davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On or around XX/XX/XXXX I was first contacted via telephone message which was orignially left with my mother XXXX XXXX at an address and phone number I have not been associated with for well over ten years. In an effort to find out what they were attempting to make contact with me I called the number provided. 

I was informed in a brief conversation from an employee at Rash Curtis & Associates that I owed on a debit in the amount of {$9700.00}. Before I would allow the associate to go anyfurther I demanded a copy of the debit and alligations be sent to me for my review. 

Approximately one week later I recieved an Account Statment issued by the Debit Collector outlining a debit for XXXX on or around XX/XX/XXXX some eight years after the original claim. Knowing I never had such an account I sent the matter over to my legal counsel for review and guidance on the set forth matter. 

According to my legal counsel he first started by contacting the named Creditor : XXXX. only to be instructed that the account in question if was valid had been archived due to the age of the claim. Secondly according to the information availiable the bond in question was exonerated on or around XX/XX/XXXX by the creditor. With this information we contacted the CA Insurance Commissioners Office in XXXX who notifed us that bonds can not be collected on if in fact they were exonerated. 

Moving forward, upon the review of the file it was determined that the bond inquestion was written for a person holding the same name but never varified or authenticated. 

Upon receiving this information and within the orignial 30 days of notifciation by the FCRA I notified Rash Curtis and Associates of our findings along with forally notifying the copany of the dispute based on account not validated as to belonging to me, lack of proof provided by Rash Curtis, and I demanded prooof be supplied with thirty days of the letter providing contrary proof of the claim. I also instructed Rash Curtis & Associates all sent VIA US Mail with a signature guarantee to stop contact and all correpondence must be initated via US MAIL. 

Subsequesntly for the next sixty days I fel the matter in question was concluded until I started receving call and call at home, work, my cell phone, and family members all starting on or around XX/XX/XXXX to present. In addition to the flagrant disregard for the law I received an email and was provided a copy of a recent credit inquiry Rash Curtis & Associates rendered on XX/XX/XXXX without my consent or any prior business relations with to show cause. 

Despite my continuous efforts and a compelling paper trail supporting this false claim Rash CUrtis and their associates continue to flagrantly break laws in an effort to bully consumers on a zompie account which has exhausted it CA Four year statue of limitations on collections.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MS)

I noticed a debt charge off from a company called Americollect on my credit. I contacted the company via chat. They are giving the name of a XXXX XXXX I am unaware of. They also could not verify my social, only my date of birth. Despite having the address listed on my insurance the letters were sent to an XXXX XXXX address that was not provided by the Americollect employee. I have received no calls, or no letters regarding the debt. I have lived at my current address for 4 years, my insurance is billed using my current address which is XXXX XXXX XXXX XXXX. My dad lives on XXXX XXXX and has the same name as me. Simply verifying my date if birth is not adequate. My father 's credit report has often times been crossed with mine. Americollect did not give me notice of the debt, my dad has not received a letter and we have received no calls. Furthermore ONE letter isn't enough notice to dispute or pay a XXXX dollar debt before reporting it to my credit. I can find no balance owed on my insurance as well.
Consumer complaint received 2018-05-10
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: Experian Information Solutions Inc. (FL)

Someone has been stealing my identity since 1996 and until now I realized that it is the first time that I request my credit report. The date of birth is incorecta. several directions I have not lived, that person has bought a car with my name, travels to different countries, purchases in different stores. I need to know what is the proseso to solve this problem and sue this person for fraud.
Consumer complaint received 2023-04-06
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. (NY)

In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX, JPMCB CARD, XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Consumer complaint received 2022-11-04
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. (OK)

Experian, XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I Want To Sue This Company for violating My Rights under the Fair Credit Reporting Act which I'm A XXXX  Veteran and A victim of identity theft affidavit Signed and Dated on XXXX XXXX XXXX  and I Sign and Date this Document on XX/XX/2022 and I Need Legal help from A Lawyer Concerning this important matter of business and I'm XXXX and XXXX XXXX because of my XXXX which I can't afford a lawyer now
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditor's Collection Service, Inc. (VA)

Creditors collections bought the contract from XXXX. XXXX claims I broke the contract with them when in fact XXXX  broke the contract when they sold there company to XXXX. I received a letter from XXXX  telling me to switch to XXXX  so that is what I did also XXXX closed all of there stores. I do not feel I broke the contract when I did what XXXX told me to do it was only after the fact that XXXX told me I would have to buy out my contract if I had been informed of it I would have left it alone. Again I did what XXXX told me to do and that was XXXX is now XXXX   and switch.
Consumer complaint received 2016-05-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: URS Holding, LLC (NV)

My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. 
Please advise. 
Thanks - XXXX XXXX - XXXXXXXXXXXX
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I walked into a branch and deposited a XXXX check from California child support. Later that day I recieved a Emil saying my account was going to close. XXXX XXXX I called the fraud prevention department and they made me aware they placed a hold on the check which caused my account to over draft. That representative took the hold off the check and placed it back into my account. XXXX XXXX Wells Fargo deducted {$1200.00} from my account saying they gave it to me twice. The representative from XXXX XXXX forced the check into my account instead of releasing the hold. So I put {$1200.00} they took it out it back as a in branch deposit and then took it again. They wont even give me proof of the hold or wont show where they took it only that it was in my account.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

I attempted to sell XXXX XXXX at XXXX EST XX/XX/21 on the Gemini platform and they would not process the transaction despite numerous attempts. Now my initial investment is nearly gone despite the fact that when I initiated the trade I would have broken even/ made a profit at the market value at the time. I tried to complete this sale numerous times to no avail. I do not feel I should be held responsible for a loss incurred due to a malfunction within their platform. I have reached out to them numerous times and they have only responded that they will pass it on and I am still unable to withdraw what little capital is left on their platform.
Consumer complaint received 2020-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX 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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (GA)

From XXXX XXXX to XXXX XXXXXXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written letters to XXXX XXXX letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised XXXX XXXX that I request that they provide evidence that I must pay XXXX  in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Consumer complaint received 2021-02-13
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

in XXXX of XXXX i took out a loan with santander to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX XXXX in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now santander has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and santander but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXXXXXX XXXX owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.
Consumer complaint received 2018-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My husband and I took out a VA loan through HSBC in XX/XX/XXXX. In our opinion they are the least helpful, underhanded, and most intimidating company we have ever dealt with. I will not go into the debacle of a loan modification they offered to us in XX/XX/XXXX when my husband was suddenly laid off and we nearly lost our home. What I am complaining about is a ' late fee payment ' they are assessing me. I have called customer service numerous times to try to find out why I was being charged the fee. Experience with HSBC has taught me to take notes whenever I call them, including date/time/name of agent/and what was discussed. Three times I was told that my complaint has been reviewed and the charge removed. It has not been. I have now recently received a 'form letter ' from HSBC that only advises me of what their late payment fees are and why they collect them. Well, I need to know WHICH payment they claim is late do that I can get my bank statement and other necessary documents to prove my claim. The amount is {$19.00} but I refuse to pay it unless they can provide me this information. It is important because it is their common practice to not provide correct timely information, 'back date ' correspondence, and force me to make numerous calls explaining my situation over and over again to different customer service representatives who either tell me the issue is resolved or they have submitted a ticket for review. This bank is unprofessional and the left hand doesn't know what the right hand is doing. I would appreciate your help in this matter. I am currently looking into refinancing with my hometown bank. Run far away from HSBC.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report.

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Equifax has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked Equifax on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Congress says that any transaction that was authorized by a credit card ( ( XXXX  ) Credit card means any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. ) should be excluded from your consumer report
Consumer complaint received 2023-04-06
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: CLGF Holdco 1, LLC (TX)

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :
Consumer complaint received 2020-12-15
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. (FL)

I would not believe if I have something in my report but when I went through my credit report I found information that is not mine absolutely. I kindly ask you to help me and to remove account that is not mine. I would like to dispute and have it investigated. I believe that I may be a victim of identity theft. Actually I have never incurred debt with these creditors. It could also be possible you are mixing up this account with someone that has a similar name as me. Please delete this account immediately as I need it asap. When you delete this account please inform all credit reporting agencies.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX Equifax data breach.