davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (SC)

I currently paying on collection account with ERC. When I called they accepted settlement amount {$350.00}. I've paid {$56.00} on XX/XX/2019. I've made arrangement for {$150.00} to be debited on XX/XX/2019 and on XX/XX/2019 final payment of {$150.00} to close out account. On XX/XX/2019 ERC placed collection on my credit file for {$530.00}. I want this deleted asap this collection were placed after I paid them and made other arrangements.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (GA)

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 reports no consent is fraud.
Consumer complaint received 2017-05-31
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)

TransUnion is showing an account with  XXXX  #  XXXX  as being late. I have reported this particular  XXXX  acco unt to the police as I 'm not familiar with this account number and I suspect identity theft. At this time there is NO pending litigation in this matter. However, TransUnion is now in violation FCRA 605B states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D. SCOTT CARRUTHERS (CA)

My brother received a phone call from a man named XXXX XXXX who stated that he worked for the Law Offices of Scott Carruthers of XXXX, Ca and during the phone call he had disclosed information to my brother about a pending court date which I was informed by my legal resource that he is not allowed to do so by law. He has been calling other people including the aunt of my ex girlfriend whom I 've never even met. How he got that information I have no clue. I have also had some local courier chasing after me trying to serve me with a wage garnishment notice which I was informed is also not legal. Also, This courier had my social security number and repeated it over the phone and in the background it sounded as if he were in a populated and non discrete area where others may have heard him repeat my social security number.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},
Consumer complaint received 2019-10-13
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. (LA)

All XXXX reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

This company Enhanced Recovery is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Enhanced Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Enhanced Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},
Consumer complaint received 2019-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (FL)

XXXX XXXX XXXX is insistently trying to collect {$760.00} from me for an alleged driving ticket issued in XXXX and unknown to me. Therefore, never notified. 

XXXX contacted me the first time approximately four months ago and claimed I owed money for a speeding ticket issued by a speeding camera in XXXX back in 2015. I have no knowledge of this ticket and I have asked XXXX by phone and by certified - return receipt dispute letter to provide me with a copy of the alleged citation and all other related documents - including all papers, photos, videos, correspondence, postmark with mailing date, certified mail notification signed by me or by a person authorized by me within 300 days from the date of the alleged violation, as required by the Italian laws, etc. 

As of today, I have not received any supporting documentation. However, yesterday, at almost XXXX XXXX, I have received another harassing call from a XXXX 's agent try to collect that amount of money again. 
They are obviously violating the ( FDCPA ) Fair Debt Collection Practices Act by not providing enough valid supporting documentation. Therefore, I would like not to receive anymore calls from XXXX. And, I'm requesting them to cease any further collection efforts, unless they're able to provide all the requested evidences and documentation. 
Thank you.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Company was conspiring with FBI TO Close my account cause FBI has me on the XXXX watchlist and FBI does not want me to have any accounts so Citi bank was harassing me and being very unethical and discriminatory against me they illegally closed my secured credit card account, now they are refusing to refund my security deposit of {$140.00} and I want 2 weeks of interest at {$100.00} a day for them depriving me of my property ( funds ) thats a total of {$1500.00}
Consumer complaint received 2019-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I made a payment to Ditech XXXX, 2019. 

When XX/XX/XXXX's payment was due, I couldn't make it online because it said I owed XXXX. I called and spoke to a Ditech representative who stated that they were doing computer upgrades and it will reflect soon. 

Same with XXXX. Same with XXXX I called in XXXX after emailing them NUMEROUS times and was told they had NO record of my XXXX payment. I immediately faxed the confirmation they EMAILED to me in XXXX and and a copy of my bank statement showing the payment coming out. 

I received notice in XXXX that they received my letter that I sent to them and it would take 30 days to complete the review. In XXXX I received another letter that it would take another 30 days. TODAY I received ANOTHER letter that it would take ANOTHER 30 days AND letter that foreclosure proceedings were started. 

It should NOT take 90 days to SEE that I made the payment and their system is XXXX  up! 

I am attaching to you the confirmation from DITECH that my payment was made AND showing it coming out of my bank account. 

THIS NEEDS TO BE THIS NEEDS TO BE CLEARED UP IMMEDIATELY!! I have NEVER MISSED a payment with Ditech since they had my loan with them!
Consumer complaint received 2017-05-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (NY)

I have been a loyal citigold and citi priority client sin ce 2007. I ha ve recently tried to open a savings account to be linked to my citibank checking account, but the bank has immediately closed the savings account after opening it. My account has been in good standing for 10 years, and I have been a loyal client for 10 years, I have received very poor customer service, and have complained to customer service as well as the corporate offices of citibank, but they still have not resolved the issue with opening a new savings account. their response was very abusive, rude, and unprofessional.
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is reporting debt from XXXX XXXX  without validation tried to have them correct the situation and they are refusing to do so XXXX  can not verify the debt
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA (IL)

Actually, XXXX has restricted my XXXX XXXX account since XX/XX/XXXX saying that there's some unusual activities without any reason. So, without any letter, any explanation they restricted my account. Now, in XX/XX/XXXX, I got XXXX Mastercard and bought a phone which gave me 3 % cashback, also I am using apple card everyday and get 2 % Cash Back. These all cash back goes to XXXX XXXX and I am not able to use it because of that restriction, so what to do now? I don't have any way to use it. I am pissed off and calling back and forth every time. I need solution for that. Please provide solution for that. They arrongantly says that's our terms and condition. Without reason They can't just restrict my account.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

This letter is regarding account You claim I owe {$990.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including  XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (GA)

XXXX XXXX XXXX is sharing and reporting my information. As of XX/XX/2019 against my will. I have tried to reach out to the company but have not been able to opt out of the service. This company is confirming bankruptcies incorrectly with XXXX when case law doesnt allow these types of reports to be verified by 3rd parties. To my understanding, they must be verified by the original source. This company is not doing that and theres no way to opt out of the service. Many of their websites phone numbers do not work. So theres no way to contact them. Also they have emails on the website that are listed as a contact but are not valid emails.
Consumer complaint received 2019-10-12
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I disputed inquiries on my credit report with XXXX  to remove the unauthorized : JPMCB CARD also known as Chase Bank Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after XXXX investigation they found the account to be accurate. 

However, the chase account found to be accurate was my chase mortgage account i had since XXXX NOT the unauthorized inquiry from chase on XXXX for a chase credit card. 

I specifically ask XXXX to investigate the JPMCB CARD. 
As a result of the completely wrong investigation XXXX  has removed 28 points from my credit score because of there error.

JPMCB HL is for Home Loan JPMCB CARD is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : JPMCB CARD INQUIRY TO BE REMOVED. 


Also there has been a Fraud alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fairway Capital Recovery, LLC (TX)

I paid off my " {$810.00} '' debt directly to XXXX XXXX XXXX in XX/XX/XXXX. {$810.00} is in quotations because that is what Fairway Capital is trying to receive and that was not actually the debt amount owed to XXXX XXXX. I called the company XXXX Fairway Capital Recovery XXXX in XX/XX/XXXX and informed them about the debt payment completion ( they were working on behalf of XXXX XXXX XXXX ) and to close my account. However, on XX/XX/XXXX, an update was sent to credit bureaus WRONGLY stating this debt as unpaid. They then informed me ( when I called on XX/XX/XXXX ) that they CHOSE not to follow up with my update from XX/XX/XXXX. Essentially, I told them the payment was made and they did not find it necessary to go and verify that information. I spent XX/XX/XXXX, XXXX, XXXX, and XXXX trying to get them to close the account and they kept claiming they would not do so as their liaison to XXXX XXXX had not informed them of the change. However, upon speaking with XXXX, I was told they have not given Fairway Capital recovery any directives to ignore my statements about completed payment.
Consumer complaint received 2021-06-15
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: AFNI INC. (NY)

the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 
XXXX  XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AZ)

National Credit Adjusters did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from XXXX XXXX without my signature again they will not verify