davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

2 loan companies ( Cash Central, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX XXXX  ) are involved. 

This was a request to Cash Central and XXXX XXXX to remove from XXXX XXXX and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of Cash Central obtaining a frozen credit report, and has been reported to the FTC. A police report was filed. 

A request for my frozen credit report was requested from XXXX by Cash Central in XX/XX/XXXX ( CASH CENTRAL, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). Cash Central is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX  provided Cash Central with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX reports. 

The same month, XX/XX/XXXX, an account was opened in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The same month, a loan was taken and a new loan account was reported in my name and social security number by Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge. 

The Cash loan was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to Cash Central in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ). 

Fraud alerts were filed, one with XXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ), and one with XXXX ( see Exhibit G ). 

XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from Cash Central or XXXX XXXX. 

A police report was filed. 

In summary, the Cash Central loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX
Consumer complaint received 2023-05-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 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
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (MI)

This company has been a complete Nightmare. I traded in my XXXX XXXX XXXX into the XXXX Dealership for a new Vehicle XX/XX/XXXX. 

It was paid off and transferred from my name by XXXX XXXX to XXXX XXXX. Over the years I've contacted Exeter Financial about the late remarks and continued bad errors. 

The have refused to remove them. I called them to ask for the removals and they retaliated and added 2 More. Please investigate and reprimand this company for tarnishing the reputation of my credit worthiness.
Consumer complaint received 2023-07-21
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. (CA)

I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Good Morning, The reason i am writing to you is because i previously opened 2 disputes with Equifax and the results say the information will be deleted but when i checked my most recent report from their site and from myfico the old incorrect information remains. can you please help me get this correct. i will be attaching the resaults that they indicated that this information was deleted and another that shows its still on the report.
Consumer complaint received 2020-04-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  is unlawfully making false claims that money is owed, that is not enforceable and has been satisfied as a matter of law. XXXX has hired a firm to make false claims and during this coronavirus exemption period having instead violated the State of California 's Orders of Exemptions of Foreclosures, and has aided to claim rights to enforce a Lien that is unenforceable, was time barred by operation of law over 13 years and was discharged AFTER being time barred over 8 years. This has been expired by all means under Applicable laws and according to the provisions of the contract. 
Furthermore : XXXX is attempting to serve a foreclosure notice during this Coronavirus Exemption period and having instead hired a new firm to aid in making false claims that money is owed. And having published on public records false accounting on discharged debt. This is extremely unlawful and under Civil Code 2941. having turned to criminal acts. 

During this extreme time of which we all face, XXXX is attempting to foreclose and file a Notice of Default when the Courts are closed and this is causing harm and injury. 

XXXX placed on my credit report found in XX/XX/XXXX to have made a false entry on my Credit report that money was owed and made up false entries to create a false claim as if payments were recently made, knowing this was false and untrue and attempting to revive a debt that is expired under all applicable laws from any collection ; and was later discharged under Chapter XXXX after having previously expired all rights prior to entering bankruptcy. This has been over 14 years of harm, and XXXX has caused recent credit reporting " False Credit '' entries on a debt that has a last payment due was XX/XX/XXXX. This was accelerated at this time and under applicable state law expires all rights under UCC 3118 ( a ) at six years. Despite the facts XXXX XXXX XXXX XXXX is the alleged Creditor who has stated " they are not the creditor '' and this pattern of abuse and harm continues to cause to ruin my credit, and lost my ability to gain a much needed loan, as my credit scores substantially decreased and denied business and personal credit because of this false entry. 

Despite the laws of California, including this recent Governor 's Order of NOT Allowing any foreclosures XXXX  has hired a firm to attempt to file a NOD and move towards taking my real property under a false disguise that money is due, no rights remain to enforce the time barred lien. This has been over 14 years since Acceleration of the note. Despite this as fact, apparently XXXX is aiding and has been taking real property by false claims and time barred expired rights to enforce by any means, including foreclosure. Civil code 882.010-882.040 inclusive.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have been calling and emailing Chase Mortgage daily. 
After 4 hours yesterday I did get through. Despite the federal government guidelines, they are NOT offering deferred mortgage payments. They will only waive the late fee for 90 days. 
I lost my job, as did my XXXX adult children. 

They won't explain what happens, but say I will owe all the past due payments in 90 days. 
This is not what the news about deferred mortgage payments are saying. The news is saying homeowners will be allowed to defer payments. 
Chase Mortgage company will not!! 
Please help. 

They complained about all the incoming calls, I said if they would do the right thing maybe everyone would not need to call. I asked them to keep me updated if they make a decision, they said they would not.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

To Whom It May Concern, The reason for my dispute is Debt Recovery Solutions XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Debt Recovery Solutions failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) Debt Recovery Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation Debt Recovery Solutions is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Debt Recovery Solutions is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Debt Recovery Solutions has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-02-26
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. (VA)

I submitted a request for investigation for the listed account ( XXXX ) and provided enough information for a thorough review. However, the investigation was not conducted adequately. Had you done a proper investigation, the accounts would have been removed. 
Relying only on the unreliable e-Oscar system has resulted in inaccurate and unfair information. I urge you to conduct a thorough and accurate re-investigation of the following accounts. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX. 
XXXX, XXXX, et al, the courts consistently ruled that credit reporting agencies must conduct an independent and reasonable investigation to verify the validity of debts and the credibility of creditors and collection agencies. Merely reciting information from creditors is not sufficient. Sending a generic form letter through the e-Oscar system without addressing specific reasons for the dispute is not considered reasonable. 
If you are not aware, each violation of the Fair Credit Reporting Act may result in damages of {$1000.00} if this matter goes to court. If you do not investigate my dispute, I will take legal action to safeguard my credit rating and rights under the Fair Credit Reporting Act. 
Kindly comply. 
Regards XXXX XXXX
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments or was placed as charged off on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts nor they are charged off : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Consumer complaint received 2020-03-24
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: ONEMAIN FINANCE CORPORATION (NJ)

ONEMAIN appear on my XXXX credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY AS THE FCDPA SECTION 604, 609 AND 611 DEMANDS.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Amount : {$2000.00} Creditor : Capital One Transaction date : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX On XX/XX/2019 I was charged {$2000.00} for a hotel reservation that was canceled within the allowed grace period for a full refund. Capital One issued a temporary credit that was eventually rescinded without an explanation. 

I have attempted to resolve this issue with both the merchant and the card issuer. The merchant has directed me back to Capital One to resolve the matter. Capital One has never given me an explanation for this issue. I never stayed at this hotel not did I receive any services from the merchant.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Although I know the person they are trying to contact, I have told them its the wrong # and its not me.and to stop calling my phone.they wait a few days then start over, I explained to them my name & threatened to report them if they don't stop and they still won't stop.
Consumer complaint received 2020-04-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

I XXXX XXXX am trying to avoid foreclosure by doing a short sale. I am working with my Realtor to XXXX XXXX to resolve this debt. I am a US Veteran and am currently unemployed. I need to do a short sale to decrease the damage on my credit and for relocation assistance. I have been unemployed for several months and have been unable to maintain my property. My property currently has damage in the interior and has not been review by M & T Bank or the Veterans Affairs ( VA ). We have been told by M & T Bank that an exterior appraisal has been done and came in at {$240000.00}. 

The appraised value of {$240000.00} is for a condo in that complex that has upgrades and in excellent condition. The appraisal that is being used is incorrect and we need to have an interior inspection completed. This current value of {$240000.00} is either a mistake or a fraud value. This situation will cause XXXX XXXX a foreclosure. It is impossible to sell this condo in its current condition at {$240000.00}. As we have told M & T bank several times there is not a buyer on earth that will ever pay {$240000.00}. We believe the current value to be {$230000.00}. We are sending a current sale in the same complex that recently closed a {$230000.00}. XXXX  XXXX was in excellent condition. Please keep in mind due to COVID-19,  were a down market, not up.
Consumer complaint received 2020-03-24
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. (TX)

all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;
Consumer complaint received 2021-01-13
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. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your 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 listed below.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I have tried to contact Sears office, and they ignore me and put me on hold, then the phone hung up. I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XX/XX/XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me in XX/XX/XXXX. This is unlawful and unfair of this merchant to do this. I even sent a secure message to them and they have ignored. I should be refunded the full amount of the interest for the Purchase that was returned in the same month it was purchased in XX/XX/XXXX. 

See Statements Attached.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.
Consumer complaint received 2020-03-24
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: Trident Asset Management, L.L.C. (MN)

Trident Asset Management placed a collection account on my credit reports. The original account holder was XXXX Credit Card. XXXX  placed my account with another agency and I have paid it and it is scheduled for deletion from my credit reports. The collection agency, XXXX XXXX phone number XXXX. Trident placed this account on my credit reports on XX/XX/2020 in the amount of XXXX acct # XXXX and updated again on my credit report on XX/XX/2020.
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (FL)

Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.