davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2021-03-17
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: National Credit Systems,Inc. (NC)

National Credit Systems and XXXX XXXX XXXX are reporting a balance of {$1900.00} on my credit report for collections. This account does not belong to me. It belongs to a family member with a similar name as mine. I called both the collection agency and the apartment complex and they both agreed it was not my debt but refused to remove it from my credit report. I dont even know how they got my social XXXX number as I was told I was added as an emergency contact on the application. I disputed this debt as it does not belong to me and they are refusing to remove it. The credit collection agency also gave me a lot of private information on this account that I would think is against the privacy rules for the account holder as well. I am reaching out to ask for assistance in having this debt removed from my report as it is inaccurate and it is ruining my credit as well.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-17
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: JPMORGAN CHASE & CO. (SC)

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
JPMCB - CARD SERVICE inquiried : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maury Cobb, Attorney at Law, LLC (FL)

Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to resolve this matter on my own several times. I have not received a response from them in over 120 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. I sent them letter requesting to reinvestigate several times no response as of yet
Consumer complaint received 2021-03-17
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: GLOBAL PAYMENTS DIRECT INC. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2023-10-21
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: Federal Adjustment Bureau, Inc. (OH)

I have eviction filings on my credit report that were dismissed by the court and should be removed from my report, also one with a mobile home that I purchased, I was never evicted from the mobile home because it belonged to me, I want them off of my credit report because it is wrong, I have never been evicted from any properties, Thank You
Consumer complaint received 2021-03-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XX/XX/XXXX Summary : XXXX XXXX XXXX, XXXX Credit Card XXXX received a judgement in courtment for a XXXX mortgage debt of {$14000.00}, back in XXXX on my townhouse residence at XXXX XXXX XXXX, XXXX, VA XXXX. They also received a lien against my residence via this court judgement. It is ironic so far incidental, in the 3 chapter 13 protection instiuted in subsequent years, last one instiuted by self filing, without attorney assistance, in XXXX, XXXX. The current XXXX party debt collector who claimed in my previous CFPB complaint about a year ago, that they had purchased this " defaulted asset '' ( but not the liabilities by previous FICA attorney and XXXX parrty debt collector phone and other harrasment tactics that also required me to file CFPB complaint going back to XXXX. 

In my end, when foreclosure notices were received previously, I sought legal assistance via XXXX, who is the probono legal service for low income families such as myself. XXXX failed to establish non-legal communications with FICA, and suggested Chapter 13 protection for the first time, XXXX XXXX. XXXX ( XX/XX/XXXX )., XXXX XXXX XXXX, Attorney, XXXX XXXX XXXX XXXX. # XXXX, XXXX, VA XXXX, XXXX : XXXX was referred as legal help. XXXX XXXX is a specialist in Chapter 13 & Chapter 7 Bankruptcy protection. On the second time that FICA attorneys filed foreclosue, XXXX XXXX. XXXX XXXX XX/XX/XXXX ) was institued. The 3rd one, institued on XX/XX/XXXX was done self filking basis and without legal assistance, when XXXX XXXX was not available, and I could not find any other legal assistance via other means. This 3rd Chapter 13 case was dismissed last week, XXXX, XXXX by the Trustee and the Judge in this case. 

In the meantime, the current debt collector, against whom I had filed a CFPB complaint has refused communication via my legal representative, and continued their weekly harrasment and claim that the XXXX 2nd Mortgage judgment of {$14000.00} is now exponentially grown to over {$55000.00}, owed. And that they have purchased this " asset '' but not the FICA previous " debt collection systematic harrasements '' libailities, for which several CFPB complaints was filed by me, going back to XXXX. 

XXXX, located in XXXX XXXX XXXX, UT have sent me threating certified mailed letter last week, beside the 2 or 3 weekly mailing I have been receiveing from them for more than a year, with claims of escalating owed money of over {$55000.00}. 

This current claim by XXXX comes from the 2nd Mortgage default judgement, going back to XXXX, awarded to FICA card services division of XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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: Bread Financial Holdings, Inc. (CA)

I have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XXXX Bank : XXXX XXXX/ XXXX Amount:0 Date:XXXX Bank : XXXX XXXX/ XXXX  Amount : {$920.00} Date : XXXX  Bank : XXXX/XXXX Amount : {$4900.00} Date : XXXX  Bank : XXXX XXXX XXXX Amount : {$6300.00}
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

Chase bank, I have been able to assess my account for months and make payments but now they have closed my account this morning. I called and explain the situation but they claimed my account was closed yesterday with us false because I was able to access and had no messages stating date of closure. I have an over draft fee on my account and was putting as little as I could to pay it off but they were saying this was over XXXX and has not been but XXXX days.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TN)

I recently had my student loans consolidated through FedLoan. TransUnion originally reported all of the Dept of Ed/Navient loans consolidated into one FedLoan. A month after consolidation, 5 of the Dept of Ed/XXXX  accounts are now showing independently on my XXXX  profile reflecting different amounts of : {$7500.00}, {$5900.00}, {$5000.00}, {$1800.00}, and {$1400.00}. Ive reached out to FedLoan and XXXX about the accounts being consolidated as they originally were but the issue has yet to be fixed. My student loans should being showing as ONE and not 6. Please resolve this issue IMMEDIATELY.
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc. (CA)

I took out a loan for {$25000.00} in XXXX of 2022. Happy Money ( Payoff ) was the intermediary between myself and the Lender, XXXX XXXX XXXX XXXX XXXX. I paid the loan off within the year but never received any official written confirmation or correspondence stating the loan was paid off.
Consumer complaint received 2021-03-17
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. (PA)

XXXX keeps on reporting my scores wrong my score spouse to be at XXXX XXXX and Equifax I have no collections on my account what so ever
Consumer complaint received 2021-03-17
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)

There are three accounts on my credit report that are not mine I have reached out to the bureaus regarding this but have received nothing back I need these gone from my account they are not mine I have not signed for them and have not used these. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (CT)

over the past year i have been a customer of XXXX.It seemed as if someone was in my account because I would be charged for things and then two days later I was being told that payments need to be revised so i would have to pay again.when I added my key XXXX bank card it has become worse.key XXXX is removing transactions off of my account such as refunds and processed payments of which I have proof of.In XXXX or 2021 there was a transaction with XXXX that required a refund which key XXXX bank completely removed any evidence of this transaction but I do have a letter from XXXX about this transaction.then on XX/XX/2021 I was charged {$120.00} by XXXX for something I already paid for that has been shipped out on XX/XX/2021 because it was paid for on XXXX system isnt showing that I was charged on XX/XX/2021 but my bank statement says so which is leading me to mu assumptions that XXXX someone professional at XXXX is working with key XXXX bank to commit fraud.they are charging me more than once for items i paid for and removing the payment and pushing the payment time up to justify the extra monety being taken sand it has been happening for over six months.I have reached out and then the next month more issues and I really feel like someone is personally targeting me.this is unaceptable because it is stealing and it is government funds they are stealing.XXXX cant seem to get to the bottom of it but this can not continue..
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (TX)

I sent this company a cease and desist on  XXXX   XXXX ,  2015 .     On  XXXX   XXXX ,  2015 , my attorney received notification that the debt was removed from my  XXXX  credit report.     Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on  XXXX , not  XXXX .
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Dear Sir, RE : PLANNED CLOSURE OF MY ACCOUNT ON XX/XX/2021. 

I was notified by Huntington National Bank that my account will be closed on XX/XX/2021. 

Huntington bank has been helping me receive my paychecks and do other transaction for close to four years and the bank has been there for me at this difficult pandemic time. I don't know, but I have not bleached any of the Banks procedures/ regulations that I know of, and I do believe sir, that the operations department may have misunderstood the facts of a situation or made a mistake. Resolving to close my account at this time make me feel deeply hurt. There is so much challenges at this time and adding Clossure of my account to my difficulties will be too much for me to handle. 

I humbly request sir, that you should please use your good office to kindly intervene and possibly remedy this situation for me. 

Thanking you in anticipation for your help. 

Yours Sincerely,
Consumer complaint received 2020-07-12
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
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 {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2024 I requested copies of loan documents showing the statements and balance of my loan accounts. The CEO refused to provide copies of the documents. He said my account balance was {$0.00} and refused to give me any proof of this or return the collateral. He said have a nice life.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

On XX/XX/XXXX, I receive a letter by mail from Receivables Performance Management LLC, telling me that I own XXXX dollars. I am confused because I never hear of their business, I never get business with their business, so I don't understand how I own a debt with this company. 
On XX/XX/XXXX I sent mail to asking the company, but I never receive a response. they put a negative mark in my credit report and I now can not get a Mortgage because of this mark on my credit and the company will no help me with this unfair situation. 

This Debt have a Original Creditor that is XXXX so I already paid the debt to them and I have the confirmation number that is XXXX