davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
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: I.C. System, Inc. (CA)

I.C. SYSTEM, INC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$920.00} collection account however I do not have knowledge of signing an agreement with terms and conditions with I.C. SYSTEM, INC.

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

In summary I.C. SYSTEM, INC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state.

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.
Consumer complaint received 2019-09-25
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)

After several attempts to get information corrected via their dispute process Equifax failed to properly address multiple inaccuracies on behalf of XXXX XXXX in regards my credit file. 

As of XX/XX/2019 after receiving notice and letter in response to a complaint previously filed with CFPB and being provided a copy of the response to delete the tradeline from XXXX. Equifax has updated the report by leaving this tradeline on my credit file They recieved this information from both XXXX during their investigation and from me at the start of the investigation
Consumer complaint received 2018-05-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

I have been submitting complaints since XX/XX/XXXX. Wells fargo is well aware that the vehicle I have is part of a massive XXXX Airbag recall. My vehicle has a double recall and has had that since XX/XX/XXXX. The last response from wells fargo said to file for a hardship refi and that the parts were available. We contacted the same person at the local XXXX dealer, XXXX, as was told the parts are not available and they did not know when they would be available. Furthermore, they are not completely replacing the airbags, they are only changing the inflator. The vehicle is on non-op and is a threat to safety and is deadly. All of this information has already been sent. Wells Fargo says that we have a loan with the which in fact we do not. We have a retail sales installment contract with the dealer. When wells fargo purchased this contract they changed the original terms which we did not agree to. A letter was received from wells fargo to the fact that they denied the original contract and changed the terms. Wells fargo has refused to help in any way since my initial complaint in XX/XX/XXXX. I just called the office of the president and was told they couldn't help and was transferred to someone named XXXX, and of course got a voicemail. I will not apply for a hardship because this is not the case. THE CAR IS DEFECTIVE AND DEADLY, IT IS ON NON OP, THERE IS NO FIX FOR THE AIRBAGS, WE DO NOT HAVE A CONTRACT OR LOAN WITH WELLS FARGO, I WILL NOT PAY FOR THIS CAR BECAUSE IT IS DEFECTIVE. WELLS FARGO CUSTOMER SERVICE, OFFICE OF THE PRESIDENT AND COLLECTIONS DEPARTMENT IS A JOKE. THEY THINK THIS IS FUNNY AND DONT CARE ABOUT ANYTHING BUT TAKING PEOPLES MONEY AND XXXX THEM OVER. HOW ANY TIMES DO I HAVE TO COMPLAIN TO GET SOMEONE WITH SOME AUTHORITY TO GET ON WELLS FARGO ALREADY?
Consumer complaint received 2019-05-04
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. (CA)

I wrote letter to Equifax asking them to remove accounts that I felt that they were reporting inaccurately. According to 609 of the Fair Credit Reporting Act in order for a credit bureau to place something on you credit file, by law they must have original documents to verify before placing them on your account. So they have not furnished any documentation they just sent a letter stating that the reporting was verified and accurate.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (DC)

Penfed has inaccurately reported information to the credit bureaus. I have disputed the information reported numerous times and have also spoke with a supervisor concerning the documents I submitted to them not being returned with a contact person, name, contact info etc. This issue remains ; I have never paid 30 days past due. I make payment through the Penfed app and payment the amount the app reads due. Penfed is reporting that I missed a payment when I in fact did not and is refusing to correct the inaccuracies. Penfed also will not take accountability for their App showing amounts due that may differ from their accounting. My credit should not suffer for company mishaps, whether human error or computerized.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX  .... Balance {$4600.00} ; XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 ; XXXX XXXX XXXX XXXX of request XX/XX/2021 ; XXXX XXXX Date of request XX/XX/2021
Consumer complaint received 2023-07-27
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. (AR)

I had a secured credit card from XXXX XXXX XXXX and I paid {$100.00} to secure the debt. I asked the account to be closed and the company said my account was closed and I was denied access to the account. XXXXXXXX XXXX is reporting a past due amount up tp {$260.00}. When I disputed this. XXXX and XXXX updated my report to 0 past due but that there was a charge off of {$100.00} to XXXX the original {$100.00} was suppose to be refunded to me, yet I have not received my {$100.00} and There should have been no reporting of past due or charge off.
Consumer complaint received 2019-05-04
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. (MO)

The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 )  XXXX XXXX, ( 2 ) Dept of ED/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}
Consumer complaint received 2021-06-16
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. (KS)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello, I applied for the XXXX credit card with Chase Bank about 6 months ago and I got approved and received my card and start using it. 

I also applied for the XXXX XXXX credit card with Chase Bank about a few months ago. I got approved, received the card and start using it. 

The other day when I called XXXX XXXX credit card to see why I have not been able to use the card past few days, they told me that my account is closed. I asked why they said they do not take closing an account lightly. That was their answer. 

To my surprise also found out later that day that the XXXX credit card was also closed. I asked them why and they said the same exact answer : they do not take closing an account lightly. 

Chase Bank did close my checking and savings account 3 or 4 years ago for no reason explained to me. But why would they give me credit cards and close it? This is hurting my credit score. 

Can you please look into this and let me know? 

Regards,
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Store credit 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 (AZ)

OnXXXX I ordered XXXX gifts snd called kohls 6-8 times to let them know label stock in system creation date XX/XX/20 XXXX. Order # XXXX snd out of all people I talked to supervisors and agents etc. they told me item will be here XX/XX/20 tomorrow is XX/XX/20 label still stuck in system. 
Moving forward on XX/XX/20 I ordered # XXXX and its going to be here on Monday XX/XX/20. Where is my first order? Im so frustrated
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (FL)

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-08-28
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. (CA)

I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Consumer complaint received 2018-05-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Steven A. Booska (CA)

Date XX/XX/XXXX. Amount XXXX. This debt is a collection company Steven A Booska Attorney at law, the debt is for a federal student loan, which is in for bearance with a server XXXX, the 2nd account is a personal loan with XXXX XXXX XXXX, that has been discharge under bankruptcy in XX/XX/XXXX I have sent all documentation to this collection, company, they have refused to except any of the documents, they keep sending, letters that are not appropriate and harass and using threating tactics, please help.
Consumer complaint received 2023-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc (MO)

I have zero dealt with XXXX which the staff XXXX has confirmed but failed to send me an email the XXXX  balance. I was completely shocked to find out that they had reported me to all CRAs with a fully paid XXXX  balance that was not past due. Their debt collector made no attempt to contact me and went straight to my credit report and reported for XXXX I did file a XXXX XXXX XXXX complaint ad this is the second time XXXX has made false statements to my Credit report. 
Regulation F under the FDCPA states that a debt collector can not report to the CRAs without first contacting the consumer. There was no contact attempts from XXXXXXXX debtor collector. 
The FCRA states that I have a legal right to an accurate credit report. Claiming that I owe them {$100.00} when my balance was XXXX was a scam by XXXX to get money from me that was not owed them. This is the second time they have done this. 
Although my balance was XXXX the XXXX administration has stated that medical debt can not be reported until it is past due for one year. I had no past due balance at all and yet XXXX reported the alleged debt. 
The Biden administration also stated that Medical debt under {$500.00} can not be reported at all. My balance was XXXX and even if the {$100.00} were accurate its still under {$500.00} Because of ongoing recklessness with TAUC I filed a XXXX XXXX XXXX  complaint in the past and was promised that the false reporting to my credit report will never happen again. It happened again. XXXX is also aware that Im XXXX and fighting a life-threatening illness and maliciously decided to report to my credit report falsely to try to get money out of me and bully me. I had to spend many hours trying to get the false report removed from my credit report. I also filed a dispute which was very difficult because XXXX XXXX promised to email me that my balance was XXXXXXXX but then refused to send me the information. She also promised me that I would be followed up with that day and I never was. 
XXXX is aware that I am XXXX XXXX  and battling a XXXX XXXX XXXX and decided to stress me greatly by making false statements to my credit reports. Their behavior is egregious and ongoing. XXXX has caused me damage. Is it extremely stressful to fight a false report on my credit report. I had to do it myself and it was made worse because their agent refused to send me an email stating that my balance was XXXX. They are bypassing the law and trying to get money out of people by making false statements on their credit report. I am demanding something to be done to help myself and to stop this ongoing behavior from this company.
Consumer complaint received 2022-12-15
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. (NJ)

called TXXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
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: ARVEST BANK GROUP, INC. (CA)

Arvest Central Mortgage is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX-14 by Arvest as it states on the credit report. The date we filed Bankruptcy was XXXX-14 and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after Arvest Central Mortgage sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.
Consumer complaint received 2019-07-16
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. (NJ)

I have sent 3 dispute letters to this credit bureau in the past 3 months revolved unverified information being reported in my credit report. I asked for an investigation and for a method of verification for the unverified accounts being reported and the credit bureau has not provided me with that information and is still reporting those unverified erroneous accounts.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roycroft Management (CA)

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with Mr. XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. 

He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. 
( I had requested that Mr. XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2.  Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by local law ) The creditor The creditors attorney The debt collectors attorney ( Mr. XXXX told my business partner the specific details of my debt ) 3. A debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. 
( I received 4 missed phone calls from Mr. XXXX in a 10 minute period from XXXX XXXX  MT XXXX XXXX  MT ) 4. Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( Mr. XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXXXXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
Consumer complaint received 2022-12-01
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. (FL)

I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX