davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

Well i was suppose to recieve a package from XXXX i never recieved such package i at that point file a dispute with my bank i contacted XXXX they told me thst my bank was responsible to refund my money but chime refuse to refund my money i have provided screen snoots ofmy conversation with XXXX and they still fail to acknowledge there is an issue. I have given the multiple opportunities. The amount was XXXX on the XXXX of XX/XX/20XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the equifax data breach.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I sent Equifax a Federal Trade Commission Identity Theft Report with the following fraudulent credit inquiry listed on the identity theft report : XXXX, XX/XX/2021, the following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry and is not my credit inquiry : XXXX, XX/XX/2021
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MI)

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that Jefferson Capitol verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2022-10-29
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: LoanCare, LLC (CA)

LOANCARE : reported late payments. At Covid-19 Pandemic, legally you could go on Forbearance for six ( 6 ) months which should not effect your credit or be considered late. On the credit report it shows XXXX days, XXXX days. Of course, this was agreed upon between Loancare and myself. Although on the XXXX. month XXXX payment was paid. I had called in to see what to do and asked if I wanted to extend the forbearance for another six months which I did not want to. Then, I paid the total of the payments at the end of my term, ( total of {$17000.00} ) so I stay current. Also, somehow XXXX days the payment was sent they had miss placed it in a different department, they found it later were supposed to straighten it but never did. 
XXXX XXXX XXXX. The lates they show is completely wrong. They were on XXXX pay and tried to make sense with them. This was supposed to be straightened up but never did.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " Equifax '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (NC)

The CBE Group , Inc The CBE Group , Inc flagged my credit files with inaccurate/unverified seriously past due/ assigned to attorney, collection agency, or credit grantors internal collection department information. 
Please note this is a collection company not an attorneys office. 
The CBE Group, Incs account was updated XX/XX/2022 Please be advised that The CBE Group , Inc are not Holders in Due Course ; no services or goods were received from The CBE Group, Inc and I have not agreed to pay/tender anything to The CBE Group , Inc on behalf of their alleged client for any reason. The CBE Group , Inc have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them.

Proper documentation from The CBE Group , Inc was NOT provided to me to allow The CBE Group , Inc to verify the accuracy of their data before placing their account with the credit bureaus for collection. This proves that The CBE Group , Inc and XXXX XXXX are not honorable or honest businesses that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to The CBE Group , Inc . 
The CBE Group, Inc does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. The CBE Group, Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety. 

Amount {$250.00}
Consumer complaint received 2022-05-30
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. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is currently reporting on a close to XXXX XXXX XXXX collection account as Open and over 120 days late. I have contacted Equifax, to dispute the account. But they just refresh it the same. I have told them that they are illegally reporting on that collection. 
Over 120 Days Past Due Open XX/XX/XXXX Whose Account Individual Account XX/XX/XXXX Status {$790.00} Type of Account Type of Loan Debt Buyer Account
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I was a victim of the infamous XXXX XXXX where someone posing as a representative of Wells Fargo called me saying my account had been compromised. My caller ID said Wells Fargo, they asked me to do the same things that Wells Fargo regularly does, and in the process they nearly drained my account. I filed multiple claims with Wells Fargo, was denied and told there was no appeals process, even though this protection bureau states clearly that they are liable. Its going on a year now, and all Wells Fargo has done is started adding fees onto various accounts I have with them. I am a XXXX XXXX XXXX and was actually in the room with a XXXX XXXX  with this scammer called me. My life has been stressful enough with all the pandemic brought to my doorstep, and Wells Fargo has been the furthest from helpful in resolving this. With my account then having a negative balance, any money sent to it was swallowed up as repayment. I had my XXXX sellers account still linked, and my XXXX pay as well. I lost a few additional hundred dollars before I unlinked the checking account that Id been using for 12 years.
Consumer complaint received 2022-10-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (NY)

Remex Inc. posted a negative remark on my credit report without notifying me of this debt. No letter or validation of debt was mailed to me. After reading their countless negative reviews, I see they are doing this to many people. People are not being made aware of any debt and find their credit reports have been tarnished by Remex Inc . I do not have a contract with Remex inc . I do not owe Remex Inc any monies. Why would they post a negative remark on my credit without even letting me know there is a debt involved. This was posted on my credit report on XX/XX/2022. This is a violation of the debt fair act. 

I will reach out to the original creditor noted to investigate. This debt collector, Remex Inc. should not be allowed to do this to people. I would like copies of letters sent by Remex Inc. pertaining to this debt. I also want them to validate this debt and remove the negative credit remark on my credit report until this is completed.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.
Consumer complaint received 2022-07-25
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

I called in XX/XX/2021 to pay my student loan off I asked 4 times on a recorded line can you make sure this is the correct amount and the insured me that {$1700.00} was my remaking balance that was old to close the debt. 
2 to 3 months later the added {$45.00} to my bill how and why when I called the company spoke to a supervisor and thats the total I was giving. 
They need to remove the {$45.00} because I paid what balance was giving to me and I need this removed off my credit its there responsibility to let the consumer no the entire amount including all fees
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$1100.00} they have showing on my XXXX, XXXX and XXXX  credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You
Consumer complaint received 2022-10-29
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from equifax, XXXX, and XXXX  that Equifax was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and 3rd party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, equifax, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent Equifax multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via usps certified postal mail on XX/XX/2022. Equifax has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that Equifax no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my Equifax credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand Equifax stop violating the FCRA and the FDCPA.
Consumer complaint received 2022-08-03
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. (PA)

Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
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 2022-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CO)

I have a BestBuys credit card, and my previous credit limit was {$3500.00}. My balance last month was {$1.00}. I have always maintained my account current and made all payments, maintaining a good record with the company. I also have an excellent credit score history with all credit bureaus. I forgot to make the XXXX payment this month and I receive a letter from BestBuy stating that my credit limit had been reduced to 10 % of it was before to {$350.00}. See documentation attached. I am supplying with this complaint the letter I received, and two statements, one shown my credit limit of % 3,500 and the other shown the new credit limit of {$3500.00}. 

Since my credit limit has been reduced, this will impact my debt to credit ratio, which will impact my credit score considerably. I find that the measure taken by BestBuy Credit Services is disproportionate to the debt declared on the card statement, and disproportionally harmful. Also, I am concerned that this company might be treating minority clients unfairly. I have heard in my community about others who have had similar experiences.
Consumer complaint received 2022-08-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

There is a delinquency noted on my credit spoke with XXXX and they notified me it was from a utility 's agency, and I've been delinquent since XXXX. I've not received any correspondence previous to the report on my credit. I also spoke with XXXX XXXX  the utility company that sent me to collections. Per XXXX at the XXXX XXXX an opened an account for utilities in and became delinquent in XXXX. My utilities are set up in California for my home and I do not use the utility company. 

They noted my complaint but also recommended that I file a police report and a report with identitytheft.gov.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I sent XXXX dispute letters for XXXX to remove this XXXX  # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with XXXX which means it was not verified and they need to remove it off my credit file.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.