davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Machol & Johannes, LLC (CO)

I owned to XXXX XXXX {$2200.00}. I am paying each month for {$100.00} to be free from my debt. All my payments I 'm sending to XXXX XXXX. Last payment I did at the end of XX/XX/2016. Back in XXXX I was short with a money and I missed my payment just 10 days. Then I applied for fast cash loan in order to pay my bills, and get it on XX/XX/2016 on my bank 's account. XXXX days earlier at my work place show up the men from Machol & Johannies LLC office, showing the court paper and my debt amount in front of all people. He told that I 'm not paying any money regarding my debt. I was confused. It seems that I live at my work place and do n't have a house where I could private to solve this problem, but not in public. 
A few days later, my bank 's account was garnished by Machol & Johannes LLC office. They took all my loan in amount of {$300.00} as legal processing fee, leaving my account with {$0.00} balance. .please, help again. i agree to pay each month, until I 'll be debt free, but this practice is not acceptable by me and at the same by Colorado state law. There is a percentage that you can be removed from the account when the client does not pay at all, but not 100 %. Thanks in advance
Consumer complaint received 2021-09-24
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. (FL)

I am a victim of identity theft. Please sse identity theft report attached. I have consistently, since the beginning of the year, disputed fraudeulent accounts of various amounts and duplicates upon duplicates, that are the results of identity theft on f the selling and reselling the fraudulent accounts on my credit profiles on all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles, anyway.
Consumer complaint received 2022-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I'm reaching out to you because, I been disputing a loan that appeared on my Consumer Credit Reports reported by Navient. These loan was taken on the year XXXX, while I lived in CT. The loan was taken with a private lender and was transferred to Navient back at year XXXX. Navient have been reported incorrect, incomplete amount incomplete account number, incorrect date of first delinquency, and incorrect the FCRA compliance date. 

Time and time again I have requested for Navient to provide a copy of original application as to when the loan was taken and as today I have not received anything. 

I recently spoke with Navient and requested for information mentioned above they direct me to their website and require me to open an account only to direct to enter more information and no where in the site where I can request for the original application to verify the loans taken.. 
********************************** Below is similar sent to Credit Bureau requesting copy of original documentation from Navient. 


XX/XX/XXXX Re : 2nd Letter ********************************* Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am inquiring about Navient and Account Number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me a report with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 
Sincerely, XXXX XXXX XXXX Enclosures : is a copy of my SSI and Driver License.
Consumer complaint received 2022-09-08
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)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PACIFIC WESTERN BANK (IN)

XXXX XXXX XXXX XXXX has a business checking account with Pacific Western ( 'PacWest '' ). On XX/XX/2022, PacWest was notified that check # XXXX, dated XX/XX/2022, amount {$470.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX has been fraudulently cashed by PacWest. PacWest had issued {$7500.00} payable to XXXX XXXX. XXXX XXXX, management agent for XXXX, utilizes a number financial institutions and PacWest is the only bank where we have experienced multiple cases of fraud bringing into question the effectiveness of their monitoring procedures. XXXX XXXX ( XXXX ) XXXX of PacWest has stated in several emails that it general y takes 90 to 180 days to get restitution. That time has passed. XXXX XXXX ( XXXX ) was also contacted with no response. Several attempts have been made to get reimbursed with no success. At PacWest 's request, we enrolled in " Positive Pay '' a program provided by PacWest to reduce fraud. Although it is somewhat cumbersome, we do it as part of our fiduciary responsibility to combat fraud.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I contacted Equifax in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Equifax. I sent another letter to Equifax making them aware of this & they still continue to report false unverified information on my credit report.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (MO)

THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (NE)

My original complaint was filed with Consumer Financial Protection Bureau complaint on XX/XX/XXXX. I contacted their office Incomm Financial on XX/XX/XXXX, disputing an unauthorized charge made to her card. I returned the completed dispute packet to their office by XX/XX/XXXX. The company claim that the complaint has been finalized in my favor as they sent a replacement card for the amount of {$100.00} is being issued to my address that arrived via XXXX XXXXXXXX. I received the replacement card on XX/XX/XXXX. I attempted to activate the replacement card using the information that they provided with the card. I am not able to activate this card, add a personal pin ID number to this card or check for any existing balance on the card as each time I try to do any of the above, I am told that the information provided on the card is invalid. I have tried to activate the card online and also by phone. I am starting to think that this company may be fraudulent. I am not satisfied with their response and feel that the complaint filed on XX/XX/XXXX has not been resolved as they have not provided a replacement. Please, consider further action. 
Thank you kindly, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (AL)

Amerifinancial solutions is reporting accounts on my  XXXX  report. The address   XXXX   is listing for,  XXXX  to contact them is not A GOOD ADDRESS. I sent company a validation letter and received envelope back stating no account. How am I able to get this date validated if I ca n't reach them?
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Original Creditor XXXX 
Open Date XXXX XXXX, XXXX Balance {$450.00} Collection Debt {$450.00} Original Creditor XXXX XXXX Open Date XXXX XXXX, XXXX Balance {$840.00} Collection Debt {$840.00} XXXX Open Date XXXX XXXX, XXXX Balance - XXXX Collection Debt XXXX XXXX XXXX XXXX Account Type Installment Balance - Original Balance {$3100.00} Payment Status Negative I have no acknowledgement of these accounts and would like them removed from my credit report. I have disputed them with the Federal Trade Commission and they have not satisfied me with their response on these accounts. I am filing a complaint to get these accounts that I have no knowledge of opening them removed from all XXXX credit bureau. Thanks if you can help me.
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Source Receivables Management LLC (VA)

XXXX used to call me about phone service I 've never had. I have been with XXXX since XXXX and still am. The account on my credit report says that the XXXX account was opened XXXX XXXX which is n't true because I 've always been with XXXX
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

We keep receiving various delinquent notices from the mortgage loan services Seterus Inc. with threats of foreclosure. On XXXX XXXX, 2015 we sent them a letter with proof of payment for the dates they claimed non payment was made. We make the payments via cashiers/official check so there would be no risk of the check " bouncing '' and payments are mailed via certified mail. We did n't hear back from them but we kept getting late notices and late fees added to our account. On XXXX XXXX, 2015, we sent an inquiry letter asking for status of our XX/XX/XXXX correspondence. Again, we received the standard letter that they are researching our issue. 

Now it 's XX/XX/XXXX, almost six months later and no resolution except for the continuation of the harrasing letters and late fees added to our account. Now they claim we owe for the months after we sent our XX/XX/XXXX letter. This is the second time in less than two years that this firm has put us through this headache. We have provided evidence of payment and they fail to recognize and/or properly apply our payments to our account.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IA)

I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XXXX and paid in XXXX. It 's being reported on my XXXX and Equifax report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Equifax is currently reporting a student loan from XXXX that was PAID AND CLOSED as Current Status : 120+ DAYS PAST DUE this is NOT the current status - the current status is paid & closed. This is very damaging to my credit. I applied for a loan and was denied by the lender and they informed me that XXXX was reporting as currently 120 days past due when it is closed and paid.
Consumer complaint received 2016-11-05
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Harassment phone calls from Capital one Bank on XX/XX/2016 XXXX and XX/XX/2016 XXXX form number XXXX, XXXX. This bank already closed all my accounts without my consent since XX/XX/2016. Currently I have NO any banking relationship with this bank. Therefore I can not accept any harassment phone calls from this bank as the complaint filed before. By filing this complaint, I continue collect the debt from this bank who owed me the following debt : Customer never received {$9.00}. Customer also ask {$80000.00} plus 20 % interest, {$100.00} late fee each month for 36 months, {$150.00} travel expense, {$4800.00} personal time to collect funds, XXXX XXXX. 
Theft XXXX should go to jail 20 years for stealing funds, stealing bank statement, close account, change address etc. without account holder 's consent. 
Capital One also owe me {$35.00} cash bonus plus some other promotional bonus {$1400.00}.
Consumer complaint received 2022-09-08
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Consumer complaint received 2022-09-08
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be REMOVED and BLOCKED. 


XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2022-09-08
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. (CA)

I Went to a car dealership and I was already pre approved through my bank for a car loan that I actually didn't end up purchasing because of other various reasons.But to make it short I was already pre approved for a cal loan so there was no need to run my credit, because the bank already had a letter in the amount of what I was approved for but they insisted they could get me a better rate in which i was already happy with the rate that my bank had given me. So I would appreciate if these hard inquires can get taking of my credit report because it is inaccurate and if you look at my credit history I am usually good when it comes to paying on time and being in good standing with my credit card companies.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

XXXX XXXX RANDOMLY SENT A BILL TO COLLECTIONS IN XXXX CLAIMING IT WAS MINE. I NEVER HEARD FROM THIS COMPANY EVER PRIOR TO THIS. I CALLED XXXXXXXX XXXX AND THEY CONFIRMED THEY NEVER SENT ME ANY COMMUNICATION PRIOR TO THIS. THEY ARE CLAIMING THIS DEBT IS FROM XXXX IN WHICH I HAVE NO KNOWLEDGE OF THIS DEBT OR ANY ATTEMPTS TO COLLECT. THIS COMPANY FAILED TO PROVIDE PROPER NOTICE OF THIS DEBT AND MY RIGHTS TO DISPUTE BEFORE IT WENT TO COLLECTIONS. THEY CLAIM I OWE THEM {$450.00} WHICH IS FALSE. THIS COMPANY IS DAMAGING MY REPUTATION AND HAS MASSIVELY CAUSED ME HARM. THIS BILL WAS WRONGLY SENT TO COLLECTIONS IN MY NAME AND I WANT THIS REMOVED IMMEDIATELY. I WOULD LIKE THIS REMOVED FROM MY XXXX AND XXXX CREDIT REPORTS IMMEDIATELY. I WILL CONTINUE TO PURSUE LEGAL AVENUES AT ALL COSTS TO STOP THIS COMPANY FROM RUINING MY NAME AND BREAKING THE FCRA. I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT AND THIS COMPANY IS FALSELY REPORTING. 

I HAVE DISPUTED THIS WITH THE CREDIT BUREAUS AND I HAVE TALKED TO NATIONAL GRID DIRECTLY. I WANT THIS REMOVED!
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (UT)

XX/XX/XXXX - Enter into a lease agreement for a family home for {$900.00} per month from XX/XX/XXXX to XX/XX/XXXX with XXXX. XXXX XXXX. Paid a {$900.00} deposit. ( XXXX, the home owner is XXXX. ) XX/XX/XXXX - XXXX XXXX XXXX and XXXX takes over the lease ( XXXX  has died ). 

XX/XX/XXXX - I respond to XXXX  claim about damaged sprinkler system ( there is no sprinkler system ; I have to drag hose ). I also advised them that I had also reseeded the lawn. 

XX/XX/XXXX - I question XXXX about renewing the lease and was told that owner was planning to sell the home. The lease was not renewed. I was my family might have to vacate on 30 days notice. 

XX/XX/XXXX - First advised XXXX that I and family would vacate at end on XXXX. Followed up with emails. This was acknowledged by XXXX. 

XX/XX/XXXX - Advised XXXX  that I would apply deposit to XXXX rent. They claimed I would owe a {$450.00} releasing fee. I had to remind them that I had been out of contract for over a year. They then acknowledge this, claiming they had misread the year. 

XX/XX/XXXX - Family moves out and leaves keys. 

XX/XX/XXXX - XXXX  claims {$900.00} deposit for cleaning and repairs. ( Bill had told me could use the deposit for last months rent. ) XX/XX/XXXX - I received a bill from XXXX for rent, late fees, cleaning and repairs in the amount of {$2700.00}. 

XX/XX/XXXX - I immediately respond to this claim with pictures and a written dispute to damages and cleaning : I had hauled truck loads of trash from back yard, had to repair plumbing with my own labor and parts I had purchased ( as landlord never responded ), holes in walls were preexisting ( I had put no holes in walls ), the sewer leaked when we moved in and I had done nothing to carpets. I also said I would provide additional photos upon request. 

XX/XX/XXXX - Hunter Warfield, a company hired by XXXX makes a collection claim against me for {$3100.00}. 

XX/XX/XXXX - Hunter Warfield sends another collection letter threatening my credit report ( and they file a negative claim ; against my credit that I have been trying hard to repair on my own ). 

XX/XX/XXXX - I sent a letter to Hunter Warfield ( copy to Ameritrue ) disputing the claim and demanding that they remove the negative credit complaint. 

Summary : I abided by the lease and a 30-day notice once the lease had been expired for more than a year. I cleaned up the property after moving in and did needed repairs, as XXXX  was unable to. The damage now claimed was pre-existing. I believing using the deposit for the last months rent was appropriate ( as the original landlord let believe I could do so. I thought I had finally resolved this with the substitute landlord until, about a year later, they send collection agency against me. Under the circumstances a negative credit report is wholly inappropriate, especially since the underlying claim has never been resolved.... 

Most of the referenced documents are in the possession of XXXX.
Consumer complaint received 2017-01-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

XX/XX/XXXX, an illegally anonymous individual at US Bank falsfied claims about a single {$330.00} check normally endorsed and deposited, processed 1x per the customer who provided copies of both sides of the check, and involved a business protected by the debt collections laws as a strategy the bank staff are not familiar with, who were served with a Cease and Desist almost the same day, and went on for {$15000.00} in damage infliction with mail fraud, wire fraud, accounting fraud, bank fraud, blocking the use of their names, sending anonymous letters from other states US Bank offices with return addresses in IL, and moving on to falsified claims about US mail addresses for another 5 months after this was shut down on CFPB, as persons continuing to claim that they can resurrect their not nuisance filing at this level of malevolent damage infliction meeting IL criteria for XXXX by the bank employee ( s ) personally, demanding their victims " live in the poverty '' like a XXXX. The bank sent out completely different false claims to every mediator, and openly conducted this dispute they refused to drop formally even via CFPB when they did for the criminal purpose of stalking the victim and inflicting severe egregious damage infliction while hiding names and sending junk from out of state calculating they can get away with it. It is necessary to forcibly expose them and shut them down now XX/XX/XXXX.