davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I don't recall having a contractual relationship with JEFFERSON CAPITAL SYSTEM Account Number : XXXX and XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I just noticed from my credit report that an unknown collection agency has reported a utility bill from a company ( XXXX ) which I don't have. I contacted the credit bureau XXXX  which is showing this on their page and disputed It as I don't have a XXXX account, and want this removed from my credit history. They rest of the credit bureaus have already removed this from my account except experian. 

-- - Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2021 Original balance {$360.00} {$360.00} Payment Info Original balance {$360.00} Balance {$360.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 2021
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. ()

I came to XXXX on XXXX XX/XX/2022 for the first time. When i applied for credit card my bank told me that i already have a poor credit history in XXXX. 
Someone's file is mixed with my credit file. 

I have tried complaining multiple times and the issue is still existing. 

Equifax is not giving proper solution to it and because of that i can not build my credit.
Consumer complaint received 2021-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Account number XXXX  Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving
Consumer complaint received 2021-05-06
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: General Motors Financial Company, Inc. (NC)

I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/XXXX and XX/XX/XXXX XXXX collection accounts XXXX for {$3500.00} and XXXX for {$5200.00} respectively were placed on my credit reports by Portfolio Recovery Associates. I had never received any notice in regards to these two accounts and know nothing of their existence until they appeared on my credit reports. I requested numerous time over the past three years for the collections to be investigated with the credit reporting agencies and never got any resolution. On XX/XX/XXXX, I certified mailed this company Debt Validation request letters with return receipts. To my knowledge they received the requests but never bothered to send the return receipts back. I know they received my requests because on XX/XX/XXXX I received responses to my debt validation requests with information from the company showing credit card statements and a letter stating that they will not do an investigation for lack of information. This does not satisfy as being debt validation. To this day Portfolio Recovery Associates has yet to properly validate these two collection accounts. I have uploaded the validation requests that were sent certified mail on XX/XX/XXXX along with correspondences from Portfolio Recover Associates with an Address I have never lived at. For the record I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

I have 30 days late payment on XX/XX/2019 from Macy 's star rewards store card. 
I ask for them to delete this late payment do to covid 19 as reason. I did receive answer from them showing that it was denied. I did try one more time this year and call them to delete this late payment and they told me i tried last year to delete this late payment and they can not help on this.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I have a loan with XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MD)

I intended to pay off my XXXX XXXX XXXX Chase credit card in XX/XX/XXXX and included more than was on my bill to capture any additional interest that may have been applied to the card. I then incorrectly assumed that the card had a zero or positive balance. When i opened the most recent bill from them at the time XXXX XX/XX/XXXX ) wondering if it had the annual fee on it I had a {$13.00} balance that had carried over from when i thought i had it paid off and the yearly fee of {$100.00}. 

I then made a {$200.00} payment and have carried a positive balance up through last week. 

I recently applied for a home loan mortgage and this had hit my credit report as a serious delinquency. I called Chase today to request a goodwill removal of the late fee but they would not discuss it with me stating that they have a strict policy. 

I have had this card with Chase since XXXX of XXXX and have always been in good standing typically carrying a balance of over {$2000.00} and making payments of {$50.00} greater than the minimum payment sent in auto pay from my bank account. 

I feel that it is unfair to even be unwilling to listen to my concerns or take my history with the company into consideration when requesting that a {$13.00} late payment be removed from my credit report.
Consumer complaint received 2021-12-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

I have never taken out a loan for Affirm Inc for {$1100.00}. The XXXX loan accounts numbers are XXXX and XXXX. The two amounts were {$350.00} and {$790.00} for the loan Affirm said that I take out for Home Advisor. I have no relationship with Home Advisor and yet I am made to pay for a loan that I did not make or have no knowledge of. 
I would like for XXXX to remove this loan and late payment on my account since it is hurting my credit score. The dates that my account was open was XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (FL)

Hi, I am very stressed out, I am victim of identity theft and someone used my personal info and as a result today appeared some accounts in my credit report that are not mine ... What should I do? Please help me, I do not know what to do .... I do not know these accounts and they just crashed my credit report. Its a fraud, please remove them because otherwise I will have XXXX XXXX as we just planning with my wife to obtain a loan ... ..
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

XXXX - I called to inform Discover that there are new pending unauthorized charges XXXX - I was denied the right to pay the balance in full, Discover representatives say they can't take a payment due to the fraud activity If I don't pay the balance in full on XXXX XXXX will report my current balance to the reporting agencies and my XXXX will be negatively affected, I do not carry balances past the 30 day cycle periods which, for XXXX, occur the XXXX day of each month.
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2018-02-26
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. (PA)

Experian Report # XXXX Date XX/XX/18 1 of 20 XXXX XXXX has incorrect information as showing when XXXX XXXX XXXX did not report this and Experian has information missing from the original year from the start on this account. 
Experian does not provide the history of to when the account started and years skip on this account. 
Experian has ND for ( No Data ) if Experian was gathering information why is so much missing???? 

XXXX XXXX XXXX never reported this account so how is it Experian has information when they by letter never reported this account and why is it on my credit file and showing the way it is by Experian. 

attach letter showing there was or no Delinquency on this account
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (TN)

I have contacted all three Credit Bureaus/AgencieXXXX XXXX XXXX, Equifax, XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I've contacted XXXX 's on several different occasions attempting to resolve an issue regarding a payment they are reporting as " LATE '' on my credit report! I have also sent certified letters demanding they delete the late payment or provide me with proof/verification that my payment was late in the past. They failed to do so, and they have been very unhelpful in this whole process.
Consumer complaint received 2022-04-27
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NH)

On XXXX XX/XX/XXXX, I called Navient to make a loan payment on a Federal spousal consolidation student loan and I made a formal request ( on a recorded line ) for a copy of my master promissory note. 

The representative put me on hold, messaged her processing team and reported to me it would be sent to me ( via email ) by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX pm EST I called Navient to ask the status of the Master Promissory Note being sent. 

I was told the following : 1 ) it could not be emailed 2 ) there was no request made I told the representative I had a record of the request and that it was offered to me to be emailed OR mailed. 

The representative said she saw no notes at all of a request and said I would need to start the process over. 

I was connected to a supervisory at XXXX XXXX XXXX who told me the following 1 ) there was a note of my request having been made 2 ) the representative on XX/XX/XXXX never submitted the request 3 ) the representative from earlier today on XX/XX/XXXX was wrong and the Master Promissory Note COULD be emailed 4 ) then the supervisor came back on the line to say that the Master Promissory Note could not be found. 

I informed the supervisor I was filing a complaint with the CFPB because it is an abomination that consumers must call Navient REPEATEDLY and waste hours on hold to make these requests and then representatives simply ignore the requests and consumers must start from scratch. 

As of today, XX/XX/XXXX, I am still without my Master Promissory Note
Consumer complaint received 2019-08-18
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: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX  XXXX, XXXX  inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX  XXXX  . My current and only address is XXXX   XXXX  XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (VA)

Made 3 separate purchases in XX/XX/2019, totaling ~ $XXXX.  Never received a statement to my home or email.  I received an alert from XXXX XXXX on XX/XX/19 that my credit score dropped by 124 points.  I went through XXXX   XXXX to determine the potential issue as I was stunned by the news (my credit was great previously and has been).  I found a note that said 60 day collection Best Buy.  I logged into my Best Buy account and was surprised to see charges stemming from XXXX  when late fees of $XXXX/month + interest $XXXX.  I called immediately and told them I was surprised by all of this as I have not received any statements to my email or to my home indicating there was a balance or any late fees.  They told me they emailed me but it could have gone to a junk folder.  This is not acceptable.  The $XXXX is meaningless to me in terms of dollar amount and could have been easily paid.  This is a predatory action that is ridiculous as I cancelled the card while on the phone.
Consumer complaint received 2022-04-07
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I received a check for {$5000.00} and tried to deposit it into my Chase checking account via the Chase Banking app, and it erroneously told me that it was a duplicate check. I have received checks every month for the same amount, but different checks with different numbers! After calling several times, I had been given info that perhaps the system was down, or that I was above the daily limit, which the one person said was changed to {$2000.00}, although I have never been informed of that. In fact, the app says my daily limit is {$5000.00} right when I want to deposit. I finally was told to send it by mail ( from XXXX ) and I sent it by expedited mail, and it still is not credited to my account, almost 2 weeks later. I think they should have a way to tell that the check was not a duplicate, and I would like to know if they are holding on to my check. Thank you!
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX XXXX theft. All is being investigated by the FTC
Consumer complaint received 2018-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CO)

I applied for the payday loan on XX/XX/XXXX for the amount of {$600.00}. The {$600.00} was deposited into my account on XX/XX/XXXX. I have been charged {$180.00} every two weeks beginning XX/XX/XXXX. I called today, XX/XX/XXXX to pay off my loan only to be told that amount owed would be {$720.00}. I explained that I have been paying the {$180.00} every two weeks and I'm paying off this loan two months after receiving it, there should be no way that in order to pay it off I would have to pay {$120.00} over the amount I initially borrowed after paying the {$180.00} since XX/XX/XXXX every two weeks. I explained this is almost illegal and that I would be reporting them. They sent me an email stating that because it is a tribal loan that they have a right and I signed off it.
Consumer complaint received 2021-05-06
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: SCA Collections, Inc. (NC)

I have received a copy of my credit report and it shows company SCA COLLECTIONS XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.