davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I was notified that a collection agency reported a debt on my credit report in the amount of {$640.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Debt Recovery verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Debt Recovery and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Debt Recovery requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (AZ)

Oliphant Financial continues to contact me and harass me in regards to account # XXXX. I am a victim of identity theft. The account is a fraudulent account. I have never applied for a personal loan from XXXX. The account is the result of identity theft. The account is not mine and dont belong to me. I been receiving harassing and threatening phone calls from Oliphant Financial Represenatives. The representatives have used abusive and profane language and threaten me with wage garnishment, arrest, jail and prison time for a fraudulent account thats not mine. This a clear violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-06-15
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: Avadyne Health Holdings, Inc (GA)

I have found grounds that my rights have been violated company H & R Accounts XXXX XXXX XXXX, XXXX, IL XXXX XXXX ACCT # XXXX ACCT # XXXX this company has report to the major credit reporting agency, without my knowledge nor consent according to 15 U.S. Code 1681a " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer.

( 2 ) provide to the consumer written or electronic disclosure
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Wisconsin Housing and Economic Development Authority (WI)

I disputed this information as inaccurate account status on 4 separate occasions directly with the XXXX and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA SIMPL-. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX and XXXX, 2021, I was notified that a hard inquiry was done by Capital One. I have not applied for a new credit card with Capital One. I contacted them and notified them and they denied application since it was still pending ; however, the hard inquiry is still in my report. I need removed since it was not me applying for new credit card. Also, XXXX XXXX ran a hard inquiry again after this same incident occurred in XX/XX/ 2021. I requested back in XXXX that my credit report be flagged and notify me of any new inquiries but they failed to contact me. I have therefore frozen my account with experian and see if this works from having hard inquiries conducted on my account.
Consumer complaint received 2021-06-10
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. (GA)

I XXXX XXXX. My identity was stolen. A notarized Identity theft Affidavit proving it is me that submitted this report. I have provided proof of my ID Identity theft report from the Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2023-06-29
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX with account # XXXX Balance of {$200.00} XXXX XXXX with account # XXXX and a balance of {$5900.00}. 
XXXX with account # XXXX and a balance of {$53.00} 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 2021-04-13
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. (TX)

XXXX XXXX Bank is not accurately reporting the balance as {$1000.00} on my XXXX XXXX XXXX to XXXX, Equifax, and XXXX. I am not carrying a balance on this card. This card has been paid in full.
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the fair credit reporting act my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-22
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. (CA)

I returned my leased car with XXXX on XX/XX/2021, before the actual end of lease date and with some equity on my miles. I went through the whole process as to wear and tear and it was determined that there was no outstanding balance due. When I returned the car, I asked if we were settled and he confirmed we were.Because of the pandemic at the time, I was living abroad. Upon my return on XXXX and while going through my correspondence I noticed a bill from XXXX for {$380.00} for " Turn in fee ''. Their correspondence from XX/XX/XXXX stated " Payment due within 10 Days '' and further states : " .... Once your account reaches delinquency ... a derogatory mark will be reported to credit bureaus. '' Payment was made on XX/XX/XXXX, before the 10 days term set out on their won letter. 

Notwithstanding, XXXX went ahead and set a derogatory mark on my Experian Credit report. Needless to say, my payments history with XXXX and all other creditors is outstanding. 

I have sent several letter explaining the situation and only get form letters back. I have several issues with this whole process : 1 ) When I turned in the leased car ( Before the lease term and with equity on milage ) the agent confirmed we were " settled ''.

2 ) XXXX only attempted to collect via USPS, no e mails, no calls, when they are not shy about sending electronic correspondence and calling about other things.

3 ) Why did they not deduct the amount owed ( {$380.00} ) from the account they had been deducting the lease payments?

4 ) As if none of the above are reasonable enough, why do they not follow their own process set out on the XX/XX/XXXX letter? 
5 ) Last but not least, why is there even a " Turn in fee ''? Further when there is equity on the milage and the car was turned in before the lease term. ( to be addressed with the FTC ). 

To add injury to pain, XXXX misreported to Experian, reporting only the amount of the total loan and not the actual outstanding amount {$350.00}. 

I respectfully request that my credit is not affected for the reasons set-forth hereon.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (NV)

Like many people, I have several payment methods stored within XXXX  XXXX XXXX feature. Essentially it stores your card details and enters them for you. 

I have used this feature almost since the day it came out and basically never had an issue. 

The other day I was attempting to buy more years on several of my website domains. I was successfully able to add 9 years to one domain and when I tried for another a minute later my bank flagged the transaction as suspicious and denying the charge. I cleared this up with the bank immediately and attempted to process the transaction again. This is when I noticed the money for that transaction had been removed from an alternative personal account that should not have been charged. XXXX  domains is refusing to refund the money or do anything and they are telling me that if I dispute the charges with my bank they will cancel my domain that I have owned for almost 2 decades. They stole money from an account I did not authorize and now they are refusing to help me in any way. They are threatening to basically shut down my entire company by cancelling my website domain if I attempt to recove these stolen monies.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, lXXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Consumer complaint received 2022-06-15
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. (TX)

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to meXXXX XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have information reported on my credit from Portfolio Recovery Associates for an incorrect amount. When I called the original creditor XXXX XXXX  for XXXX XXXX Visa they advised me that they did not have any records of an amount I owe, they just stated to call Portfolio Recovery Associates. So if they original creditor advised over the phone that they do not show how much I owe. How is that Portfolio Recovery Associates can report to my credit? And now they have some attorney 's office XXXX XXXX involved as well. When I called Portfolio Recovery Associates they would not provide any info other than XXXX XXXX which is another debt collector. So you have a debt collector trying to collect for another debt collector.. XXXX XXXX are stating they can provide proof of the debt only, but not the original contracts or statements.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

on XX/XX/2019 i went to the bank to withdraw some money and found out that my account was being used and took XXXX dollars from my account. this happen within several transaction. i would like to request a thourough investigation and im willing to prosecute.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION BUREAU INCORPORATED (ID)

XXXX XXXX XXXX turned over a medical bill to a collection agency that I have no knowledge of. I have requested in writing and through my disputes with XXXX to have verification of the debt and that it in fact belongs to me. I have a minor daughter whose father is responsible for all medical bills. I have never received any clarification as to what this debt pertains to and what it is actually for. I find it extremely frustrating that these credit bureaus can just take the word of a debt collector and never have to provide validation of the deb to the person being targeted for money.
Consumer complaint received 2019-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (OH)

I refinanced a student loan with Earnest, with a payment amount of {$580.00} ( fixed rate ). The company deferred the loan, upon request until graduation. Upon graduation, I received a bill for {$590.00}. There had been no discussion of what the amount would be upon end of deferment. Ok, I understand this ; however, the following month my payment again increased. This time to over {$610.00}! I contacted the company and it took over three weeks to get this adjusted. They hadn't changed the end date after the grace period/deferment. I was told this was fixed and that my payment would be {$590.00} moving forward. I just received my statement and now it's {$590.00}. I want my payment and my account fixed! This should not be difficult. There are rules and regulations about billing correct payment amounts and this company is NOT meeting these.
Consumer complaint received 2022-06-15
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. (MO)

In accordance with the Fair Credit Reporting Act the accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I have had multiple issues where chase has delayed my XXXX transfers from my XXXX XXXX XXXXXXXX account to the account I have with them ( chase ). Each time Ive called them in always told its a technical issue going on with XXXX and Chase that they have been trying to resolve, yet they never send out any alerts via email or text to notify clients so we are aware and can manage our finances during that moment. Ive had multiple times where I only had my chase card on me and needed to make a purchase, I Zelled money from XXXX XXXX XXXXXXXX to Chase & chase will delay the XXXX from 24 to 48 hours, which is really inconvenient! XXXX XXXX XXXXXXXX will confirm the money has been deducted from that account and sent to chase, but XXXX will claim tech issues. A XXXX transfer usually doesnt take more than 5 minutes. Its frustrating during moments when I have no cash or any other funds on me. This is very frustrating for a XXXX mom of XXXX!
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

My student loan XXXX was transferred to XXXX XXXX from XXXX XXXX in 2013. XXXX XXXX is reporting the account had late or past due payments but this is not true since I had " in school '' deferral and XXXX XXXX did not send that information to XXXX. I did settle the account in a lump sum with XXXX   - but I was never late as I had an in-school deferral.
Consumer complaint received 2024-03-01
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. (NC)

Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  # XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-03-24
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)

I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b )  .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.
Consumer complaint received 2019-03-24
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. (GA)

I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc. (CA)

I was seen in the Emergency Room in Minnesota while I was visiting my great grandkids out there. I was very sick and they took films, cost {$450.00}. I was covered by XXXX at the time. I gave them my card before I was seen. I contacted XXXX when I returned to California. I gave them the account number of the bill, date, and mailing address. They said they would pay it, but they did not. Subsequent calls from their collection agency were answered and they seemed satisfied, but then I find this issue on my credit report.
Consumer complaint received 2019-03-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC (AZ)

I have a conventional adjustable loan serviced by Ditech After have XXXX surgeries and now with XXXX I have tried to modify my loan with Ditech. 
Ditech transferred the loan as of XX/XX/2019 and before is pursuing a foreclosure.