davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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: Exeter Finance, LLC. (TX)

As of XXXX XXXX XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Exeter Finance, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.
Consumer complaint received 2021-06-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Complaint number XXXX. 

Previous request to JP Morgan Chase have been ignored. Initial complaint number XXXX with the CFPB was filed and has not received any response. 
Please request JP MPRGAN CHASE to a resolution. Also please advise if filing a complaint with the Justice Department.
Consumer complaint received 2022-04-30
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: GOLDMAN SACHS BANK USA (TX)

I had a charge on my Apple Card ( issued by Goldman Sachs ) that I did not authorize. Apple Card customer service refused to allow me to dispute the charge and simply transferred me to XXXX customer service. XXXX  Customer SErvice could not even pull up the detail. This is one of many unauthorized charges I have had on my apple card. I am also trying to close my account and they are making it very difficult.
Consumer complaint received 2020-10-18
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. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXX year reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-04-30
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: AMERICAN EXPRESS COMPANY (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX account number XXXX and American Express account number XXXX have violated my rights with the sections listed below.

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 an account without my written instructions.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

SouthWest Credit XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Last Four of SSN : XXXX VIA USPS CERTIFIED MAIL/RRR # [ XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX Original Creditor Account Number : unknown Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$120.00} Dear Southwest Credit : I recently received communication from you date XX/XX/XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. I noticed this morning you have already violated section 1692G and dunning letter laws by listing the account on my credit report ( this is a FDPCA VIOLATION ). Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. Also be advised you to have already violated the law by placing this account on my credit report prior to waiting the requiring 30 days under the FDPCA and dunning letter laws. I will be forwarding this information to CFPB and my state Attorney General. I will also be following up with your compliance officer which I looked up on XXXX XXXX his name is XXXX XXXX and if you do not remove it ; he will be my next level of contact for your blatant violation of the law. Lastly, Ive bought my home in XXXX and Ive had XXXX  for the last 14 years and I am current XXXX  customer right now! Your company has tried to collect on this alleged debt more than once and I continue to tell your company your records are wrong! My consumer rights attorney has advised I send this letter and we are keeping copies of everything ; further, this information will be sent to Alabama XXXX XXXX and the CFPB. 

Sincerely, XXXX XXXX Enclosure cc : Consumer Financial Protection Bureau via fax XXXX
Consumer complaint received 2020-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

To Whom It May Concern, RE : // Union Bank Loan Number XXXX ; HELOC ABUSE ; ELDER ABUSE Union Bank is refusing to allow me to take out money from my {$250000.00} already approved HELOC because they claim I didn't have insurance on my houses when in fact I did with XXXX XXXX XXXX . I provided the proof again despite having it, they had it for the last three years. 

Then, they claimed there was fraud on the account yet, they can't provide any recorded statement or documentations of who reported fraud. 

Worst, they terminated my account by mailing me a letter dated XX/XX/2019, by stating, " the account has been closed and there is no longer an outstanding balance. '' I BELIEVE UNION BANK REPRESENTATIVES ( THEY FIRED ALL THEIR OLD EMPLOYEES, AND HIRED NEW ONES ) ARE COMMITTING FRAUD AGAINST ME BECAUSE OF MY SENIOR CITIZEN   STATUS AND MY XXXX. 

EVEN THE BRANCH MANAGER, XXXX XXXX SAID, " THEY ARE WRONG TO DO THIS. '' HER TEL. ( XXXX ) XXXX. 

CAN YOU HELP ME GET MY ACCOUNT NO. XXXX REINSTATED BECAUSE THEY ARE DISCRIMINATING AGAINST ME AND ARE ROBING ME OF MY {$250000.00}? 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

Account Name : UNITED REVENUE CORP ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Please remove this inquiry since it is over two years old Please remove it from my Credit Report.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 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 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (MN)

I sent Seventh Avenue a Federal Trade Commission Identity theft report in regards to a fraudulent Seventh Avenue Account # : XXXX opened up in my name and the fraudulent account is listed on my XXXX and XXXX credit report. The Seventh Avenue Account is a fraudulent account and isnt my account. I never applied for the Seventh Avenue Account. The account is the result of identity theft.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

i was checking my credit rating about 2 months ago when i see a collection show up for XXXX i tried to contact i could not, i called all the phone numbers related to them, all of them went to a recorder, i left several messages, no return calls,
Consumer complaint received 2018-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC (AZ)

The company has been calling my phone daily for nearly two weeks now. NO PAYMENT IS DUE UNTIL XX/XX/XXXX. Today, they began calling my sister. 

They ( XXXX XXXX ) have no fax number OR email to send a cease and desist. 

I have significant health problems and they are making me much worse.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (FL)

Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my issue
Consumer complaint received 2021-06-09
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. (FL)

Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my issue
Consumer complaint received 2018-02-14
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: I.C. System, Inc. (NY)

My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

on XXXX purchased a vanilla debit visa card for XXXX at XXXX  when i went to use the card i was told the card had been used i called vanilla card they said the card was not actvided whet back to XXXX  they said the card was used at XXXX XXXX in XXXX XXXX on XXXX @ XXXX for {$100.00} also used XXXX @ XXXX for XXXX I called vanilla they were going to look in to it.has been over 62 days my case # XXXX i called yesterday they said they had no case #. i would like your help getting my money back thank you
Consumer complaint received 2020-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

Someone impersonating TD bank guided me through a process that resulted in me having {$1000.00} deducted from my checking account. I immediately contacted TD bank while the transaction was listed as pending and they said they couldn't do anything about it until after it posted. Once it posted, they then told me that I could dispute the transaction. They then denied the dispute. 
If they were going to deny the dispute, why didn't they just tell me this in the first place instead of making me waste an extensive amount of time and energy beyond the {$1000.00} they already gave away.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NH)

In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXXXXXX XXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed XXXX XXXX to help deal with my XXXX about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my XXXX  and XXXX.
Consumer complaint received 2021-06-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY)

FAMS called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
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. (NY)

Ive contacted Trans Union several times to certified mail to verify that the debt stated that they are reporting on my credit report is in fact mine. I have not received any verification or original contract saying that I am the original debtor. Trans Union has refused to send me verification yet they Knowingly continue to report this debt on my account. The alleged debt is not mine.

Trans Union is in violation of laws 15 USC 1692 a 5 1692 C 15 US C 1692c a 15 US C 1692 d 15 US C 1681 a 15 US C 1681 n 605 a Ive called XXXX and was denied form of verification. 
I was told by the supervisor at trans union named XXXX XXXX that the lender did not provide verification, and he still refused to delete.
Consumer complaint received 2022-04-30
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. (MT)

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap