davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ). This letter is being sent to Jefferson Capital Systems in response to a listing on my credit report. The listing states that I opened an account on XX/XX/2019 and have a balance of {$830.00}. 

THIS IS COMPLETELY FALSE. I NEVER OPENED AN ACCOUNT WITH ANYONE IN 2019. I DO NOT OWE THIS DEBT. THIS DEBT IS NOT MINE. THIS DEBT HAS NO RELATION TO ME AND I NEVER TOOK OUT ANY CREDIT IN RELATION TO THIS PURPORTED DEBT. 

There is NO contract or other instrument bearing my signature, and therefore Jefferson Capital Systems is attempting to collect a debt for which they have no account level documentation showing I owe it. Because there is no proof of such, and I do not owe this debt, I demand immediately for Jefferson Capital Systems to correct the erroneous reports of this past debt as mine. I ask Jefferson Capital Systems to provide the following information to me and the CFPB : Please show evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please show evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and ID to assure youre after the correct consumer.

Please provide a complete account history, including any charges added for collection activity.

Jefferson Capital Systems failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of their claims in this matter, and will entitle me to presume that Jefferson Capital Systems placed this on my credit report ( s ) in error and that this matter is permanently closed. There is no proof, because none exists! Correct the record and remove this invalid debt from all sources to which you have reported it. I am under contract to purchase a home and this invalid, incorrect, and erroneous listing is preventing me from moving forward in building my dream home. It is causing me distress both emotionally and physically.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as XXXX XXXX XXXX XXXX XXXX ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed Equifax in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

There is a collection showing on my credit file for an apartment complex that I never lived at, Infact I have NEVER even set foot on the property, never even seen the property. I was coerced into beginning a EDoc and did not even complete the application/lease agreement because I had told them I did not agree nor did i sign and SUBMIT this E-document entirely because i said i wanted to meet to further discuss. When I went back to delete my lease because It did not seem right to me due to the fact that I didnt even see or view the apt complex at all. It stated I was evicted which requires me to be living in the place. I reached out and said I did not agree with their terms and they said it had already been done.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Consumer complaint received 2021-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc. (IN)

I sent Credito Real an Affidavit of Truth signed with notary present XXXX or around XX/XX/XXXX via certified mail and green return receipt They replied with a letter and not another affidavit of truth. They did not rebut any facts. 

On or around XX/XX/2018 I, XXXX XXXX XXXX administrated a consumer transaction with Credit Real USA on the organization behalf using my credit card ( my SSN ). Pursuant to 15 USC 1602 ( l ), the definition of a credit card is any card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

My Social Security Card was the credit card I used to administer this credit transaction in which a finance Charge was imposed on XX/XX/18. 
XXXX XXXX XXXX failed to follow federal Law 15 U.S.C. 1605 regarding a Finance Charge. 15 U.S.C. 1605 states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Credito Real Required me to put a {$4000.00} Cash down which is a violation of this section Also Credit Real USA has been collecting on this account that was Cleary already paid using my credit card ( SSN ) and still tries to collect on this account monthly As the original creditor pursuant to 15 U.S.C. 1602 only I can validate this debt and DO NOT validate this debt.
Consumer complaint received 2020-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I checked my consumer report and I found out that XXXX XXXX XXXX, XXXX, whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer report.
Consumer complaint received 2023-03-23
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}.
Consumer complaint received 2020-12-04
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. (NV)

On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I demand to Delete those account ASAP.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Scammers scammed money for job offerings and house purchases. 

One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. 

Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2019-06-04
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. (NY)

I told experain several time that negitive accounts with XXXXXXXX XXXX are not mine. Experian supposed to block these three accounts from showing on my account due to fraud. I summited police report to them my name is XXXX XXXX my social security number is XXXX
Consumer complaint received 2020-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account right after the text and sure enough, there was an unauthorized money transfer. The person who hacked my account changed my chase credit card which is my preferred method of payment to my XXXX XXXX XXXX card to transfer himself the money. I reported the fraudulent activity & unauthorized transaction to PayPal right away. A case was opened, however, PayPal kept stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two never seen before credit cards XXXX XXXX & XXXX XXXX XXXX were also added to my account, still PayPal refuses to help me with this fraud. I have been a PayPal customer for 15+ years and PayPal has failed to help me with this matter. I filed a complaint with my bank plus processed a stop payment on the money transfer even though the money had already been deducted from my bank account. At this point, PayPal was no longer of help and has declined and closed my case three times and I had exhausted my appeals. Instead of PayPal performing a more deeply investigation they kept saying the transfer appeared to had come from me. I was stressing out all this time so decided to report this with your agency and hope you can step in and get to the bottom of this fraud. PayPal has now locked my PayPal account because a stop payment was issued. I have reported my bad experience to the PayPal Manger email address ; XXXX XXXX XXXX and also to the president and CEO of PayPal XXXX XXXX ; XXXX with NO luck. PayPal refuses to help customers during a serious fraud like this one.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I am XXXX XXXX XXXX XXXX XXXX I have received three credit card statements from a company I do not belong to. The company name is XXXX credit. First one received XXXX XXXX. Next one was XXXX XXXX. Lastly, today 's date in the mail for XXXX XXXX. I feel my voice not being heard and nothing is being done. I called the company, XXXX but they had no passion or concern to help even with proof that it is not me. I need this of my credit report because it is unfair and unjust. The statements I see belong to an account ending with XXXX. I own nothing under this account ending. I complain but still get statements in the mail to this date.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

My complaint involves all 3 credit Bureaus but especially Equifax who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the Equifax Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Consumer complaint received 2023-03-23
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. (VA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

On XXXX XXXX, XXXX I completed a XXXX XXXX XXXX application with TD Bank ( US ) store # XXXX. I subsequently received notification that the loan amount requested was denied and an alternative amount was offered at a much higher interest rate and much less favorable terms. Upon looking into this matter it was revealed that the appraisal on my property was factually incorrect and that contributed to the issue above. Specifically the appraisal did not include an additional bedroom/bathroom in the home and was also understated in terms of livable square footage. Upon my notifying TD Bank they stated that their policy is not to do a reappraisal unless I could prove the house was 10 % larger than what they valued it at. I conveyed to the bank that this was unfair ( if not against fair lending regulations ) and I requested that this matter be escalated to senior management. After weeks and eventually months of back and forth with the bank, including providing photos, copy of building permit application information ( including square square footage calculations ), copy of town final inspection/live able approval, and other requested documentation I was informed that the bank would not correct the appraisal for an accurate valuation of my property. They reverted back to their subjective policy of putting the burden on me the consumer of demonstrating that the original valuation was understated by 10 % or more in terms of square footage which put me in an impossible circumstance since the original appraisal was within 10 % of the square footage but did not include the correct number of bedrooms/bathrooms and was still understated on the square footage - factors which are a core valuation input and which will make a material difference in the qualified loan amount. I was informed of this final decision on XXXX XXXX, XXXX. I have a current XXXX XXXX XXXX with the bank that is XXXX the amount they counter offered I have a perfect payment history and a credit score that is over XXXX per the TD Bank own credit check and records on me.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I wrote a letter to XXXX XXXX Cardholder Services last year confirming I spoke with an actual agent informing me that my account is beyond 7 years old and beyond the Statute of Limitations to collect. This was back in XX/XX/XXXX for an amount of {$230.00} that originated before XXXX! XXXX XXXX  keeps continuing to leave this on my report and previously tried to email me to renew this account that was closed. The credit bureaus have not removed it despite me disputing the age of this account! I asked them to remove it early, when the truth is this account should have been removed a long time ago and they keep renewing and changing their dates!
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

Experian : Has an item from XXXX XXXX listed on my credit report ACCT # XXXX I have asked them several times to send me verification of this item they never do. This is an item dated XXXX/XXXX/XXXX but on another agency the item is dated XXXX/XXXX/XXXX so the dates do not match up that is false information. This item is reported on my credit report once a month an item that was never verified. The item is priced at XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

On XX/XX/2020 i submitted a complaint via CFPB website for failure to validate a debt to National Credit Adjusters and got a quick response via CFPB portal on XX/XX/2020 with a letter following a bill statement .This wasn't what i requested and clearly shows that National Credit Adjusters is committing a FDCPA violation which is failing to validate a debt and continues to report a disputed debt to credit bureaus another FCRA violation.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MA)

I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (CA)

I sent in my police report and my FTC affidavit to the three credit bureaus Experian and XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX. They never noticed me of putting the fraudulent account on my credit after they deleted this fraud two years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already 2 years ago.XXXX XXXX XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on Experian, XXXX and XXXX XXXX this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and XXXX XXXX Identity theft and my consumer rights.