davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Finmax Smart Capital LLC (TX)

Someone named XXXX XXXX called me from XXXX regarding a important time sensitive matter reference to account number XXXX and asked to call back on XXXX ext. XXXX. They not only contacted me personally but also my relative regarding my information. However, in the voice mail that was left, he does not mention what company it is from and what it is for. In addition to the phone call I also received two mailing list email from FINMAX. It claims that I took a loan with creditor name XXXX XXXX ( Which in fact is not even a legit loan provider. ) I have never taken a loan from them and the email that was sent was very specious. Both the phone call and email was sent around same time at 5:45 PM CST on Thursday XX/XX/2021.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation (CA)

Patenaude & Felix A.P.C is attempting to collect a charge off account which is not mine. The debt was disputed with the alleged creditor XXXX bank all communication was ignored and they have since charged off the alleged account. Patenaude & Felix A.P.C are now sending scare tactic letters referring to a judgement. This is clear violation of my rights under the FDCPA. I have contact the credit buerus and issued fraud alerts as I have never conducted business with Patenaude & Felix A.P.C.
Consumer complaint received 2021-12-17
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-02-27
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. (MI)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX  XXXX ; Inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022.
Consumer complaint received 2021-12-17
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX : XXXX XXXX : U S DEPT OF EDXXXX ( Original XXXX XXXX XXXX  ) : U S DEPT OF EDXXXX : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to these collectors in an attempt to exercise my rights against these fraudulent accounts. I will sue for remedy and compensation should these accounts not be removed from my credit report according to 15 USC 1692h
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

My husband is currently XXXX to XXXX. The credit card is under his name, i have submitted the power of attorney and this company refuses to speak to me and keep charging me interest. I have been calling since XXXX and everytime i call its a different story and that they havent recieved it. I have mailed, faxed and uploaded the paperwork. i need help. I am under the SCAR act and its unfair to be paying all these fees, {$40.00} since 3 months now.
Consumer complaint received 2021-12-17
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: CLGF Holdco 1, LLC (IL)

I have disputed with XXXX 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after XXXX  dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is Indigo credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from indigo credit card
Consumer complaint received 2022-09-14
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2015-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services (NV)

I keep getting calls from this debt collector, stating that they are taking me to court and have been " trying to serve a summons '' for a debt we do n't even owe to XXXX XXXX. I called XXXX XXXX and they have no record of us owing any $ $ - since we closed our account with them in 2009. Caller said she was XXXX XXXX and that a court summons would be served between XXXX today - no court summons was served. Said we had to call XXXX and reference XXXX or they would freeze our bank account. She called my place of employment. How she got that #, I have no idea. Internet search shows this is a scam. I do not want these people calling me. If they have proper paperwork, they should send in the XXXX. 

Also received calls from XXXX " XXXX XXXX '' and XXXX X XXXX " XXXX XXXX '' - all saying they are " trying to serve a summons ''.
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NJ)

Today, Credence call 77x 's on XX/XX/XXXX and 55x 's on XX/XX/XXXX and many prior times before, they call every morning stating at XXXX to XXXX and evening calling after XXXX. They are XXXX and XXXX  me daily adding to my illness. they call with XXXX, XXXX, XXXX and ocassionally unknown number directly after calling on a visual number. I have not done business with them this number belongs to me only.
Consumer complaint received 2024-02-22
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. (MI)

See Attached I submitted a complaint on XX/XX/XXXX requesting that you investigate and proved verifiable proof with records showing that I was late for XXXX  XXXXXXXX XXXX XXXX Account # XXXX on XX/XX/XXXX and XX/XX/XXXX The consumer reporting agencies have the need to report all information with complete accuracy.
Consumer complaint received 2022-02-09
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. (NJ)

In XXXX I was advised by Chase Bank through a service they provide that my address was changed and there was an attempt to open up a XXXX credit card via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that XXXX had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( Chase ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.
Consumer complaint received 2022-02-09
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (GA)

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that GM Financial has not rebutted the Affidavit I have sent them. I have already filed a CFPB complaint they responded with documents that only support my claim. The four essentials of a lawful binding contract is 1. full disclosure - I was not told that I was actually creating the credit with my wet ink signature. 2. equal consideration - gm financial brought nothing of value to the table and so they had nothing to lose. 3. lawful terms and conditions - the conditions of the contract with gm financial were based on fraud. 4 the wet ink signature of both parties. The loan form does not constitute a contract as it is only signed by one of the parties which is myself. They have failed to produce a contract that is signed by both parties. a loan agreement is a contract and so there has to be full disclosure and there was not. both parties have to put up something of equal value which didn't happen. pursuant to 15 usc 1635f I have exercised my right to rescind within the 3 year time period that bureau allows. Federal law overrides any opinion of any representative of gm financial or state law. They are accusing me of a debt relief scheme but I am a federally protected consumer exercising my rights.

GM Financial should have rebutted the Affidavit. They are making up stories and trying to avoid the facts and federal law. Gm Financial is in violation of 18 USC 242, 18 USC 241, 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ), 15 usc 1692e ( 11 ). 15 usc 6802 ( b ), 15 usc 1692d ( 5 ), 15 usc 1692b ( 2 ), I have uploaded all the paper showing proof of what i am saying today.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

CLAIM ID : XXXX I have been charged for two items under this claim that one was sent in error and returned the other was an XXXX and returned. This can all be proved and I have forwarded proof to chase.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX that i didn't give authority for anyone to run on his credit.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX  XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX XXXX  XXXX XXXX sold my home equity line  loan to XXXX XXXX XXXX. 

I made my XX/XX/XXXX payment to XXXX XXXX XXXX although Specialized Loan Servicing ( " SLS '' ) had started covering the loan. ( Copy of payment confirmation of {$38.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX received Mortgage Statement from SLS showing payment amount due of {$76.00}. On XX/XX/XXXX payment made to SLS in the amount {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$38.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$28.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX Bank attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$66.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage XXXX from SLS showing payment amount due of {$56.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX   attached. ) Received on XX/XX/XXXX Mortgage Statement from SLS showing payment due for XX/XX/XXXX {$46.00}. 

In each statement received from SLS shows the monthly payment due is {$38.00}. Each statement does not show the additional {$10.00} going towards the principal. 

I have contacted SLS customer service at least three times in regards to these errors and they have told me they were changing their software to reflect the correct information. I contacted them today and they told me that I my next payment would not be due until XX/XX/XXXX. However when I went on line to check payment activities on my account none of my {$48.00} payment are shown, in fact, the payment due on XX/XX/XXXX shows a past due amount of {$36.00} with the total amount due of {$74.00} which includes my monthly payment of {$38.00}. 

I am very frustrated, how do I know if the correct amount of interest paid to SLS will be correct for my Federal Income tax return.
Consumer complaint received 2020-03-02
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. (GA)

XX/XX/XXXX I pulled my free XXXX XXXX XXXX. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (NY)

The service was canceled and paid in full at the closing of the agreement. threatened to contact the company and damage my credit history regardless of full payment, decried to give my a proof of collections. Collection company threatened to destroy my credit by putting in false report, mentally abused me and my family by calling us again and again. 

As for the proof, refused to provide me any.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX of XXXX I recieved a letter from the IRS stating that we owe {$3400.00} for taxes due to a 1099-C from Chase Bank USA NA alledgedly dated XX/XX/XXXX. The debt was for XXXX that Chase states to the IRS they wrote off. Chase never provided me with any docutation to support the write nor had I had contact w/Chase Bank USA NA for several years prior. In addition this debt they wrote off was  NEVER listed on my Credit Report. I never recieved a certified letter from Chase bank for this 1099-C, they simply sent it to the IRS and not myself. In addition since this was NO LONGER on my credit report there would be no way for me to know that this debt still exisisted.