davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-10-14
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. (TX)

XXXX, EQUIFAX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE.

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch Sturm LLP (TX)

I received a letter from attorney firm representing a collection agency trying to intimidate me into volunteering my personal financial information over to them as a means to collect on this debt, which also implied they would take action against my home if I did not reply. Followed by that letter was another letter stating the debt.
Consumer complaint received 2022-12-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Loan # XXXX On Wednesday, XX/XX/2022, at XXXX XXXX  CST, XXXX. XXXX XXXX wrote : To Whom This May Concern : We need all timely filed records and official and legal records generating my signatures on the contract. 

Everyone clearly knows what I am asking for and requesting. 

Chase Bank of Financial institution needs to be sending me the Department of the Army Records and Department of Veteran Affairs ' legal records and the Department of Veteran Affairs ' Appraisal record certification on this property on the proper starting date from XX/XX/XXXX - XX/XX/2022, and after XX/XX/2022, to this date. 

I still have not received any official and legal record from Chase to support their statement or claim as to why this deal was not closed on the date and time it should have been closed. 

I still don't have your official and legal records from my employer or anything from my employer showing support records to support such a statement of record. 

If this is not discrimination, then please explain to me what discrimination under the law is. 

The attached records are returned for more work. I am not going to agree to end anything until I get the PROPER RECORDS that I am asking for. 

This process is very simple people. I do business that is legal, accurate, proper, and correct, and not business just done any kind of way that is not legal, accurate, proper, and correct. Explain to me what I did wrong and what I failed to do in this process, and I will counterclaim your statement with my PROPER RECORDS. 

As soon as Chase Bank turns over those professional records they should have been verified by now and if the seller still wants to terminate this agreement, then he can do so. 

Chase should be talking to my legal counsel of records on file to get any legal records they may need or should have used in the parts of this process ; therefore, your records must be PROPER RECORDS and sworn and certified under a sworn affidavit under oath with proper signatures in blue OR black ink.

Chase Executive Office still knows that their consent records are still outstanding as of you receive this email notification. 
All your records will be used and are needed in other legal records. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX
Consumer complaint received 2021-10-13
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. (AL)

On XX/XX/2021, I sent Equifax a letter about some inaccurate and incomplete items reporting on my credit. I do not owe those amounts of the alleged debts, I even disputed the alleged items with the debt collection agencies, and they never verified them. So how can Equifax state it's verified without proof. I sent it out USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX for your reference, and I will attach a copy of the letter as well. It is damaging my score and keeping me from getting a home.
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

While checking my credit report I noticed Medical Data Systems has a negative remark on my reports stating that I owe a medical debt that I do not recognize. One entry was XXXX XXXX XXXX. I have never used that facility for service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (CA)

I have recently opened a credit builder account to improve credit. My credit builder account was closed and I did not authorize for my credit builder account to be closed. I now have unwanted inquiries on my credit due to this fraudulent mistake. My credit was on its way to being a XXXX I would like my credit score back to its original standing before this took place.
Consumer complaint received 2020-03-27
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: Santander Consumer USA Holdings Inc. (NC)

This account is no longer in active state it expires XX/XX/20 and should be removed from my act. Consumer still have active on the account as open charge off and account again should be closed and removed. Thank you
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent BILLING ERROR ; REQUEST FOR DOCUMENTARY EVIDENCE I wish to clarify a billing error which I have reason to believe and do so believe has been delivered to me in accordance to 12 CFR 1026.21. Please provide me the Documentary Evidence pursuant to 15 USC 44
Consumer complaint received 2021-03-15
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. (OH)

I am a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!
Consumer complaint received 2021-03-15
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. (OH)

I am a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3a Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (IL)

Received notice dated : XX/XX/ from firstsource in reference to an alleged debt owed to XXXX XXXX for the amount of {$1300.00}. I have nothing to do with this alleged debt in my name which is why I am requesting per law to provide validation for this alleged debt.
Consumer complaint received 2021-02-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX -Discovered that fraud on my acountXX/XX/XXXX - filled claim with Bank of America Claim was denied- BOA said to long before claim was initiated XX/XX/XXXX claim reopened XXXX?? XXXX claim denied by bank of America- excuse not enough evidence XXXX -claim reopened XXXX claim denied Claim # XXXX
Consumer complaint received 2021-10-14
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: MoneyLion Inc. (TX)

I have membership with XXXX so I check my credit activity quite often and noticed a new account on my credit report for which I did not apply for and have no idea how the account was opened without me knowing. I called the company and they confirmed it was fraud, they asked me for my email to send me the findings of the investigation and on the same day I also started a dispute with XXXX. The dispute for the account with MONEYLION INC was not changed as a result of the processing of the dispute. 

XXXX stated that the company that reported the information has certified that the information is accurate. I do recall seeing my bank account debited in the amount of {$4.00} in XXXX for a membership with MONEYLION for which I immediately contacted my bank to investigate and reverse the unauthorized transaction and they did right away on XX/XX/XXXX, XXXX the account showed up on my XXXX credit report almost 3 months later. I have no knowledge of the company, never received any mail or email and I have a balance as of XX/XX/2021 that needs to be removed as soon as possible.
Consumer complaint received 2022-12-28
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. (TX)

I received my reinvestigation results back from Experian and XXXX. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

In XXXX of XXXX, I had a fraudulent check to clear my account with XXXX XXXX. It took them exactly 14 days to give me my money back, which threw me further behind, I was paying AF XXXX about XXXX every 2 weeks fir about 9 months and my credit limit was only XXXX, The bank closed my account so that whoever sent the check through wouldnt be able to do it again. I called AF247 to try to set up payment arrangements, I was told I couldnt set up arrangements and I had to just catch my payments up which I couldnt afford to do, I was strong paying them XXXX every pay period. I didnt hear anything else from them until XX/XX/XXXX stating they sold my account to a collection agency and the amount is now almost XXXX, They wouldnt work with me and now they have doubled the amount as if I havent paid them anything, and reported it to the credit bureau. Thats really wrong of them, they wouldnt set up arrangements with me, never tried to continue me, unless they blocked their number and it came accords as spam risk. I sure Im not the only one theyre doing this to, Im willing to pay what I owe, but I know I dont owe nothing close to that, can someone please help me because this is definitely unfair
Consumer complaint received 2021-10-14
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. (OH)

I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX  XXXX XXXX # XXXX 30 DAY XX/XX/2021 XXXX  XXXX # XXXX XX/XX/2021. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers.
Consumer complaint received 2021-03-15
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (OH)

I receive a call from debt collect for an Account for XXXX XXXX XXXX for dates XXXXXXXX XXXX for amount of XXXX. I do not claim this debt or have any recognition. The representative do believe XXXX a victim of fraud. There was XXXX numbers listed on the bill and I dont know who numbers they are. They Instructed me to go to this consumer address and make a complaint. They will send me a letter to fill out and return to XXXX to get this handle. They gave me reference # XXXX and return address as XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX I also told them they can contact XXXX XXXX XXXX XXXX XXXX  if they thought this was previously on my credit report and they can coordinate with them as well.
Consumer complaint received 2021-10-13
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: Affirm Holdings, Inc (GA)

On XX/XX/ I was given a loan of {$830.00} and on XX/XX/XXXX I was given a loan of {$620.00} both by the same company called Affirm or XXXX XXXX XXXX  as it says on the Loan term agreement. I made all my monthly payments on time and on was out of work due to COVID-19 and wasnt able to make the payment for XX/XX/2021 and was therefore reported to my XXXX XXXX  report. Overall I have paid off the entire debt Early I might add but am still plagued with this delinquent mark in my XXXX report. Ive asked Affirm to remove the mark and they didnt want to and I disputed it with XXXX and they still didnt remove and need this mark removed in order to purchase a home for my XXXX  girlfriend and I.
Consumer complaint received 2021-10-13
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. (TX)

I have received a letter from XXXX the data furnisher that provided Transunion with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by XXXX, XXXX, Transunion or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

Tranunion has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. Transunion has not re-investigated the alleged bankruptcy. Transunion has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

To whom it may concern ; I called up PayPal this morning regarding Case ID : XXXX. I was told that the case was closed as this transaction is ineligible for PayPal Purchase Protection.

I am not sure why I am no longer eligible for PayPal purchase protection. I have only filed cases/claims in good faith. 

I ordered an XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, from XXXX in the amount of {$1000.00}. The seller sent a package using XXXX tracking # XXXX. The package arrived on XX/XX/XXXX I realized right away that there was no XXXX inside due to the weight of the package and the fact that the contents inside were not secure. I did not open the package as a way to preserve evidence for an investigation. I also filed a IC3 complaint as well which is attached for your reference. 

To me it seems as if PayPal is not acting in good faith by not standing behind their " Buyer protection '' when it does not benefit them. This is in violation of consumer protection laws. 

Please help get back my money that I have been scammed out of by XXXX and PayPal complicity. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

Claim # XXXX I bank with chase bank that has XXXX on it, every 6 months I do a check on how Im doing for the year. I check and found XXXX worth of XXXX payments. I disputed it and I was sent to they protection group. The woman I was speaking with told me someone in XXXX tried to do a transaction was it you, I said no maybe it was me cause Im in XXXX which is near XXXX. She said no sir it cant be you or that. I went through all the security steps, changing my user name, XXXX email password everything when we got done, I got a credited XXXX, they reversed it cause they said they seen it was a clean transaction. But thats not my fault it was a clean transaction. Fraud usually is clean transactions that is unnoticed until it is noticed, if fraud wasnt noticeable right in the moment wouldnt nobody be getting fraudulent things done to them. I asked for the record of the time I called in they say they dont record every call, I asked for a manager they busy, I shouldnt have to be charged for a charge I didnt do