davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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: DISCOVER BANK (GA)

I sent out a letter to XXXX and Discover on XX/XX/XXXX. My current XXXX credit file is showing a Discover Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from XXXX 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. Discover and XXXX has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.
Consumer complaint received 2020-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX
Consumer complaint received 2020-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

I had been a member with XXXX XXXX for almost 15 years until they decided to almost double my annual costs for TV service. Every year, I would have to call and re-negotiate a billing price and every year they would reduce my costs from around {$220.00} per month to about {$120.00} per month, thus giving me their " promotional rates ''. In late XXXX, they stopped allowing me to get better rates, so I began searching for a cheaper TV/Internet provider. In XXXX XXXX, I had numerous phone calls with managers and people claiming that I would receive " credits '' to my accounts, or that I would see the price adjustment on my next billing cycle. After each month, and very little promises kept- in XX/XX/XXXX I cancelled my service. They gave me a final bill, instructions to send the equipment back and told me I'd receive a final credit from them, which should have been about {$150.00} credited back to me. Instead, they somehow said I owe them {$170.00} and kept calling me to tell me I owed them money. They couldn't explain how, or show me records of anything, but that was the " bill they saw ''. Now, they farmed it out to SEQUIUM ASSET SOLUTION for {$170.00} collection and Sequium can't produce any justification, billing statements, credit promises or anything. I've called XXXX and they can't produce anything other than a system saying that I owe them, Sequium can't produce anything other than a statement from XXXX saying I owe them. Nobody will even listen to me at XXXX to determine if they credited me back what they said they were going to do, nor can they even find records of my account.
Consumer complaint received 2020-04-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC (NY)

I was told I have a debt, I mailed a check to the original company was owed to my son doctor. 

They hot my credit when I called them he said this isnt XXXX XXXX you cant have it your way, wouldve let me record him or confirm this debt is being removed
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

I filed claim awhile back about unauthorized use of my information. Attempting to make an unauthorized use ( s ) and also trespassing on my intellectual property being the trademark : XXXX XXXX Under Federal Registration Laws, I am the owner of the Trademark : XXXX XXXX Currently with the United States Patent and Trademark Office, under the following Registration Number XXXX. Therefore I have the right including but not limited to restrict, prevent or limit the use.of my Trademark in order to protect it against any misrepresentation. Notice to cease & Desist In any additional use of my Trademark that will likely cause misrepresentation in relation with distribution advertising identification and sales of my products or services. 
If you fail to comply with the aforementioned demand ( s ) within 72 hours I will have no choice but to pursue all legal causes of action including the filing of a lawsuit to protect my interest I remind you that this complaint serves as a pre-suit notice for lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement. It is in the best interest to have this issue amicably settled
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

On XX/XX/2022 I called Rushmore Loan Management Services to remove my banking information from their system. I received a letter from Rushmore on XX/XX/2022 that stated my mortgage company has been changed to XXXX XXXX XXXX. However, I was told by the representative ( I do not remember his name ) that he did not have the capability to remove my banking information I was told it was submitted to the IT Department. I then asked if I could receive some form of correspondence that shows that the issue has been raised to be resolved, I was told no, which does not make any sense. The representative told me to check back in a week when the issue should be resolved. I waited two weeks. I called Rushmore Management Systems again on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me that my banking information is still there ( for some reason, whenever I told them that they are no longer my mortgage company, they keep saying yes I am ) Further, XXXX ASSURED me, that from my request again on XX/XX/2022 after my INITIAL request on XX/XX/2022 that my banking information and account with Rushmore Management Systems has been deleted. XXXX also ASSURED me that my banking account will NOT be charged. That was not true, on XX/XX/2022, a payment withdrawal from XXXX RLMS ACCOUNT in the amount of {$1300.00} was taken out of my bank account. Now, my account has been charged TWO MORTGAGE PAYMENTS. 1 from my current mortgage lender and 1 from Rushmore- the incorrect lender.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NH)

In XXXX I applied for a credit card but unfortunately, I had technical difficulties and had applied over 8 times to two cards. I called them they said they said they understood and approved me for the freedom unlimited and would take the dings off my account. When i called back a week later to see where my card was they acted like the first call had never happened. My score has still been affected, i do not want the card anymore i just want my credit score back
Consumer complaint received 2019-12-31
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. (NE)

As a victim of ID theft and Fraud, it puzzles me as to how a reliable credit reporting agency such as Experian can be so negligent in their reporting. I've been disputing an address on my credit report as FRAUD for several months now. I have NEVER lived at this address, used this address, or been associated with this address. I've written multiple letters begging them to remove it as it is clearly associated with fraud and all they do is claim they updated it to a different apartment number. I am done asking nicely and am ready to pursue them in a court of law for their multiple violations. 

Most recently, I submitted several disputes to have several creditors updated to included in bankruptcy. I sent documentation with these disputes. Because I had disputed some of the accounts twice online, I was told that I would need to submit documentation. I submitted the documentation on XX/XX/2019. Experian FAILED to process these disputes. Additionally, the disputes they have processed were not processed accurately and now those accounts are not only a violation of the FCRA, but are now violating the US Bankruptcy Protections. They allowed the creditors to update the accounts with further inaccurate damaging information which dropped my credit score 100+points. Creditors do not get to pick and choose whether they want to be included in the bankruptcy or not. Experian is giving them a choice despite the documentation provided to them and the verified bankruptcy filing. This is illegal and I will not stand for it.
Consumer complaint received 2021-07-29
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. (LA)

I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (UT)

First Progress is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE Group XXXX : This is reporting on my credit file & I have not received any notifications regarding this debt. I paid this off in full once I had it showed up on my credit file. This debt has now been paid and needs to be removed from my credit report. Not receiving any 30 Day right to dispute is a violation of my rights and this needs to be removed!!!
Consumer complaint received 2020-06-12
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: Navient Solutions, LLC. (CT)

XX/XX/2020 RE : Proof of Validating Account Social Security # : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX # XXXX - {$5500.00} ; DEPT OF ED/NAVIENT # XXXX XXXXXXXXXX ; U S DEPT OF EDXXXX # XXXX - {$4200.00} ; U S DEPT OF EDXXXX # XXXX - {$1.00}, 521 ; U S DEPT OF EDXXXX # XXXX - {$50.00}, 321 ; U S DEPT OF EDXXXX # XXXX - {$26000.00} Attn : Fraud Department : I am writing to dispute the account referenced above. I have disputed the account information as Fraud/Identity Theft with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my Federal Trade Commissions Identity Theft Report and my Identity Theft Affidavit. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. I am asking the verification documents be sent to my above address. 
I am requesting that you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

Hi I received an email from ACE Cash financial Group inc saying that if I didnt pay a certain amount they would take me to court. But I never applied for a loan from them. They have all of my information and say that I owe {$1000.00} and that if I dont work with them I would be taken To court. They first emailed me on XX/XX/2020 and have sent more emails saying how much to pay for them to keep me out of court. Again I am saying I never applied to get a loan with them. I did end up paying {$200.00} cuz I was scared but then realized I didnt recognize the company so anything you can do to help I would appreciate it.
Consumer complaint received 2022-03-01
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. (VA)

I have no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when
Consumer complaint received 2022-02-24
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I made a purchase online for a takeout prepared dinner from a restaurant for pickup on XX/XX/XXXX at XXXX XXXX. When I went to pick up the dinner on XX/XX/XXXX, the food was not ready at the assigned time. The food was not made available to me until XXXX XXXX and was not prepared but instead provided for us to cook at home. As a result, I disputed the charge on XX/XX/XXXX. The charge was made using my Chase Sapphire Reserve credit card. 

On XX/XX/XXXX, I was presented a letter from Chase that they considered the charge valid as the charge was made in person. That is factually untrue and is not disputed by the restaurant. The restaurants own documentation shows that the purchase was made online via XXXX. Chase could have only reached this decision by not actually reviewing the disputed material or reviewing in a manner that was so reckless as to not understand the undisputed facts of the situation. 

I called Chase 's dispute department to discuss their findings. I was told that I was not allowed to dispute charges for quality and lateness as long as I had been provided a product at some point. After speaking to a supervisor, she told me to send Chase a secure message in writing that I did telling them that I disputed the quality of the merchandise. I did so. At no time since sending that secure message in writing have I received any additional requests for information from Chase as to the quality of the merchandise nor any response showing that Chase had re-disputed the charge as I was told they would or otherwise considered the quality of the merchandise as part of the dispute process.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

My complaint is against Comenity Bank and XXXX XXXX XXXX.I received a notification on my credit report asking if I had closed my XXXX XXXX credit card. The answer is no, I did not. Following this alert I called XXXX XXXX and then Comenity Bank, speaking to several people beginning with XXXX at the XXXX XXXX Headquarters, XXXX, a Senior Account specialist, Employee ID XXXX at Comenity Bank and then finally XXXX at Comenity Bank ext. XXXX that could not and have not answered the simple question of why they would close my account during the covid pandemic. After the credit alert, I received a letter dated XX/XX/2020 stating thank you for contacting Comenity Bank but that my credit card from XXXX XXXX was closed by the bank due to inactivity. As a loyal customer of XXXX XXXX organization, I find this unacceptable. Why would Comenity Bank and XXXX XXXX  choose to close my account during the time of the Covid pandemic when the stores were closed and I was unable to shop on site. I am a XXXX senior and do not shop on line due to my XXXX. As you can see, I have reached out several times to try to settle this issue to no avail. At the very least there should have been a letter of notification prior to this happening giving me the opportunity to use my card on line if necessary to keep the account open or close the account myself.Is there no protection from this type of action? I am very unhappy that this has happened because it is a blemish on my credit which is extremely important to me. I have asked that my card be reopened and was told that that is not possible and I could reapply. This is unconscionable for this to have happened during the Covid pandemic! I would appreciate your help in this matter. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-04-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OK)

I have a car loan with Ally Finacial and the total amounts on my credit report dont match. My loan is paid down to XXXX.. Just recently my insurance company paid {$12000.00}. That amount was paid on XX/XX/2020. Ally financial is the worst company to have a loan with. Getting anything done with them takes months. I had tried for several months to give then my insurance auto theft information and every time I called they took the info and everytime I called back they had no history of any information given to them.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc. (GA)

FRANKLIN COLLECTIONS ' SV HAS VIOLATED MY RIGHTS AS A CONSUMER DEBT NOT MIND SENT A LETTER 'CERTIFIED MAIL, REQUEST VERIFICATION VALIDATION, LETTER DATED XX/XX/2020 SIGN CONTRACT STATEMENTS FRANKLIN COLLECTION 'SV NEVER COMPLIED WITH LETTER AND STATED THEY DO NOT HAVE THE ORIGINAL CONTRACT AND SIGNATURE VIOLATED MY CONSUMER RIGHTS.
Consumer complaint received 2020-04-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc. (TX)

NCB MANAGEMENT has placed negative information in my credit file, WITHOUT notifying me first, as per the FCR Act. I would have then told them, as i have written, them and the bureaus, this is not my debt, I have no relations with XXXX, and have never benefitted from such. A company is a " dead '' entity, and only exists because we the people created the State/Government, then gives this " dead entity '', limited powers. When does these powers include, now telling me who i am, or what i did, or am doing, XXXX, thus runs the show. 
The law does not presume an agency relationship exits just because an alleged agent says so, Armato v. Baden Restaurants, 71 cal. App. 4th 885, 84 Cal. Rptr. 2d 294 ( 1999 ).

a claimed existence existence of an agency relationship forces a fact intensive inquiry. See, e.g. C.A.R. Trans. Brokerage v. Darden Restaurants., 213 F. 3d474 ( 9th Cir. 2000 ).

NCB MANAGEMENT flaunts all DUE PROCESS LAWS, by placing this negative information in my file, without proving anything, that it is me, and/or i am the one responsible, only creating ultra vires acts, interefering in my Constitutional right to contract.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (NJ)

XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively.