davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, 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 XXXX XXXX owns XXXX XXXX at {$1200.00} and XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, Equifax, 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}. 

Equifax - 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 2018-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc. (MN)

I was in an auto accident that was a workman 's comp matter. There was some medical bills that were missed in the process, by the workman 's comp insurance provider ( XXXX XXXX ), as well as the original provider, didn't submit any outstanding personal medical bill to my insurance carrier ( XXXX XXXX ). The matter should have been resolved in XX/XX/2015. However, I recently, by chance received my first statement ( since I had moved from XXXX XXXX, MN to XXXX, MN ), an invoice stating that I was being sent to collections at American Accounts Advisors. I immediately notified my previous personal injury attorney. He then communicated with American Accounts, XXXX XXXX ( provider ), and XXXX XXXX. In the process of his engagement and attempts to resolve outstanding balances, American Account Advisors placed the account as a negative collection on my credit report- dropping my score more than 30 points. I immediately called American Accounts ( XXXX ), who confirmed my attorney was involved, but that XXXX believes I owe the balance ( since they haven't collected balance dues from insurance carriers ) so it will remain on my credit report ( doing irrevocable damage ). I can dispute on my credit report, but the agency will state as I documented in this writing above. Leaving me with yet another injury ( financial ) to my personal/ family well-being.
Consumer complaint received 2018-02-12
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: CITIBANK, N.A. (CA)

Frauding scams using my documents of XXXX county Indiana of Michigan XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX   XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. 

Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. 

Frauding scams using using XXXX frauding XXXX Anothney Hospital  of of XXXX XXXX Indiana who was the head of XXXX XXXX Hospital as an XXXX XXXX.. 

Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX  school documents of XXXX XXXX XXXX school of  XXXX county Indiana Fraud scams using my grade school documents of XXXX XXXX  School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and Texas XXXX Frauding scams using XXXX XXXX XXXX School as XXXX XXXX   Frauding scams using my documents of XXXX XXXX XXXX as XXXX towns Frauding scams using XXXX XXXX  and XXXX XXXX   Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. 

Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX school using XXXX  Frauding scams using using streets and hwys sinage  Frauding scams using dictionary companies and XXXX XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MD)

ALLY FINANCIAL IS Showing CONSISTENTLY INCORRECT INFO on my credit reports as a REPOSESSION. This vehicle was NEVER repossessed, in fact, I paid the vehicle off in full in XXXX XXXXXXXX. In XXXX or XXXX, despite filing bankruptcy, per my agreement with my Atty. XXXX XXXX of XXXX, MD, my car was NEVER included in the filing. I PAID MY CAR OFF IN FULL AND RECEIVED A LETTER FROM ALLY STATING THIS, THEN I RECEIVED THE RELEASE LETTER FROM THEM. ON MY REPORTS, THIS IS HORRIBLE, INCORRECT INFORMATION. WHEN I CALLED ALLY FINANCIAL TO REPORT THIS ISSUES, YOU ONLY GET OUT-SOURCED REPS FROM DIFFERENT COMPANIES AND YOU CAN NOT GET A UNITED STATES POST-BANKRUPTCY REP OF ALLY REPRESENTATIVE TO CHANGE THIS INCORRECT INFORMATION!!!!!!!!!!!!!!!!!!! THIS IS LOWERING MY SCORE DESPITE MY DUE-DILIGENCE AND MY SUCCESS IN PAYING OFF MY CAR!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-02-11
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: U.S. BANCORP (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XXXX, US Bank, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-08
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: KEYCORP (NJ)

these accounts don't belong to me. Please remove them from all 3 credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXXL XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX, XXXX. 
Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX BANK NA Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Account Number : XXXX This is not mine. 

30. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

31. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

32. Identity Theft XXXX Account Number : XXXX This is not mine. 

33. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

34. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

35. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Rep advise me that i can get a deferral on the acct to COVID 19, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on XXXX this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on XXXX ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

I changed my home insurance company in XX/XX/2017 because they had raised my insurance premium significantly. My old company said they raised everyone 's premiums and it was not my fault ; nevertheless I found the new premium amount outrageous and contacted another insurance company and entered into a contract with them. The old insurance company had already been paid {$2000.00} by my mortgage company so when I switched I had to get the {$2000.00} back from my old insurance company and return it to my mortgage company ( Quicken Loans ). I called the escrow department at Quicken Loans and arranged over the phone to return the {$2000.00} back to them via my checking account information. I clearly told them it should be applied to the escrow account so that I did not encounter an escrow shortage. Nevertheless, the people at Quicken applied it to my loan instead of my escrow. I have called them repeatedly to tell them to apply it to my escrow account -- it was not my money! It was their money! Anyway, they verbally have told me that they have applied it to my escrow account but my online account still -- as of the middle of XX/XX/XXXX! -- states that my escrow account has a shortage. I asked for an off season escrow analysis and they said they would but they have completely ignored my request and have not remedied the situation and corrected my escrow account.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MS)

Payment processors are sneakily trying to remove my ability to purchase XXXX XXXX XXXX content by coercing companies to follow their policies on said content, as can be seen here Effective XX/XX/2024 the website, XXXX, is the most recent victim of the monopoly of payment processors and has disallowed XXXX XXXX  content to be purchased on their website This directly harms the artists financially and also denies them and the consumers their freedom of expression XXXX content is covered under the first amendment and the platforms being affected are digital. There is not much consumer choice among payment processors so it is currently not possible to find a processor which has not been trying to use its size and influence to XXXX  its political views on XXXX content into my ability to make purchases Because the policies of the payment processors are blanket for the platform, it is also not possible to find an alternative payment method, such as cash or crypto currency, to purchase this legal content. If this is allowed to continue, it will not be farfetched for payment processors to restrict the purchase of medication or other legal goods that might go against the ideology of the digital monopoly
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

The first time I learned about this debt was when I received word from my company payroll department that I had a lien filed against me in the amount of XXXX from a judgement filed in the State of California XXXX XXXX in XXXX through Midland Credit Management. The debt was from a card opened fraudulently in my name back in XXXX. It was charged off in XXXX. At that time, I filed a police report with the XXXX XXXX police department which is where I was living at the time. That information was provided to the credit reporting agencies and the credit card company XXXX XXXX where the issue started. I had no idea this was still active in any way, I received no information about this until the lien. I contacted Midland Credit Management and was told the dept was legitimate and if I wanted to dispute it I would have to send a notarized letter stating it was not my debt along with the police report and a new police report if I didn't have the previous one and that it would take a month to process. I contacted XXXX XXXX who informed me they no longer had any information to assist me, that information that old is not held onto. 
Midland Credit Management followed up with a letter threatening that if I disputed this claim, that dispute process would go on my credit reports causing a negative mark on it. The amount they claimed I owed also changed from XXXX to XXXX. They did not send any of the court paperwork, any letters ever stating I owed this debt, nothing other than the letter and a very small unclear print out of what appears to be a credit card statement from XXXX XXXX dated XX/XX/XXXX to XX/XX/XXXX. They refuse to address my requests for information. When this case was filed they ( based on what information I could find ) had my correct address on file yet sent information to an incorrect address where it was apparently signed for. I believe this to be a tactic used to bring to court to get the judgement. I have attempted to contact the court to understand what rights I have to fight this but due to covid restrictions and the court is over 120 miles away from my residence, I have had no success. Midland Credit Management intentionally withheld information, intentionally filed this case over 100 miles away from my residence, is falsely collecting a debt that was closed out in XXXX and gave no information during this injustice and continue to not provide any details to this. They used the courts in California to perpetrate this crime. I want my money back and want to file charges against this company.
Consumer complaint received 2023-03-20
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: SYNCHRONY FINANCIAL (KS)

regarding CFPB Case # XXXX - There is still a discrepancy of owing me {$100.00} from a duplicate charge in error. I was charged {$120.00} 3 times, was credited back {$120.00} two times. I have a printout receipt from the store that I only received goods totaling {$28.00} which means I am still owed {$100.00}
Consumer complaint received 2020-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (OH)

I got a loan for my XXXX procedure. I got the loan in XX/XX/XXXX. They never sent me any paperwork with loan id # or any statements. In XX/XX/XXXX I contacted them concerning the loan. This is when I found out they would not talk to me about the loan nor take payment because I did not have the loan number. I explained that the loan number was never given to me and I am not getting any statements. I asked for a Statement to be emailed to me. They informed me that they will NOT email a copy of a statement. I tried to pay them over the phone, again they said NO they will not accept money over the phone when I do not have the loan number. I will say that last month, when I called, the rules once again were different and they allowed me to make a payment over the phone, which I have proof of via my bank however, I was never sent a receipt for this transaction from Comenity Capitol Bank ( hoping it would contain my loan number! ) Then I find out that the credit given for the loan was XXXX, which was what I knew they were paying the XXXX, it was actually XXXX they paid and now are charging over limit fees as well as late fees. This was not the money requested from them! I'm absolutely stuck and can not get any information about this loan they have given me. They are without a doubt a predatory lending practice. When reading XXXX  complaints this is a repeated issue. How this company is being allowed to do this is beyond me.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had XXXX on my credit report since 2012. Its been closed but some collections company is trying to reopen the account by just changing the date on the report. Ive contacted them telling them they cant do that. and transunion wont take it off because from whAT they see it was opened recently but its almost ten years old. I need this taken off my transunion account its affecting me still and its not fair its not supposed to be on my credit info anymore
Consumer complaint received 2020-07-24
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. (NC)

In XX/XX/2020 I authorized monthly drafts for repayment of my loans. I have been reported to the credit bureau for nonpayment, resulting in a drastic decrease to my score, resulting in my inability to provide housing for myself and my son.