davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

I canceled my account with XXXXXXXX in XX/XX/XXXX( at the request of XXXX ) because I was doing long term work in XXXX, Ak. XXXX advised me that they did not service Alaska and the roaming would be too high for them so I complied and canceled my phone service ( 2 lines ). I changed cell phone companies ( at the request of XXXX ) but XXXX continued service and billing on one of the phone lines that I canceled. So, I followed up with a call to XXXX customer service in XX/XX/XXXX to ensure they cancelled both unused lines and I would not be getting billed for them. The representative at the time informed me that 1 line was still active but assured me she would cancel and take care of all lines and charges. In XX/XX/XXXX, I recieved another bill, I called and went through the same process with XXXX customer care. Again, the representative confirmed in my account notes that the lines should have been canceled. The matter was not resolved until XX/XX/XXXX when I recieved another bill for the unused second line of the account that had been closed for over a year. Again I called and spent 1 hour +23 minutes on the phone with XXXX customer service and their manager XXXX while they poured over their notes and finally apologized for the inconvienience and reversed the charges and ensured the account was closed. In XX/XX/XXXX I recieved yet another bill! This time for {$43.00} for an account set up fee. Obviously, I don't have an account so I clearly did not authorize any fees. I contacted XXXX today via live chat to contest the false charges. The online representative XXXX XXXX was unable to help me because she showed the account in fact closed but with a new set up fee. She told me to call customer service so they could help me. I have been extremely diligent in trying to resolve the inacurate billing XXXX has charged me. At this point, I feel like they are intentionally adding fees and continued unauthorized billing in a predatory manner. It is my assertion that XXXX is trying to extract money from customers who don't have to time or resources to contest false billing. Please investigate XXXX 's billing practices. Furthermore, since XX/XX/XXXX XXXX forwarded this nonsense to a collection agency. XXXX XXXX. I went through several step with them as well as the 3 collection agencies and resolved the issue with all parties except Equifax. Equifax continues to report this false charge and their customer service representatives are very difficult to communicate with. Also, 3 of the 5 times I called Equifax  through this nightmare, they couldn't help me because their system was down.
Consumer complaint received 2022-11-30
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. (MN)

I have several fraudulent inquires on my consumer profile that I did not authorize and they need to be removed immediately as per regaurds the FRCa law 1681 ( a ) ( e ). The inquires are as follows : XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

This complaint is against XXXX XXXX XXXX XXXX in the amount of {$4900.00}. 

In XX/XX/2018, I became a victim of identity theft. An unknown suspect opened multiple lines of credit and made purchases falsely with my personal information. Along with Mattress Firm, other accounts opened included XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/2018, as soon as I became alerted of this fraud, I immediately filed a police report with my local police department. This case is now inactive and a police report is available. The detective of my case, instructed me to complete an FTC Identity Theft Report on IdentityTheft.gov, which I have also completed. 

In XX/XX/2018, I contacted XXXX XXXX XXXX XXXX on the phone. They instructed me to fill out an affidavit that they would send by mail and for me to return it to them in order to confirm fraud. Being a first time victim of identity theft and because of the severity of fraud I had encountered, I did not realize these documents were time sensitive and did not return it in the time I was given. I called and spoke with a representative and asked if there was a way I could request an extension. I did complete the affidavit and faxed over these documents on XX/XX/2018. I also mailed them on XX/XX/2018.
Consumer complaint received 2024-03-07
Product: Credit 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: Self Financial Inc. (NJ)

Already spent time on having a XXXX issued, as well as a XXXX on the fraudulent party. Apparently, Self is in the business of theft themselves wasting the time of someone who judges fraud for a living. Incompetent and incapable attempting to waste my time further with internal " policies '' when the fraudulent bad actor is up for disbarment. Self Financial should learn the law instead of rote memorization of policies that are inferior to a legal application. I already entered a judgment of fraud for {$350.00} with the burden of proof on the false claimant if property rights. Self Financial can't even correctly define the burden of proof and think they actually have the ability to enact fraud judgments without a relevant judicial license.
Consumer complaint received 2020-12-15
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: DISCOVER BANK (NY)

On my 3 Credit reports from, XXXX, XXXX, and XXXX  there are 2 closed ( charged off ) accounts that I believe were opened fraudulently in XX/XX/2016 by Discover bank, and also in XX/XX/2016 by XXXX XXXX. I know these were not opened by me because I was still in high school and didn't know about credit until my recent years. I've spent the past year disputing these accounts as fraudulent and haven't had any response from either creditor. These fraudulent negative accounts are stopping me from proceeding to my next steps in life and are hurting my credit score very bad, I would appreciate any help I could get. 

Thank you.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

This Account Information My Bank : XXXX I opened an account at PayPal to work in the purchase of products via the Internet and received money by my trade and there is no problem on XX/XX/2018 I received an email telling me that your account has become limited and we want some information about you from the picture of the personal identity and a copy of The account statement was opened and an account was sent to them and the complete information that was requested was contacted by the customer service over the phone Talk to me technical support staff and told him in the problem and told me this is normal procedure and your record is clean There is no problem in your record and this question time I told you Thank you Tell the employee when a new account is opened My account was closed within 24-48 hours. An account was opened by the specialist. I told you thank you. I was locked for 6 days. I spoke to the customer service to find out what happened in a problem. My account was shown to me. I gave her full information to access my account. If you have a problem, please tell me if my job is clean and there is no doubt and the employee told me that my record is correct and the account will be returned. Please tell me, please wait a few minutes to know the reason for closing. I told her there is no problem. Some 3 minutes passed on a phone. I told her I have no other account and no It was possible to open a second account because it allows me to open only one account. You told me that you are liar and an account was closed because of the similarity between me and other accounts that were established and I closed the phone and I speak. Why this racism and I know that America is a country of freedoms in the religions and this bank has the right to open an account I ask your accounting by accounting this company and force the company to recalculate Note I am the company PayPal I open an account for people living in XXXX and are created accounts that people live in America and were corresponded from a company for this subject and was sent to them the account number of people living in XXXX and I have information and accounts of people living in XXXX with their own accounts And conversations will be sent this information to competent authorities
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
1 XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (SC)

Online Information Services a collection agency for XXXX XXXX. Online Information Services list on all three credit bureau for me as a charge off for {$170.00} XX/XX/2017. And neither company can provide me with proof that this account is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 3 years.
Consumer complaint received 2022-06-11
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. (NJ)

In accordance with the Fair Credit Reporting Act Bankruptcy Chapter XXXX Docket # 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 without my written instructions.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AL)

XX/XX/XXXX filed complaint with CFPB ( XXXX ), about lack of response from my inquiries to XXXX XXXX XXXX regarding debt settlement for Account # XXXX. 

XX/XX/XXXX XXXX XXXX reports the debt in question to the Credit Reporting Agencies with the status of " Collections ''. The last reporting of this debt by Midland was XX/XX/XXXX. 

XX/XX/XXXX Midland responds to my CFPB complaint indicating that I must communicate with their lawyer, XXXX and XXXX. I was judged " indigent '' by the XXXX County Circuit Court who reviewed this case and I have received no further communication from this lawyer. If XXXX XXXX is still actively reporting this debt to the Credit Reporting Agencies, the company should be able to contact me directly.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc. (MS)

12 hard inquiries and collections on my XXXX, XXXX, XXXX credit report that i have no knowledge of, and it was done without my permission, knowledge, or consent these inquiries are ( XXXX XXXX XXXX XX/XX/2020 ) ( The XXXX XXXX XXXX XX/XX/2020 ) ( Bay financial XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) XXXX XXXX is under collections through XXXX XXXX  XXXX XXXX XXXX {$200.00}
Consumer complaint received 2022-07-21
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. (GA)

I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score -61 points without a change but they seem to be passive aggressively ignore my disputes
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (PA)

Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. BSI MTG has my payments are late 90-119 days in the month of XX/XX/XXXX, however XXXX has no information.
Consumer complaint received 2019-11-17
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. (SC)

Around XXXX XXXX 2019 received completed compliant from XXXX   XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX2019 when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PACIFIC PREMIER BANCORP, INC. (MD)

In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I wasnt Notified that my account was going to be close when they told me to send bank statement to prove that its my account and I never heard back from them
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

I have repeatedly attempted to get this company to delete this fraudulent debt off my credit report. I have asked them to send me a copy of the original signed contract and they have failed to do so. By law they need to produce an original contract with my signature. This has gone on long enough If they dont delete I will hire a lawyer and sue them for this fraudulent depth. They have also lied about sending my some sort of fraud paper work. It has never been sent to me. I have filed a police report and took all the steps to get this off of my report. Delete this fraudulent charge off of my report immediately.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC. (WA)

On XX/XX/XXXX I contacted AFNI who is a third party collection agency located in Illinois to settle a subrogation claim. Upon contacting them they failed to advise of the debt, charged me a fee in order to process my payment which is not legal in Washington state where I reside, and ran my debit card as a credit card which is against the CFPB regulations. They are refusing to provide any receipt that I paid my bill until five business days and when I called to resolve these issues I was at first placed on hold then transferred to a voicemail with no ID, then talked to abusively by XXXX in the compliance department.
Consumer complaint received 2018-04-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TN)

I purchased a XXXX XXXX XXXX in XXXX of XXXX due to my other car being totaled in water damage. Me and my wife moved last year and the XXXX XXXX was totaled by negligence due to the moving company hitting it with their moving truck.contact XXXX XXXX and told them I wanted to do a voluntary repossession because The car was totaled and the moving company was suppose to pay for it .They at that point decided to tell me they could put my current balance due on hold until the moving company got the car repaired But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle and the moving company will be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I knew that I had a balance left that was roughly {$28000.00} Which no payments were behind I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was { {$660.00} when they sold the car in XXXX the balance left was {$1000.00} Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
Consumer complaint received 2023-04-09
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. (NJ)

I, XXXX XXXX, am a natural human being and I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they have violated my consumer rights multiple times. I demand the accounts listed here are modified and updated to Paid as Agreed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX The credit bureaus are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USCs-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was put on as a co-signer with no credit and no income. The main signer has become delinquent and I tried to get them to take me off as a co-signer and they wont let me. They said I have to pay off the remaining balance ( {$45000.00} ) when the buy price was {$25000.00} 3 months ago. My credit is getting destroyed now I have established it. Can you help me get off
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One does not put accounts legit information on your credit reports so when you pay your bill they still put you don't pay which messes with your credit report and then when you try to alert them of the issue they don't want to help
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I was named Personal Representative for my brother 's estate when he passed away in XXXX, 2019. In XXXX, 2019 - his condo was sold and Mr. Cooper provided mortgage pay-off letter. At closing, it was discovered we had overpaid during mortgage settlement. One overage check {$700.00} received and cashed in XXXX, 2019 ; however, additional checks were not received. 
XX/XX/2019 - Submitted complaint to the XXXX XXXX XXXX in Texas. 
XX/XX/2019 - Mr. Cooper advised that checks were issued on XX/XX/XXXX for {$310.00} and XX/XX/XXXX for {$71.00} but, despite my correspondence, checks were sent to my brother ( deceased XX/XX/2019 ) in card of his address ( which was sold XXXX, 2019 ) -- checks were never received, presume " lost in mail '' or simply returned to company as undeliverable. Their letter advised that these checks were stopped and reissued on XX/XX/2019. They were never received. 
XX/XX/2019 - Reopened complaint with XXXX XXXX XXXX ( Texas ) since 2nd set of checks were not received. 
XX/XX/2019 - Mr. Cooper replied that checks again had been sent to the wrong address -- these checks were stopped, reissued and mailed on XX/XX/2019. As of today, XX/XX/XXXX, no checks have been received. 
XX/XX/2019 - Reopened complaint with XXXX XXXX XXXX ( Texas ) and requested checks be reissued and sent to me, Certified Mail, at my new address. 
Amount remaining due is {$380.00} ( confirmed with their records ), four months after paying off mortgage on XX/XX/2019.