davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
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. (CA)

This complaint is because XXXX  has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) must remove the accounts from my credit profile within 4 business days when presented a full ID THEFT REPORT. They have also violated FDCP 809. Validation of debts ( a ) ( 4 ) Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged fraudulent debt. 

XXXX received the initial complaint on XX/XX/2020 [ CERTIFIED # XXXX ] Therefore XXXX  is NOT ALLOWED take advantage of 60 days to do an investigation. because of this online complaint trying to use an online technicality This is a violation of 607. Compliance procedures [ 15 U.S.C. 1681e ]
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In  XXXX   XXXX , we filed a complaint with the  XXXX   XXXX   XXXX  against  XXXX   XXXX . The  XXXX  took the case and got involved  ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for ove r two years that our payment was late and were charging us late fees. We thank the CPA fo r their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  letter they state that they are going to contact   XXXX   and Experian to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX    XXXX   credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX    XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX    XXXX   credit and hindering us from getting a loan. Thank you.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I received a phone call from a group called XXXX XXXX XXXX, the main person being XXXX XXXX, who states that he could help me have total debt elimination to Chase Bank whose interest rates were outrageous. He stated that there is a law : Fair Debt Collection Practices Act, which was found to have a " loop hole '' ( XXXX ) which allows his company to assist senior citizens as myself. 

He stated that his Agency was recognized by the 3 major Credit Bureaus. My amount owing was about {$5700.00} ; they would charge that card an additional {$6000.00} for legal fees for debt elimination by their attorneys ( was labeled : XXXX XXXX XXXX ).. He stated that the 3 Rules were as follow : 1. Do not pay XXXX anymore 2. Do not speak with Credit card or Bank employees 3. Call XXXX XXXX anytime XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Their Agency is listed as being in XXXXXXXX XXXX. This last item was good for a few months, but have been unable to reach anyone for about 3-4 months ; the " leave a message voice '' says that the " mailbox is unable to receive further messages at this time. " ... .then a " goodbye. '' I have a very " bad taste in my mouth '' about this scenario ; it stings terribly like a fraudulent action has occurred in my life. 
I would be forever grateful for a strong intervention to assist with my dilemma. 

Gratefully,
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have mailed copies of my DL and Court documents for name change via XXXX MAIL and no response I have uploaded my documents DL SS and bill with address to their site and no response I have faxed my documents DL SS and bills with address to them and no response on the update of my personal information
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2017-05-12
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX  asking them to investigate. On  XXXX   XXXX    XXXX   and  XXXX   XXXX    XXXX  ,  XXXX  sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (PA)

In XXXX I received a letter in the mail stating that I received a special offer to apply for up to {$4000.00} and then I wouldn't have a payment on my loan until XXXX, so I applied with some upcoming medical bills I am anticipating, they denied the loan, then today, less than 2 weeks after they denied me they sent me a letter with the same wording except no payments until 2023! Stating up to {$10000.00} dollars. This is not an acceptable practice as they KNOW and I KNOW it is NOT something they can do and sending a letter KNOWING nothing is available is not an ethical or correct practice and is very distressing and harassing.
Consumer complaint received 2022-11-14
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. (AZ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-14
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX BALANCE : {$96.00}
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I was issued a refund check from my XXXX for the money that I was paying them to get my XXXX XXXX The XXXX  asked me to see a different dr. ( Long story ), So the company issued me a refund check. I deposited the check into my personal checking account. The money was then taken back out of my account by chase 2 days later. I called chase and asked them what happened, and they said they could not verify the check. So they closed my personal account down as well. I also have 3 other business accounts with chase, so that messed up all of my accounting as well. Anyways, I went into the chase branch and the Manger tried to help me and contacted the manager. The manger was abke to verify the check. However, chase said there was a certain phone number that needs to called to verify it. I called XXXX XXXX  and they said they had no problem with anyone cashing their checks and that it is verifiable and they don't know the phone number that chase is calling to verify it. I called chase back and they said the number they are calling ends in XXXX, but that it has to be the owner that they have to speak to. So like the owner of a large corporation is going to give their personal phone number out. So I called XXXX XXXXs back and they said that was their old corporate #. They said that the money was taken out of their bank and cashed and so it is out of their hands. They said that I must already have the money and be lying to them. Chase said that It is their policy to not give the money back and that they can keep the money until the check can be verified. However chase is lying because it can be verified if they call the XXXX XXXX customer service phone number or any other number listed on XXXX for that business. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs because it's been about 6 months and chase Still has my money. This is theft. This is morally wrong. They verifying department at chase sounds like they are from XXXX and they sound like they are the ones that are scammers. Then they told me that XXXX XXXX can ask to recall the check back but XXXX XXXX told me they will not do that because they think I already cashed the check. They don't believe me. So I'm stuck.
Consumer complaint received 2022-10-03
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
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: Nelnet, Inc. (NY)

Nelnet is on a cease and desist and they keep contacting me via phone and mail. I spoke to an account manager yesterday and she said that's it's the law to reach out to me. I told her she is in violation of my consumer rights she said not she is not she that the telephone consumer protection act gives them right to break and violate 15 usc 1692c ( c ). I am looking to fill federal charges on nelnet and the department of education.
Consumer complaint received 2022-11-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$740.00}.
Consumer complaint received 2022-11-14
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

I am writing to inform you all that this is not my debt. I am a victim of fraud against my XXXX XXXX I have lived where I am now for more than a XXXX  and can provide proof however based upon this debt collector they told me I tried getting a application for an apartment in XXXX XXXX  for {$270.00} XXXXs I have never lived nor visited XXXXXXXX XXXX in my entire life. This company is causing, me XXXX  and nearly had a XXXX XXXX the way the representative spoke with me on the phone when I tried advising her I did not accumulate this debt. Unless there is a statement that show my name, address, email ( XXXX ) and signature " handwritten '' not electronically as anyone can sign a name via web this must be deleted or my next step is a higher authority. 

Company name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-11
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: Experian Information Solutions Inc. (CA)

In   XX/XX/XXXX  I re viewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    balan ce. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and   XXXX   and Experian verified the account.  XXXX  stopped reporting the account.   XXXX   and Experian referred me to  XXXX . On   XX/XX/XXXX  I wro te my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have s ent two other letters, ( one  on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) sta ting that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters.   XXXX   and Experian continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to cease  all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. Si nce this is now my  4th le tter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to t he C.F.P.B., wh at are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
Consumer complaint received 2022-11-14
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. (FL)

XX/XX/XXXX {$250.00XXXX XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing ob my report I called XXXX and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 01/31.2022 {$170.00} I informed XXXX that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against XXXX if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

I have a new collections account showing on my credit report that should not be there as I have no knowledge who the account belongs to as my name is XXXX XXXX and the account is under XXXX XXXX. I have received a collection letter in the mail and asked for verification and the letter I recieved in return stated that it is for XXXX XXXX XXXX when all of my XXXX XXXX XXXX accounts are up to date and active listed under my name XXXX XXXX. This account should be removed as I have no prior knowledge as to how an account can even be opened under a name that isnt showing on my license or ID. The company has been extremely unresponsive when it comes to correcting this matter as the letter I sent asking for validation was not a true debt validation letter.