davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Forest Recovery Services LLC (FL)

I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2022-10-24
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)

Equifax failed to verify the Charge Off / Closed account and the total amount balance due is owed by me to XXXX XXXX for a permissible purpose application for credit pursuant to The Fair Credit Reporting Act XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ], Section XXXX ( a ) ( XXXX ) ( A ), and FCRA XXXX ( XXXX U.S.C. XXXX ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I did not sign any such credit contract with XXXX XXXX  containing my full social security number and signature where I granted permissible purpose for a credit application. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Regarding : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX Aldous & Associates is posting a fraudulent account to my XXXX Credit report under different account numbers. On XX/XX/XXXX, XXXX validated the account as fraudulent and removed the Aldous Associates Collection Acct. for {$170.00}. 
Unfortunately, Aldous & Associates resubmitted the debt again for collection to XXXX under a new account number. I contacted Aldous & Associates in writing with the written documentation from XXXX confirming the account as fraudulent and removed it from my credit report. Each time it's removed Aldous & Associates reports the same fraudulent account to XXXX under a new account number. 

I was told by XXXX XXXX XXXX Aldous Associates that I need to have Aldous Associates dispute the collection account, which is not true. They are deliberately being uncooperative and XXXX. I was hung up on and my experience dealing with this company is hideous. 

I joined XXXX XXXX in XXXX XXXX. A few days later following an emergency room visit, I learned that I needed to have emergency XXXX and could not participate as an active gym member due to my health. I went to XXXX XXXX and informed them of my health matter. I was told to contact XXXX 's XXXX office. Based on my medical documentation, I called XXXX 's Corporate office and was told that the contract could be XXXX.I also paid any outstanding costs. I have the medical records, if necessary. The truth is that XXXX XXXX sold XXXX XXXX a fraudulent account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2022-10-24
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. (TX)

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. 

Account name : XXXX XXXX  # XXXX 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 a 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. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (NV)

You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX To Whom It May Concern, I have been a JP Morgan Chase Bank XXXX XXXX since XXXX. I have personal and business cards listed above. 

On or around Wednesday XX/XX/XXXX, without notice, JP Morgan Chase Bank XXXX closed all my personal and business accounts credit card accounts. 

The cancellation without notice affected not only me personally but my business. The business credit card is used for recurring charges for our hundreds of customers. 

Upon returning, I spoke with JP Morgan Chase Bank XXXX and they stated no notice was sent. They also stated no reason needed to be given based on their Terms and Conditions. I asked for a copy of the Terms and Conditions from XXXX and they stated they would mail them. They also stated in the next XXXX  days they would send a notice about the accounts. 

I also reached out to XXXX XXXX, XXXX XXXX, and her team without a response.
Consumer complaint received 2021-03-09
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. (VA)

I Checked my Credit Report and found a Fraud Account on my Credit Report and I asked the Credit Bureaus to investigate and remove the item because the account is a fraud account and does not belong to me. I also contacted the collection company and informed them the item is not mine and to remove the item from my credit report. I also filed a Identity Theft Report. I have taken all the steps as a consumer to get this matter resolved. I've attempted over the last couple months to get this matter resolved. Im disputing XXXX XXXX XXXX {$12000.00}.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (TX)

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year> for XXXX XXXX XXXX ; XX/XX/year> and XX/XX/year> for XXXX  XXXX  XXXX ; and XX/XX/year> for XXXX XXXX XXXX. I have attached a copy of the identity theft police report to this complaint.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (TX)

Im the wife of XXXX and all my phones are in my name. I received a text on XXXX XXXX XXXX. I called and spoke to the person who called themselves a debt collector or mediator. Because my husband is hospitalized.After asking questions I was told that the Company who was taking me to court on XXXX XXXX is ChecknGo. And I verified myself to them telling the mediator or collector who I am. Still the collector assumed it was me that he was collecting for. 
I told the collector that XXXX  doesnt have a debt with that company. 
Then I was told that I was being served when in fact it wasnt the person that they were looking for. After trying to ask further questions I was continually told that Im being served without any further explanation. 
I looked up the number to Checkn Go in my area and gave my husband name, telephone number, address and all info that was requested. I was told that there was no Loan taken out with the information that I gave them.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MD)

I was informed that I owed a full month 's rent for damages incurred to an apartment rental until. I asked how the amount was determined and asked for an itemized list of repairs as the charge was for " dry wall '' and " paint '' repair for pictures that I had hung. I was told by the apartment manager the bill would be updated when the final repairs were made. My deposit was taken ( {$350.00} ) and I was told I was to receive an itemized bill which was never provided. Instead the company sent the debt straight to a collection agency. I have asked ProCollect Inc to work with XXXX XXXX to document the actual bill, but they refuse to and tell me I must provide proof I do not owe the debt. When I ask what that would entail, they do not answer but repeat " Nevertheless, the debt is due XX/XX/XXXX. ''
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (NY)

EXPERIAN continues to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. EXPERIAN continues to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information EXPERIAN is acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information EXPERIAN is discriminating against me. EXPERIAN is communicating my nonpublic personal information without my permission. EXPERIAN never gave me the opportunity to opt out of certain information being communicated. I sent EXPERIAN a letter requesting changes be made to my report. I called EXPERIAN after i received the certified mail return receipt for an update and i was told that the information congress prohibited will still be communicated.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (FL)

On XX/XX/year> I had a lot of unauthorized transactions, ( totaling {$960.00} ). Then I called SoFI that very same day and they said they could not do anything about that until the transactions went from pending to posted, so I waited a few days and I called them it posted and they said that they were going to review it and get back to me within 10 business days. Then within those 10 business days a reimbursement was denied so I appealed it with SoFI and then they said it would be another 10 days and then I lost appeal so then I asked them about that, and they said nothing else could be done. I had kept trying over and over again until I finally had a SOFI case number which is XXXX. There were so many unauthorized transactions that even SoFI lost track so I guess that is how I got some of the unauthorized transactions reimbursed, which totaled {$110.00}, they still owe me {$840.00} they never gave me any of that. Oh my account is restricted and pending closure.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I reviewed my consumer report and informed your agency on XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX  Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (WA)

In XX/XX/XXXX a trial period was agreed upon by both parties in which three installments were to be made in consecutive months to commence the loan modification process with the new 2.5 % interest rate. This was paramount for me because I had been unemployed for 19 months ( XXXX XXXX XXXX  ) and needed my income to justify any modification. Over the course of six months the only delay in making the modification official was a lien handed down on my property that I wasnt notified of until XX/XX/XXXX. I acted swiftly to pay this which led to the release of the lien in XXXX of XXXX. I continued to call to pay my modified mortgage and asking for an update to my modification but only words followed ( as opposed to the action promised each time ). Its makes no sense for XXXX more months to elapse without any guidance, direction, or expectation set but this is exactly what transpired culminating in the the most gut wrenching phone conversation ever to occur in my life when a call to pay my XXXX mortgage informed me that the documents had been delivered and since more than two weeks had elapsed since distributing them a new modification would need to be enacted. Apparently they had been sent while I was away. How could a reputable business allow so much time to elapse without presenting any other explanation than we have thousands of loan modifications to deal with? To ask a hundred questions with only a few actual answers received over the course of XXXX months is completely preposterous! Well, sir, we dont work with that department isnt acceptable feedback to acknowledge before, during, or after this process. Now I have to somehow accept a 6.0 % interest rate and a {$40000.00} delinquency amount because the trial period payments were significantly lower than my previous mortgage ( pre-CoviD ) amount. Standards are quintessential in business arrangements and its clear that my HomeLoanServ coerced me to believe I was getting ahead only to end up further behind than I initially started in XXXX of XXXX.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (MI)

Received debt collection letter from Media Collections Inc. 
XXXX Joseph , Mann & Creed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX Claiming I owe XXXX XXXX {$2400.00}. The issue is that I have no current agreement, contract or policy in place with XXXX. They have effectively sent an " invoice '' without representation.