davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IN)

Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 


Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

When I attempted to dispute information on my report ( XXXX was showing a problem ) I was unable to access my report and told to call Equifax. Equifax uses unreasonable questions to verify including the minimum payment on a store card from XXXX XXXX that was closed about ten years ago and no longer exists on my credit report. They asked about a car loan that doesnt exist. They asked when I last put a fraud alert on my report. It would have been many years ago, so I can not provide the month nor could anyone remember something so specific from that long ago. Furthermore, minimum payments change based on what charges are made to a card. The questions are unreasonable. The phone system is intentionally off putting and obviously intended to frustrate people. 

Equifax is not acting appropriately and should not be allowed to continue as such. They have lost my information multiple times and admit to doing so ( and are paying for monitoring services ) but wont allow me to access my own file to dispute inaccuracies.
Consumer complaint received 2021-10-13
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: BARCLAYS BANK DELAWARE (GA)

I had a service provided by XXXX XXXX XXXX XXXX XXXX for {$400.00}, in which I originally paid by check ( XX/XX/XXXX ). Unfortunately, I forgot to move the money over prior to and after reaching the merchant, paid the fee on my credit card ( XX/XX/XXXX ). The merchant turned around and cashed the check ( XX/XX/XXXX ). The merchant say that they would reverse the credit card charge ( XXXX ), but didn't. I contacted Barclay online and filed a dispute ( XXXX? ). Their online dispute didn't accept the format ( pdf ) that the supporting documents were in, so by the time I was able to get them converted, the online dispute was closed. It also would not let me add the file online. After calling Barclay, the only option was to mail it ( XX/XX/XXXX? ). I mailed the supporting documents to them. I contacted them ( XX/XX/XXXX ) after receiving a letter ( XX/XX/XXXX ) saying they denied the dispute because they didn't have supporting documentation. They said that they just received the documentation and would investigate my dispute. A couple of weeks later, no record of the adjustment had been made. My documents showed the money coming out of my checking account after I had paid the merchant by credit card. It also showed the attempt by the merchant to cash it prior to the credit card payment.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

5 years ago XXXX placed fraudulent information on my credit file indicating I owed them {$650.00} XXXX - for which there is no truth. The truth is I was lied to by their rep while in the office, given some paper work to take home which required me to return with the needed information before opening an account with them. When I reviewed the information I knew they were not reliable and return all of the material the next morning to the same office from which I was given the material in XXXX XXXX. That should have been the end of our short association but they didn't like my rejection and filled the fraudulent information. I have no reason to check my credit report but when I was sent a statement that my FICA score had been reduced and asked for a report I discovered their lying ways. Trying to work with you has been impossible because of the stupidity of your rulels.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, there was a transaction made from my XXXX account using my Chase account in the amount of {$630.00}. This transaction detail shows on my Chase bank statement as " XXXX payment to XXXX XXXX XXXX '' which is me, however that transaction was not authorized and was taken from my bank account. 

I reached out to Chase who explained to me they could not refund me because it looks as if I authorized the charge. I requested they re open my claim and dig deeper to see that money did not go to me, that my XXXX account was hacked. I have not gotten any where with them. 

I have attached the bank documents. The information shows my name and phone number yet, the bank should be able to see that the bank account that money went to was not mine.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date XXXX : XX/XX/2015 Balance : {$5800.00}
Consumer complaint received 2021-12-21
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (SD)

On XX/XX/XXXX  a wire transfer for XXXX was taken from my account. On XX/XX/XXXX  I was notified by the card company via email that my pin was changed. I immediately got online and found that a XXXX wire transfer was done on my account. I did not authorize or complete this transaction myself. I immediately changed my pin and password, called the card company, cancelled my card, and reported the theft. The card company cancelled my card, reissued a new one, and sent me paperwork to file the theft claim. I received the theft claim paperwork on XX/XX/XXXX  I immediately filled it out and faxed back to the company. They never received it. Apparently I was given the wrong fax number. I then put the paperwork in the mail. I called daily for 2 weeks before they received my claim. They told me Id get my money back on my card within 45 days. They told me to call every 24 to 48 hours to check my claim. The first time I called, they said my claim was denied and closed. I request the information they used to close and deny my claim, but they couldnt tell me. I asked to speak to a supervisor, they said they dont have a supervisor. They finally reopened my claim and again told me to call every 24-48 hours. I would call and be on hold from 1 to 2 hours every single time I called. Nothing was ever done for 3 months, always being told my case was still being investigated. I quit the daily called in XXXX. I would call every week after that and still not result. Finally on XX/XX/, I was told by the card company my case was once again denied and closed. I have been asking for the account number where my XXXX was wire transferred to and they would not give it to me. Finally on XX/XX/XXXX  I was give the routings number and account number to where my money went. I called the XXXX bank in XXXX XXXX, sd where my money was wired to and asked about that specific account and told them about the theft from my account. They told me that specific account was flagged and closed on XX/XX/XXXX  for fraudulent activity and flagged by their dispute team. I call my card company the same day and told them. And requested my money be put back on my card for the 50th time. They transferred me but I was continually hung up on. I called again on XXXX XXXX XXXX  and was on hold for 3 hours before I finally gave up. 

Apparently my card company did not investigate this theft, otherwise they would have found out the theft account was closed and flagged for fraudulent activity. I had to do it on my own. 

I am requesting your assistance in recovering my money. It was my unemployment benefits. The only money I have. I am still unemployed and have no resources. Please help me get my money back
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (GA)

there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (MD)

Today, Monday, XX/XX/XXXX I received a writ of garnishment in the mail for a balance that I am unaware of. I contacted the collection agency ( Levy Lawfirms ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with XXXX XXXX XXXX  in the amount of {$6300.00} and then with XXXX XXXX XXXX and a judgement was entered against me in XXXX and that Levy Lawfirms had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my account.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2019, I received a letter from a debt collection by mail on behalf of XXXX XXXX XXXX for the amount of {$50.00}. I have been a XXXX of XXXX from 10 years and payment is made always before service can be render and it made to the billing department. XXXX is aware that I am a XXXX XXXX and such person are required to obtain and keep good credit. XXXX has not notified me by mail or any such means that I owed of any such false amount. However, I this letter from the collection agency without any reason to why an amount would be due has not been exercised. XXXX has violated my rights to dispute or see why I would be charged when I would not been able to see the doctor and also, I pay {$80.00} per visit to see the doctor. I don't know why XXXX is creating financial fraud which, can be proving by my credit card payment on any such service that has been rendered .. This is totally financial fraud or reporting on XXXX XXXX part and to not give me the opportunity to dispute their billing by sending or call me about his is fraud ...
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX a check in the amount of {$35.00} was presented as an EFT to my XXXX XXXX  360 Checking Account from Citibank. This charge was unauthorized. 

The history behind the transaction is that I previously held a Citibank Checking and Checking Plus ( credit line ) account for nearly ten years. Due to a dispute with Citibank, I closed out both accounts in XXXX and made regular monthly payments, scheduled to be deducted on the XXXX of every month to pay off the Checking Plus balance. On XX/XX/XXXX, I made the final payment on the account in person at a Citibank branch, bringing the balance to {$0.00}. I followed up on that transaction by calling Citibank to ensure that there would be no further deductions from my account. I was assured that there would not be and was advised that it was not possible for their system to initiate because there was a {$0.00} balance. I accepted this as factual. 

Despite being assured there would be no further deductions, on XX/XX/XXXX, Citibank sent another EFT for {$35.00} to my XXXX   XXXX 360 account. I called Citibank regarding the matter and it took awhile for any representative or managers to locate the transaction, as the account was showing a {$0.00} balance. Eventually, the error was found and I was assured that the charge would be reversed by the end of that week. The end of the week came and went with no reversal, so I called again. After speaking with several representatives who could not follow nor see what I was referring to, I finally spoke with a representative who stated that I would be receiving a paper check in the next 10-14 business days because the system could not reverse the charge due to a {$0.00} balance. She assured me that this would not happen again, although she insisted that she was unable to send me any kind of formal letter or document indicating that account is paid in full and will not be subject to any further charges. Approximately one week later, Citibank reversed the charge and also sent a paper check in the amount of {$35.00}. I did not cash the check. 

On XX/XX/XXXX, another EFT in the amount of {$35.00} was deducted from my account by Citibank. I contacted Citibank again, however this time they refused to assist. They claimed to not see the transaction anywhere, they were rude, dismissive, I was hung up on once while I was explaining the matter, and ultimately they suggested that I file a dispute with my bank - XXXX XXXX.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On XX/XX/2019, I received a notice, dated XX/XX/2019, that the servicing of my mortgage loan was being transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX to LoanCare , LLC XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 

I never agreed to do business with LoanCare , LLC and have been reliably making payments on my loan through XXXX XXXX XXXX online form. 

It seems that as a result of this action, which was not initiated by me, I now need to change how I make payments on my loan. 

The notice only included information about the address and phone number of the new servicer, but no information about the website. 

On calling the new servicer, their automated system did not recognize my new loan number or SSN. I waited on hold for over 30 minutes. 

The automated system told me to go to www.myloancare.com. When I tried to register there, the system told me that my SSN was invalid. 

This may seem like a small incovenience, and I'm sure these companies do much worse things to consumers on a regular basis, but I have several children and work full time so I don't just have hours I can spend changing my loan payment information at the whim of a company I've never heard of. I used the time I was on hold to write this complaint. 

If they aren't interested in making it easy to pay my loan, maybe they should just forgive it!
Consumer complaint received 2021-10-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.