davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This banks are not allowing me to be able to to open up a bank account with them or any other bank because I am in XXXX thanks to this person or people that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I have recently submitted a dispute with XXXX, Equifax, and XXXX. I have five closed accounts that where paid off in full but are still being reported on my report. I was told by each creditor that if I paid off my closed accounts they would be remove from my report and that was false. I let all three bureaus know of this falsehood and I have not received any response and the last thirty days Section 15 U.S. Code 1692e states False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I was also affected by the Equifax data breach some of my information may have been compromised
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. Navient and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.
Consumer complaint received 2018-04-17
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. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX  XXXX ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT RE [ PORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2022-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (IL)

I have had my funds deposited on Wednesday from my part time company XXXX in which I contract from im to an employee Im contractor and thry have never not paid me and theres no complaints from any one in 5he community about them not paying me or any on3 else however, I have had issues with credit karma in the past several complaints to complain they tell m3 they will transfer my funds to another account when I request them and it takes up to t ten days at times so XXXX sent my deposit on Monday to be posted and delivered today and XXXX or somebody that did not understand any thing I was talking about she says I never have had any deposit from XXXX asi was looking at my bank statements as we talking and there were several deposits on Wednesday I went to XXXX the money was delivered she said theres no such deposit coming through so I dont trust whats going on they post dates that things are deposited when they are not deposit Ed they are what I believe holding my fu ds like they e done Im the past and probably using peoples deposit for their own investments or whatever I really dont know anf the money may pop in the bank whenever they feel they will put it in my account when they feel like it then telling me no deposit to my account have ever been made by XXXX no deposit of the a out of XXXX $ which was processed and paid to me from the carrier two days ago and there payment dates all on my bank statements are aLl on Wednesday and they real, y are are deposits so the XXXX or what ever I talked lied amfsaid something was not true when I physically seen it myself and my money is supposed to be there today they have no rights wih hold money the way they do and are dishonest and as soon as I get this money Im change f my deposits to a new bank account these people are doing something unethical and possible ly illegal I was supposed to get paid and they said Ive never been paid by them if you go on my account I am not lying they are and they owe me XXXX cents and Im not letting them do this to me again and others..
Consumer complaint received 2020-01-31
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)

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING for committing identity theft. I have never given MIDLAND FUNDING any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from MIDLAND FUNDING before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I have reached out to the credit bureaus and CFPB about this debt that i do not owe. Someone used my identity and tried to apply for several things under my name including a appartment! I have never lived nor stayed at the Landing appartments in XXXX, TN. I have previously provided the company XXXX XXXX XXXX XXXX XXXX XXXX ) as well as transunion, XXXX and experian with copy of my idenity theif report and yet this item from XXXX XXXX XXXX is still reporting false information on my credit report. This is hendering me from being able to relocate and causing me to look bad! This is not fair and this item needs to be removed right now! I have not gotten a reponse from this company and i sent thema request for validation letter on XX/XX/2022 and as of today XX/XX/2022 I am sending them a demand letter for them to respond to my inital letter. This is a Clear Violation of the Fair Credit Reporting Act and yet there is nothing being done about this matter!
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

This medical bill was sent to collections ( Wakefield ) on XX/XX/2019. I contacted the company after I received a letter in the mail and told them I would start a payment plan after my wife and I got situated after our move. They continued to call me several times a day, at very early hours ( before XXXX XXXX ) despite my communication and efforts to evade the unnecessary contact. This a violation of debt collector laws.
Consumer complaint received 2018-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2018 I purchased a dining room set for {$380.00} from XXXX XXXX  XXXX XXXX. The next day I asked XXXX XXXX   XXXX XXXX for a refund. I never took the dining room set. On XX/XX/XXXX I did not see the refund on my Capital One credit card that I used to purchase the furniture. I called to complain to Capital One to tell them I wanted the charge removed from card. The Capital One representative said that until the store refund showed on my credit card account, she would put a credit on my account for the {$380.00}. The refund from the XXXX business did not show up until XX/XX/2018. On XX/XX/XXXX I look online at my Capital One account and saw that I had been charged again for the furniture on XX/XX/2018. I called Capital One on XX/XX/XXXX and asked them to remove the charge, because I did not receive the furniture. I talked to a supervisor and she also refused to take the charge off of my card saying that Capital One was only taking back the credit that had given me for {$380.00}. I told them I understood that, but that I still believed I should not be charged on my card for furniture I did not have.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, apt complex notify them that the debt was paid,
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

SPEEDYCASH.COM-XXXX XXXX bal. {$1000.00} Acct # XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Act, XXXX account # : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 8 states I have the right to privacy. 15 usc 1681 section 604 section 2 states consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

I received a demand letter from XXXX XXXX XXXX XXXX XXXX regarding old credit card debt with Wells Fargo in the amount of {$6000.00}, which indicated that I had been repeatedly advised about this debt and had failed to respond and comply. This is not true, as this is the first contact I'd had with XXXX & XXXX. In addition, the letter stated that I would be sued if I didn't remit payment and/or contact their office by XX/XX/19. Today, on XX/XX/19, I called XXXX & XXXX and spoke with the senior paralegal, XXXX XXXX, ID # XXXX, about the referenced account. I explained to him that the debt was too old to pursue ( over 7 years ) and that Wells Fargo had told me that they couldn't even pull up the old account. It doesn't even show on any of my credit reports, which were checked one day ago. He immediately became aggressively loud and verbally hostile with me. He continued to interrupt and talk over me, and when I calmly called him out on it, he became even more obnoxious! I simply told him not to contact me again, or I would sue them. I then hung up the phone.
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (OK)

From XX/XX/2019 to XX/XX/2019, and prior to these dates. American Credit Acceptance has been calling me every day ( except on Sat and Sun ) in reference to my monthly or past due monthly payment, and on several days they have call me multiple times in one day. The amount of my monthly payments are {$330.00} a month and due on or around the XX/XX/XXXX of every month. I have told them on multiple times that I get paid on or before the XX/XX/XXXX of every month. I have also told them to stop calling me every day in reference to my account, and that this is harassment in regards to this payment. They told me that they do not call me every day, and I informed that I can pull up my call log on my phone and prove that they have been calling me every day.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (CA)

TRIDENT ASSET MANAGEMENT - THEY PUT NEGATIVE CREDIT REPORT OF {$210.00} UNDER MY CREDIT. WHICH THEY ARE STATING ITS MINE WHEN AT THE TIME OF ACCOUNT OPEN I WAS ONLY XXXX  YEARS OLD. I ALREADY TRIED DISPUTING THIS PROBLEM AND ITS STILL REPORTING AS NEGATIVE ON MY CREDIT HISTORY.

THEY HAVE THE WRONG IDENTITY. ITS NOT MY DEBT.
Consumer complaint received 2022-05-04
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. (MA)

EQUIFAX is erroneously reporting my account held by XXXX XXXX XXXX XXXX XXXX Current report has my XXXX account listed under Adverse accounts stating the account as two months late payments. This is adversely impacting my credit score by over 50 points. XXXX Bank sent EQUIFAX a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXXk sent to myself and XXXX on XX/XX/XXXX XXXX.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Chase has charged me interest again on my account and I contacted customer service and they are telling me that they are charging me correctly. Im enrolled into the covid payment deferral payment program which I was told no fees or payment while in the program. See previous complaint COMPLAINT ID XXXX in which they states fee refunds I attached here : To help our customers affected by COVID-19, effective XX/XX/2020, through XX/XX/2020, we are offering the following : Minimum payment removal for up to three months Fee refunds Temporary credit line increases We sent our enclosed letter dated XX/XX/2020, to confirm your enrollment of our payment assistance program. We encouraged you to keep paying if you can because we will still charge you interest, and add it to your unpaid balance. We have enclosed a copy of your Cardmember Agreement for more information about interest charges and late fees. We reviewed your account and found we are reporting accurately to the credit reporting agencies. Because the information we send to the credit reporting agencies must accurately reflect your account activity and status, we can not comply with your request for an update.
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

First and for most, I verify that it is me disputing the information my credit report. The CFPB provides a service so that the private companies do not abuse consumers. I have a right to dispute through this portal to Experian and I have provided my credentials for proof of identity. 

I disputed some accounts on my experian report on XX/XX/2020. The letter is attached. I have yet to receive a response and it has been over 90 days. Please remove these accounts from my report as the investigation took longer than the time allotted by the FCRA. If you are claiming that accounts are verified. According to section 609 of the FCRA, you have to provide proof of that. Which you also failed to do.
Consumer complaint received 2019-08-28
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. (NJ)

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 XXXX, v. XXXX CORPORATION US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C No XXXX ).

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the XXXX CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Consumer complaint received 2022-05-04
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)

I have submitted multiple complaints about my file to the bureaus by certified mail and I have receipts. They continue to report the wrong information. Experian specifically has not investigated my file according to what I can see.

Experian continues to report that I'm late : " 2 or 3 '' times. The FCRA states that everything must be 100 % accurate and verifiable. They have not investigated this as I can see the reporting date is many years old and they have failed to provide any documentation
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: I.C. System, Inc. (CO)

I hired a credit repair service for what i thought was a lot of money ( XXXX to enroll then an additional monthly fee ). But i needed my credit fixed. A few months later i checked my credit and nothing had happened. I cancelled the service and they continued to harrass me saying that i owed them money but no work had been done on my file. Now i have a collection on my report for XXXX? There is no way i owe this. As no work was done on my file. I've tried disputing this with the credit bureaus but haven't had success. Please help me in getting this collection off my credit report.