davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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. (CA)

I found several errors on my credit report. There is a chapterXXXX filing that is not mine, unauthorized inquiries a late payment that is wrong a charge off that is not mine a few accounts that do not belong to me. A letter of explanation is enclosed
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2022-12-29
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)

To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with XXXX XXXX XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation Antonio-Nikolas : XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in this complaint
Consumer complaint received 2024-03-18
Product: Credit reporting 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-03-18
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

As of today, Chase bank STILL possesses XXXX dollars of mine, as they declined an account opening. They couldn't verify me. They never asked for ANY proof of ID. YETsent me a debit cards and a confirmation it's opened. Chase is illegally in possession of my money, either contact me today by phone with resolution, or I will file charges. I received a call yesterday, and the rep hung up on me. After calling back, she had " left for the day ''.
Consumer complaint received 2022-01-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (DC)

Applied for a loan with Loan Depot in fall 2021. Was charged an appraisal fee for the loan. Appraisal never took place, loan was declined. For at least the past month I have attempted to have the charge returned, it was approved two weeks ago and still no return of the fee.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IL)

I review my credit report and I saw IC systems listed I contacted IC systems and was told they were placed on my credit from a previous bill with XXXX I went ahead and set up the date on Monday, XX/XX/XXXX I contacted IC systems in a attempt to receive documentation that I previously owed the debt I was informed by them that I needed to contact I XXXX so I contacted XXXX customer service I was informed they could not email me anything however I could go into my local Xfinity store and receive up to 12 months worth of statements I proceeded to the store on Monday and I was advised that they have a new system and they can not give me any documentation showing my previous Debt due to the debt been from XX/XX/2015 the customer service employees informed me in the store that I would need to contact IC systems to get documentation of the previous debt owed I have been given the runaround and I am only asking for proof that I did in fact old XXXX for services that was rendered back in 2015.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account numbers : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (CA)

XXXX  XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

Equifax XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from my credit report.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 Comenity Bank continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND Comenity Bank to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account
Consumer complaint received 2024-03-18
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. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I had a fraud on my credit card account back in XX/XX/XXXX. Called them to report. They closed the card but ended up waiving only part of the amount ( I think some of the fraudulent charge was still pending at the time ). So I ended up having literally {$5.00} on the account. I called again to notify that there is still fraud amount on the account. They have reopened investigation, allegedly. That was all happening in XXXX XXXX. I closed the account since because I don't want to deal with them anymore. In early XX/XX/XXXX I called to check on the status of the investigation. My call was transferred to debt collection. I was very surprised about that and clarified that the amount is fraudulent and I should not be on the debt collection list. They gave me the fraud department number and the extension of the agent on my case ( XXXX ). Over the last 3 weeks I have tried calling at least 10 times, left several voicemails. There has still been no response. Had I known, I would just paid that {$5.00}. But now it is too late ... My credit history is being impacted ( the score dropped by XXXX points already ) and fees are accumulating. I have spoken with the bank 's customer service but they had no option for me other than continuing to call the fraud department. I ran out of options.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I purchased a XXXX XXXX XXXX camera system for my home, which XXXX installed. After about four months, I noticed that the system wasn't working. I called XXXX, and they admitted the system hadn't been properly connected and that they could fix it right away. I asked for a refund for the four months I paid for service, and the XXXX staff agreed I should get it, but he didn't have the authority to issue it, so I needed to wait to be contacted by an XXXX manager. I waited. I never got the call or any correspondence. I contacted XXXX and told them that if they would not reimburse me for the four months I did not receive service, I'd stop paying for the system and that they could come out and remove it. They did not respond to this either. I stopped paying. 

XXXX sold this debt to Rash Curtis & Associates. I got a letter from Rash Curtis explaining that I now owe them the money for the camera system, which is currently {$1000.00}. I responded to Rash Curtis with a full explanation of what happened and requested that either they or XXXX come to remove the camera system and repair the damage to my house caused by the XXXX installer. They drilled multiple holes into the side of my house in four different locations. I also explained that since this camera system is wired into my home 's electrical system, it would be too dangerous for me to remove the system. I was worried about being electrocuted and/or my home catching on fire. XXXX insures my home, so it would be ironic if my house burned to the ground because of XXXX 's poor handling of this situation. 

I have contacted each company multiple times by phone and by mail ( I included copies of the last letter i sent ). I would be satisfied if XXXX XXXX XXXX or Rash Curtis & Associates sent a proper electrician to my home, remove the camera system, and repair all damage caused by the installation. Of course, I do not want any damage to my credit rating because this absolutely was not my fault, and I went beyond what the average person would do to try to resolve this situation. I called and sent XXXX XXXX XXXX and Rash Curtis & Associates multiple letters clearly explaining the problem and they completely ignored my request for resolution.
Consumer complaint received 2022-01-30
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: Mercedes Benz Financial Services (NV)

I have the following fraudulent inquiries in my credit report. Mercedes Benz Financial is not cooperating with the investigation or willing to remove fraudulent inquiries. 

Fraudulent Inquiries : XXXX XXXX XXXX XX/XX/2021 MB FIN SVCS- XX/XX/2021 XXXX XXXX XXXX ( Auto ) - XX/XX/2021 2021
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

For long time, its 's been a struggle with this company! I have sent in numerous complaints thru this website regarding them. I am so tired of dealing with them. I want this situation to be fixed! 

Our house is to be auctioned on XXXX, XXXX of 2022. We recently filed a loan modification with them and it got denied. We sent in an appeal and it got denied. The reason for the denial is because of credit and income, which doesn't make any sense because we got approved before. We completed the trial payments and because something happened with the paperwork, it failed to complete. The money is in their possession. 

I called again and the representative said that we have 5 days prior to auction date to fill out another modification ( On recorded line ) which we did. It's now in their possession. 

I want a remedy to this asap. I don't want to keep doing this. I don't know why they are making this difficult. They know that they have a bad reputation and complaints. 

Please get this fixed already!
Consumer complaint received 2021-09-05
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: EQUIFAX, INC. (IA)

To Whom It May Concern I have discovered a Hard Inquiry on my personal credit report that is fraudulent. I was told by the credit organization Equifax to contact the company directly to dispute the error. I did to no avail, as the company known as XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX denied my claim. I returned the dispute to Equifax and they too are not willing to remove the error. This is clearly fraud. I have no interaction with the this company nor have I ever requested any services from them ever. I have previously been a victim of identity previously. This Hard Inquiry posted as of XX/XX/2021.
Consumer complaint received 2022-01-31
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. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (CA)

This complaints is directed to a company called AFFIRM Inc. They've been trying to collect from me the amount of {$780.00} plus interest even though the money they've loan got refunded by the airline company aka ( XXXX XXXX ). The situation started when I book myself on XXXX XXXX for XXXX XXXX and apply to AFFIRM Inc. to cover the payments. But upon 10 days before the flight I receive an email from the airline Co. that they are canceling the flight due to the country ( XXXX ) is on lock down because of Covid 19 increase cases in the country for a month. I naturally inform them immediately of the situation by calling them and informing the on their website which lead to email correspondent. Upon informing on what's happening the only answer they told me is that they will get back to me after they confirm about the situation. After that I did not heard from them so I follow up by calling and taking to one of their customer service representative about status of the cancelled transaction which she inform me that there's no answer yet. After XX/XX/XXXX I receive an email telling me that I am past due on my payment so I decided to check with the airline Co. if the funding they covered for the booking got refunded. My answer from the XXXX XXXX is YES they got refunded automatically due to the cancellation. I email them of what the airline co. inform me and told them that I do not owe them any payment cause the service has not been rendered and the payment was refunded to them back. After that they automatically keep billing me and I email the back reminding them of the refund they already receive. After a month later I've been checking my FICO score thru XXXX and that's the time I've discover that my score drop down tremendously to good to bad because of their claim that I am not paying on time even though I did not pay them at all not a single cent. I have file a complaint about the issue thru XXXX they said that they will send the topic to AFFIRM Inc which they did nothing about it and they continued maintain that in my record. I again file complain to XXXX telling them I got records and evidence which I send to them by mail. I call them to do a follow up they acknowledge that they receive my document and inform me that they do not want to anything about it and that is the time they inform me to go to your website CFPB to present my problem to your organization. I am hoping you can help or find me remedy to my problem. Thank You.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (DE)

I have disputed this account with the credit bureaus and SIMONS AGENCY INC, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act, Bankruptcy Reference : XXXX, US BANKRUPTCY COURT- XXXX , Chapter XXXX has violated my rights. 

The time for this has expired and should have been removed. 

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 2022-01-28
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: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.