davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I was involved in an auto accident with a vehicle owned by the State of Utah. I gave my insurance information at the scene. 

My insurance ( XXXX ) paid out. 

After my insurance paid out, the state ( I think their Division of Risk Management ) mailed me asking for ~ $ XXXX. My car insurance company said don't pay it, they've already paid and will handle it. 

Two years later, I get mail from the Division of Finance saying to send ~ $ XXXX to their Office of State Debt Collection. 

I call them and say it's not legitimate. They say they won't verify the debt, but I can try to figure it out myself. I confirmed with my past insurance company that the claim was already settled. I emailed the Division of Risk Management and they said they'd fix the debt collection issue. 

Two months after that, I just received mail from Transworld Systems Inc. asking for even more money, again related to the car accident that they keep trying to double-charge me for. 

Can these clowns stop mailing me false bills before I have a XXXX  XXXX?
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

- on XX/XX/XXXX Logged into my account and noticed that there were a number of fraudulent charges placed on my card. Contacted the bank right away to report my debit card has been compromised. 

- Each transaction was done at " XXXX '' in different states even though in all the years i have used my account no charge has ever been done outside of NY state. 
- Bank credited back the fund XXXX in total while they investigated the fraud. 

- XX/XX/XXXX - bank reversed the credit stating these charges are not fraudulent because the debit card was present during the transactions. This is regardless of the fact that i explained i was out of the country, have never used my debit card anywhere outside of NY. 

Tried to contact the bank repeatedly after this to dispute their findings.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

My sons XXXX account was closed per the banks request. It is a XXXX account for my son who is an actor. I have him another account already set up at another institution and would like the funds transferred to that account. Please advise to get this done and the fastest manner
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NE)

On XX/XX/XXXX, I attempted to withdraw {$60.00} from an ATM at the XXXX XXXX XXXX XXXX XXXX in XXXX IL. No money was disbursed to me, but Chase ( the bank with which I have a checking account ) withdrew the money from my account. After filing a claim with Chase, they told me they believe the transaction occurred because the owner of the ATM said it occurred. They therefore took the money from my account. This was a fraudulent transaction and I, as the consumer, am being told it is on me to prove that I did not receive funds. Chase offered no assistance and told me to contact law enforcement. Only IF law enforcement proves the transaction was fraudulent will I receive my money back. My complaint is that I am the victim of fraud and Chase is not supporting any efforts to fight this fraud.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I CHECKED MY CREDIT REPORT THIS MORNING AND SAW THAT THERE ARE INACCURATE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I HAVE NO KNOWLEDGE REGARDING THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TN)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> some individual ( XXXX ) opened up multiple fraudulent credit cards in my name. I noticed the inquires on XX/XX/year>. I spoke with a police detective and he informed to call all the credit bureaus to freeze my credit, call any banks associated with the cards that were opened and to make sure you keep copies of all paper trails thats with this identity case. I did all the instructions the police officer told me to. XXXX, XXXX XXXX and XXXX closed the accounts successful, except Chase. They determined I opened the account and I am responsible for it. They refused to give me any insight on whats going on, nor did they ever contact me which I have all incoming and outbound calls recorded from XXXX. After I called back twice they told me same merchants were used with your other chase credit card and information to open up the cards match. Why would those XXXX correlate to if I opened up the card with using it at the same merchant and also obviously they have my information and its going to match because it is identity theft!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

To date, I have not received any written notice from the JPMCB regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). This initial written notice is crucial as it provides me with essential information, including the amount of the debt, the name of the creditor, and my rights to dispute the debt. 

According to the FDCPA, I am to receive written notice within five days of their initial contact with the consumer. Since I have not received such notice, I have not had a fair opportunity to review the details of the debt and respond accordingly. 

Therefore, if JPMCB records indicate that attempts have been made to contact me regarding this matter, I need to receive proof of such attempts. 

Please also consider this letter a request to remove any negative reporting related to this debt from my credit files until such proof has been provided. 

XXXX XXXX
Consumer complaint received 2023-07-03
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. (TN)

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. 

XXXX XXXX XXXX XXXX XXXX Is reported improperly
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report and noticed that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This is in violation of the FCRA subsection 1006.30a and its new rule by parking this alleged debt on my consumer report. I have not given any written permission to put anything on my credit report as stated in " 15 USC.1681bs. This has been hurting my credit, please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2024-07-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (CA)

Dear Sir/Madam, I am writing to formally dispute the collection of a student loan debt reported by NelNet XXXX XXXX This dispute is made under the following consumer protection regulations : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** 2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** 3. **12 CFR 1006.34 ( d ) ( n ) ( 15 ) ** 4. **15 U.S.C. 1681s-2 ( a ) ** According to my records, the debt reported by NelNet XXXX XXXX XXXX and should be removed from my credit file. I believe this debt to be either incomplete, inaccurate, or not verifiable, and I am requesting an investigation into the matter. 

# # # XXXX CFR 1006.34 ( b ) ( 5 ) This regulation requires debt XXXX to provide specific information about the debt, including the name of the creditor and the amount of the debt. I have not received this necessary information, making the debt unverifiable. 

# # # XXXX CFR XXXX ( c ) ( XXXX ) ( i ) This regulation mandates that debt XXXX must provide validation information, including the date of default and the current amount owed, upon request. I have requested this information but have not received a response. 

# # # XXXX CFR 1006.34 ( d ) ( n ) ( 15 ) This regulation stipulates that debt XXXX must cease collection activities if they can not provide accurate information regarding the debt. Since the required information has not been provided, collection activities must be halted. 

# # # 15 U.S.C. 1681s-2 ( a ) This section of the Fair Credit Reporting Act ( FCRA ) requires that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information they provide. The debt reported by NelNet XXXX does not meet these criteria and should be corrected or removed.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FlexShopper, Inc (TN)

Original Creditor : Flex Lending Date Opened : XX/XX/year>, Balance Reported : {$3900.00} Current Status : Charge-off Reasons for Dispute : Lack of Notification : I was not notified that this account would be reported as a charge-off on my credit file, nor have I received any formal notice of such action. This omission constitutes a violation of my rights under the FCRA, which mandates that consumers be notified of significant negative actions being reported to credit bureaus. Violation of FCRA : Under the FCRA, you are required to ensure maximum possible accuracy when reporting information. The lack of notification and the inaccuracies outlined suggest a failure to comply with these obligations. Unverified Information : I request that Flex Lending provide verification of this account, including detailed payment history, any communications regarding this account, and documentation of the charge-off status. I respectfully request that you investigate this matter and provide me with a written statement detailing the findings. If the investigation reveals any errors or unverifiable information, I request that you remove this entry from my credit report and provide me with an updated copy. Please note that under the FCRA, you are required to complete your investigation within 30 days. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (CA)

While checking my personal credit report, which I acquired fromXXXX  Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2019-07-02
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: Experian Information Solutions Inc. (NV)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I've disputed several accounts and asked for re-verification for accurateness and completeness of these accounts but all I have received is letters stating they can not identify me when I have send in my utility bill, my driver 's license, my social security card and my W2. How can they not identify me? The following accounts are inaccurate, unverified and incomplete : XXXXXXXX XXXX XXXXXXXX- why is this on my credit report? 
XXXX XXXX XXXX XXXX - I was never late on this account. 
XXXXXXXX XXXX  account XXXX - I have no idea what this is or if it belongs to me. 
XXXX  XXXX - I don't think this is my account. I have no idea what it is. 
XXXX XXXXXXXX XXXX XXXX  - What is this? I would like this validated. This is a debt collector and I don't know who or what this is. 

I would like these investigated for completeness, accuracy and that they are mine because I don't know what most of them are.
Consumer complaint received 2024-07-24
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: ALLY FINANCIAL INC. (GA)

After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit. 

Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from XXXX  XXXX, XXXX XXXX XXXX, XXXX  and many more. My current credit report is reflecting XXXX hard inquiries.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Paypal refunded my account A refund to card amount of XXXX $ Another refund to card amount of XXXX $ paypal gave me numbers for the bank XXXX did a investigation with numbers provided by PayPal and stated no transactions what so ever has come onto my account from PayPal I need answers paypal I keep going back and fourth is it possible you guys put a number wrong so basically I'm out XXXX $ that was due to me I need something done about this I'm entitled to my refund XXXX doesn't have the refunds the numbers you keep provided to this complaint doesn't help the fact I don't have the refunds
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

Privacy notice from Vanderbilt, XXXX, XXXX, properties, and XXXX using my personal information. The won't let me opt out after several attempts using their XXXX address not for them but some type of union? The phone number keep changing what I enter in as a number or hang up while inputting number. I attempted to opt out. Using my opt-out number. Several times. It said a different thing in what perceptually seemed to be trying to annoy me enough to quit. Phone XXXX does not allow a person to opt-out sharing your financial information in some fine print our government not protect us from, telling the world all our stuff without consent. You call using this opt out number yourself and see what I mean. XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports