davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sirs or madam I have obtained my Equifax report, this account XXXX XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s )  This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this. 
The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this. 
The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX
Consumer complaint received 2024-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB (CA)

I have made some purchase through Klarna and they did provided 4 installments on XXXX purchase. Three were collected from my temporary digital card. I updated my permanent card and linked my bank account as well to take care of my last installment of XXXX but they havent collected from my account and purposely they assigned it to a collection agency with XXXX USD of late fee. 
I feel humiliated and though I paid the late fee but I feel its a nexus between Klarna and the agency true accord to play with the credit rating of innocent people and unfair trade practice to loot general public and damage the credit score
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (UT)

XXXX XXXX XXXX hired RentDebt Automated Collections a year after I moved out of my apartment and is trying to say that I owe them approximately {$1600.00}. I gave proper notice to vacate, turned in my keys and forwarding address and never heard from XXXX XXXX XXXX until XX/XX/2019. I never missed my rent payment nor was I ever late paying my rent. And all i've received is a notice demanding money with no explanation whatsoever as to what I owe or why. This is negatively impacting my credit score due to the substancial amount and is preventing me from being able to obtain housing or anything regarding my credit report. 

I absolutely DO NOT owe this apartment complex money. I moved out early due to uninhabitable living conditions that caused major medical problems, resulting in over {$500000.00} in medical bills and ongoing health problems, but I continued to pay my rent up until my lease ended.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RUI Credit Services, Inc. (CT)

I got a letter from RUI collections. They said that I owed over {$9000.00} on an account that I never would have. I am a XXXX veteran and my wife through state handles the utilities. My wife collects XXXX including XXXX XXXX. This account is either fraud, part of identity theft, or at a minimum a mistake. I want collection activities to end immediately and company has called to threaten me with having my credit ruined!
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I previously disputed the following information that " PORTFOLIOA RECOVERY ASSOCIATES '' had in my consumer file : PORTFOLIO RECOVERY ASSOCIATES XXXX The above-listed tradeline was properly deleted by their incidental my dispute of it. However, a third party alerted me that you reinserted the information on XXXX/XXXX/2021. This reinsertion has caused significant damage to my credit score. As a result of the reinsertion, my score has dropped, and I am very upset about this. I have waited patiently to hear from them about why this has occurred, but I have not. It is my understanding that under the FCRA, they should have notified me about this. Specifically, they should have notified me of this in writing within 5 business days. I patiently waited over 5 business days for an explanation from them with no luck. 
As a result of their failure to comply with the FCRAs requirements, I am XXXX. They have reinserted an inaccurate and incomplete tradeline on my credit file.
Consumer complaint received 2022-10-18
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: Upgrade, Inc. (TX)

Since XXXX of XXXX I have been disputing the " app '' with Upgrade. It has been showing a delinquent amount from XXXX to now {$270.00}. XX/XX/XXXX I had applied for a hardship due to XXXX. In which I was told that I was approved and would have to make the monthly payments in the amount of {$120.00} starting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In which any past due amounts would be added to the end of the loan cycle and processed to the end of the loan. In XXXX my payment of {$400.00} was going to resume. In XXXX I logged onto the app and noticed the amount was still incorrect. I called and spoke with an Unidentified agent that stated " oh the person that did your application did not update the aged report, it will take 1-4 business days. Again I called today and I was told that " oh you are still delinquent from XXXX, I advised there is a payment in the amount of {$400.00} that was withdrawn from my account XX/XX/XXXX ( payment was made via the app on XX/XX/XXXX after I was assured that the report would be " updated '' ). I was told there would be a " freeze '' on the card until I made the additional payment and would not be able to utilize my account until this was corrected. Every time I call upgrade I am told something different. Each rep has a different finding and policy. I am pretty sure I am not the only account holder that is facing this issue as I have been advised " oh ya the app is always going through glitches ''. I am requesting an investigation into this company for possible violations.
Consumer complaint received 2019-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Bank/Lord and Taylor added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One/Lord and Taylor reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a 90 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my financial advisor and myself conference called Capital One/Lord and Taylor. My wife requested the bank to revoke my signing authority and I requested for them to correct my credit reports. Capitol One/Lord and Taylor said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked them to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am XXXX XXXX and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB,
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (CA)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account : XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2023-03-20
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$0.00} 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
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (HI)

Mandarich Law Group LLP is harassing me with phone calls and letters about an untrue, unproven, unverified, untimely and alleged collection account. 
Their File Number is XXXX. 
This alleged debt does not belong to me. 
They Name several Creditors in their letter, I have never signed any contracts or documents with any of these Creditors, nor do I have any signed Business contracts with Mandarich Law Group LLP.

Mandarich Law Group LLP has no proof that they have any legal right to collect on this alleged debt. There is absolutely no signed legal contract from me, or the original alleged Creditor, that I agreed that this alleged debt was to be sold to any 3rd, or 4th party Collection Agency, or Law Firm. 
Mandarich Law Group LLP is in clear violation of 15 USC 1692. ( c ) ( a ) of the FTC - Fair Debt Collection practices.

Mandarich Law Group LLP is also in clear violation of 15 US 1692d ( 806 ) Harassment and abuse, by their constant harassing phone calls and letters.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NY)

Good day, i was looking at my report and noticed and an unauthorize inquiry that i didn't give authorization for, please can you kindly take this of my credit report? ( delete ) According to the F.C.R.A ( Fair Credit Reporting Act ) legall this unverified and Unauthorized items must be remove,
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I took a 30 year home loan for {$180000.00} on XX/XX/XXXX. I have since paid the remaining balance down to {$170000.00}. I paid 5 % down on the original home price of {$190000.00}. I was required to have PMI. 

Since our original purchase, our home value has increased dramatically. We invested heavily on a remodel, as well as general home value increasing in the neighboring area. I have attempted multiple times to remove my PMI with Freedom Mortgage and have not received any recognition or response. 

In XXXX, our tax assessment increased to a total of {$210000.00}, which means our ratio was close to the 20 % threshold. I wrote a written letter on XX/XX/XXXX and requested that our loan be reviewed and if necessary, I would pay for an appraisal to show the value had increased. I received no response. 

On XX/XX/XXXX I received an updated tax assessment of our home being valued at : {$240000.00}. At this value, we have significantly beyond the required 20 % ratio. 

On XX/XX/XXXX I called and requested PMI to be removed. The customer representative once again reiterated the need for the letter to be written, but explained that an email with an attached letter would suffice. She said they would respond with the approved appraisers to use. 

On XX/XX/XXXX I wrote an email including an attached letter requesting PMI removal again. I explained that I would pay for a re-appraisal to prove the updated home value if necessary. 

On XX/XX/XXXX I followed up on the email and explained if I did not receive a response by XX/XX/XXXX, I would be following up with the CFPB. 

XX/XX/XXXX -- I have received no response from Freedom Mortgage. 

After repeated calls and written letters via postal and email, I have received no response to my request to remove PMI.
Consumer complaint received 2023-03-20
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. (KY)

The unverified items indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my file immediately. 
CXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, synchrony bank, has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. XXXX and XXXX both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  Account number : # XXXX
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

I sent Mercedes a 2nd Notarized Affidavit of Truth and Facts on XX/XX/2020 certified mail. They are in receipt of my 2nd Affidavit as of XX/XX/2020 at XXXX. 

Mercedes has failed to comply with the FDCPA and Truth and Lending Laws. 

Mercedes is a debt collector as defined in the FDCPA Mercedes has failed to Rebut my notarized affidavit, which is the only way they can address me by law as a federally protected consumer Mercedes has not tried to address this complaint properly
Consumer complaint received 2023-03-20
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. (NC)

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15US Code 6802B I have contacted the creditor asking Them to remove this late payment They violated my consumer law because they never gave me the option to opt out from reporting my information to a 3rd party I never received a letter and would request late payment be removed XXXX XXXX Last payment XXXX Account number XXXX
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am making a formal complaint about an unauthorized transaction to my checking account, I have no idea who this person or company is, it was for {$600.00}, I filed a claim on XX/XX/2024 with back of America ( claim # XXXX ) I tried to dispute this with my them and they are denying me the refund, and are making allegations that I authorized that transaction when I never did, I would appreciate your help, thank you.
Consumer complaint received 2023-03-20
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. (AR)

I am submitting you this CFPB Complaint today because a lot of fraudulent infomartion are ind reported on my Credit File. Under the Fair Credit Reporting Act section 605b, I am asking you to please remove the disputed accounts and information off of my Credit File. I did not authorized any of these accounts. Also, some of these accounts were not being reported on the initial report I used to submit my first complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following accounts and information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5900.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you truly believe that the disputed items belong to me, I require you to please send me copies of documents supporting such claims. If you are not able to present me any documents, I prefer you to please remove the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2023-03-20
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate inquiries in my file. Delete these immediately! 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX