davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX / XXXX / {$11000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I leased a car from XXXX XXXX XXXX for 4 years, account XXXX. To pay the lease, I used XXXXXXXX XXXX XXXXXXXX XXXX XXXX setup with their auto-pay service for a total of XXXX payments. During the years of payoff, I received countless generic mailings offering me XXXX sponsored trade-ins and XXXX upgrades. The first personally directed contact I received from XXXX was XXXX of XXXX. At that time a XXXX representative called to tell me that my lease was 90 days past due and that I needed to purchase the car or return it. I quickly found financing and purchased the car. 

When I asked how my account could have gone 90 days past due without anyone from XXXX contacting me, I was told that electronic communications had been sent to me. Further research showed that because I had been paying via XXXX XXXX XXXX, the buyout and past due notices had been sent to a XXXX email address rather than to me. XXXX informed me that the email address XXXX had been using did not forward to me. In other words, I had not received any notification of end of lease, terms of the lease buyout, notice of my past due account, or notice of the negative credit reporting. I asked why XXXX hadn't sent a postal letter. I was told that XXXX XXXX XXXX wouldn't have known my home address, only my electronic information. The agent told me that the dealer is who had been postal mailing me marketing materials all these years. 

XXXX has already removed these late payments from my credit report. I have repeatedly submitted similar disputes with Equifax and with XXXX, but those disputes have not been successful
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to get help updating my personal information with XXXX, XXXX, and Equifax I have been trying for XXXX to get my address, birth date, and correct spelling of my name my only employer with XXXX, XXXX, and Equifax and they will not update my XXXX  information I have mailed in proof of my Residence and my XXXX  XXXX  XXXX  bills, XXXX 's and still no change I started disputing in XXXX.
Consumer complaint received 2015-05-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NE)

After XXXX other miss informed ordeals with OCWEN Loan servicing LLC and losing nearly {$1000.00} 2-3 years ago I want to record any and all calls with them for my records. the beginning of this year I had a financial storm with my health insurance being erased and my medications that are usually less than {$10.00} costing over {$250.00} on my fixed income. not a week later the hot water tank flooded my home wiping out my emergency money and then the bank did n't follow through with their over draft protection costing me excessive fees. I had only XXXX way to get my head above water financially it was to miss XXXX months house payment until I could sell a few things to get caught up. I tried to explain my situation numerous times to OCWEN and keep them informed but they began to get belligerent and disrespectful and demanding payment. They have refused to be recorded on the phone while trying to find a solution to this situation. I went the extra mile seeking mitigation through XXXX XXXX as they did a conference call only to be told its against OCWEN 's policy to have such a call and being recorded by XXXX XXXX for their records as well as mine. Investigating my options I have run into XXXX of complaints when dealing with these rude arrogant employees including Supervisors. They are trying to force a foreclosure by sending back checks for the monthly payment that was sent in. It is in my opinion and many others that OCWEN has NO intentions of dealing fairly with the public. I have every intention of getting caught up and trying to work with them with no results.
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I opened a Savings account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX in XXXX, Ohio with a XXXX XXXX XXXX ID : XXXX and when I arrived home I received an alert that I had a Hard Inquiry on my Transunion credit report from XXXX XXXX XXXX XXXX. All I did was open a Savings Account & all I signed was a signature card to open said account. I did NOT give authorization for a credit check, especially a Hard Inquiry for a simple savings account.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (VA)

Put money on my card on XXXX XXXX 2015 and I 'm still waiting for it to be credited to my account I have called a whole bunch of times to the XXXX number is the XXXX number to get hung up on that is the runaround I 've left messages via rush card via XXXX XXXX unirush ... too no avail..
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Consumer complaint received 2022-02-07
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. (NJ)

I reported to Equifax that 1. The revolving account information on my credit report is obsolete. Their credit report date for my revolving accounts shows XX/XX/XXXX. 
2. The reported balances are wrong.

3. The credit utilizations are wrong, 4. The installment account amounts are wrong.

These inaccurate information are having adverse effects on my credit report score. 

Equifax is reporting my XXXX XXXX account XXXX balance as {$2300.00}, with a credit utilization of 15 %. The actual XXXX XXXX XXXX reported balance is a credit of {$2.00} with a credit utilization of {$0.00}. 

Secondly, Equifax is reporting my XXXX XXXX account XXXX balance as {$5500.00} with a credit utilization of 22 %. The actual balance is {$800.00} with a 2 % credit utilization rate. 

Equifax is reporting for installment accounts XXXX ( for XXXX XXXX XXXX XXXX ) balance as {$11000.00}. However, the actual balance is {$5300.00}. 

As you can see this is a significant difference from almost a year ago to date. Please kindly request that they update their report date from XX/XX/XXXX TO XXXX XXXX. All effort by me to do same has proven unsuccessful. Thank you
Consumer complaint received 2017-02-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

This is in reference to case # XXXX. I have not received any correspondence from Chase since I received a letter dated XX/XX/XXXX where they admit their mistake and advised me I would have resolution within XXXX days. I have called and left a voice mail with XXXX and have received no response. In addition, after pulling my credit report today, it shows a large " past due '' balance which is not correct. XXXX is also showing that Chase has reported my payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. Lastly, I have not yet received my XXXX tax form which I need to file my taxes. This form is " unavailable '' when I log into www.chase.com. I also have no faith in the actual amount that will be reported on this form since my loan is so messed up. I want an update on my loan and resolution to all of the issues I 've listed above.
Consumer complaint received 2019-05-28
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

This is an old account that collectors have never closed. I have had to file complaints against each debt collector. To date this is the FIFTH collection agency attempting to collect on a debt that was paid in full back in 2018. It was attempted to be collected by : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and now a company named JEFFERSON CAPITAL SYSTEMS. 

This is an attempt to collect on a XXXX bill from 2018, which was paid in full at that point in time, and all subsequent debt collectors have assured the government and myself that the account would be marked as pain in full and CLOSED. Clearly this is not the case and JEFFERSON CAPITAL SYSTEMS is attempting to collect for a debt that is not owed, and the reason all previous debt collectors have closed and removed the account. 

JEFFERSON CAPITAL SYSTEMS did not send a letter, email, phone call - nothing to alert me that it was attempting to collect a debt from XXXX from over XXXX ago. I attempted to call JEFFERSON CAPITAL SYSTEMS XXXX and the wait time was over XXXX each time I attempted to reach them. 

I request that this debt collector be removed immediately from all three of my credit reports, and that this debt collector mark this account as CLOSED so I don't have new collectors again attempting to collect on an account that was closed several years ago.

Please see attached former debt collectors for this account.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I found out the my EDD Bank of America card been charged everyday from XX/XX/2020 to XX/XX/2020 by XXXX XXXX totaling {$4000.00} without of authorization and knowledge. I dont have XXXX or XXXX account and never purchased anything from them. I am XXXX XXXX XXXX woman never played or purchased XXXX. I contacted BoA and opened a case and also did a police report. Bank of America denied my claims by saying there was no errors and the case has been resolved. I have called them 5-6 times and talked with different claims representatives but so far nothing has been done by BoA. I want them to pay my {$4000.00} that was charged by XXXX XXXX immediately since this was my unemployment money from my hard work. This has brought hardship and stress issue for me and my family. Please let me know what else do you need from me.
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I keep getting calls from Portfolio Recovery for a debt by someone with the same name as mine. I keep informing them that I 'm not the person they 're looking for. I even gave them the last XXXX digits of my SSN, which of course, did n't match the person that they 're looking for, but they still continue to call everyday. The number they 're calling from is usually different every time but the caller ID shows that the calls are from Portfolio Recovery.
Consumer complaint received 2023-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

I received this email from XXXX on XX/XX/2023 to my student email saying that the payment terms for my student loan had changed and that I had a payment due on XX/XX/2023 ( 3 days from now ). These terms did match what I have read in my loan agreement. I do not graduate until XX/XX/XXXX, therefore my payments should not be starting yet. I have already reported this as a phishing scam but I wanted to check the validity of this email. I have pasted the email below : Navient Loan Services XXXX XXXX XXXX Navient Logo. 
Go directly to this document in your Navient Inbox. 

XXXX, the payment term for your loans has changed. 

Next payment amount : {$330.00} Next payment due date : XX/XX/2023 Pay Now This payment schedule replaces all previous schedules for your loans and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

If you use a billing statement You'll soon receive an updated statement reflecting your new payment amount. 

We're here to help We're happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about this change or your account, visit us online or give us a call.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC. (FL)

Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MN)

I have my disbursements form my bankruptcy only to find out that payments were transferred from XXXX XXXX Mortgage company to Midfrist bank which is Midland mortgage. and all past due amount are paid so the cashiers check for XXXX added more than enough to cover escrow and taxes and any late fee. please review the XX/XX/2021 Mortgage statement and have them explain what is this total fees and charges are they added to my bill. see attachments and reopen this case.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the XXXX. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.