davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. 



My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2022 my wife and I received an email from XXXX ( a hacked email address ) from XXXX XXXX email. While my wife and I were communicating with XXXX XXXX agent on the closing cost on a house in XXXX XXXX XXXX the address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX We were instructed to send a wire transfer ( {$48000.00} ) to a JPMorgan Chase Bank Account XXXX with Routing Number XXXX which we ended up doing believing that we are communicating with the right people. 
Finally on the day of the closing which was XX/XX/2022, XXXX XXXX reached out through our agency and requested the wire transfer document which I brought to their office and they discovered that the account number wasnt thier own. Also they discovered that there email address has been hacked into and the fraudsters were using a similar email address just like theirs and only changing the dot com to dot cam. That was when we realized that we were scammed and immediately called the Police, FBI and informed the XXXX XXXX XXXX. I was instructed to file a fraud complain with the XXXX XXXXXXXX XXXX which I did and also filed an ic3.gov through the FBI website. I have been calling and following up with XXXX XXXXXXXX XXXX and after my call today which is XX/XX/2022 I was instructed by the Account Manager to file a complain with Federal Trade Commission office too. Please I will am seeking your help in recovering back my money and my family has been through difficult times during this period.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-11-15
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. (CA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

JEFFERSON CAPITAL SYSTEMS LLC is communicating with me ( a consumer ) in connection with collection of an alleged debt that I do not owe. They do not have my consent to communicate with me. JEFFERSON CAPITAL SYSTEMS LLC has my personal private information without my consent. This is identity theft. They are a third party debt collector who purchased this alleged debt from XXXX XXXX XXXX. No consent from me to communicate with me is a violation of the Fair Debt Collection Practices Act. They are reporting inaccurate, incomplete, negative and damaging collection information to my consumer report with XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1692c, I am notifying JEFFERSON CAPITAL SYSTEMS LLC that I refuse to pay the alleged debt and I wish for them to cease further communication with me which included reporting information to my consumer report. The only communication allowed aside from what 15 USC 1692c ( c ) allows is a copy of the AGGRAVATED VALUE OF PURCHASE which will show how much they purchased this alleged debt for as they are extorting me for payment in the amount of {$10000.00}. If they did not purchase this alleged debt for {$10000.00} then they are sharing false & misleading information.
Consumer complaint received 2022-11-15
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: Nelnet, Inc. (CA)

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2016-02-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lloyd & McDaniel, PLC (IN)

XXXX XXXX lease car returned XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. XXXX representative informed me that my balance was {$0.00}. That day, I purchased a new lease through XXXX 's sister company, XXXX XXXX, at same dealership. Today, XXXX, I am the primary signer on a new XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through XXXX XXXX.
Consumer complaint received 2015-08-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Solomon and Solomon, P.C. (CT)

I received a collection notice from Solomon and Solomon P.C. of XXXX XXXX XXXX, XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX loan that was apparently originated around XXXX. I have not received any information about the original loan, no copies of the original loan application or documents and no proof that this loan is indeed my responsibility, but it is certainly not my personal debt since I have n't been a student since XXXX. I have helped my XXXX sons get through college, however, and XXXX of them did attend college in XXXX until XXXX, but again, I have n't received any original loan information, so I have no way of knowing if this is his debt. All I have received is collection notices demanding {$22000.00} of which they now claim {$21000.00} is principal and {$430.00} interest. In XXXX XXXX, they claimed {$12000.00} was principal and {$7500.00} interest. In XXXX, they raised the interest to {$7800.00}. So now they 've changed the interest due into principal due. 
Secondly, in XXXX XXXX, Solomon and Solomon served me with a Civil Summons for which I had to file an " Appearance '' with the " CLERK, SUPERIOR COURT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX '' by XXXX XXXX, XXXX, which I did. I also sent Solomon and Solomon a copy of my " Appearance '' form. They then asked the court for a " Motion For Default - Failure To Plead ''. The court responded thus : " The foregoing, having been considered by the clerk, is hereby : ORDER : DENIED. The person sought to be defaulted is not a party to this case ''. Then on XXXX/XXXX/XXXX, Solomon and Solomon filed yet another " MOTION FOR DEFAULT FOR FAILURE TO PLEAD '' with the court against me for " failure to file an Answer in this matter ''. I have n't been asked to plead to anything. The only action requested of me was to file an " Appearance '' by XXXX/XXXX/XXXX. Since I have n't been told anything about the original loan and nothing about how I may have acquired this debt, I consider this not only heavy-handed, but also a devious tactic because they are requesting something that has already been denied, perhaps in hopes that the court will inadvertently contradict its prior ruling. 
XXXX, I am considered " Totally and Permanently XXXX '' by the XXXX and also by the XXXX. To continually harass a XXXX American over a debt he knows nothing about is outrageous. I am considering what options I may have against Solomon and Solomon for their intimidating tactics and constant correspondence demanding more and more money including attorneys fees and absurd interest charges ( that somehow turn into principal debt ). 
I will gladly forward copies of any paperwork I have regarding this matter as well as proof of my XXXX status. Thank you for taking the time to review my information. Please help me if you can.
Consumer complaint received 2022-11-15
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: M&T BANK CORPORATION (AZ)

This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with M & T bank and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against M & T because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( XXXX ).
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

This account was previously with XXXX XXXX XXXX, account number XXXX in the amount of {$560.00}. I was never called by this company, they just sent a letter after it was removed from my credit report.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (NE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2016-11-26
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to XXXX.
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BELMONT FINANCE LLC (NC)

XXXX XXXX, My name is XXXX XXXX XXXX. Please contact me via this email and by phone at XXXX I was working with a vendor and she connected me with a finance company to finance a product that she wanted to sell to me under false pretenses. I was unaware that I was signing up for a loan and she assured me that I was not signing up for a loan and that the product was returnable within 90 days. Upon speaking to the customer service representatives at Belmont Finance LLC I spoke to a representative named XXXX I asked XXXX if it was possible for the loan to be canceled and why was not offered a deferment he advised it was due to my credit and that if the vendor wanted to she had the ability to cancel the loan. I reached out to the vendor to relay this information to her and she proceeded to contact my finance company figure out exactly who I was talking to which was XXXX XXXX and he gave her information regarding my credit why was an offer the deferment and basically what we talked about. The winner text me stating that XXXX XXXX allowed her to listen to our recorded conversation And gave details about our conversation as well. The vendors name is XXXX XXXX of XXXX XXXX XXXX XXXX in XXXX North Carolina. XXXX should not have been able to contact my finance company figure out who I was talking to you or we told who I was talking to you as far as the representative get information regarding our conversation my credit and listen to our record a conversation which she admitted to doing so via text with. I have attached a copy of the screenshot showing her phone number and a text. The finance company has confirmed that a conversation between XXXX and XXXX did take place regarding this information.
Consumer complaint received 2022-11-15
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)

This is XXXX XXXX XXXX submitting this CFPB complaint. By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance Owed : {$4400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.