davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I returned the XXXX XXXX items in their self shipping label and they are trying to collect for items that I returned. If they just go check their XXXX for the tracking number, they could prove that I sent it in. XXXX XXXX refuses to talk to me and says that I need to speak with Diversified. Diversified says I need to speak with XXXX, so they just keep pointing the fingers at each other and nobody wants to do anything. If they simply check on the tracking number, they will find that it was returned and this debt does not belong to me.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MO)

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. 
XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws.

Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (FL)

I had two separate Jared gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments
Consumer complaint received 2023-04-07
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. (IL)

XXXX : XX/XX/2019 I have been reporting this account on my credit report as inaccurate information. According to the FCRA 15 U.S.C. 1681 ( a ) ( 1 ), creditors must report accurate consumer 's information on credit report. I have the right to see the investigation that took place to verify this account on my credit report. According to the FCRA, you have 15 days to send me the investigation that has taken place to verify this account as accurate or delete the account from my credit report.
Consumer complaint received 2019-10-09
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: MARINER FINANCE, LLC (TX)

XX/XX/XXXX i was contacted by XXXX  XXXX XXXX inquiring if i had opened an online bank account. I stated no. I was told an account had been fraudulently i opened using my information. I was also told a solicitation check bearing my information sent to my address by a company named MARINER FINANCE was deposited in this fraudulent account via an ATM Machine, hence creating some type of loan in my name. I subsequently was told by my UNITED STATES POST office that all our boxes had been shut down in the neighborhood due to mail theft, vandalism, stolen mail ongoing. I immediately located this MARINER FINANCE company branch and notified them of the IDENTITY THEFT & FRAUD. I obtained a copy of the fraudulent check from them. I then notified XXXX XXXX of fraud and filed IDENTITY THEFT WITH THE FEDERAL TRADE COMMISSION, POSTAL INSPECTOR & POLICE DEPARTMENT. I also froze all of my credit reports and placed fraud alerts. MARINER FINANCE refused to give me a corporate office to send IDENTITY THEFT reports, police reports to. I located the corporate company and mailed with tracking all reports and demand to clear account and my name. along with furnishers. Deceptively they have reported this FRAUDULENT account to my credit report transunion, maybe others now as well. they continue to send me mail, statements etc ... completely ignoring this is IDENTITY THEFT & FRAUD. Ignoring the police reports, federal trade commission reports, documentation provided to them Adding to this victimization of me as an IDENTITY THEFT VICTIM, the copy of the stolen check that I recived UPON MY FIRST NOTICE TO THIER LOCAL BRANCH, on the back information THE THIVES FILLED OUT- NOT my signature, NOT my email, NOT my birth date, NOT my phone number, NOT my handwrighting, Also state in several places '' 2 FORMS OF ID REQUIRED obviously that was not done.As per XXXX  XXXX XXXX fraud Department this was deposited into an ATM machine. This is the worst deceit i have seen from any company.RANDOMLY PRINTING CHECKS WITH PEPOLES SOCIAL SECURITY NUMBERS, PERSONAL INFORMATION ON THEM SHOULD BE ILLEGAL! I DID NOT REQUEST THIS NOR DID I HAVE ANY DEALINGS WITH THIS COMPANY EVER. HOW DID THEY GET THAT INFORMATION IN THE FIRST PLACE?
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Noyes Law Firm P.C. (ID)

My wages are being garnished for non-judgment spouse for medical debt that belongs to a man I am not legally married to. Supporting documents include : date he and I were married and date he and his first wife were divorced showing that he was still in a legal marriage to his first wife at the time of our marriage. This is called Bigamy and voids out my marriage to him. I filed a claim of exemption showing this fact but I am still being garnished and have to appear for a hearing.
Consumer complaint received 2019-06-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Greentree & Associates (NJ)

Please help us! Since XX/XX/XXXX we had Green tree which switched to XXXX in XX/XX/XXXX! 
Green tree would collect our temp mod payments and then decline us after two pays and tell us to reapply! We did this three times! 
The first Time was with the HAMD modification and our mortgage was to be XXXX ( paying reg mort at XXXX ) we payed first two pays and then they pulled this out!

Told to red mod and it happened two more times! 
They then switched to XXXX which accelerated our {$270000.00} loan to {$350000.00} for not paying the Green tree modifications help!
Consumer complaint received 2019-06-18
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (FL)

I had two separate XXXX gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments
Consumer complaint received 2022-07-10
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. (NC)

I did not open a XXXX XXXX credit card on XX/XX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, transunion, XXXX have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (NY)

XXXX and Paypal wont let me in my accounts. They do not seem to care. I have other thing to do. I have Civil Rights, I want access to my Paypal and XXXX Acoounts. Look ITS MY MONEY. I WANT IT ToDAY, not tomorrow.
Consumer complaint received 2019-06-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC (TN)

I refinanced my auto loan from Flagship Credit Acceptance to XXXX   XXXX XXXX XXXX. The check was sent from XXXX XXXX on XX/XX/19 and  according to the USPS tracking number was received by Flagship Credit Acceptance at XXXX on XX/XX/19.  Upon checking my Flagship account on XX/XX/19 I noticed that the payoff check had not been applied. I called XXXX XXXX to verify the address the check was shipped to was correct and it was. I then called Flagship and got a rather nonchalant customer service agent who said there was no record of receiving the payoff check from XXXX XXXX. I then called XXXX XXXX and had one of their agents contact Flagship while I was on the line and suddenly they verified that the check had been received and the payment would be applied within the next few days ... however the check from XXXX XXXX was dated until XX/XX/2019. Today is XX/XX/19. This is a concern along with the fact I paid for GAP insurance which should be refunded upon car payoff but I'm not confident that Flagship will do the right thing and promptly send my refund.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (FL)

I had a disputed debt with XXXX XXXX about 7 or 8 years ago. They charged me twice for a cell phone and I could not get the company to fix the problem. ERC told me that if I paid them half the amount claimed that they would fix my credit report to show the debt had been satisfied. I paid the money to ERC because they said it was too late to settle with XXXX. The payment was made to ERC about two years ago and then I got a collection letter from them and phone calls were made incessantly to me and they would not listen to reason. The company are extortionists threatening to ruin your credit and then doing just that even when you pay.
Consumer complaint received 2019-06-18
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. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dispute reason : remove this account because the Date of status date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX XXXX Date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation After what is known as an investigation that was conducted and completed by the CRA, Experian report still shows the Date of status date didn't change/updated and inaccuracies and blatant violations.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made a purchase for {$59.00} on XX/XX/XXXX. I paid the bill through on line banking on XX/XX/XXXX. The purchase was still on the statement that I received in XX/XX/XXXX along with a late fee and interest. On XX/XX/XXXX, I sent a letter to Capital One with documentation from XXXX XXXX  that the bill had been paid. On XX/XX/XXXX, I was advised that the matter was being investigated. I was asked for documentation from XXXX again and sent it to a fax number that had been given to me by a customer service representative. On XX/XX/XXXX, I received a letter telling me that the dispute was closed since Capital One had not received a response to its prior letter for more information. When I called, I was told that the customer service person had given me the wrong fax number. I faxed all documents to the new fax number that was given to me on XX/XX/XXXX. On XX/XX/XXXX, I called to ask for status. I was told that I had to get a transmission form from XXXX XXXX  and I was given a fax number for the form ; form sent on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told that the form was not received because the fax number was incorrect. On XX/XX/XXXX, I was in a conference call with Capital One and a representative of XXXX. XXXX faxed proof of payment to Capital One. As of today, XX/XX/XXXX, Capital One states that the proof of payment from XXXX was not received and that my original payment did not have the complete account number on it so the money paid was not credited to my account. XXXX has advised that the complete account number was on the electronica payment made on XX/XX/XXXX. My {$59.00} purchase now has become {$250.00}.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (TX)

I wrote Check # XXXX in the amount of {$280.00} on XX/XX/19 payable to XXXX XXXX for my XXXX. The employee took my check, ran it through the machine, but would not give me my check back. The other employee told her that it did not have VOID on it, so they had to retain the physical check. When checking my account, I discovered that the amount was electronically debited from my account on XX/XX/19, and then the check was run through my account on XX/XX/19. I filed the appropriate paperwork with my bank concerning the duplicate debits so that they would correct the error. I subsequently received a collection letter from TRS Recovery Services concerning the electronic transfer. I immediately wrote a letter to dispute the validity of the debt, dated XX/XX/2019. I have now received ANOTHER collection letter, threatening to begin contacting me by telephone & further collection action. I have called TRS Recovery Services to tell them that I am going to report their harassment to the proper authorities.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I submitted an IBR recertification form on XX/XX/24. OnXX/XX/24 I received notification from MOHELA that the recertification has been denied. I spent over 2 hours on the phone with MOHELA representatives on XX/XX/24 and was unable to reach anyone that could assist me with either explaining the reason for denial or assisting me with entering a payment plan that is eligible for PSLF.
Consumer complaint received 2022-11-17
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. (NC)

In a accordance with the fair credit reporting act XXXX XXXX XXXX  that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX 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 2019-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XX/XX/2019, amount paid to me {$3000.00} dollars check. I need proof that this amount was paid to me on the date that's shown above from One Main Financial. Additional to that, XX/XX/2019 I need proof in writing with a copy of check from One Main Financial. {$5300.00} amount paid on prior account, XX/XX/2019. However, I was accused on XX/XX/2019 that I claimed I wanted to refinance and takeout an additional loan for my XXXX XXXX of {$5300.00}. The representative who was working with my title loan on XX/XX/2019 and XX/XX/2019 is ( XXXX XXXX ) she the one claimed that I said I wanted refinance my loan and I takeout additional loan in her possession. I had spoken with the Manager ( XXXX XXXX ) on multiple occasions regarding my concerns of what I state above, at the location in XXXX Ca. However, she redirected to the Executive Office OF Customer Care name ( XXXX XXXX ) sometimes inXX/XX/2019 I had spoken with her with the issues of above. For some reason, I am not getting the information I need to settle my account with the accurate Amounts. ( Amount Financed and Finance charged ). I definitely recalculated the amount that supposed to be issued to me on XX/XX/2019 by check. And the amount does not add up in my calculation. And numbers don't lie. So please take my report in your consideration. feel free to email : XXXX XXXX