davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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. (MA)

CFPB in my most recent dispute on XXXX to Equifax they responded that they needed additional information to identify me. CFPB this is my four dispute on this inaccurate late notice to Equifax they have know my identity. This is the fourth violation by Equifax after they requested proof of my payment and I have provided factual proof and documentations showing that my XX/XX/XXXX payment was received and made on time for XXXX XXXX four times now. 


CFPB under your supervision please have Equifax uphold the law again this is the fourth violation on this dispute. As I explained in my last dispute Equifax shouldnt be able to violate the law by continuously telling my that my letter look like a credit repair company or that I need to verify my identity. They have responded to my dispute before and a just continue to violate the law by not removing this inaccurate late notice. This is not right or fair they Equifax continue to violate my rights under the fair credit reporting act. CFPB please hold Equifax account for the four violation of my dispute. 

CFPB I have provided again supporting documentation of confirmation email I received from XXXX XXXX Card clearly showing that my payment was received and made on time for the month of XX/XX/XXXX. I have also provided a copy of my Massachusetts state drivers license alone with a copy of my XXXX XXXX form as requested by Equifax for your review.
Consumer complaint received 2018-06-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I am currently paying almost {$800.00} a month for my loans and after asking around found out that is pretty high. Most people I know with loans aren't paying more than {$300.00} a month. I had no problem paying that amount until I just got a new car with a {$300.00} dollar monthly payment that will make it impossible for me to afford all my expenses. When I called Navient to have it lowered they said my co-signer should help pay for it. I told them he won't and shouldn't and that I tried to get him removed but they gave me very vague reasons why he couldn't be removed. One of the reasons after I asked for more details is because my income is not sufficient enough to afford the monthly payments. So I don't know why they wouldn't mean the payments should be lowered as then I could have the sufficient income. Online I was under the impression I had to fill out the co-signer form AFTER 12 consecutive months of paying and after giving it to them they said I was suppose to fill out the form, that was going to get rejected regardless, THEN wait 12 more months of consecutive payments. Which would not matter after 12 months because I did that already and they still said I have insufficient income. I need help getting this outrageous amount lowered or I will barely get by as my monthly income is good but with all my other expenses I have I will have nothing left over to start saving. Please help!!!!!!!
Consumer complaint received 2018-02-13
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 disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Consumer complaint received 2018-06-11
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: EQUIFAX, INC. (NV)

I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX  has a XXXX number and is easily able to be reached while Equifax is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my transunion file such as XXXX XXXX it goes on my Equifax report. I am noticing this through XXXX XXXX because I dont have access to anything at Equifax. This is MY information. I also filed for bankruptcy XX/XX/XXXX, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/XXXX. I talked to a transunion official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX  balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. Equifax should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (NY)

I have been repeatedly called by this phone number multiple times per day at all sorts of hours. Everytime I pick up no one responds. I Have returned the calls to find dead lines, no one able to assist me and flat out rudeness. I was refused to be given a business name, phone number and address on several occasions. Additionally without veryifying any information to confirm my identity someone just gave me all my personal information over the phone. 

I dont know what this is for and the few things I have placed in collections does not show this company on the chain of title.
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I sent a request for documents to clear up some confusion as to how my FHA loan I signed and have a copy from the purchase of the home one year ago. Is now a conventional loan without my permission or my wife 's permission. Now facing foreclosure with limited resources with out FHA, but how this happened and why we were not told that we got denied.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC (MI)

On XX/XX/2023 I was mailed a collection from Keystone Law LLC in the amount of {$2200.00} ( including interest ). The company is trying to collect a debt on behalf of XXXX XXXX XXXX. Upon contacting the XXXX XXXX, I discovered I have no outstanding balance, no collections, not even a charge in the initial amount before interest of {$1800.00}. XXXX XXXX XXXX said they never reached out to a collection agency and that they dont use Keystone Law LLC as a collection agency either. I have asked KEYSTONE to remove the debt multiple times and they state that they can not, the XXXX XXXX must do so. I have written a letter asking them to validate the debt and provide documents and they have not responded.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Money was being transferred from my account to others financial institutions. 
Dates= XX/XX/2021 - XX/XX/2021 Action= Filed a complaint with my bank and the other institutions involved.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one stated they closed my account on XX/XX/2021 due to a returned payment that was in default from a XX/XX/2021 payment. I called in XX/XX/2021 to try to see what happened to that payment and another payment that I tried to pay the balance in full for XXXX dollars. The representative told me as long as I make some kind of payment then my account would be okay which I did for XXXX dollars. The very next day they closed my account. When I explained their system made an error in trying to pull the money from my old bank account the first time, which was verified then they lied and stated that is was closed due to a second payment that was returned from another bank account. When I asked to verify what bank account number they had so I can make sure it was my error in entering in the information they proceeded to tell me that they could not provide that information nor reach out to my bank to verify any account. Even though I was able to pay the account in full they said they reserve the right to keep my accounts closed even though I have been a loyal customer and have made every attempt to rectify the situation.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}, {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I received a email from experian credit bureau stating that a dispute had been resolved on their end, ( Report # XXXX ), ( Investigation ID is : XXXX ), but once i went to the website, I logged in and I see there is other wrong information listed on my credit report like a " wrong name '' that is listed, as well as wrong telephone number ( XXXX is " not '' my phone number ). So I tried to dispute it, I tried to upload documentation to prove my dispute, but the website would not allow me to complete the upload ( even though it offered me to do so ), it was all removed. I tried several times to no avail. It has listed a " wrong Name '' ( alias ), on the credit report that I have never used in my entire life, so I want it removed. IT is my right under the " FCRA '' to remove wrong information in my credit file.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

I had a trip planned and paid for with XXXX, which due to the COVID19 pandemic had to be cancelled. XXXX was having issues processing refunds ( up to 8 weeks ) so I filed dispute with Citi band as I did not feel I should be on the hook for this dollar amount for that long simply due to a billing issue. Citi reversed all but one charge. Citi has told me they received no push back from XXXX on this charge, that it " aged out '' without me responding. My issue : 1 ) letter was NOT issued on date it was dated and 2 ) I have called multiple times without resolution. Backdating documents is NOT ok, especially when you'll use them to then say an item has " aged out. '' Citi needs to reinstate the reversal.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES (MI)

Zwicker & Associates continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent Zwicker & Associates contact me throughout the day, threatening additional legal action. Unbeknown to me, Zwicker & Associates sent a summons to a Michigan address for which I did not reside. At the time, I was living in California and was not aware of any legal proceeding by Zwicker & Associates. As of XX/XX/2022, I offered to settle with Zwicker & Associates at {$570.00} per month for 12-months. Zwicker & Associates declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by Zwicker & Associates. 1. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to Michigan, while I was living in California. 2. Threatened and suggested my credit would be damaged. 3. Attempted to seize my property, personal bank account, demanding my debit card information. 4. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous Zwicker & Associates personnel. 5. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. 6. Contacted me after requesting them to stop.
Consumer complaint received 2020-07-13
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: Fidelity National Information Services, Inc. (FNIS) (CO)

Ive read the response of my complaint from Chex systems which I have a problem with. A lady called me one night to go over my report and phone numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I called before with another number or something which is totally wrong and it doesnt make sense. She doesnt speak good English to communicate properly and said that she was gon na keep information on my report she doesnt know what she is doing. If my wallet and other identification has been lost/stolen common sense should tell her that someone is using my information! I would like for this lady to call me back and explain clearly whats shes talking about or someone else and said she merged a file and it doesnt belong to me. This is crazy!
Consumer complaint received 2021-11-05
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)

I have reached out to both eqifax and XXXX multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with XXXX and showing XX/XX/2017 with eqifax. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Yesterday I received a notice from Chase ( dated XX/XX/XXXX ) XX/XX/XXXXin regards of the XX/XX/XXXX charge from XXXX XXXX merchant. The dispute arises from the XXXX XXXX was not willing to issue a refund deposit of XXXX XXXX at its XXXX, XXXX location when the card was returned on XX/XX/XXXX. The dispute was initiated the same day and I requested the card to be closed to prevent other unauthorized charges being conducted by the merchant. The merchant attempted to also charge me with alleged damage to the car dispute purchasing a valid XXXX coverage for the duration of the car rental. 
Subsequently the card was closed and all remaining balance paid. Chase also de-listed the card from the electronic menu so getting the letter dated onXX/XX/XXXX comes as great surprise. 
I would like Chase to provide its own internal chronology of events as pertaining to the cards use starting XX/XX/XXXX and all applicable credit card statements showing the transaction sequences including all activities on the card. 

Also please note that all applicable dispute took place in XXXX and not in US $ as referred to me in its communications as all transactions in dispute took place not in US but XXXX. 
I would also like to ask CHASE the following : 1 ) Why the issue is now being resurfaced after Chase own attempt to intervene on behalf of the merchant dispute its own stipulated 45 response time. As response to my message it provided records which had its time marks deleted and the follow up call on its behalf refused to present a coherent time frame in which the matter was being investigated and handled? 
2 ) Why the message is being sent 4.5 months after the initial dispute ( XX/XX/XXXX ) took place and the credit card closed? 
3 ) What does it say for Chase own procedures and processes where it issues its own finding on the issue without any supporting evidence and documentation?
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (PA)

As THE ORIGINAL CREDITOR I have recently reviewed my credit profile and have noticed that there are inaccurate accounts and that are unverfied but being placed on my Consumer account negatively and reporting to the three credit bureaus that this alleged debt is mine. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Santander and the other alleged accounts are from third-party debt collectors which have no rights to my Consumer Information. 

... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

The following entities have been reporting on my account. They have been recently deleted which shows proof they are not mine and indeed was inaccurate and unverfied. 

XXXX XXXX XXXX XXXX. Aud Santander
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXXXXXX XXXX XXXX fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX XXXX. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX bureau.