davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (CA)

A recorded message keeps contacting me and my family. Stating they need my address, they have been trying to deliver legal documents to me. The recording gives their clients telephone number to be XXXX and file number XXXX. This number is to XXXX XXXX XXXX XXXX XXXX is rude and abrupt. I have been receiving these calls since XXXX. I filed BK in XXXX. My attorney spoke to XXXX also. The claim in that Chase has hired them to collect on a credit card debt. I spoke to Chase. Chase states they have no claims against me.
Consumer complaint received 2023-03-25
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)

Just look at my credit reports. XXXX, and experian both don't know my actual legal name and I think they have not done a very throughly investigation or they could spell my name right by now after all these so called verification of debts and you can't even get my name right. This pathetic and I think yall have me confused with another person. Iv turned in my social security card and drivers license may times now and still get my name wrong. Now I want my XXXX dollars a violation now for blatenly reporting Ina curate information matron yet again. Now.llok real close to name that is clearly printed with a XXXX at the end now does.its. that proves your verified information is incorrect I want these accounts deleted now all of them now I won't take XXXX for a answers cause the fair credit reporting act says its illegal to post in laccurate information cause its your civil duty to repirt XXXX perslcent accurate data. Or XXXX has to be deleted. Want cha done say that .consumer report violation!!!!
Consumer complaint received 2021-11-06
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 am a victim of identity theft. I called Experian to request a block of the fraudulent information on my credit report. The woman on the phone said everything looked great. However, a day or two later, I received an email from Experian telling me they wont block the information because my reports dont meet the criteria. I call back and am told to create an updated FTC identity theft report so I go ahead and do that right away and submit it. The next day, a new email from Experian saying the same thing. Both emails made no sense -it felt like they were just making up random excuses that didnt even apply to me just so they dont have to block the info. As of now, Experian still has not blocked the fraudulent accounts on my reports.
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.
Consumer complaint received 2021-01-27
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. (IN)

I am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief.

I have contacted the following credit bureau ( s ) : Equifax, XXXX  and XXXX : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with Equifax, XXXX and XXXX  : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington home mortgage services has been servicing the account for the last several years and had just begun ( without any notification ) to add a convenience fee to my online payments. This is in direct violation of FDCPA section 808. They are charging an excessive, non agreed upon fee, to a debt. 
On XX/XX/XXXX I was checking my account for some other purposes and noticed the new add on fee and immediately called CMS to try to rectify the issue. I was told that since the state of New Jersey does not have a state FDCPA they are not in violation of the federal FDCPA. I believe their actions are a class action suit waiting to happen.
Consumer complaint received 2019-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOTIVE CREDIT CORPORATION (TX)

Company states debt was paid but they have no record of chain of title. Debt company attempting to collect on a debt I never signed an agreement with nor do I owe any money to them. Moreover, this debt was removed from my credit profile and replaced back on by this collection company. Company continues malicious attempts to collect on a false debt with harassing phone calls.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX I was notified that synchrony was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report ( to which I wasn't made aware of prior nor gave consent to furnish ) XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX XXXX and XXXX ) regarding XXXX debt that they were claiming I owed. ( this alleged account has also been constantly reporting charged off every month and is also written off/charged off ) ( There can not be a balance due on a charged off account and when it's been written off for taxes.That is a XXXX tax form ) XXXX went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to synchrony 's debt collector ( XXXX XXXX XXXX XXXX XXXX NOT licensed to collect debt in my XXXX XXXX XXXX and also retrieved my consumer report with out my consent or acknowledgement ) XXXX XXXX continued I still had not heard from any XXXX of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the XXXX CEOs of the XXXX credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.XXXX XXXX XXXX XXXX XXXXo XXXX has responded back to me as requested.
Consumer complaint received 2023-04-02
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. (FL)

XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations
Consumer complaint received 2020-07-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (OH)

I've paid the debt on XX/XX/2015 to XXXX XXXX the collection agency the debt was sold. I have a copy of the letter still. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check XXXX go was suing me for non payment. I requested validation of the debt and was advised they can't and won't send me anything. The number I was contacted from was XXXX which directed me to XXXX XXXX.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

This complaint concerns getting access to My Equifax account, as well as, obtaining a credit report from them. Trying to resolve the issues started in XX/XX/XXXX. 

I created a My Equifax account after discovering that my credit information was stolen during their security breach. I applied for a credit card in XX/XX/XXXX and was refused because they were unable to get needed information. I was unable to temporarily remove the credit block because I am unable to sign into My Equifax account even though I have the correct password. 

After hours and hours on the phone, mailing information to prove my identity, faxing more information regarding my identity because the mailed documents, I was told, were not received. That scares me. I eventually made some head way and received an email to reset my password on XX/XX/XXXX but the link did not work, and I have been faxing and asking for assistance to resolve the issue since and have had no answer. I also filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX but there was no resolution through that complaint. 

My last fax to Equifax was on XX/XX/XXXX giving them until yesterday XX/XX/XXXX to respond and assist me. This was a follow-up fax from XX/XX/XXXX that was never answered. 

Equifax is not working with me and assuring that I can get into my account, a very simple request. This situation consumes an enormous amount of my time and creates immense distress and hardship for me, especially, since I can not conduct business freely or get needed credit information. It is for these reasons that I am turning to you, be an advocate, so this can be resolved. 

This is a formal complaint against Equifax and its business practices, which I feel are unjust and not consumer friendly.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Commonwealth Financial XXXX XXXX XXXX XXXX XXXX XXXX  Please assist.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2018-02-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I have a second mortgage loan that was charged off in XX/XX/2009 in the amount of {$29000.00}. At the onset the loan was owned by Chase Mortgage whom I modified the loan with. Due to the charge off portion of the loan, Chase maintains a lien on the property. I contacted Chase to settle the debt through the sale of the property. Chase informs me that they have sent the loan to XXXX XXXX XXXX company who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (TN)

XXXX AND EXPERIAN Violation of Privacy and inaccurate and unfair reporting. 
THERE ARE TWO COLLECTION ACCOUNT ON MY CREDIT REPORT FOR ATT. THE COLLECTIONS AGENCY ARE REPORTING THE SAME ACCOUNT AND THEY BOTH HAVE INACCURATE INFORMATION.
Consumer complaint received 2021-11-29
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3300.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$3100.00} XXXX XXXX {$1400.00} XXXX {$530.00} XXXX XXXX {$15.00} XXXX  XXXX {$22.00} XXXX XXXX {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$230.00} ( Original XXXX XXXX XXXX XXXX ) XXXX {$83.00}
Consumer complaint received 2022-04-29
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-04-29
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. (PA)

After reviewing my credit report on XXXX I noticed that discrepancy with account listed under Fair collection & Out on my XXXX & the same account is listed under numbers XXXX on my Equifax & validation was requested as this was an account that I did not recognize. I reviewed my account again on XXXX & account continues to report. I have not received any correspondences from the creditor to validate this account as correctly belonging to me. After reviewing my account again for the last time for XXXX there has been no updates & the account is to reflecting on my report. I do not believe this account belongs to me I do not believe this creditors has authorization to access the account nor authorization to attempt to collect on this account & the account continues to negatively affect me. Please remove this account from both equifax & XXXX. 

I would like all addresses removed except XXXX new XXXX XXXX XXXX pa XXXX on all three credit bureaus Reviewing my credit report XXXX XXXX  is reporting on my Equifax I been disputing since 2021 XXXX but, they will not validate the debt. I never heard of this company & I never authorize them to report on my credit report. As Im checking over my equifax again its still badly Reporting my credit report. Please delete this account please
Consumer complaint received 2022-04-29
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)

The company is XXXX XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I have put my normal spend on my credit card. Credit card company decided to not pay rewards since they are labeling it Account Abuse / Misuse and Fraud. This is not the case. I believe they are doing this to just not pay rewards.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (TX)

It shows on my credit report tht on XX/XX/2019 a amount of {$35.00} is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (MT)

I filled for bankruptcy in XX/XX/2016 Case # XXXX and DIVERSIFIED CONSULTANTS INC was included in my filings. They just posted something on my credit report that was included in the filings.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C. (TN)

We received a complaint from a debt collection agency called.Trident Asset Manager for a check written to XXXX XXXX over five years and 10 months ago. The check was for {$52.00} and was presented to our bank and the bank paid it two days later. It was a valid check and Trident continues to claim it was a bad check. I have called them several times. They want our bank account number, date of birth and the last four numbers of our social security numbers. They refuse to provide a case number/account number until they receive the personal information they requested/demands. Per the CFPB website, we are advised not provide personal information to a collection agency. I personally believe they don't have a number or a check number, if they did, they would have the check number. I have written them twice a year for the past three years with no answer. I began calling them which has been to no avail. They started hanging up on me for the past two years.

In addition, there are two other gentlemen with my name, neither are related to me. I also plan to write XXXX XXXX and the local XXXX XXXX XXXX. We would certainly appreciate your help. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The company is XXXX  XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I took applied for and was approved for a payday loan, however, I have had an extremely tough financial hardship and honestly couldn't even afford XXXX dollars monthly to pay off my debts. I don't know if I need to explain the whole story. Basically, I am just wanting it to be known that I am going to and in the process of trying to get the situation resolved. My parents have been harassed, however, and they keep attempting to take it out of my bank account without my approval. Please advise on what I can do to get this issue resolved, thank you!