davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (SC)

Several fraudulent charges made from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$61.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$79.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX {$1.00} XXXX {$130.00} XXXX XXXX {$120.00} XXXX XXXX {$120.00}
Consumer complaint received 2021-07-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-10-19
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: SYNCHRONY FINANCIAL (NV)

SYNBC/JCP Opened in XXXX, sold to another company XXXX. 

I have disputed this directly with SYNBC/JCP as it is beyond the legal time frame and also they have never provided me proof that the debt was actually even mine. According to section 609 of  the FCRA and backed by the the credit bureaus are required to send copy 's of the original documents, which I've never received. The information they are reporting is outdated and can not and has not been verified. 
I have since been in process of buying a home and thought easiest was to get it removed was to just pay it off. I paid it to XXXX XX/XX/XXXX and got it deleted directly with XXXX  XX/XX/XXXX, but I am still having an issue getting the original creditor to delete it from all 3 CBR. I am not reaching out to CFPB for any help possible in this matter. PLEASE HELP ME.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TN)

Hi, I am responding to the letter from Franklin American Mortgage Company C/O Central Loan Administration ( FAMC C/O CENLAR ) drafted on XX/XX/XXXX ; postmarked XX/XX/XXXX ; and received on XX/XX/XXXX and the letter from Insurance Processing Center ( IPC ) drafted on XX/XX/XXXX, postmarked XX/XX/XXXX, and received on XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. However, FAMC has delayed reviewing this information. Initially, my insurer used the incorrect dates for insurance policy for my property. I requested the dates on the coverage be corrected on XX/XX/XXXX, prior to closing on the condominium ( condo ) on XX/XX/XXXX. The corrections were not completed. I followed up on my request for correction on XX/XX/XXXX. The corrections were not completed. I followed up a third time on XX/XX/XXXX, and finally saw some movement to make the corrections with an initial policy starting XX/XX/XXXX, to XX/XX/XXXX, and the current policy from XX/XX/XXXX, to XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. FAMC C/O CENLAR & IPC did not review documentation prior to sending threats to charge me for insurance that " may be signficantly more expensive. '' On XX/XX/XXXX, I filed complaint XXXX with the CFPB due to IPC threatening to charge me for insurance that was already obtained. IPC did not make any effort to review documentation of the insurance on file before sending a threatening letter. Unfortunately, the prior complaint did not correct IPC 's practices as the XX/XX/XXXX, letter claims they " plan to buy insurance for [ my ] property '' without any reference to the insurance coverage on file with FAMC.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (WA)

I am a conscientious borrower and historically have kept my student loans payments up to date. To make this easier, I changed from individual internet payments to using the bill pay service from my bank. When I made internet payments to ACS, they would divide the payment between my XXXX accounts there. When I changed to my bill pay service, they began to apply the payments exclusively to XXXX account. Consequently, XXXX account is now paid up through spring next year. But the XXXX account is listed as overdue. They reported me to the credit agencies because of the overdue account. I have called multiple times explaining the circumstance, and asked them to apply the amount necessary from the over-paid account to the past due account to bring it current. I now make to separate payments each month to keep the overdue balance from getting larger. But despite my efforts and multiples calls, they still have not transferred funds from the over-paid account to the overdue account. They have reported me to the credit agencies, which has had an impact on my credit rating. And they keep calling me and hounding me at work. I see no reason why a consumer who has over-paid ACS should be subject to the embarrassment of being called by creditors at work ; a decrement in my credit score ; and the frustration of explaining the circumstance over and over only to have ACS fail to address the circumstance. Please help.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, Transunion, and XXXX XXXX to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Consumer complaint received 2022-05-01
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)

Please stop this company from harass my for a debt I do not owe this company said I owe a debt when I was XXXX from XXXX of XXXX to XX/XX/XXXX I am a victim of identity theft when I accrued I inserted and extending fraud alert to contact my before and new accounts was opened in my name and this company file to do so. I understand that mistakes happen all the time that's why I asked for a investigation the company then reinserted the account on my credit report so now I'm making a compliant because I need help resolving this issue with this company. Thanks
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MI)

I am trying to purchase a home and had to apply for a home mortgage. I was turned down by the lending company I applied to because someone used my identity to fraudulently open a XXXX XXXX account which is now with the collection agency LJ Ross. I am unable to purchase my home until this fraudulent account is removed from my credit report. I filed an Identity Theft Report with the FTC which is signed and attached to this complaint along with validation of my identity.
Consumer complaint received 2018-02-16
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. (MD)

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX  , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (IL)

On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the XXXX days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-10-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-11-30
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. (GA)

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is allowing a company to falsely report a hospital debt to my credit. I contacted the company the dispute the report. Not only did the representative try to collect my information so that she can put it in their system she got upset when I called the hospital while I was on the phone with her. she stated that shes going to mark it as disputed but its not going off of my report. She tried to talk to me as if its my debt, when I told her I dont think it is and verified that it wasnt when I called the hospital. I explained to Equifax that this collection company did not have my name or social when I called them to look up this debt. I gave them this info when I called and they couldnt pull it up. Yet Equifax marked my investigation for these collections accounts as verified. The hospital does not even have my name or social in their billing department either. So, equifax is allowing this company to report information on my credit report without full proof because this company is paying them to report. It is not fair to the consumer and should not be tolerated. I want this account removed from my report. It is not mine, and the company doesnt even have the matching information to report it. It is absurd. 

Nothing works in the consumers favor in these systems. It is really sad. We are just stuck, and left to keep disputing things that destroy our credit. It is not right.
Consumer complaint received 2021-07-04
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 (NY)

I am a victim of identity theft of the XXXX  hack in XXXX. Portfolio Recovery Associates has listed a collections on my credit file as of XX/XX/XXXX. I noticed this collections on my credit file as of XX/XX/XXXX. I am a victim of identity theft and I have involved law enforcement officials to assist with this matter. I have attempted to contact the company for assistance. I have never had an account with XXXX XXXX  XXXX  nor have I had one in the past. In addition I have asked for a debt validation with bearing my signature that this is my debt. I have not received one as of yet.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : Khols/Capone . 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.
Consumer complaint received 2022-05-01
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 Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX -US Dept of EDU #... XXXX -US Dept of EDU # XXXX -Dept of EDU/XXXX # XXXX XXXX -Dept of EDU/XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -US Dept of EDU # ... XXXX -Dept of EDU/XXXX # ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX XXXX ... XXXX -Dept of EDU/XXXX # ... XXXX -Dept of EDUXXXX XXXX  XXXX XXXX -Dept of EDU/XXXX # XXXX XXXX XXXX XXXX # ... XXXX 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 In addition, I have usage of less than 30 % of the following accounts total credit and Experian is not reporting on some of my credit card accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is the amount required to keep my credit in good standing and raise my credit, and yet, these reporting companies keep deducting from my credit points unwarranted. I spoke with XXXX XXXXXXXX XXXX for example, and they inquired for a while in their system of why this was happening with the credit reporting agencies and they advised to reach out to them, because on their end it shows that I am correct about this account. Same with the other credit cards I use. 

Moreover, I have never been known as XXXX XXXX and I don't have a middle Initial. That is incorrect.
Consumer complaint received 2021-10-25
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. (GA)

I have sent a dispute, police report, identity theft affidavit and ftc report to Equifax and it has been 30 days with no response from them. They will no remove fraudulent information.
Consumer complaint received 2021-06-06
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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (LA)

I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX  and XXXX  continue to report the unverified debt.
Consumer complaint received 2018-02-16
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. (TX)

Submitted dispute on XX/XX/XXXX in regards to inquiries on credit that I did not authorize and received a notice XX/XX/XXXX that some were deleted but they are still showing as inquiries on credit report.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NY)

Trident Asset Management LLC Several Letters were sent to Trident and letters to XXXX  for a validation of debt for a XXXX bill. I called XXXX and they had no info on this account, I asked Trident for verification and they sent me a itemized bill with the wrong name. After I told them I want the original contract with my signature, I never heard from them. 
Certified letters were sent to Trident on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also directly to the physical address c/o XXXX XXXX ( CEO ) and XXXX XXXX XXXX, compliance Manager, which came back return to sender ), and a final letter sent on XX/XX/XXXX. Im really upset that they had the audacity to send me a settlement letter from the XXXX. XXXX XXXX address and it was dated XX/XX/XXXX.
Consumer complaint received 2022-02-02
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Receivables Fund Incorporated (WI)

This company i haven't heard of was trying to figure out how i owe this company, and why it's on my credit report.Also, the amount is {$520.00} of the date of XXXX XXXX
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.