davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: ACIMA CREDIT, LLC (NY)

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : XXXX Acima Digital FKA SIMP {$1600.00}
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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. (VA)

I have called Eqifax, Ive even sent certified mail explaining to them you are reporting XXXX inquiries on my credit report, which are not mine. And yet still they are still reporting the inquiries, every time I call they tell me I have to send in documents which I did to all 3 credit reporting agencies, XXXX and XXXX XXXX has honored their part and removed all the fraudulent inquiries on my report and Equifax refuses to remove them. Since last year Ive been sending letters to Equifax and Im yet to get any results. I have been denied credit because of this. And Im going to hire a lawyer to pursue legal action. Its not right XXXX inquiries and wrong address on my report, and they need to be held accountable.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked XXXX XXXX XXXXXXXX has refused to remove this from my credit report.
Consumer complaint received 2023-01-02
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. (WA)

In accordance with FCRA, Equifax has violated my rights by reporting false inaccurate information on my consumer credit report. Under 15 USC Code 1681 ( a ) - Congressional finding and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX  XXXX Account XXXX has been closed and is reporting inaccurate dates and an updated balance every month as of XX/XX/2022. OTHER CREDIT REPORTING AGENCIES HAVE REMOVED/DELETED THIS FALSE COLLECTION ACCOUNT. I have been injured numerous times from Equifax negligent and willful behavior. These injures include my reputation has been ruined, loss of income, XXXX and mental anguish. Please remove this account immediately. 15 USC 1681 ( a ) ( 4 ). States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692b ( 2 ) can not state that such consumer owes any debt 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Original loan was secured through XXXX and was sold to Mr Cooper loan servicer immediately. My husband is a XXXX XXXX  and qualifies for property tax exemption in our state. Appropriate documentation was sent to loan servicer as soon as it was received in XXXX. Contact with Mr. Cooper was made in XXXX and I was advised that the document was received and to allow 21 days for disbursement of funds in escrow account and adjustment to payment to be made. I made contact again in XXXX before the XX/XX/XXXX payment would be due ( after at least 21 days ). I was told that the paperwork was processed but just the day before I had called and no adjustment would be made for XXXX 's payment of {$3000.00} which should be {$230.00} less than that monthly. I called again today XX/XX/22 at XXXX EST and was told their system was down and that I had to call back later. This was after holding for XXXX minutes and manipulating their deplorable computerized phone system. I requested a call back and was told they were not able to do that. When I asked to speak to a XXXX, the XXXX stated that I had " rejected a call back offer '' and then proceeded to tell me they could not call me back. This is just XXXX. I disconnected the call because unfortunately, I will have to call back. If the situation were reversed and I owed money to them, they would positively be more proactive. XXXX initially told us the exemption is done often and would be a simple and fast process to adjust our payment. I am adjusting the amount we pay, to what we actually owe monthly {$2700.00}. We need action taken by Mr. Cooper to reflect the status that my husband earned and if XXXX intends to service XXXX, they should cease any business with Mr. Cooper.
Consumer complaint received 2023-01-02
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: CITIBANK, N.A. (TX)

On XX/XX/2022, I purchased a handbag with my Best Buy credit card ( with a 10 day promise of delivery ) from the following website : XXXX known as XXXX XXXX XXXX. When several weeks had gone by with no delivery, I attempted to contact the merchant by phone ( and email ) to cancel the order. Unfortunately, all these attempts were unsuccessful. Phone calls went to voicemail and emails went unanswered. 

On XX/XX/2022, I phoned Citibank credit card disputes department and filed my first of many disputes for this transaction. In the meantime, on XX/XX/2022, I received a handbag from the merchant ; however, it was not the same bag that I had ordered, and I promptly mailed it back to them on XX/XX/2022. 

I have twice provided proof Citibank team that I have returned the incorrect bag to the vendor, proof of my multiple attempts to contact the merchant directly for resolution and have been informed four times now ( and with no explanation ) that my dispute was denied.

This is such a clear case of internet fraud that no reasonable reviewer could refuse to credit my account back the {$650.00} and force this obviously fraudulent web site to reimburse the bank. 

There is absolutely no reason for this dispute to have been denied. There is, furthermore, absolutely no reason that I can not get a representative with the authority to remedy my issue to contact me via phone to discuss the way forward.
Consumer complaint received 2023-01-02
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. (VA)

I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (TN)

On XX/XX/XXXX I got ta car from XXXX on XXXX XXXX # XXXX XXXX. I was charged extra interest. I paid {$380.00} to Exeter Finance XXXX. A consumer law has been broken. On XX/XX/XXXX the car broke. I have warranty called XXXX that fixes specific parts of the car. My engine needed a replacement so i sent the car back to a company that warranty is through. It was called XXXX XXXX they found out it was the motor and tried to charge me {$7000.00}. They wouldnt fix it because I didnt have proof of oil changes. Before I sent the car to the shop they didnt tell me about any receipts. They cheated me. XXXX is a big scam. Exeter is trying to make me pay {$13000.00} for a car that is not running. I need help. The day I got the car they ran my credit several times to see if I can qualify for a car. They cheated me. 

Exeter Finance is the finance company that gave me the loan they want me to pay {$13000.00}.
Consumer complaint received 2023-01-02
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: Paypal Holdings, Inc (GA)

On XX/XX/XXXX I used my PayPal XXXX credit card to purchase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those items were never received. On XX/XX/XXXX I opened a dispute with PayPal, which they refuse to refund and closed without resolution on XX/XX/XXXX. I am reporting fraud, in that the system will not allow me to escalate further.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (UT)

THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ITS DATA REPORT BROKERS. 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (LA)

I get at least 8 calls a month from capio partners asking if they can speak with an unknown person to me. I have told the person on the phone that they have the wrong number and to please stop calling. They apologize and say they will remove my phone number but they will call again in a few days looking for a different name. These calls are always from a XXXX XXXX area code and are sometimes the phone number is different. The caller will not identify their name but they do say they are from capio partners collection agency. They called me twice today from XXXX and I'm sure they will call again in a few days
Consumer complaint received 2022-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-11
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: Chime Financial Inc (CA)

I have like 50 inquires from chime XXXXXXXX XXXX XXXXXXXX XXXX like XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXX dollars they claim i aint heard a pip from them when i told them they need to reimburse me my idenity got stolen while i was using yhere premium service i have a debt with XXXX XXXXXXXX it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Im currently applying for tech jobs and I received an email from a recruiter stating that I might be a good match for a company called XXXX, and I should apply and interview with them. I researched the company and found it to be legitimate. In the email Im given details on how to set up my XXXX account and reach out to the person from XXXX who will interview me. I connect with this person via XXXX and interview with them and after a few days Im told that Im hired. I get a call from them that they would like to start training in a little over two weeks. I researched the company through their official website and researched the person I was in contact on XXXX so that would know that they were the real people from XXXX. As it turns out, the scammers were impersonating real people that actually work for the company, using their information from XXXX. Its a remote tech job and Im told that the company will be supplying me with a new laptop and other devices for me to succeed in my new role. Im told that I will be receiving a check that I need to deposit to the ATM in my bank and then Im provided with the tech website where the equipment is going to be purchased. I receive the check, I deposit it and go ahead to the website, XXXX, where I purchase the equipment. The options for the payments are XXXX, wire transfer and XXXX XXXX. I choose wire transfer as its more convenient and I go ahead and wire transfer the money to the recipient. Two days later I get an email from my bank that the check that I deposited is not valid and its returned. Therefore the money that I deposited is no longer there and now Im out of {$8600.00}. As soon as I discovered that the check was fraudulent, I contacted my bank to begin a recall. I spoke to 3 different agents and each of them gave me conflicting information, which led to it taking an entire business day to initiate a recall. At this time Im not sure if any funds will be recovered, and my bank is now trying to collect a balance from me for funds that they themselves represented as available when in actuality they were not.
Consumer complaint received 2022-08-24
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (VA)

I have received text messages from this company with no description of the supposed debt. There is a line at the bottom of the text that says " reply STOP to stop texts '' I have done this twice and am not unsubscribed. I do not believe this is a real debt collection attempt. A real debt company would send a letter in writing with the ORIGINAL creditor to the address they have on file. I will not respond to this supposed debt collector until I receive a letter explaining the supposed debt and where it came from. Stop calling and texting me.
Consumer complaint received 2022-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

1- We got a student Loan From Sallie Mae XXXX A federal Institution created by the congress to fund education. this is what we tought when we sign with them in XXXX that it was a government entity that serviced federal education loans. 

2- It was too late when we realized this was not part of a federal loan anymore but private loans. 

3- Sallie Mae Has been calling me everyday even sundays trying to collect, I told them I am XXXX at this time, but they are not interested to work with you. 
4- I called them back trying to find a middle point and some negotiation but they said they have nothing I qualify to help me, to call them back when I get a job. 

5- they are threatening to garnish my wages when I get a job. 

6- Even when I did small payments when possible, they reported us to the Credit bureau XXXX our credit is ruined just because of a student loan. 

7- Their interest rates are really high and keep going up, at the end if some day we will be able to pay this loan back, it will be almost 3 times the amount we borrowed it. 

8- I want to know when and how the Goverment privatized Sallie Mae XXXX and how they did it. 

9- They are not open to any negotiation, They do not care about students or education, this is just a depredator business created with good intentions by the congress XXXX but privatized and keeping the name only to confuse borrowers, how the goverment allow this kind of very profitable private corporation take control of Students loans. How this happened? nobody can answer.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

I have attached a letter documenting everything that i can remember. 
I have been a victim of identty theft/fraud. Reached out to DISCOVER, XXXX XXXX XXXX  and XXXX XXXX XXXX. Approximately XX/XX/2022, I noticed that several of my above credit cards had been comprimised. I contacted each and the companies closed the accounts and reissued cards under different account numbers but did not address the fraudlent charges. I flagged my SS # with the credit bureaus, contacted XXXX XXXX police dept ( see attached ) and filed an incident report. In speaking with the detective, he stated that he was able to track some of the charges to a man/woman in Florida. Both my daughter and myself tried explaining to the credit card companies that I was a victim of identity theft. They stated I need to submit in writing which I did to all of the companies. They refuse to remove the charges.DISCOVER charges total approx $ {$15000.00}, XXXX  {$1700.00}, XXXX XXXX {$4500.00}, XXXX XXXX {$4900.00}. Discover did reverse the charges at one point but turned around and put the charges back under 1 card. 
I received a copy of the police report filed, I can not get a comprehensive copy of the police report. I was told that I needed to hire an attorney and go to court to get that information released to me.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (FL)

Im contacting you in regards to a notice stating that I owe {$3700.00} to XXXX XXXX XXXX, located in XXXX. Ive never been to XXXX and Ive never lived there. I contacted the company to see what was going on and they had no record of me ever dealing with them. 
This is a complete scam from some collection agency called Contract Callers Inc. 
Can you please help me with getting this fraudulent claim and charge off of my credit report and help me get my credit score back to where it was before this scam happened? 

Thank you