davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I saw that Midland Management reported on my credit and disputed it twice. I also saw that the original creditor was XXXX XXXX. I called the number for Midland Management thats on my credit report and gave them all my information to check if the debt was valid and they have no records of the debt. I also called XXXX they also have no records of this debt. 
The amount they are seeking is {$1300.00}.
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

I purchased a new vehicle in XX/XX/XXXX and was under the impression that I was trading in this car. Instead it was repossessed. Once I found out the car was repossessed the amount that is showing on my report is increased. They are stating the amount of the loan is more that it was originally. Therefore the car was sold in which I was never made aware of the amount that is was sold but the amount that is still showing on my credit report is wrong and derogatory and the balance is still updating every month although it is a charge off and balance showing incorrect. I do not know why the car was never traded in because that is why I was able to purchase another vehicle in which I have no problem with so this situation is reporting falsely on my report and has been.
Consumer complaint received 2021-08-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

I spoke with customer service on several occasions regarding my balance not going down enough for the money I've been paying. I did three balance transfers in XXXX of XXXX totaling {$8500.00} to a balance of {$4500.00}, beginning the total around {$16000.00} and something including the balance transfer fees. I have paid a total of {$8100.00} from XX/XX/XXXX to XX/XX/XXXX and my balance is just at {$13000.00}. I have a couple of recurring bills that are added every month but that only totals {$190.00}, and has since been reduced to $ 117 monthly. The last statement from XXXX states I have paid {$340.00} in fees, which I am thinking is the transfer fees and {$1000.00} in interest. Those two totals are {$1400.00}, so if I paid $ XXXX $ XXXX {$6700.00}, where did the rest of my money go because my balance is not going down hardly any. I paid {$1000.00} every month for five months, {$850.00}, {$700.00}, {$500.00} two or three times and it did not even put a dent in the balance. Chase has been taking my money, stealing it. I am contacting the BBB also to make a complaint. The interest rate is 14.99 % for regular purchasing and the balance transfers is on a promotion until XX/XX/XXXX. So, the credit card company says they put money towards the minimum balance which was only be {$220.00} which is for the promotional balance, part went to interest, which is usually around {$90.00} a month. Then a piece also goes to the regular balance, but yet both balances are only {$1000.00} or so below the original balances. Can I please have some help, I can not afford to keep paying money to them and nothing is helping my balance. I made two payments this month to see how it would help and it went down slightly. I can be reached at XXXX XXXX XXXX XXXX with any questions or by seem email XXXX. Thank you for your attention to this matter.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian, has been allowing an unknown 3rd party to edit the data on my credit membership account. Someone has added an unknown Pin to my account changed my profile address on multiple occasions and now for over 45 days I have been unable to access my PAID Experian Membership account online even with the correct login and password and several attempts to access the account by paying the {$19.00} that they say that I owe them. It never takes the payment from any debit or credit card that I try to use. 

My credit score has dropped over 35 or more points during this time that u have been unable to access the account or my credit report. They are reporting addresses and accounts that have not been validated or verified and I DON'T HAVE ACCESS TO ANY OF IT. 

I called today to their customer service office and spoke with XXXX agents, XXXX # XXXX - He said he reset the account and cancelled the membership and it shoukd be accessible by me within XXXX mins. I still am unable to login to my account and am stuck behind this fake paywall. 

XXXX # XXXX - He was asked to file a dispute on an unknown file that keeps being added to my account, and then after asking me for my current address, UPDATED my address without my knowledge which then left me unable to Verify questions or an unknown Pink number that he claims has been on my files since I made the account. I have never placed a pin number on this Experian account. So now I am essentially completely locked out of my Experian credit file for 3 days he says until the system can generate new security questions. What in the entire **** is going on here?? 

Agent # XXXX - A COMPLETELY unhelpful " Supervisor ' with a terrible attitude and no information to give me on A. Why can't I LOG INTO THE ACCOUNT ONLINE ON MY SIDE B. Where did the account pin come from? 
C. WHEN WILL I BE ABLE TO LOG IN TO MY ONLINE ACCOUNT AGAIN?

D. WHY does a PAID Member NOT have " Security Questions '' all of a sudden? 

She proceeded to hang up on me because I repeatedly asked her these same three questions. This is absolute unfair and I am at my wits ends with Experian and XXXX  and their fraudulent reporting behaviors and data privacy hacks and leaks. 

This is like my XXXX complaint. Meanwhile, I STILL can not access my Experian Credit information XXXX + days later.
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-07-06
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: SYNCHRONY FINANCIAL (NJ)

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/TJX Account XXXX : XXXX This is not mine.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Its over the 4yrs statutory limitation in Pennsylvania but 7yrs has passed. Equifax has it on file for 8yrs. Also I dispute the accuracy of XXXX XXXX, dates and amounts are different on all 3 credit bureaus.
Consumer complaint received 2021-08-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX XXXX {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!
Consumer complaint received 2021-08-25
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( Equifax ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as 2 late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a checking and a savings account with Capital One. I have not used these accounts much in the last few years, as I spend most of my time outside the United States. Recently, I received some payments into the account, after providing the account number and ABA routing number to a friend who owes me money ( from a loan I made to her during the lockdowns ). Capital One has now blocked the account, but did not provide any information about the reasons for this in writing or by email. When I called them, after being on hold for more than 15 minutes, they told me that they believe there is something suspicious about the payments received in my account and that they will close the account, without paying out the balance of almost {$2400.00} in the account. I was of course shocked by this and asked them what I had done wrong - but they could not give me an answer. I then asked if they would communicate this decision and their reasons for it to me by email or in a letter ( with a strong preference for the former, as we are in the 21st century ), but to date they have done neither. This leaves me in the situation that I have a substantial amount of money sitting in an account, but can not access it and do not know what I have supposedly done that would justify this decision on the part of the bank. 

To me this feels as if the bank has stolen my money, without providing any valid reason for doing so and without even communicating this decision or any reasons to me in writing. Surely that is not possible?
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-08-26
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

Conns Appliance is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

Conns Appliance also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems Conns keep selling my information
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

We refied a year ago XXXX with XXXX, and soon got notice of mortgage change of where to send payments, then it was CMC/SLS, and then just SLS ( Specialized Loan Servicing ), an LLC out of XXXX, also in XXXX. My property taxes went up and my escrow increased by {$120.00} in XXXX. I was not aware of it, but got late payment letters, after the fact, the even though the XXXX payment had been made, and the XXXX payment was made on the day I spoke to them. I changed to the new amount in my auto pay, but it did not save it, so the the XXXX shortage occurred in XXXX, and here came the letter with the XXXX late fee, a week after I had already sent the XXXX the day XXXX spoke to them, I believe on the XXXX. So SLS already had the electronic payment on the XXXX. I called to question it, and removing the fee has to be approved by the cashier dept. which I will have to call back in a week to check status. 
It is constant hassle and nickel dime churning. I have never had to make so many calls to a deal with a mortgage payment. It is like dealing with some sleazy collection agency. 
I don't believe these mortgage collection entities existed prior to the housing collapse. A residence is very personal to most people, and it leaves a bad taste to have your home mortgage sold into the clutches like grist for the mill. How is this allowed?
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (PA)

{$4800.00} was stolen from my account at WSFS bank. Someone stole my {$18.00} check from mail, crossed out the original amount, wrote the new one underneath and deposited using the ATM. My bank did not see any red flags with that check, that was clearly a fraud and released my money to that person. I reported this to the bank location and to police. I was told at the back that they would need up to 90 days to investigate the incident. They refused to do the provision of credit. I don't know how that kind of a check could be accepted by any American bank and why I have to pay for their mistakes. Needless to say that I am finishing my XXXX relationships with that bank. I can not do it until I get my money back. I am asking you to help me to get at least a provision of credit. I need to be able to pay my bills. I know other banks do that. The way I was treated at that bank is unacceptable after all these years I stayed loyal to them.