davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
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: ENCORE CAPITAL GROUP INC. (WY)

Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and Midland cards are XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and Midland who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 Midland account, XXXX account & XXXX XXXX XXXX : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. 
I have sent a Validation certified letter to XXXX and Midland. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
Consumer complaint received 2019-07-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a voicemail from a processing office advising that a criminal complaint was being filed for fraud, attempt to de-fraud a bank, and giving false information. They also started theyd be calling my employer and my supervisor to tell them I defrauded a bank and gave false information all over a payday loan for {$250.00} that was discharged in my bankruptcy last month. I told them multiple times that I had listed this in my bankruptcy and they kept saying that payday loans are dischargable debts bc they arent approved based on credit, so therefore they arent dischargable. It was very stressful until I realized it was a debt collector. Whats worse is that they left the SAME message and 2 of my family members phones making it sound like I was in huge trouble.
Consumer complaint received 2022-03-14
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. (MI)

EXPERIAN IS REPORTING DEBT THAT DOES NOT BELONG TO ME. I've contacted Experian numberous of times and was told they debt was verified. I requested in writing and over the to please send me a contract and other documents bearing my signature. Experian has failed to send me method of verification. Please to me who verified that STATE OF MI XXXX XXXX belonged to me? What date was this verified? Who opened up this account in my name? Was a drivers license and social security card used to open this debt? Did you contact State of Mi XXXX XXXX XXXXo verify this debt? Did you call over the phone to verify this debt? What number did you call to verify this debt? Do you have documents on file showing this debt belongs to me? Please send me contracts bearing my signature and a contact person so I can follow up. If you fail to verify this debt i'm asking you kindly to remove this inaccurate, untrue, incorrect information off my credit report. This reporting does not fcra requirements. This account was not properly verified. I do not consent to third party verification. 

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-10
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2017-04-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (UT)

I live in XXXX Utah and today I went to the Chase branch of XXXX to open a new account. I already have an account with another bank but I 'm planning to move where they have no branch of my current bank so I decided make a new account that is across the states. 

XXXX helped me to set up my account and he was really nice an did a great job on going through everything I needed to know which included depositing cash on ATM machine. 

The account I made had a condition where I do not have to pay any service fee if I maintain daily balance of {$5000.00}. I was planning to close my other bank account so I thought I might as well deposit more because I can. 

I withdrew {$10000.00} from a XXXX branch by XXXX, and I brought it back to the chase branch only to find out there are many people in line. So I decided to use the ATM machine right outside of the branch to deposit my {$10000.00}. Apparently, the ATM machine only accepts up to XXXX bills per transaction. The first {$5000.00} went in ok. However, during my second transaction, XXXX of the rubber band that was there to hold to bills was not removed all the way and then the machine displayed an error message and took my second {$5000.00} with it. It printed a receipt saying that the second transaction did not go through. Straight away, I told someone that looks like the manager and XXXX about this. XXXX told me that he will put a claim. 

Later at home I was really worried because I 'm still a XXXX working XXXX and {$5000.00} is a huge money for me. I called the bank customer service and they told me it is under investigation and they do n't know what will happen but that there is nothing I can do for now but wait. But then, I found several articles that there are several incidents that Chase ATM takes the money and customers not being able to claim their money back after investigation. That got me very worried and I decided to file this complaint. I understand that the rubber band slipped in there but it was an honest mistake and I did not mean any harm.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.
Consumer complaint received 2022-03-15
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. (NY)

XXXX XXXX XXXX XXXX  ( Finance ) INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Construction ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND TRANSUNION AND XXXX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION
Consumer complaint received 2022-03-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I at no time whatsoever authorized the XX/XX/XXXX XXXX  inquiry. When I contacted XXXXXXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.
Consumer complaint received 2022-03-15
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. (NC)

XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but XXXX XXXX Experian continue to report this incorrect information.
Consumer complaint received 2021-06-13
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. (NY)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2022-10-10
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2021-07-25
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: NAVY FEDERAL CREDIT UNION (GA)

.NAVY FEDERAL CREDIT UNION DATE FRAUD BEGAN XX/XX/2017 {$13000.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2018 I mailed a letter of validation to XXXX XXXX. The letter was sent via US Postal service certified mail which was received by Midland on XX/XX/2018. XXXX XXXX has NOT validated the said debt as of today. The only letters I am receiving from Midland are the ones attached to this complaint. I would like these items immediately removed from all three credit bureaus as it is damaging my credit. By law of the Fair Credit Reporting Act, they must be removed due to the 30 day notice that was sent to Midland and the company could not validate.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/XXXX I went online to my Santander checking account and my Heloc loan account. I checked the balance of the Heloc account and transferred the balance of {$3300.00} to that account to pay off the balance. When I checked the account a few days later I noticed that although this amount was taken out of my checking account it was not applied to the Heloc account. Then on XX/XX/XXXX Santander took {$230.00} out of my checking account for the loan balance. At this point the balance should have been XXXX as I had paid the balance. It was then that I realized that the {$3300.00} they took out of my checking account had not transferred properly. I called and was told they would check it out. I have been on the phone with them at least 4 times since then and the issue has not been resolved. They closed the loan account, charged me more in interest as well as a fee and then credited my checking account {$77.00} on XX/XX/XXXX. I believe they owe me more money. If the balance was {$3300.00} on XX/XX/17 I may have owed them a few more dollars in interest but not {$50.00}. I feel the credit I should have received should have been closer to {$120.00} versus the {$77.00} they gave me. No one at Santander has bothered to explain what happened to the original transfer. I am attaching a picture of the checking account statement as well as the XXXX and XXXX statements in the loan account as I can no longer access the loan info online as it has been paid. Your assistance is greatly appreciated.
Consumer complaint received 2022-03-15
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. (NC)

XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but Equifax XXXX XXXX continue to report this incorrect information.
Consumer complaint received 2022-10-09
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. (LA)

The bureaus violated the FCRA and have not removed the fraudulently accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 days They received a police report, a theft affidavit and supporting documents to identify myself.
Consumer complaint received 2022-03-15
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. (KY)

I reached out to XXXX XXXX, Experian and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it
Consumer complaint received 2019-07-31
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. (NC)

Requested removal of negative item from report. I sent in proof that i was no longer responsible. They sent a letter saying deleted. Then they put it back on. I sent another letter with supporting documents, and they said verified. And refused to remove. The letter is from the collection agency. ( Letter is attached )
Consumer complaint received 2022-03-15
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. (KY)

I reached out to XXXX XXXX, XXXX and Equifax by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it