davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Upon reviewing my consumer report, It has come to my attention that XXXX XXXX and or Portfolio Recovery Associates , LLC are reporting charge offs on my report. XXXX for XXXX and the other for XXXX. According to the INTERNAL REVENUE SERVICE, charge offs are considered income and income should not be reported on a credit report. I also never received a XXXX for either charge off. This is a direct violation of 15 usc 1681s-2 ( a ) ( XXXX ) ( a ) Reporting information with actual knowledge of errors. It also a violation of 15 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report and in this case there are XXXX violations recorded on my credit report pertaining to these charge offs. 


Upon reviewing my consumer report, It has come to my attention that XXXX, XXXX, XXXX, and XXXX are reporting addresses that are no longer mailable. Please remove these at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my consumer report, It has come to my attention that Fair Collections & Outsourcing are reporting Collections on my Credit report in the amount of {$2600.00} as well as XXXX XXXX XXXX reporting an amount of {$950.00} XXXX These companies are in direct violation of 15 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report. Also these accounts are being reported as open accounts in which a collection by default is a closed account. 

XXXX XXXX XXXX ARE ALSO IN DIRECT VIOLATION OF 15 USC 1681A ( XXXX ) ( A ) for reporting my medical information and XXXX5 usc 1681a ( XXXX ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Meritize Financial Inc. (TX)

Original Balance for pay off amount is {$5700.00}. 
When I called Meritize, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I purchased 2 tickets with Chase XXXX  points and had to cancel them due to COVID travel restrictions at the destination. 

I was awarded credit to rebook travel anytime before XX/XX/XXXX. I called the Chase XXXX  department, to use the provided credit and they said their ticketing department had difficulties rebooking with my credit since XXXX no long offers the Economy Standard Fare class, which is what my original ticket was. 

Since then I have called multiple times and each call is hours ( 2-4 hrs each time ) with no resolution to use the credit and book any flights. At this point I have spent 11 hrs on the phone with Chase XXXX  and thats almost as much time as it would take for me to go to XXXX from XXXX XXXX.
Consumer complaint received 2023-11-02
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. (FL)

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 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I had a HSBC credit card which I was not using and there were no annual fees for the last several years. Without my consent they had converted the card to a credit-card with annual fee, charged an annual fee and then started auto payment ; payments were returned and then they started charging returned check fee and finance charges. I only see all of this when they sent me a collection bill. I have never used the card or consented these changes.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc. (FL)

I received a notification in XXXX about a XXXX XXXX  debt that I don't recognize. Below are the details of what I found in the XXXX report. 

Creditor Information UNITED CREDIT & COLLECTI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Opened XX/XX/2021 ( 1 mo ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NJ)

I had problems with identity theft a few months ago, this account is being reported to my credit report they claim that it is mine but it is not the result of uses of my documents via fraud I need help to solve this problem because it affects my credit. 



Name company : XXXX XXXX FKA XXXX Account number : # XXXX
Consumer complaint received 2019-11-26
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 {$120.00}. 
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 Laending 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/2019 and the subsequent response received on XX/XX/2019 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. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$120.00} -This is not my account.
Consumer complaint received 2021-09-29
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. (DE)

I contacted Equifax several times before XXXX XXXX. I explained to them how they needed to verify the items that was on my report. Once a FTC letter was carefully reviewed they removed THREE items on my report. They failed to send me documentation that items were removed 1 : Bankruptcy # XXXX XXXX : XXXX XXXX # XXXX 3 : XXXX XXXX. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from Equifax 's gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,
Consumer complaint received 2019-07-16
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: Santander Consumer USA Holdings Inc. (LA)

I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't screwed.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service Center, Inc. (DE)

Name of Collection : COLL SVC CENTER Opened : XX/XX/XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to my State Attorney General Office and The XX/XX/XXXX to have confirmation of proof if you respond without the proper validation request or not in the timeframe you have.
Consumer complaint received 2022-08-16
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. (IL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (FL)

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 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (WA)

Our loan was assumed by Freedom Mortgage and our first payment was XX/XX/XXXX. We made the payments as usual and then we started receiving letters from them, stating that we never made the XXXX payment. We checked with our bank and the bank said yes that we made the payment and gave us a reference number. 

I called freedom mortgage and told them what our bank had said. They requested that we send them that statement to their webpage. Every time I tried to log into their website it would come up on my screen with error code 403 forbidden. On this phone call the customer service agent told me that my XXXX and XXXX payments were rejected. I checked back with my bank and the funds that I used to pay my mortgage were never returned. To this day I still havent received any money from them, for the rejected payments. 

Its XX/XX/XXXX, and I made another call to Freedom Mortgage. The agent told me that because I cant log into their website, I would need to mail it to them. I have a problem with this because, I have to pay for sending the information from my bank. Sending it by mail, I would have to pay signature verification and priority mail. Its not my problem that they cant verify the payment. I asked them to send me an envelope so that I could send it to them and she said no, we dont do that. At the end of the call, she made a reference about the conversation we had and said that I refused to send them the information they requested. Absolutely false.

One other issue is, they said they were going to report me to the credit agency for nonpayment.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I had an account open for my business with Wells Fargo. The business was called XXXX  XXXX XXXX XXXX, XXXX. I had access to this account and online access to it to be able to check transactions. 

Somehow another account was opened for XXXX  XXXX XXXX XXXX XXXX XXXX, a checkbook was ordered, and over {$400000.00} was stolen in mostly {$9900.00} increments and some in larger increments. My employee admitted to forging my name on the checks in a deposition, and that I had not allowed her to sign them or to distribute these amounts. 

The signature does not look like mine. I don't know how the account got opened or how the checkbooks were ordered.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Method of verification Highly Requested I am writing to request the method of verification for dispute sent over 30 days agoand the insufficient and incomplete investigation I received recently. 
Please send the following information used to verify the validity of XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$1600.00} Items Highly Requested 1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute.

5.Also the procedures your company have in place to ensure each account is 100 % correct which I doubt.

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 FCRA, Section 616, and pursue legal action.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I checked my credit report, and there is a debt with a {$680.00} amount. I have tried to get a debt validation by sending a letter. No information or response has been given to me. It is now way past 30 days. I sent a letter in XXXX. I would like for them to validate this debt. I would like evidence that I owe this debt to NCA. I have never had any business with them. I do not need verification of my address. This company is not following reporting and validation guidelines of the FCRA. If this can not be validated I would like it removed.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I am requesting that US Bank remove my PMI. I have paid extra towards the principal and I am now below the 80 % threshold. I was told that I need another appraisal to prove that the value of the home has not fallen below the original value. They have the original appraisal and I do not see why since the loan is based on that appraisal. I also do not see why I need to incur additional expenses to have my PMI removed since I am at 78 % of the original value of my home.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

ON XXXX XXXX i went online to purchase an XXXX  for my daughter so she could do her school work but my card was being denied so I contacted XXXX because they blocked my card because someone was using it to buy games, so wheni called the number so they couldn't unblocked my card the said they could help me, the told me to download an app so they couldn't send me a code, XXXX send me on my bank app so he approved the payment and I didn't get anything, he told me he would refund the money but nothing i contact my bank and they wouldn't help me, I call the number they use to scam me everyday and it pain my XXXX because they are still scamming innocent people please help me and other victims, The contact number for the slammer are XXXX the email for them is XXXX XXXX
Consumer complaint received 2022-08-16
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. (WI)

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 any item 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  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.