davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The company reinserted previously deleted information under FCRA 605b due to identity theft The reinsertion of these accounts violates the FCRA Section 605B, which prohibits the re-reporting of information that has been previously deleted based on the expiration of the reporting period. 
The reinserted accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also have incorrect names and addresses. 
Pursuant to 15 U.S. Code 1681e ( b ) they need to remove the names and addresses. 
My name should show as XXXX XXXX XXXX, XXXX and address as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MA)

My sister applied in XXXX of this year for credit with Affirm. This company works through XXXX. She purchased merchandise and has two outstanding loans with this company. She said she only put my phone number on the application and not my name, because she had no phone at the time. In XXXX I requested through XXXX my credit report. On my report I saw to delinquent loans from Affirm, but I don't have an account with them? I have tried to talk to various supervisors there and they for some reason keep trying to verify the info they have and they have both me and my sister 's info all tangled up. And they keep refusing to accept my sisters payments on this account. I feel my identity was robbed from me.
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I have paid this bill in full $ XXXX.I have not paid this bill because. This money from a credit card upon in XXXX to XXXX in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. Insurance payment in full the entire amount of money. This card is secured with XXXX insurances, XXXX and XXXX. The XXXX sold it without telling me to " XXXX '' and they sold it to without information. In XXXX " Asset Acceptance , LLC ''. The XXXX did not act in good faith.XXXX Account # XXXX.was paid by the insurance that I had within my card in case of unemployment or loss of income. The Insurance payment in full the entire amount of money. The XXXX sold it without telling me to " XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live ( to the court XXXX ), now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem. Please take many years with this harassment, for a debt that I do not owe, and this account was paid, I lost my marriage for this reason and my work too, my daughters and I are suffering for this reason, please end this problem. Now they have XXXX companies trying to collect this money. " XXXX '', " Asset Acceptance , LLC '' and Midland Credit Management. Inc .I needs help, I do not know what to do, and I 'm desperate, please First. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay " Original Documents and my signature ''. Federal Trade Commission ( FTC ), Fair Debt Collection, Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e. 
Second. Never served with a Notice of Entry of the Judgment " Notice to Appear '' : I was never served the court notice. Fla. Stat. 48.031 ( 1 ) ( a ). I have never been given the opportunity to be in court when decisions have been taken in this case, I have not had a single hearing in order to know what the whole matter is. Under the constitution and the laws, I have the right to be present in the court and to know all for this problem. REQUEST FOR HEARING.- ( court XXXX ).
Consumer complaint received 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

XXXX attempted to used the card gifted to us XX/XX/XXXX - came up saying it was not authorized. 

XX/XX/XXXX called to the XXXX customer service number on the back. spoke to several people, refused to send to supervisor, after being asked. one person did attempt to help, and he was the one who advised me the card is registered to someone else and he was sorry. he didn't know how that could happen and the process to dispute. i went to the website, where I wasn't able to begin the process, it said the card was not valid and to call the XXXX number on the back of the card. 

I called for the last time XXXX call and demanded a supervisor who then told me that i couldn't use the website to put in the information to start the process to have this situation rectified, but that i had to... fax my ID now, the card front and back and the receipt ( which i have to call the gifter for, who will have to go back to XXXX XXXX to work with management there to obtain a copy, and the once this is all in ... they will in 30 days or so mail an updated card with the funds reissued. 

I was a total XXXX on the last two calls I made there. I am beyond irritated. Try telling a 5 and 10 yr old that the gift card that has their vacation spending money is not available for them for over 30+ days now when we won't be on vacation.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX Shellpoint Mortage Servicing Loan # XXXX XX/XX/2020 received Annual Escrow Assessment Statement that indicated shortage of {$290.00}, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at {$540.00}. I used that coupon and remitted {$300.00} on XX/XX/2020. 

They acknowledge receipt on XX/XX/2020, but billed {$560.00} for XX/XX/2020 I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XX/XX/2020 correspondence saying " your current payment amount is {$540.00} '' XX/XX/2020 corrrespondence now says although they credited my Escrow Shortage payment XX/XX/2020 they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of {$560.00}!

Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CO)

An American Express Account " XXXX '' in has been wrongfully added to my credit report affecting my XXXX XXXX on both XXXX and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any american express credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TX)

Navient is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, Navient is reporting the same accounts twice and did not remove the reporting once sold to another servicer. Navient is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no Navient reporting accounts on my consumer credit report.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY ()

I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the VA had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all XXXX credit agencies ( XXXX, XXXX and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during XXXX. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( American Express ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the XXXX agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from American Express and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with XXXX XXXX but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (LA)

XX/XX/XXXX I got a notification from XXXX which I pay for that Sunrise Credit Services placed a account in collections from XXXX stating the original debt is {$1000.00} and the current balance is {$1000.00}. I called Sunrise Credit Services today and was told they could not pull up any information on me, so then I was transferred to another dept which I stayed on the phone waiting for someone to come the line to assist me for XXXX minutes and no one came to the line. I was asked to wait while they look for someone and the last thing I was told was they couldn't find anyone to help me. I told the representative that couldn't find any information with my social security number that I haven't had XXXX XXXX  and if they had tried to reach out to me I would've provided them with that information before sending it to all three credit bureaus. Below is the previous complaint I filled for the same debt but different amounts. I don't know if this company is using another name or the debt keep being sold. 

XXXX XXXX XXXX is reporting a debt owed to XXXX that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX. I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours. I also told her that I never received anything from them to give them this information before they sent this to the XXXX XXXX XXXX XXXX. I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief. They are reporting inaccurate information 1. Owner of Debt 2. Amount they said they had on file and the amount reporting to XXXX 3. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX  Original Lender XXXX XXXX Agency Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

BK OF AMER XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

This is the refilling of my complaint to JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WV)

I have attempted for several months to obtain documentation from my original loan so that I can ascertain what rights and responsibilities I have and repayment/discharge options are available. I have been unable to submit documents to Nelnet through their website although the site states this is possible. I have tried to call and can never get through, lines always state at least XXXX min to wait. I have written without reply. I was unable to download documents for deferment or hardship options and had to go to student loan website to get the documents. I do not know if my loans should have been XXXX as I graduated in XX/XX/2020 and believe my repayment status was income contingent. As of the time I graduated I have not had a job that required me to make payments because of my income and my loans never went into default. I believe that Nelnet is intentionally attempting to put my loans into default and ruin my credit, I was either on a hardship or deferment or Covid or whatever. If Nelnet did not have the resources available to responsibly handle the accounts they " manage '' they should not have taken them. My loans are 23 years and a XXXX payment is a payment nonetheless in respect to loan forgiveness. It is due to no fault of my own that I have been subjected to the poor employment history I have had to live with despite my education. Nelnet appears to only service the repayment side of the loans, not servicing them in a manner that is fair and does not put their clients in a hardship or default situation. If you can't contact your loan servicer what good are they.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Creditor : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tel XXXX XXXX This company will not remove the amount of {$1700.00} which they say I owe from My XXXX  Credit Report. I have tried to get them to remove this numerous times. I went to court and this account was settled. There was a voluntary dismissal in the state court of Georgia, XXXX County stating the acount did not belong to me. They keep on trying to make me pay for something that was not mine in the first place.