davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I XXXX XXXX attempted to call Pro collect on XX/XX/XXXX to make a settlement for deletion with Procollect. A week prior to this i called and spoke with a lady who informed me the offer was valid and i was able to make a settlement, this time when i called they informed me that i was sent an offer to settle for deletion but missed the deadline. The balance was due in full. I informed them i would not be making full payment, but instead insisted the offer i was sent and spoke about. They would not honor the offer and the verification of their employee. They informed me i was being recorded so i know for a fact they have record of that conversation. I would like to settle for a deletion from credit repotting agencies. They call my place of employment and during after hours which is also a violation of the laws set forth. Upon ending the phone call the lady informed me i would be marked as a refusal to pay, Im not refusing to pay, I just want the offer that was extended to me. Not a bait and switch
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services (CA)

I performed a search on the internet for quick money and/or need money fast. I received roughly 20+ calls from these loan sharks. Now I still do not know the name of the original company but I believe this is the company that is now having some " legal '' department call myself, guessing at people I know. Jeopardizing opportunities I may have for employment by calling people that are links on my XXXX  account etc. They continue to call and threaten harass and state they are going to serve me papers and tell every type of person I mentioned above that they are going to serve me papers and list some case number and other Personal information, addresses new and old are given out from the collector to people I do not even know. I know what whomever they may be is doing they are trying to scare me with this serving papers and calling my colleagues some times up to 4 times a day. Some of these people tell me they feel like they are in trouble with the wording this attorney or internal to whomever this original collectors uses. I do not remember receiving any lpan let alone a specific amount. They tell me and all the people they think know me that they are going to send me legal documents and again list some erroneous case number that matches nothing in the California open limited civil cases. I know they do not have such papers at least in my county where they would need to be filed so I know that is a lie. My biggest issue is that these people can ruin my chances of finding employment and secondly at this point cause additional XXXX XXXX  related to overwhelming worry and stress. May be that this inbox loan preys on the desperate. Regardless I have know idea what to do. They are truly acting like the mafia and jeopardizing by ability to gain employment. I am afraid for my life and want the to stop their scare tactics and more than 3 calls a day to myself and others. They switch around the list of who to bother each day. They do not have an idea who they are calling and just call any and all to give out personal information
Consumer complaint received 2023-08-20
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. (TX)

I am writing to request the immediate correction of inaccurate information on my credit report. Specifically, I am referring to the payment history for my XXXX XXXX XXXX XXXX XXXX XXXXXXXX - account number XXXX, which inaccurately reflects a late payment for XX/XX/2021. 

As per the provisions of 15 USC 1681s-2 ( a ) ( 2 ) within the Fair Credit Reporting Act ( FCRA ), creditors are mandated to report accurate and complete information to credit reporting agencies. Additionally, in accordance with 15 USC 1666b, I am requesting that the payment history for XX/XX/2021 be updated to accurately reflect a positive and current payment status. 

To address this matter, I kindly request that you provide me with documented proof of the alleged late payment in XX/XX/2021. It is imperative that I have a clear understanding of the basis for this reporting discrepancy. 

I urge you to investigate this matter promptly and make the necessary updates to my credit report. Your assistance in ensuring the accuracy of my credit information is greatly appreciated. 

Please provide written confirmation once the correction has been made and the documentation of the late payment has been furnished. 

Thank you for your attention to this matter and your prompt resolution of the issue.
Consumer complaint received 2023-01-23
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. (TX)

This is a CFPB Complaint I am submitting regarding the Fraudulent accounts and information I found being reported on my Credit File. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPOT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that you are expected to comply with the Fair Credit Reporting Act section 605b and remove the disputed items within the time allowed by law, so please do so.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase decided to close my account without providing a reason as to why. At first, I was upset but then I was promised by the phone representative I had spoken to that I would receive a check for the remaining funds in my sccount within ten business days. That was back on XX/XX/2019. I wanted until XX/XX/2019 past the ten business days and still not check. On XX/XX/2019 I received through mail a monthly bank statement that shows a Debit DDA - Check Charge for {$1000.00} the exact remaining amount I had in my account. When I called Chase again no one could answer my question about this charge or when I was supposed to receive the check for my remaining balance. It is now XX/XX/2019 and still I have not received the check for my money.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

Sent payment via money order for settlement offer. Post office receipt confirms arrival date of money order wasXX/XX/XXXX. The payment was dueXX/XX/XXXX. The company shows online they did not post payment to account until XX/XX/XXXX. They are still trying to collect the remainder due to the date they posted payment to account after the due date.
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XXXX XXXX I, XXXX XXXX XXXX was approved for a vehicle loan with my bank ( USAA ) and it was transferred to a dealership that was found online in XXXX   and USAA stated " they looked up their dealer license and was recognized by the DMV '' I am an XXXX XXXX military member living in XXXX  XXXX. on the XXXX of XXXX was the last I had heard from XXXX XXXX ( the dealer ) as he stated " the transport vehicle had a flat tire and I am figuring out the status myself '' I since then his phone number has been disconnected. and I have not received a vehicle, USAA did not receive a title and USAA said that " we are sorry but you are stuck with the loan ''
Consumer complaint received 2019-12-20
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)

I am a victim of identity theft and mailed in my identity theft report to XXXX, XXXX, and Experian and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and mailed in my identity theft report to XXXX, Transunion, and XXXX and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.
Consumer complaint received 2019-12-20
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. (WI)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Consumer complaint received 2019-12-20
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: EQUIFAX, INC. (WI)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Consumer complaint received 2019-12-20
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: Experian Information Solutions Inc. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-01-23
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-12-20
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: EQUIFAX, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-12-20
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. (NY)

DEAR XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT OPENED : XX/XX/XXXX ACCOUNT CLOSED XX/XX/XXXX ACCOUNT # XXXX AMOUNT OWED : {$17000.00} SINCERLY, XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

Someone opened a fraudulent account using a Home Depot credit card approved by Citi Bank on my credit report. I disputed the card and Citi removed the account from all three agencies. Then they turned it over to a collection agency who called me and I had to try and explain this whole mess. Now their Cardmember Services sent me a letter saying the account was valid yet it has been removed from all of my credit reports. I have called several times and get thrown around from one department to another. I tried calling the Home Depot CardMember Services but cant get a human because there is no account anymore. By the way I have a legitimate Citi Bank card Ive had for over two years in perfect standing. Im locking this account and using another card I have. These people are incompetent and I am exhausted from dealing with this for 3 months. I am complaining because they need investigated for harassing people with their stupidity. My credit has been over 800 most of my life and I am XXXX XXXX XXXX.
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

Genesis Credit shows I opened two accounts with them. I have just one account with them. Below is a log of my contact with company : Called XX/XX/XXXX and was told to send copy of credit report. Faxed on XX/XX/XXXX Called XX/XX/XXXX to see status. Was told it takes 5 business days to receive a fax. 
Called XX/XX/XXXX. Was told to refax information again Started dispute with XXXX on XX/XX/XXXX Faxed again on XX/XX/XXXX Called again on XX/XX/XXXX. No help once again. 
Filed complaint with XXXX  on XX/XX/XXXX. 

My credit report with XXXX still shows two account with Genesis Credit. The results from the XXXX dispute does not address the issue I filed with them.
Consumer complaint received 2023-07-13
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. (PA)

Experian XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says Experian XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX {$300.00}
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I checked my account, as I do every day. I saw that the account was overdrawn so I attempted to deposit a check via the mobile app, but it would not allow me to get online. I tried the app on my phone, my husbands phone and, worrying that it was a problem with XXXX  phones, had my daughter load it onto her XXXX. I could not access the app from anywhere. I immediately contacted the bank because I did not want to get a late fee simply because their app wasn't working. However, I was charged a bounce fee anyway. I asked that the fee be reversed and they refused. I use the app because it is often difficult to get into the branch. They provide the app as a convenience that I took advantage of. The fact that THEIR APP was not functioning correctly is the SOLE REASON the funds were not in the account.