted them back into the report even though the furnisher of the information advises my attorney that they are no longer reporting it because it is identity theft. 

No other bureau is giving me an issue and is refusing to comply with federal rules. This bureaus has been so defiant and willfully non-compliant that they even initially refused to respond to my previous complainant I filed with the CFPB, by stating it appears to be written by someone else. This is crazy.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$720.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-01-03
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. (NY)

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I did a Dispute claim for Services I didnt receive. I sent my money in XXXX XXXX Ive been trying to reach this company since XX/XX/2023 and no more response. Im thinking it Fraud. I contacted the Bank. I received a claim number XXXX,, XXXX from My Checking Account. The amount was {$750.00} and {$250.00}. They closed both claims and only reversed {$250.00}. I have proof by email Ive been reaching out for my refund by the company. The Bank never ask for no additional information. Why I never received the {$750.00} reversed to my bank account but I have {$250.00}. Im not understanding.
Consumer complaint received 2020-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Dear Equifax : Creditors : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (MD)

I took my wife to the hospital ( XXXX XXXX in XXXX ) on XX/XX/XXXX - XX/XX/2019 to deliver our XXXX  daughter. Everything went well. The staff at the hospital told my wife and I that with our insurance we would not owe anything for the delivery. We were discharged and we never received a bill of any kind. Fast forward to about a month ago, we are getting a bill from a company called Financial Corporation of America ( FCOA XXXX. ) saying that we owe {$150.00} to a company called XXXX XXXX XXXX. The date of service shows XX/XX/2019, which is when we were at XXXX XXXX. We called the hospital about a month ago and they stated that we did not owe anything. We called FCOA XXXX  and told them this and they stated that we still owed money. They sent us another bill a couple of days ago, the same bill. I called and they would not provide any information unless I gave them confidential information such as address, date of birth, and social security number. They do not seem to be a credible company and I do not owe what they are saying I owe. Can you please fix this?
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint  Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-04-17
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. (IL)

XXXX dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later Equifax does the same. This is unfair as this info is not new info. I have attempted several times to call XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.
Consumer complaint received 2020-04-22
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  COLLECTION SERV ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX AUTO ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX