davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CT)

On XX/XX/XXXX, I received a phone call from Professional Debt Mediation INC. regarding an unpaid move out debt that I was not aware of. At this time they had placed a collection on my credit on XXXX XXXX XXXX  for the amount of {$440.00}. Their initial letter was sent to my fathers address, but he did not hold onto the letter. After a brief discussion with them, I was informed that this was on all former tenants credit. The original creditor made a single attempt to contact me in XXXX XXXX XXXX, but did not make any additional attempts. After asking for the proof of debt, they emailed my a small document holding a single vague receipt of what I owed. After asking them to clarify and to provide any additional proof, i.e. itemized list or pictures, they were unable to. I then sent a dispute letter to them on XX/XX/XXXX requesting some additional information about the debt, and more information about their company. I received a letter back on XX/XX/XXXX containing the same contents of the email, with no further questions answered. It seems to me that there is insufficient evidence that I owed the original creditor anything to begin with. Upon further investigation, It was found that this company does not have the license to practice collecting in my current state of Connecticut, and a complaint to my state attorney general has already been made.
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (CA)

I spoke with Equifax on the phone they said they would look in to it. Then a few weeks later i received a letter stating they had deleted all 3 so i checked and they where still on my report a month later i called Equifax back they said it takes 2 month for it to show its been removed. Well its now XX/XX/XXXX and i received this letter on XX/XX/XXXX that all 3 deleted. 2 still remain on XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (GA)

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-08
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. (NC)

XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am a XXXX  and I initially opened savings accounts for my XXXX  name with Investors Bank. These accounts were linked to my profile and I used to be able to make additional deposits to these accounts as necessary. Since citizens bank took over Investors Bank, I have XXXX visibility into these accounts, I do not receive statements, they are not linked to my profile and I can not make deposit. I dont have access to checking the balances, nothing! I have called citizens bank several times to try to understand whats going on. They eventually said they can not help. If I need any info about the accounts I need to visit a branch, which is a major inconvenience as there are no branches in my area. Essentially I can not keep track of these accounts, since citizens did not provide me with any details at all about the accounts. I am sure I do not speak just for myself, but for many folks who are unable to access a branch, maybe because of a XXXX or else, and to think that Citizens would not allow us to have access to online banking is nothing short of discrimination..
Consumer complaint received 2022-02-28
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)

In accordance with the fair credit reporting act XXXX  XXXX/XXXX  on XXXX, XXXX  XXXX  XXXX  on XXXX, XXXX on XXXX and XXXX, XXXX XXXX  XXXX on XXXX, XXXX on XXXX and XXXX/XXXX  on XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2022-02-28
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: Edward F Bukaty III (LA)

XXXX XXXX and partners of Edward F. Bukaty III collection firm are currently reporting a collection balance of {XXXX} that was settled in full with the collection office of Edward F. Bukaty III for the amount of {XXXX} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX  scores ... Each time ive spoken with a representative at XXXX XXXX ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I Told them not to call me about this debt with XXXX XXXX. 


I would like to know the status of account and time barrier status. I would a letter on company letterhead regards to this and upload document here.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

According to FCRA 605B, it appears imperative that we eliminate any erroneous accounts from my credit report. Would you mind reviewing the documentation? A few of the listed accounts seem to be misrepresented, causing me considerable unease.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian investigated the following listing, XXXX XXXX XXXX VA XXXX XXXX ..., on my credit report. 

Upon completion of their investigation, they deleted the referenced item. 

I was notified of the investigation and subsequent deletion. 

XXXX continues to list the item, XXXX XXXXXXXX XXXX VA XXXX XXXX ..., claiming the information is still being reported and/or provided to them by Experian.
Consumer complaint received 2020-10-05
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. (CO)

My initial letter is dated XX/XX/XXXX and to update this file and still incorrectly report XX/XX/XXXX you exceeded the 30 days allotted for investigation and outcome from the original date of XX/XX/XXXX. I have disputed this account more than twice and the fact that there are 4 disputes and only two, ( dates XX/XX/XXXX and XX/XX/XXXX ), which are XXXX XXXX is proof you have violated my consumer rights. Experian has opened multiple dispute dates falsifying the original dispute dates WHEN THE DIPSUTES ARETHE SAME DISPUTE FOR CREDIT SYSTEMS! 
Report Number : XXXX Date Generated : XX/XX/XXXX, XXXXXXXX XXXX-REMOVED XX/XX/XXXX Reported XXXX XXXX : XXXX XXXX, XXXXREMOVED NOT REPORTED UNDER EXPERIAN DISPUTE CENTER Reported Number : XXXX Date Submitted : XX/XX/XXXX Inquiry Date : XXXX XXXX Estimated Resolution Date : XXXX XXXX ( HOW IS THE INQUIRY DATE AFTER SUBMITTED DATE ) Reported Number : XXXX Date Submitted : XX/XX/XXXX Account Dispute Modified : XX/XX/XXXX Reported Number : XXXX Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Date Submitted XX/XX/XXXX Inquiry Date : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX WE ARE NOW ARE ON XXXX XXXX DISPUTE CENTER Reported Number : XXXX Date Submitted : XX/XX/XXXX Date Generated : MISSING FROM DISPUTE CENTER Report Number : XXXX Date Generated : XX/XX/XXXX Report Number : XXXX Date Generated : XX/XX/XXXX XX/XX/XXXX ALLEGEDLY TRANSFERRED TO COLLECTION XXXX-REPORTED TO CREDIT BUREAUS REMOVED XX/XX/XXXX ADDED BACK XX/XX/XXXX INCORRECTED REPORTED AMOUNTS VIOLATING FAIR CREDIT REPORTING ACT XXXXCOLLECTION LETTER ORIGINAL AMOUNT : {$710.00} + {$11.00} INTEREST= {$720.00} XXXXUNSUBSTANTIATED typed letter of amounts, FAILURE TO PROVIDE PROOF, XXXX XXXX  RESPONSE TO VALIDATE DEBT LETTER BY XX/XX/XXXX WRITTEN XX/XX/XXXX INDICATED I OWED {$710.00} SUBMITTEDXX/XX/XXXX-REPORTED {$710.00} BALANCE {$760.00} XX/XX/XXXX REPORTING {$760.00} XXXX {$780.00} THEN REMOVE FROM EXPERIAN CREDIT FILE CAUSING A 18 POINT INCREASE XXXX {$770.00} ADDED BACK TO CREDIT FILES WITH A 3 POINT DECREASE WRITTEN DISPUTES TO EXPERIAN XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, VALIDATE DEBT LETTER ON XX/XX/XXXX ( WHICH I STILL HAVE NOT RECEIVE PROOF OF VALIDATION METHOD automated response or e-Oscar verification is unacceptable WITH VALID PROOF OF DATES AND INDIVIDUALS EXPERIAN SPOKE TO AND DOCUMENTS RECEIEVED THAT VALIDATED THIS METHOD ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EMAIL REQUEST XX/XX/XXXX. To falsely report there are 2 disputes when its the exact creditor and several more disputes than what is being reported.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (GA)

I loaded money onto my PayPal PayPal business debit card {$200.00} to be exact it was in XX/XX/2020 PayPal close my account within 10 minutes after I loaded the {$200.00} on there they told me for over a year there was nothing they could do about it until I had the email address so I got the email address and then they told me I have to have the card number well I got the card number and then they said that the account was closed and they furthermore proceeded to talk to me in a very very bad manner and they close all of my accounts and now I cant use them anywhere but they still have my {$200.00} and they have not sent me a check in the mail like they were supposed to
Consumer complaint received 2022-02-28
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. (NY)

Theres a discover account on my credit report that was charged off. I had it removed from XXXX but for experian and XXXX it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a XXXX account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but XXXX is holding me responsible. I have this XXXX account removed from XXXX but it also remains on my XXXX and experian credit report. Ive tried resolving the issue with chase for over XXXX years but theyre still holding me responsible for fraudulent charges
Consumer complaint received 2022-02-28
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. (NY)

Theres a discover account on my credit report that was charged off. I had it removed from XXXX but for XXXX  and XXXX it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a chase account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but chase is holding me responsible. I have this chase account removed from XXXX but it also remains on my XXXX and XXXX  credit report. Ive tried resolving the issue with chase for over 5 years but theyre still holding me responsible for fraudulent charges
Consumer complaint received 2022-02-28
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. (NY)

Theres a XXXX account on my credit report that was charged off. I had it removed from XXXX but for XXXX and equifax it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a XXXX account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but XXXX is holding me responsible. I have this XXXX account removed from XXXX but it also remains on my equifax and XXXX credit report. Ive tried resolving the issue with XXXX for over XXXX years but theyre still holding me responsible for fraudulent charges
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

AMSHER COLLECTION SERVICES INC has been reporting a collection account to the credit bureaus for over a year now that is fraudulent! I have made a police report with my local police department, filed a report with the FTC and sent all these documents into AMSHER COLLECTION SERVICES INC and they continue to report this account to the credit bureaus. They are in violation of the Fair Credit Reporting Act. They don't care that I am a victim of Identity Theft and have sent them proof!
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a capital one secured card ending in XXXX. I lost the card and fraudulent charges were made on it. I tried disputing with capital one but they charged off my account instead without refunding me my deposit. XXXX XXXX XXXX bought the account and now theyre holding me responsible for these fraudulent charges resulting in {$790.00}. I have this account removed already from my transunion report but the other credit reporting agencies still have this account on my credit report. The account number is XXXX. Ive disputed this account a year ago. Please help me remove this collections account from my credit report. Thank you!
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (MS)

I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

So it is clear, this company Consumer Adjustments Co ( CACi ) has admitted to aggravated identity theft. 18 U.S. Code 1028A On 02/22/2022 I, XXXX XXXX has made a complaint to the CFPB about this company CACi.

However, the company Consumer Adjustments CO responded that 1 of the 2 accounts from them has came from XXXX XXXX XXXX, and the other from University XXXX XXXX XXXX XXXX  XXXX HIPAA Violation by the way ) they had no rights whatsoever getting my information AT ALL!!!! MANY VIOLATIONS!!! 

However, I am bringing this to the attention to CFPB to peep how this company claims that its Fraud since Ive reported them to CFPB & FTC. 

And tried to get me to sign an fraud affidavit. 

This clearly explains and expose them for fraud and aggravated identity theft because they clearly said where they got my information from and they expose them selves when they said they were sending bills to the address ( my address ) to collect the debt so you mean to tell me now yall realize yall XXXX up and trying to correct yall scamming XXXX schemes. I hope CBPF and FTC understand this and I am demanding {$1000.00} for each violation! And believe me I will get my money! CFPB will see exactly what I am saying and its facts! Yall played with the right consumer! CACi is XXXX!!!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. 
Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX