davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

JPMCBCARDSERVICES - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in XXXX.
Consumer complaint received 2020-03-11
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: EQUIFAX, INC. (TN)

I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XX/XX/XXXX XXXX XXXX XXXX {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-01-15
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: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2021 collection was reported on my account by Midland Credit Management as derogatory mark on my credit report as per XXXX.Upon, further research this account was transferred sold and i am no longer responsible for the account.Creditor did not verify this collection .Also there was NO written form of communication, contract or signature for this accused debt at all.A bill without written signature does not validate the debt and anybody can send a bill and say it's mine.According to the FCRA Midland Credit Mangement has violated my rights as a consumer and i'm requesting legal action to remove/deleted this account immediately from all 3 credit bureaus.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am filing the nature of this complaint the 3rd time. the two cases have been closed as the Capital One bank promised they did not fulfill their promises as noted in the two letters to contact the POCs. My bank ( XXXX ) and I, we called the POCs listed many times and no calls to date. CID # XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX and XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX. 

Finally, I reached out to Capital One bank and logged a complain citing these two letters and the supervisor called me on XXXX XX/XX/XXXX after 45 days of my call and she provided me with the fax and email address where to send Hold Harmless Letter. My bank send a letter to Capital One bank on XXXX XX/XX/XXXX and the second one XXXX XX/XX/XXXX ( attached fax sheet ) has the email address and fax number where the letter was faxed and email per direction from XXXX - Employee ID # XXXX. 

Capital One please settle this account with all the problems you have given me for over a year to return my wire transfer. 

I can be reached at XXXX and my cell phone number : XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I refinanced my home through XXXX in 2020. I had paid XXXX on time every month. XXXX contacted me saying they bought the mortgage and needed to pay them for the month of XXXX and XXXX of 2020. I had already paid XXXX this money. However, XXXX still hit my credit with a late payment. I have paid out of my savings to get current with XXXX while XXXX still has my two months of mortgage payments. XXXX said they are releasing the money to XXXX. However, XXXX still hit my credit with a late payment and my score dropped XXXX points as result. According to FBR 1024.33 the actions taken against me by XXXX are a violation of regulations.
Consumer complaint received 2021-01-15
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!
Consumer complaint received 2021-01-15
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: The Best Service Co.,Inc (CA)

Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately!

Best SERV CO ( original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX i called Citibank regarding my account. There was XXXX taken out of my account by someone who I have never met nor do I have a phone number for. I've spoken to several representative and told him I do not have a clue as to who the person is that took money out of my account. There should be more than just telling me the name of the person instead of trying to received any information from my phone. The bank instead refuses to investigate further into the incident which has caused me to withdrew all my monies from Citibank since they have allowed someone to take money out of my account without my permission and refuse to investigate further. They have also allowed others to go into my account with my knowledge.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These XXXX and XXXX have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. Experian as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.
Consumer complaint received 2021-01-15
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: United Revenue Corporation (TX)

United Revenue Corp is reporting duplicate accounts on my credit report ... This is severely impacting my credit. My FCRA rights have already been violated at this point. I attempted to reach out to them to fix this issue but to no avail so far. It has now been almost 60 days with no updates or notification that an investigation has taken place. I demanded to see verifiable proof ( an original Consumer Contract with my Signature on it ) this company has on file and never got any response and on top of everything else they are reporting duplicate accounts on my profile. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Consumer complaint received 2024-03-29
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)

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX/CREDITOR : XXXX XXXX XXXX specifically the account titled XXXX XXXXXXXX, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to XXXX XXXX continues to attempt to collect on an invalid debt. 

XXXX through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, XXXX violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f. 

Through all the above-mentioned conduct, XXXX  is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it from my credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2020 Midland Credit Management sent me a debt collection letter violating 6 federally protected consumer rights under 15 USC 1692. 

1. Violation 15 USC 1692c ( a ) ( 1 ) - MCM has no consent orally or written to contact me. They have sent a letter to my home inconveniencing me and causing mental anguish.

2.Violation 15 USC 1692d ( 2 ) - The debt collector harassed me in the letter threatening to file a lawsuit against me for an alleged debt. Using obscene language by stating that I owe a debt.

3. Violation 15 USC 1692e ( 3 ) - Several times the debt collector has given the false representation that they are an attorney and that the communication is from an attorney. A company can not give power of attorney because the entity is not a natural person. 

4.Violation 15 USC 1692e ( 5 ) - Threatening that they intend to file a lawsuit whenever they can not. Only a natural person can give power of attorney. They have no intent to sue me.

5. Violation 15 USC 1692j ( a ) - furnished a form causing false belief that the original creditor is involved in the debt collection. When in fact I am the original creditor.

6. Violation 1692e ( 2 ) ( a ) - supplied a false character amount of the alleged debt owed. Stated a positive balance instead of a negative balance. This is false representation. How could a consumer pay on a positive balance? 

I have attached the documents I sent to the violator.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Associated Credit Services, Inc. (AR)

I reached out to iXXXX XXXX once again to resolve this issue, but they had closed my account. I was behind on payments bc of the COVID-19 outbreak and it shut our company down. They assured me they wouldnt add any interests or close the account. I was able to make a payment and then when I reached out to them to pay the balance in full, they ahead closed it and turned my account over to Associated credit services. They sent me a letter asking for payment but the damage to my credit was already done. Now I have a charge-off on my credit report bc XXXX XXXX  refused to work with during these hard times.
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Payments received by Cardinal Financial and has not applied it to the payments. Still reflecting Im behind over {$7000.00} when the payments were sent. Cardinal Financial has denied receiving the payment since XXXX XX/XX/2022. They asked for the payment check number and still applied the amount. The checks were cashed. check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$5500.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} These payments were for XX/XX/XXXX, XX/XX/XXXX and the rear amount. 
Its frustrating when this has been going on for months and all the while the payments were received by a mortgage business. 
They responded to previous complaints as if I was harassing them, when in fact they have not applied the checks.
Consumer complaint received 2023-01-23
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)

The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-15
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. (UT)

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar.

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with XXXX  young children because we can not qualify to rent anywhere or get a mortgage.

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately.

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (KY)

It's saying I have a XXXX on XXXX  XXXX cr XXXX in XXXX XXXX and the charge is also incorrect it is a XXXX
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I have been trying to refinance my mortgage, but my current mortgage holder AmeriSave XXXX XXXX, is refusing to provide a payoff statement to my refinancing broker or myself. 
AmeriSave Mortgage Corporation is refusing to provide the payoff statement even though they have received my signed consent that was provided to them through the refinancing broker. Also, since AmeriSave non-responsiveness I have personally called AmeriSave XXXX XXXX 4 times to request a payoff statement, but it does not seem they are willing to provide the payoff statement. 

CFR section 1026.36 ( c ) ( 3 ) Payoff Statement, clearly states : In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. When a creditor, assignee, or servicer, as applicable, is not able to provide the statement within seven business days of such a request because a loan is in bankruptcy or foreclosure, because the loan is a reverse mortgage or shared appreciation mortgage, or because of natural disasters or other similar circumstances, the payoff statement must be provided within a reasonable time. A creditor or assignee that does not currently own the mortgage loan or the mortgage servicing rights is not subject to the requirement in this paragraph ( c ) ( 3 ) to provide a payoff statement. Official interpretation of Paragraph 36 ( c ) ( 3 )
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX I had submitted a dispute with Barclays ( Luxury Card ) about a charge in the amount of {$860.00}. 

On XX/XX/XXXX I had received a letter that the credit card company is unable to assist. After speaking to numerous agents on XX/XX/XXXX I was told the case was closed in error and it would be reopened and escalated. It never was. Again, I called and spoke to numerous agents ( call centers ). They can not even locate the case in their system properly, takes 30 minutes each time to explain what happened. Nothing is being done.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently check my credit report and I noticed numerous inaccuracies on my credit report I noticed that i have numerous inaccurate accounts and inquires on my credit report I am filing this in good faith that the credit reporting agencies will remove all inaccurate accounts and inquiries
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (FL)

I was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.