davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AZ)

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to 2018. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the use of my Trademarked name XXXX registration # XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Consumer complaint received 2022-10-13
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: CBC Companies, Inc. (NC)

My personal information was stolen in XXXX out my car. My car was broken into 1st in XXXX,2ndXXXX North Carolina . I have sent a copy of my police report to XXXX XXXX, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. Please delete all Fraudulent information from my credit report.
Consumer complaint received 2021-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VEROS CREDIT, LLC. (CA)

I would like to have this fraudulent account removed immediately from my report. Someone opened this account in my name which I was unaware of until recently when I attempted to check my credit for other reasons. This is an unauthorized account ( XXXX ). When I reached out to this company they asked me to provide identity documents for some man named Mr.XXXX who I don't even know. 
I have never heard of this person and there is no way for me to provide a social security card or ID for this man. This company has allowed someone to use my name and information to open an auto loan and I would like this account removed immediately it is affecting my credit report and leaving me in a period of stagnancy with my life and financial goals. 

ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 Loan AMOUNT {$18000.00}
Consumer complaint received 2021-01-14
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)

I have entered into an agreement with the creditors. I have maintained my part of the agreement and the credit bureaus refused to update the information on their system. Eventhough i sent them a copy of the agreement and the payment histories
Consumer complaint received 2022-10-12
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: BARCLAYS BANK DELAWARE (TN)

In XXXX of this year, my wife and I visited XXXX, XXXX for our honeymoon. We stayed in a XXXX  all-inclusive resort, and were asked if we would like to tour the property and receive a free breakfast and a gift certificate to the on-site spa. They said it was not a sales pitch, it was something that they offered guests who were interested. We agreed, and took part in the tour the first morning of our stay. The breakfast ended up being the normal buffet, which is always free anyway, which made us a bit suspicious. At the end of the tour, we were taken into a room to receive our spa certificate, and they began trying to sell us a vacation discount club membership. We declined multiple times. At this point, it had been five hours, even though they had told us the entire tour and breakfast would last for an hour total. After receiving multiple discount offers to join the club, we finally agreed, thinking we would simply cancel the membership once we were back from the trip. We were told there was a 30 day cancellation period. They then brought an XXXX with dozens of places that we were supposed to sign. The employee held onto the XXXX, and scrolled through it quickly, telling us to press a button in each spot they wanted our signatures. We both felt extremely uncomfortable and pressured throughout the experience, and were often unclear about what was happening due to the language barrier. We tried to stand up and leave three times and were stopped at the door and taken back to our seats each time. After returning to our home in Tennessee, we reviewed the login information we had been given and got online to cancel. At this point, we found that they had opened a credit card in our names at Barclays Bank, and had been charged {$2000.00} USD. We contacted every company involved, with the vacation club refusing to cancel our membership, and Barclays telling us that they would investigate. A couple of weeks later, we were contacted by Barclays, and were informed that we were required to cancel the membership within 5 days of signing, which we did not do ( again, we had been told 30 days ), and that they would not be cancelling the charge, and that we would continue to be charged monthly. We feel completely taken advantage of, have never used any of the " benefits '' of the club, and have been trying to get out of it since the very beginning. Please help!
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, I called Chase Bank to dispute a {$1000.00} paid in XX/XX/2020 to XXXX XXXX  Academy for a XXXX course for a XXXX exam ( Step XXXX XXXX ). In XX/XX/2020, the exam was canceled for XXXX months due to COVID. I tried to deal with the company to obtain a refund, which they refused. 

I proceeded to file a dispute with Chase bank. They provided a temporary refund of {$1000.00} and did an investigation. I lost the dispute, Chase citing in a letter that " the transaction was processed correctly. '' This is not what I am disputing, and I can not use the service. Therefore, I should be eligible for a full if not partial refund. 

I called Chase to clarify, and they said I lost the dispute because I was " out of 120-day recovery timeframe. '' I was not told that when I initiated the dispute. When I questioned the representative about this and the letter I received not addressing my dispute properly, she said it is a generic letter and could not explain why I was told that there is a 120-day limit to file disputes.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2022-10-13
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. (OH)

I see there are 12 student loans on my credit report with all 3 credit bureaus XXXX, Equifax, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I received a letter from Penn Credit Corporation, trying to collect a debt from XXXX XXXX in Texas, where my social security number appears. The debt does not belong to me, because another name appears that is not mine, and on the other hand I do not live in the state of Texas. The company was called and they indicate that the service was used for 16 days. The company XXXX XXXX is charging the amount of {$96.00}.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

Good morning, Fedloans failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and XXXX ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! Fedloans sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.
Consumer complaint received 2021-09-04
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. (MA)

Equifax continue to use stall tactic with my dispute. Equifax continue to request for identity information I have provided multiple times. I have provided multiple supporting proof documentations showing payment made and received on time to XXXX XXXX XXXX. 

Attached please find again proof of identity and supporting documentation clearly showing payment made and received on on time. I am also attaching a copy of letter directly from XXXX XXXX XXXX clearly stating that my XXXX XXXX was received on time. Please see highlighted section.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX is the original creditor reporting an inaccurate account in which I have tried to address with XXXX, the collections agency XXXX XXXX and the credit bureaus. They will not provide me with information on how they are verifying that this is accurate nor have they removed it within the allotted time per my FCRA rights. Their investigation has been ongoing for several months. I also requested validation of the account from XXXX to which they have not addressed or responded.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MA)

Hi, I received a collection call today from XXXX ( IQ Data Inc ) regarding a debt for XXXX XXXX XXXX  XXXX XXXX. It's totally unacceptable because first of all, I lived there for more than six years ago and I'm pretty sure that I don't owe them anything. I remember that 30 days after I left and noticed that didn't receive my deposit back, I only received by mail a letter with absurd amounts related to replacing the carpet and minor repairs to the wall. 

When I emailed them using their ( Contact Us form on community 's Marketing Website section ), I questioned why the prices were so high, so that time a XXXX representative ( XXXX XXXX - XXXX ) was replying all my emails and one of the emails she was apologizing in regards the wrong estimate that I received by mail to replace the carpet and to fix minor wall repairs, so she came to the conclusion of a completely different and lower amount than the one that I had received in the mail. 

Finally, I was informed by her on XX/XX/2015, XXXX XXXX, that the final amount would be {$320.00} ( they already got my deposit that time and never gave me back ). My deposit was suppose to cover for all the repairs that they mentioned but they decided to over charged me that time and charge an extra amount ( the one mentioned here ) to replace the carpet and minor wall repairs. Lastly, I agreed immidiatelly about the final amount ( extra amount ) and asked her how should I make the final payment, once they said my deposit will not cover for all this expenses. 

On XX/XX/2015 at XXXX XXXX, I also informed her that I would be going there that day to drop the payment that was agreed between us by email. 

I was reading my emails again now with her and I noticed that I mentioned to her that I will drop-off a money order and not a check. I just called XXXX XXXX ( the company that I purchase 99.99 % of my money orders ) and they said that I need to request by mail a " Money Order Research, but it could take 6 to 8 weeks to send me back the results and we cant wait all this time. This is not fair because Im pretty sure they lost my money order that time based on the call that I received today. 

I don't understand how a company like XXXX XXXX XXXX does not have a copy of my payment anywhere there. I will fight to proof my innocence because I know this was paid on XX/XX/2015 when I dropped the money order there that day. Im going to also file a dispute now on ( https : //www.consumerfinance.gov/complaint/ ) about this. 

I just tried to contact XXXX XXXX by phone and e-mail but her email is not working and I couldnt find her by phone as well.
Consumer complaint received 2021-01-14
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. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of the wrong persons.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Med-1 Solutions, LLC (IN)

This is my SECOND attempt to resolve this alleged debt with Med 1 Solutions ( see CFPB Complaint # XXXX ). The company alleges they talked to me about a payment arrangement, for which I have no clue as to how that happened, they must have me confused with another individual. The company DID speak with me, but in a derogatory and intimidating manner. I even went as far as agreeing to a lump-sum payment to resolve this issue - and it IS an issue as the services as charged were NOT services rendered, nor was my insurance even billed properly. 

Therefore, this is my SECOND offer to resolve this debt. I will pay a lump sum of {$850.00} to Med 1, and Med 1 will close this file and remove any derogatory credit reporting from all 3 bureaus. I am not interested in anything else but a lump-sum arrangement. I will exhaust all legal avenues possible should this not get resolved amicably. 

I do not wish to be contacted by phone or email regarding this. Send the agreed amount in the form of a bill and I will pay forthwith.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TN)

On XX/XX/2020, I purchased a vehicle from XXXX XXXX of New York. I was sent an invoice for {$17000.00}, money to be wired to a business account for XXXX XXXX at PNC bank at XXXX XXXX XXXX, New York, NY. I contacted the bank directly to make sure it's a legit account. Then after wiring the funds, I contacted the bank later to see if the funds have been cleared because the seller, XXXX XXXX, told me that the bank was holding their funds. The bank would not answer my request and told me I can not inquire about an account I don't own. I then asked for the wiring department so I can speak to someone that can verify that my wiring from XXXX XXXX  has been cleared through PNC wiring department. Again, PNC declined to answer. Throughout the numerous emails and phone calls with XXXX XXXX in New York, they kept claiming that their funds were never released so they could not ship out my vehicle that I bought. Then I asked my bank, XXXX XXXX to intervene and inquire about a possible refund since the funds were never cleared. After few weeks, XXXXXXXX XXXX  responded that PNC never answer them directly either. Last week, I filed a fraud complaint with the FBI internet crime division after having no choices left and recommended by my own bank, XXXXXXXX XXXX Till now, PNC has never answer me directly, contacted me in any way, or assisted my bank to see what happened in this situation. Even if it's a straight scam, I felt like PNC could have answer quicker giving the consumer like me a chance to go after the criminal, if proved so. It's now past 90 days since the funds wired, chances will be slimmer to recover. I like PNC to answer directly to me if the funds were indeed verified and cashed out, if not, is it possible to have it refunded to me through the same means it was wired. Please help in any way possible so that I or anyone else can avoid losing money.
Consumer complaint received 2021-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Self Lender is reporting on my credit as a charge off for a credit card as well as an installment that I was paying into. I got behind on both as a result of the COVID-19 hardship, I explained the situation to Self & they decided to close both accounts as well as keep the money that I paid into the installment loan.
Consumer complaint received 2022-10-13
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. (CA)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately
Consumer complaint received 2021-01-14
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. (NV)

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (IL)

Hello, I have tried multiple times to pay the full balance of {$1200.00} off with the agreement of them removing the charge off my credit report. They agreed to settle for {$800.00} but wont take it off my credit. I have lost my family, my job and multiple family members due to this pandemic which started me falling behind in my final months of my auto lease. 
My life has been ruined and they dont care. 
I have filed a dispute regarding the natural disaster. Didnt work.