davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

This letter is to advise that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Practices Act, 15 USC 1692g Sec.809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

A computer printout from your company of the alleged debt does not constitute a copy of such verification and or judgment as required by the Fair Debt Collection Practices Act. You will authenticate the debt by providing me with copies of the original paperwork and or court ordered judgment that is valid. I am also requesting validation in the form of a copy of the original contract baring my signature made by me that states I have contractual obligation to pay you, At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX ) This action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company or the company you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or validated. You are also required by law to provide with a copy of the original signed contract. If your office fail receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately. 

Best Regards,
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My XXXX financial account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

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, in fact exists.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX Balance : {$410.00}
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, Trans Union and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SUBMITTED PREVIOUS DOCUMENTS TO TRANSUNION AND THERE IS SOME INFORMATION THAT IS NOT RELATED TO ME. AS I HAVE NEVER AUTHORIZED IT TO BE ON MY CREDIT REPORT. I HAVE SUBMITTED POLICE COMPLAINTS AND REPORTS OF IDENTITY THEFT. AS I WAS THE VICTIM OF IDENTITY THEFT AND THERE WAS INFORMATION THAT WAS USED TO MISUSE MY CREDIT. I HAVE REQUESTED PREVIOUSLY THAT THERE BE SOME INQUIRIES THAT WERE NOT AUTHORIZED BY ME AND A XXXX ACCOUNT THAT REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED BEFORE TO DISPUTE AND DELETE THE INFORMATION THAT YOU ARE REPORTING IS WRONG. I AM SUBMITTING MY APPLICATION AGAIN TO DELETE THE INQUIRIES AND THE CREDIT REPORT THAT YOU ARE REPORTING IS WRONG AND INACCURATE.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-13
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. (AL)

Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a problem.
Consumer complaint received 2019-08-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Onity Group Inc. (CA)

OCWEN LOAN SERVICING/PHH MORTGAGE IS STATED IN CORRESPONDANCE TO YOU OUR LAST PAYMENT WAS ON XX/XX/XXXX FOR INSUFFICIENT FUNDS. THAT WAS AN INVESTOR PAYMENT AND IT PROVEN ON OUR TRANSACTION HISTORY, OUR LAST PAYMENT WAS ON XX/XX/XXXX WHICH ALSO WAS STATED TO BE TRUE IN CORRESPONDANCE FROM OCWEN LETTER DATED XX/XX/XXXX WITH THIS BEING SAID OCWEN AND PHH MORTGAGE OUR FALSE STAMENTS TO YOU AND OTHER GOVERMENTAL AGENCYS AND WE WANT IT CORRECTED. 
WE WERE INCOMPLIANCE WITH OUR LOAN, VICTIMS OF FALSE CLAIMS ACT.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Numerous attempts have been made to contact XXXX as well as Capital one and after my 3rd attempt I am forced to file a complaint. 

XXXX is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily.

XXXX is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX   and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my Capital One card.

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my XXXX  score is around 600 with inaccurate information.

Your help with this matter is much appreciated.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IL)

n XXXX I purchased a TV through Costco.com in the amount of {$180.00} ( {$160.00} plus taxes ). My credit card was incorrectly charged twice for the purchase of the TV. I disputed the charge and performed a charge back because I was incorrectly billed. On XX/XX/21, I attempted to place an order on Costco.com that Costco cancelled. On XX/XX/21 I called Costco and was told the order was canceled because I placed a charge back request for the TV in XXXX. I explained I was billed twice and did request a charge back. Customer service then stated the charge back was for a rug not the TV. I did place an order for a run in the amount of {$240.00} ( plus taxes ). I explained the rug was {$250.00} and not for the amount of the charge back. Customer service then stated I used a coupon, which I did not. On XX/XX/21 I received a letter in the mail from Costco dated XX/XX/21 stating I requested a charge back for an air purifier and that they were sending me to collections if I did not pay the {$180.00}. The air purifier I purchased from them was ordered on a different date/order and cost {$290.00} ( plus taxes ) not the {$180.00}. Again I did not request a charge back for either a rug nor the air purifier, just the {$180.00} for the duplicate billing of the TV I purchased. Costco 's explanation is ridiculous because both items they claim I requested a charge back for were both over the {$200.00} ( {$240.00} and {$290.00} ) which is obviously more than the {$180.00}. There is no way that I will pay for the TV twice and I shouldn't be sent to clooections for Costco 's mistake.

In addition, I received no correspondence from Costco regarding the charge back until I attempted to place another online order.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX, a CHASE BANK on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at CHASE bank records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Consumer complaint received 2023-02-14
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. (LA)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was chatting with a rep online with NMAC by the name of XXXX. I was simply trying to check the status of insurance check she tells can not locate an account with vin number or Social Security number this is senseless if the rep can not do her job locating information. I try calling but phone lines are down. I dont understand how she can not locate an account with my ssn or vin number that is on my contract.
Consumer complaint received 2018-02-20
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. (IL)

I have reached out and filed disputes with Transunion, XXXX and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XX/XX/XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XX/XX/XXXX.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

I completed the online account application process with cit.com on XXXX XX/XX/2023. The application process failed, without providing a reason. I telephoned CIT Bank Customer Service and was told my application had been rejected, but they were unable to provide a reason. I was told someone else would phone me within 3 business days to explain the rejection. 

On XXXX XX/XX/2023 I still had not heard from CIT Bank so again phoned Customer Service. They again had no explanation for the rejection. They suggested I submit another application.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (GA)

I have submitted FTC 's 5 times at this point. I get mail stating the inquires will be removed and they haven't been. I call in and they tell me to submit it again. This is out of control and they need to do as they said. This seems to be illegal and XXXX going to consult a lawyer.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

CHIME BANK SENT ME AN EMAIL ON XXXX XXXX STATING THAT THEY WERE CLOSING MY ACCOUNT ON XXXX NO EXPLANATION- THEY STATED I SHOULD GET ALL OF MY MONEY OUT OF THE BANK BY XXXX OR I WOULDNT GET MY MONEY UNTIL 30 DAYS AFTER WHEN THIS WAS SENT I WAS ON VACATION- SO SINCE I HAD MONEY IN BOTH ONLINE ACCOUNTS CHECKING AND SAVINGS- I COULD WITHDRAW MONEY FROM CHECKING- BUT SAVINGS I COULD ONLY WITHDRAW XXXX A DAY- OF COURSE I HAD MORE THAN XXXX IN MY SAVINGS- SO MY NEXT DAYS ON VACATION WERE INTERRUPTED BY GOING TO AN ATM EVERYDAY TO WITHDRAW FUNDS TO DEPOSIT INTO ANOTHER BANK. 
I ALSO HAD A DIRECT DEPOSIT SET UP WITH THIS BANK WHICH WAS TO COME IN ON XXXX THIS IS A MONTHLY CHECK- THAT I DEPEND ON SINCE I AM XXXX I TRIED TO CHANGE MY DIRECT DEPOSIT SET UP QUICKLY BUT WITH LITTLE OR NO WARNING FROM CHIME BANK- I KNEW IT WAS GOING TO BE A PROBLEM I FOUND THAT THE DEPOSIT DID TRY AND GO INTO THIS CLOSED ACCOUNT ON XXXX AND CHIME SENT ME AN EMAIL STATING THEY RETURNED IT TO MY COMPANY ON XXXX NOW THE COMPANY I CALLED THEM AND THEY SAY MY DEPOSIT IS FLOATING AROUND SOMEWHERE- BUT THAT THE DIRECT DEPOSIT TO ANOTHER BANK WOULD BE AVAILALBE NEXT MONTH XXXX 
NOW I DONT HAVE MY DIRECT DEPOSIT STILL AS OF TODAY- AND MANY BILLS THAT I PAY ARE NOT BEING PAID AND I HAVE GOTTEN NOTICES FROM ALL OF MY CREDITORS LOOKING FOR PAYMENT. 
I CANT PAY BECAUSE I DONT HAVE ANY MONEY- THANKS TO CHIME BANK. I HAD BEEN BANKING WITH THEM FOR OVER 3 YEARS- THERE IS NO WAY TO REACH A LIVE PERSON ONCE THEY CLOSE YOUR ACCOUNT- THEY EMAIL YOU AND TELL YOU TO TAKE A PICTURE OF YOURSELF HOLDING YOUR DRIVERS LICENSE AND THEN TAKE A PICTURE OF A UTILITY BILL WITH YOUR NAME AND ADDRESS AND ONE OTHER FORM OF IDENTIFICATION- I DID ALL OF THIS AND THEY STILL HAVE NOT CONTACTED ME. 
I WANT THEM HELD RESPONSIBLE FOR THEIR UNPROFESSIONAL ACTIONS AND MY DAMAGES ARE WORTH OVER XXXX I AM BEING HARMED GREATLY- NO BANK THAT I HAVE EVER BANKED AT WOULD JUST CLOSE A PERSONS ACCOUNT FOR NO REASON AND THEN NOT GIVING THEM AMPLE WARNING- 4 DAYS THAT WAS IT- IM LUCKY I READ MY EMAILS- BECAUSE THAT IS THE ONLY WAY I FOUND THIS OUT.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( XXXX, XXXX, Equifax ). I requested written confirmation of the removal, and It seems only Equifax has responded with this information as being " Updated '' and the other two have yet to respond. 

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on XXXX website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.