davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (PA)

COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear XXXX  FTC Report Number : XXXX  Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX - Account Number # XXXX I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (FL)

i have a number of inquries on my credit report that i did not authorize at all, i have not been in need of a car, nor credit card nor anything else for that matter im not sure how these things keep poppong up but it is really bad, i have never had XXXX and it shows on my credit report i really need help
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CT)

JEFFERSON CAPITAL SYSTEM with XXXX XXXX XXXXXXXX. JEFFERSON CAPITAL SYSTEM fraudulent optiain my information is their system and reporting fraudulent/ inaccurate information to the credit bureau which is causing me severe harm, 15 U.S. Code 1681q - Obtaining information under false pretenses. I never give JEFFERSON CAPITAL SYSTEM any permissible purpose to obtain my information without Consent. They obtain my information without my consent which is IDENTITY THEFT.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have tried unsuccessfully to contact Citizen 's Bank regarding my checking account # XXXX and do not have the ability to see on my end what is going on with my account i.e. how much money is in the account as I am waiting for credits for the multitude of continued fraudulent use of same. On XXXX XXXX, XXXX, I got a copy of my XXXX 's statement and the bank too out {$75.00} from my Pension for overdraft fees when I have not used nor had a card to use as it was closed by Citizen 's Bank because ( I was told ) I filed a Complaint of fraudulent!!! My XXXX is in the amount of {$2000.00} and I withdrew it 's entirety except leaving the change so as to enable the Bank to give me the credits they owe me!!! I only received {$1900.00} leaving the {$0.00} to keep the account open as aforementioned!!! Also money was stolen in XXXX - once on the XXXX Wednesday of the month in excess of {$400.00} and on last day of the month in excess of {$250.00} stolen from my account also stating for overdraft fees when, in fact, the Bank owes me money for cyber theft or some fraudulent amounts stolen as has been since I noticed on XXXX XXXX, XXXX.
Consumer complaint received 2017-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CASHCALL, INC. (NE)

I started receiving emails from this company in XXXX telling me I owed money on a payday loan. I requested that they send me proof of this loan and the paperwork that they sent me does n't have my name spelled right or a signature on it. I do n't recall applying for a loan with this company or receiving any funds and am wondering why it took about 4 years before they tried to get a hold of me. I did pay a company back in XXXX for a payday loan, but it had a copy of a signed form so I assumed it was legal -- but now I 'm wondering. They 've not given me any payment information. They say they will do that after I say that I will make a payment of {$300.00}. I ca n't keep paying these jerks for things that are n't mine and again why wait so long to get in touch with me.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (CA)

Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened an account in XXXX Citibank branch at XXXX. The branch teller XXXX told me if I opened account I can get XXXX cash bonus when I keep XXXX in 60 days. So I opened accounts and finished their requirement. I also received Citibank email to confirm my account will receive the bonus in 30 days at XXXX. Between 30 days I contacted their customer service to double confirm I will get pay soon. I wait for the last day to get nothing still. I called them again, but they changed story now. They said I already got pay for a XXXX thank you points. So they denied my XXXX bonus. What? I never received any thank you points. And I didnt even enroll XXXX thank you points offer. So I went to the XXXX branch where my account opened. Another teller told me XXXX not work here anymore. He didnt know what happened. So I felt I was been treated like football. They kicked me each other. I think they offer me this promotion to me, they should honor it.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MD)

Obtained refi from PHH mortgage on a mortgage PHH already owned and serviced for a rental property I won. Despite already servicing it, and knowing it was a rental, PHH sent first payment coupons to the rental address ( they had and knew my actual mailing address ) and then only 6 weeks later forwarded the coupons and claimed " my address had changed ''. See attached. my address has not changed. Not sure if this is part of scheme to defraud customers by having them make late payments but it is gross negligence and incompetence.
Consumer complaint received 2015-10-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I paid off a XXXX XXXX Bank credit card XX/XX/XXXX. There was several late payments, but the card was paid in full. I have Bank Statements showing this. XX/XX/XXXX, Portfolio Recovery Associates filed a lawsuit stating I owed them money. We went to court, but before we went in, I showed them the paperwork and they asked the case be dismissed. Now, they have filed suit against me for the same amount. While going through their paperwork, I realized they do n't even own my account. We are going to Trial this next Thursday and I have asked for a Court Reporter to be present so I can have documentation of what they say during the trial. I have now missed multiple days of work, I 've had to pay for official bank records, and I 'm very stressed about something I should not have to be going through. It must be illegal for them to do this, especially when they already have all the documentation that this debt is paid.
Consumer complaint received 2020-11-25
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: Santander Consumer USA Holdings Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XX/XX/XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-09-08
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: Monterey Financial Services LLC (OH)

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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Innovate Managed Holdings, LLC (AZ)

I refinanced my auto loan through Innovate Loan Servicing. Whenever I have a problem with my loan I can not contact them directly by phone, e-mail, or chat ; XXXX XXXX XXXX XXXX, the broker that put me into this loan, has to act as an intermediary between myself and XXXX.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from XXXX global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through XXXX global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to XXXX XXXX. 

I still receive letters from XXXX XXXX even though there is no debt on my account. XXXX sent an email to XXXX global to have it removed and I am still receiving letters from XXXX global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to XXXX. 

This is complete fraud that I should pay both XXXX XXXX the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.
Consumer complaint received 2018-02-01
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. (PA)

COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear XXXX  FTC Report Number : XXXX Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX  - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX - Account Number # XXXX  I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX   Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2018-03-25
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. (CA)

The Equifax investigation did not remove inaccurate information. The investigation was not resolved within 30 days. The request to this particular debt has continued for years. Equifax refused to properly investigate. After my recent dispute, I believe that I have now become a target of discrimination by Equifax. After my recent dispute, Equifax added 13 alerts to my account. Equifax falsely initiated disputes without my permission. Equifax sent ( 4 ) disputes to the Federal Government that issued several students loans that are currently in good standing. Equifax falsely, stated to the loan servicing company, that I was disputing the debt. This is negligent, and fraudulent. It is my belief that these actions were retaliation for current calls, and complaints with CFPB. Equifax submitted false disputes to XXXX XXXX, A decades old account with XXXX, XXXX XXXX, a second dispute to XXXX XXXXXXXX, and XXXX XXXX. The disputes were discovered by me on XX/XX/2018 via the Equifax web account purchased to protect my credit file. Instead, Equifax has contributed to false reporting. The XXXX account remained on my account for years despite my continued efforts for removal. The product purchased by Equifax was advertised as a free product that has continued to be made available to victims of their breach. They have affected my score more negatively than the initial fraud. It is what I call adding salt to a wound.
Consumer complaint received 2017-12-26
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. (LA)

i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Montgomery & Meyers P.A. Corporation (RI)

Company called me on XX/XX/XXXXsaying I owed them approximately {$220.00} for medical debt from XX/XX/XXXX. I requested that they mail me a letter explaining the debt and contact information for the party claiming I owed money. The agent, XXXX XXXX refused to send a letter saying that " this is a courtesy call prior to us initiating legal action, you already know about this debt ''. I stated that unless they wished to send a letter validating the debt, to not contact me again. This action is a violation of the FCRA and federal and state collection laws. I received another call on XX/XX/XXXX but nobody spoke for 10 seconds and then hung up. I have made two attempts to call back to resolve the issue but nobody answers the phone. I attempted to resolve on XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2016-02-04
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC. (NY)

Several debt collectors have repeatedly called me, my family, and friends in several states with calls at all hours. They are referencing payday loans from XXXX and XXXX. When I moved to XXXX for a new job, I did take out several payday loans for {$250.00} to {$500.00}, but those were settled between XXXX and XXXX. The collection calls started in approximately XXXX of XXXX. The have repeated called relatives, me, and disturbed a very ill friend in XXXX XXXX, XXXX at all hours which has been upsetting to all of us. 
The most frustrating fact is that none of the firms will share any information about the debt - when it originated, when I supposedly missed the payments, and what I owe now. 
XXXX firm asked for {$400.00} as a " restitution payment '' to settle XXXX debts and another asked for {$1500.00}. Again, no details are given. 
The loans were taken out online - and I 've never been contacted by email regarding a delinquency. 
The firms that have incessantly called me, my family, and friends across the US are : XXXX, Premier Recovery Group, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The allegations are : " Theft by Deception '' and " Malicious efforts to defraud a financial institution. '' What 's ironic is that I work for a major XXXX and the staff here are advising me that this could be fraud, since no details are provided.