davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (MO)

I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (FL)

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. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (MO)

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. 

XXXX XXXX XXXX XXXX XXXX : {$6100.00}
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (CA)

I sent Bureaus letters last XX/XX/2022 but I didn't receive any responses. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

I contacted Chime and requested that my card be closed and a new one be sent to me due to fraudulent transactions that I did not make. I was XXXX and my phone was cloned and information was stolenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I begged for them to credit my account because I am going through XXXX and I am on a fixed income from the XXXX due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I filed on the XXXX and just wanted to get my things back that were stolen. I constantly contacted and asked to know where to send documentation and they told me to wait until one of the pending charges that was left was done. The moment it was settled on the XXXX they immediately closed it and said there was no action that warranted the dispute. So I filed a rebuttal on the same day and this morning it was denied even with the proper documentation and proof. I had over XXXX taken from me. I couldnt pay for my XXXX on Friday because I am overdrafted and they wont credit my account. I have contacted XXXX and XXXX about this and they can not do anything or wont even with them being the fiduciary groups for Chime. This isnt right, I didnt do anything and I just want my money that was taken. I told the dispute department that if my account was not credited today that I would file complaints with the CFPB as well as FDIC. I have been hung up on multiple times, they didnt file multiple times for said rebuttals even when they said they were. All Ive asked is for my money back, its not only XXXX but its the only way I have to help pay for my XXXX and now Im at a loss, I cant even afford to get fuel. I know this is just a protective measure for consumers, but hopefully nobody else has to go through this in the future.
Consumer complaint received 2022-09-28
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: SYNCHRONY FINANCIAL (OR)

Sync/XXXX  on XX/XX/XXXX on my credit report that I did not apply for. Ive been a victim of identity theft and have been contacting as many retailers and companies that someone has been applying for credit in my name. The Sync/XXXX is still on my credit report and says it will remain there until XXXX.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

This collection account was deleted in the past, and somehow came back on. It was already found to be inaccurate and false and here it is back on my credit again. 

I am a victim of identity theft, and I am attaching my FTC affidavit. Please help me.
Consumer complaint received 2020-04-17
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)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that 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. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST FINANCIAL BANCORP (IL)

Opened an account at First Financial Bank on XX/XX/XXXX. They had or still have a new account bonus for {$200.00}. You get the bonus if you complete the requirements, which is 3 debit card transactions after opening account within a certain amount of time. I completed the requirements by XX/XX/XXXX. Waited 2 weeks and called since I haven't gotten my bonus yet. The rep told me I have to be within a XXXX distance of a branch in order to get the bonus. They were not willing to make an exception. Nowhere on website or during the application is this mention. They only allow people who reside in IL, IN, KY and OH to open in account with them. Anybody else they deny. My issue is they allowed me to open an account ( I live in IL ), let me put my money into it and use it but don't want to give me the bonus. I am not that further than XXXX requirement, closest branch is about XXXX miles away. They put an odd requirement in order to not have to pay people the bonus. I would be more understanding if I was really far away, but I am not. I was going to use this account on regular basis, but I will no longer do that due to this negative experience. I will be closing this account as soon as I am able to.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

I am sending this to bring to your attention the injustices that are being committed against U.S citizens such as myself. I have on several different occasions made known to CFPB that I am being taken advantage of by corporations that are not upholding there responsibilities assumed by them to report accurate, correct, and complete information. I am now reaching out to you again about in specific a collection agency that goes by the name of PROCOLLECT , INC . I have provided PROCOLLECT , INC with FTC reports explaining thefts that happen to me pertaining to information they house and how the information they are housing as well as are reporting is not information that reflects any account that I have opened knowingly. I have also provided them with law and other reasonings and instructions pertaining to the theft and am being taken on a goose hunt. They are responding to my letters with the same response each time I ask for a reinvestigation of my case. This has been years and I am still dealing with this account reporting on my credit profile. I am beginning to get very frustrated and now again I am asking that you CFPB to look into this fraudulent account you being the governmental body and make PROCOLLECT , INC abide by the law as this is what the system is based off. The letters sent to PROCOLLECT , INC prior to this attempt are attached with this complaint. PROCOLLECT , INC is asking for a police report but I am not in my city at the moment and shouldn't have to deal with that hassle. According to FDCPA, FCRA, and FTC a FTC report which is equivalent to alerting the local authorities coupled with my testimony is all that is needed to validate that the theft has actually occurred. And if the company is looking for more proof than all the documentation I have already provided, then I also am asking the company to prove the debt is mine by providing me with the original contract between me and the Original creditor. Specifically this contract I'm looking for as proof of the debt must bear my signature to be valid and must be the original instrument used when the account was opened. If this proof is not specifically provided, by law the account in question must be deleted according to FCRA. I am asking this thing be handled immediately or I will seek litigation.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc. (MN)

XXXX XXXX : A company going by the name of " XXXX '' and " XXXX XXXX '' began sending me invoice statements for products or services that I did not order. This account is fraudulent. I have never ordered anything from this company, nor has any member of my family ordered anything from this company. The company 's address is listed as XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2022 : The company " XXXX XXXX '' sent a notice threatening to turn the account over to a collection agency if the invoice wasn't paid. 

XXXX XXXX XXXX : I discovered the company XXXX XXXX XXXX XXXX information about this fraudulent account to my local credit bureau. I discovered this when I applied for an auto loan to purchase my wife 's car. Because of the damage to my credit rating caused by this fraudulent report, I was unable to secure auto loan financing. 

XX/XX/2022 : Called the number on the XXXX XXXX invoice and the company refused to close the account. The representative said to file a report with the FTC. 

XX/XX/2022 : The company XXXX XXXX sent another invoice to me.
Consumer complaint received 2022-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NH)

I took out around {$19000.00} to get an XXXX degree from XXXX. I was an independent student so at the time federal loans and grants fully funded my education. When I graduated I had a job that barely allowed me money to live. I consolidated all my loans to XXXX XXXX who subsequently sold the loans to AES aka PHEA. From around XXXX my loans were serviced by PHEA. early on in the repayment I defaulted and the amount grew to {$29000.00}. I was able to get back on track but in XXXX I was getting divorced and again found myself unable to pay my loans. After exhausting my Forbarences I was in hours of conversation with PHEA as to how I could get on an income driven plan to lessen the burden. I was told that the only way I could do that would be if I went into default. Shortly after the 120 days were up in I was in financial ruin, I was contacted by PHEA and offered an income driven repayment plan, I took the offer. I was told that my payments would be $ XXXX month until I didnt qualify anymore. I was also told that because I defaulted that my new loan with the collection fees would be {$59000.00} and that all my qualifying payments made towards PSFL Would no longer qualify and that I would need to start over. My loans are now {$89000.00} ( I added {$2200.00} for a masters mostly because being a XXXX XXXX XXXX again was safer ). I asked PHEA to audit my loan for months as I though that {$30000.00} in collections fees were absurd but they sold my loan to a new servicer and never answered my correspondence except once to say that they no longer service my loans. I recently learned that the state of Massachusetts sued PHEA for the very practices that I am speaking of and I was excited that someone was doing something. I was living in Massachusetts until XXXX which my luck would have it is the exact cutoff for the lawsuit. I dont know what else to do.
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I contacted Chase bank, and the three credit agencies. Due to the fact that chase bank is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.
Consumer complaint received 2022-12-12
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: SYNCHRONY FINANCIAL (LA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AZ)

XXXX processed a hard credit inquiry for an application that was fraudulent. Further XXXX allowed an individual to place a false e-mail and phone number on my account allowing an unknown person to access all of my credit.
Consumer complaint received 2022-08-23
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. (MS)

Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I settled my discover account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the 2 burearus the discover credit card account is on being XXXX and XXXX and have not heard about the dispute i have also reached out to discover who is refusing to get issue correct in a reasonable time matter
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On or about XX/XX/XXXX, within XXXX minutes of being made aware of fraudulent transaction occurring, notified XXXX of fraudulent transaction for {$410.00} or thereabouts. Submitted dispute, and not given access to details of dispute nor investigation. Requested details of investigation on XX/XX/XXXX, again on XX/XX/XXXX. Again, today, requested details of investigation and final notice of dispute. Was told XX/XX/XXXX is date of results of dispute or some such. Not provided any document related to investigation, findings, nor final notices.