davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
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. (NJ)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | XXXX : XX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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,
Consumer complaint received 2021-02-04
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. (FL)

I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP
Consumer complaint received 2020-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with Experian requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and Experian is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact Experian on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a Michigan address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to 5 children and we have never lived at a XXXX XXXX XXXX.
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC (FL)

I had a whole bunch of bank accounts and credit cards open under my name that I did not have any access to. A mortgage, a auto loan. school loans as well as government money taken from me. They then Put bankruptcy on my credit report. I know who it was I just need to take the steps to do it.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I had deposited a check under my roommates name to my account in which I received from my roommate who had stayed at my place for a couple of days, and then the bank freezes my account until further notice. They said they want to verify the check first to see if its real and then make my account available to me. The check was verified, and the money was cleared to use as my balance. 

I, then regained access to my account and made couple of online purchases/transactions while thus proving that the amount on my balance was fully cleared for me to use. Now, they have reversed all transactions I made, including filing for dispute claims to one merchant. 

When I called the bank up again demanding for answers for all this nonsense, and now they want to verify that my roommate had given me this check to go deposit. So, I gave them his number so they can call to verify all of this, but now they are saying that they can not find the phone number in their system. 

The bank is clearly withholding my money unlawfully and making me go on a wild goose chase.
Consumer complaint received 2020-10-04
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. (NJ)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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,
Consumer complaint received 2020-10-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I submitted a dispute letter with Equifax on XX/XX/XXXX. This letter was NOTARIZED and included my ID and social security card proving who I am. Equifax responded saying they " couldn't locate a file '' in their database with the identification information submitted. So I re-submitted the paperwork and also added a payment letter with my current address. Again, they responded with the EXACT same stall letter continuing to ask for more information. 
There are many items on my credit that do not belong to me and it is unfair to have to continue to jump through hoops to get the proper investigation into something that affects the livelihood of my family, especially during this PANDEMIC. It is disrespectful and can not be tolerated.
Consumer complaint received 2020-10-04
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: DISCOVER BANK (TN)

I have reached out to the company for proof for the second time, and sending them confirmation I was a victim of Identity theft and there in violation of FDCPA for not providing me evidence of this account. They only sent a statement or bills of this account, no signed contract, or proof that I am opening this account.
Consumer complaint received 2020-10-04
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: GOLDMAN SACHS BANK USA (MO)

I was trying to get money out of my digital wallet from Apple and I was sent through an UNWANTED application process for their credit card. I didnt want credit! I just wanted my balance. I knew Id get denied. But really? I just wanted my funds. Someone should look at the process to get to your apple funds. You shouldnt be sent to the card application process when you just have a balance that you want access to. Lets say UDAAP. Lets also say also so many access to funds. Would that include Reg CC?
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/year> Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities.

I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and XXXX XXXX must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXXXXXX 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 
I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Consumer complaint received 2023-05-08
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. (FL)

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have an auto loan from XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MO)

Phoenix Financial Servic has placed a collections account on my credit reports for a balance of {$1300.00} as collection/chargeoff for an original lender XXXX XXXX XXXX XXXX it appears to be a medical debt and I have no idea about the specifics of this account and they have not provided me with any specific information re ACCOUNT TYPE,, and the only thing I can think it might be is a trip to an emergency room where after waiting for several hours, I LEFT .... so if that is the case I got no services from either phoenix or XXXX, but I only have information from my CBR 's can not request a VOD nor can I dispute this and they are doing damage to my credit.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NC)

Hello this is in reference to the account from Discover Financial Services. I contacted the creditor by phone on XX/XX/XXXX and they stated in order to settle this debt that I will need to send a letter agreeing to pay the amount. They will then delete the account upon payment. I sent a letter ( attached ) on XX/XX/XXXX stating I will pay money owned on the debt and that I need an agreement letter from them. I then Paid the collection acount on XX/XX/XXXX in full through the collection agency. The collection agency, XXXX XXXX deleted the account but Discover refused to do so. I sent them another letter asking to remove the account as promised on XX/XX/XXXX but nothing has happened. This account is paid and they must follow through with their promise.
Consumer complaint received 2020-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (KY)

Ive already tried to contact the company to request an extension, which I know I am privy to in my state of Kentucky, I also know this company is not following laws per my state of Kentucky. 
I contacted them again today, but I have no faith that they will heed and follow my request, especially considering theyre not following the laws in my state, and their interest rate is astronomical and unreasonable. 
I am now asking to cease automatic payments with them, especially as theyre now starting to cause me NSF fees with my bank unless theyre willing to come up with a reasonable payment plan. 
Though as Ive contacted them previously, I have no faith that they will work with me. 
They prey on people like me that feel we have no other choice but to deal with their fraudulent ways.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NJ)

I had an unknown collection account appear on my credit. I first contacted the original creator who in this case was apparently XXXX XXXX XXXX. I spoke and sent them a letter along with the Fraud Affidavit and the account was removed. After that the collection account that was associated with the debt was removed. Now that I am in the process to get financed for a loan that collection account that was once removed has been reinserted to my credit report and has affected my chances of being approved, To date, I have not been contacted by anyone in this regard. The collection company is also alleging the account XXXX has been an open collection since 2016
Consumer complaint received 2020-10-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX/XXXXXXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2020-10-03
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. (PA)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :
Consumer complaint received 2020-08-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2023-02-02
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: Bread Financial Holdings, Inc. (IN)

I have taken a look at my consumer reports and there were two late payments on an account 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 the account ComenityCapitalXXXX XXXX. Please investigate and provide proof with statements showing that I was late on payments. If no proof is provided I demand that my payments are updated to on time as they were never late. Thank you.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

I refinanced our mortgage in XXXX and paid off Amerihome Mortgage Company on/around XXXX XX/XX/2020. I still have not received the remaining balance ( {$2000.00} ) from them. I have called twice and also opened a case online. Each time, I have been told it has been processed and to wait 10 days. The last time I called ( week of XXXX XXXX XXXX ), I requested an expedited check and was denied because they said it had been processed in late XXXX and was in transit. 

I understand there is a regulation that excess funds must be returned by the lender within 20 business days and this has clearly not happened despite my repeated attempts at resolution. Interestingly, I just received my Form 1098 from them indicating that the {$2000.00} has been refunded. 

I appreciate any help you can provide.