davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (NC)

A couple months ago the company listed in the attached letter sent me a collection letter. I recognized the alleged debtor but based on my records I had return all the equipment related to that account and no debt was due. Since I had not been notified of the debt before I sent a letter requesting a verification of the debt, and instead I received a collection letter asking me for payment but no validation of the debt. I have requested validation of the debt three times but I get no response. To this day they have not responded to my requests. In addition, the company is not legally authorized to collect debts in North Carolina.
Consumer complaint received 2021-09-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft PORTFOLIO Account Number : XXXX-XXXX**** This is not mine. 

19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft Account Number : XXXX This is not mine. 

22. Identity Theft Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am resubmitting a complaint today to inform you once more that I have fallen victim to identity theft. I revisited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Please find the ATTACHED documents to facilitate the removal of erroneous information posted to my report. Here is the list of items that do not belong to me or were opened without my permission : -- -- -- -- -- EXPERIAN : 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 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 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 XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, Experian or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), Experian is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX resort group ( opened XX/XX/XXXX ). I never authorized and or gave Experian or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact Experian, XXXX or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My sister and I co-own a house which we rent. I started the application process for a savings account with Everbank. This was a joint account. My sister and I have different domicile addresses. The application did not allow for me to put in an additional ( her ) address. 

Everbank requested proof of her address. She provided proof of her address via an email attachment of her driver 's license image. They stated she need to provide proof of the address that was used for the application ( my address ). She explained to them that this was a joint account between siblings with different addresses and would that be a problem. 

The next correspondence she received from the application processing center was that the application was being cancelled. That was over a 30 day period. During that period, my sister had created her own Everbank login with access to the account. 

During that 30 day period, I moved all the money from our existing checking account ( XXXX XXXX  ) to Everbank. This was done apparently while the application was still not approved. Then I received an email on XX/XX/2024 that the application was being cancelled due to missing information. This is a catch-22. There is no way my sister could provide proof that she lives at my address because she does not. That was the point of the joint account with different addresses. 

I spoke to a supervisor at Everbank who assured me that it was possible to open a joint account where the account holders have different addresses. Based on my experience, that is not the case. 

I received no communication about what the disposition was for the funds that were in our Everbank savings account. I had to call and ask. That is beyond unacceptable. If they are going to close an account with funds in it, they must specify what will happen to those funds and when that will happen.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Around XXXX I got a credit card from capitol one with a {$400.00} limit. I used the card to its limit and later we could not pay the payments any longer. the bill ran up to {$1200.00} in their fees i count not pay that so after 6 years they contacted me in XXXX to make a deal of paying half the bill and they would forgive the rest. I agreed and paid {$620.00} to get rid of the debt but they did not forgive the rest they reported the other half of the debt and it started over on my credit for another 7 years. They have been reporting on my credit for over 10 years now for a credit card! yes the debt was my responsibility i was young and going through tough times. I think its wrong of them to call and make a verbal agreement with me to try and resolve a debt then do the opposite of what they agreed on.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2021-11-04
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. (PA)

I have reviewed my credit report and have found several inquires that I did not authorize. i understand that anything on my report needs to be authorized by me to report otherwise it is identity theft.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NV)

My mortgage company, Homebridege Financial Services , Inc. ( HFS ), claimed to pay my home insurance renewal fee to XXXX XXXX XXXX ( XXXX ) .The fee was {$830.00} and HFS claims to have paid the full amount of {$830.00} on XX/XX/2021. XXXX claims they received a payment from HFS of {$590.00} on XX/XX/2021. XXXX claims that there is a policy balance of {$230.00} and that I must pay for it since HFS did not. I have contacted both HFS and XXXX on several occasions to sort things out. Their accounts remain the same : HFS claims they paid {$830.00} ( the full amount ) to XXXX while XXXX claims that HFS only paid XXXX {$590.00} and that I owe the {$230.00} balance. Both companies have paperwork that backs up their respective claims.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

ever sense my bank sold my account to this company its been a nightmare first for the first year I had no idea where to send my payments they where sending my letters to wrong address and had my phone number in there system off by one digit when I try sending my payments no such account existed when I finally found my account i owed them a bunch a late fees I brought my account up to date in XX/XX/XXXX and I started paying an extra {$300.00} toward my 2nd mortgage in XX/XX/XXXX it is automatically withdrawn from my bank account the payment is {$680.00} monthly {$380.00} for my regular payment and extra {$300.00} for principal the company has withdrawn the money and my extra principal is not being applied correctly its shows a unapplied funds moving forward from first contact with company back in XXXX my funds are still not being applied to my principal and now they saying I owe for the month of XXXX and XXXX payments where are my extra XXXX XXXX monthly payments I'm paying this company going I've been patient and called numerous times and keep getting same response for months now that they are working on it and that their cashiers department is aware of the issue so unprofessional and by what I've read on the XXXX  I'm not the only one having this issue with payments not being applied correctly and charging outrageous fees they need to be investigated we have been trying so hard during this pandemic to stay on path with our payments and companies like this thrive off our hard earn money.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I once had XXXX Capitol one credit cards. XXXX for XXXX and XXXX for XXXX. I XXXX an during my XXXX I missed a payment on the lower card. I called them immediately and they understood completely. I paid the card off on the phone and closed it. In return Capitol one removed the negative from my XXXX and my XXXX credit report, but left it on the XXXX. I called and ask that they remove it and they refuse. According to the law if they remove it from one they must remove it from all.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (FL)

Left NY state for good as of XX/XX/2020. Contacted my cable provider numerous times about termination od service. Due to COVID shut down it was impossible to get in touch but after numerous emails and phone calls in XX/XX/2020 someone did contact me and confirmed service was terminated. I received attempts from other creditors and now convergent is the latest.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Bank of America card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by bank of america, then I filed a police report and my claim was denied again. Now I am filing a complaint here.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXBalance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted a complaint about Equifax. 
complaint I.D XXXX and mailed a certified letter to equifax indicating for them to remove the extended fraud alert from XXXX report as I never requested to have one placed. 

I received a letter from Equifax indicating that there are no alerts on my report, however, this is incorrect, please see attached file from XXXX  of credit report pulle XXXX  XXXX indicating there 'file status : extended fraud alert '' Please remove extended fraud alert immediately yo avoid legal action.This is the second request and it is being documented as well as the first one, which was sent via certified mail. 

Thank you.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (VA)

They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ( Original Creditor : MONTHLY PAYMENT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I was informed my by Chime that will be closing my account and I won't have access to my money and wont be refunded my money. I set chime as my listed account to receive my federal tax and state taxes from XXXX. The funds were received XX/XX/XXXX and Chime closed my account on XX/XX/XXXX mid day. I sent an email to XXXX and they asked for information in return and I sent them everything they asked but I have not heard anything back and have been sending documents to help them open my account back up. 

They don't take my calls and only send me automated emails back. I have shared very sensitive information with them that only I would have access to, even a photo of myself and my ID and the date and time. An everytime they request information I give them exactly what they ask for but they have stopped communicating with me.
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (LA)

My identification was taken to fraudulently open a car loan through Credit Acceptance. I did not sign or authorize anyone to do this. Ive tried to dispute with them but they offer no resolution. I was informed the person who opened the account fraudulently called to take full responsibility and yet no resolution. I am not liable or responsible for someone taking and making copies of my information and signing my name without consent to get a car loan. I have disputed this serval times. This happened in XXXX XXXX. Credit Acceptance has not done anything to rectify this matter. I didnt sign to be a joint person on no ones account therefore I should not be held accountable for this.
Consumer complaint received 2015-11-16
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Regional Management Corporation (TX)

I continually receive offer letters that include a " loan check '' for $ XXXX {$5000.00} from Regional Finance Corporation of Texas XXXX These letters are unsolicited and include a " check '' that could easily be deposited by anyone claiming to be me. 

These " loan checks '' are charging a XXXX % APR with a mandatory $ XXXX XXXX time fee ' and are incredibly shady about the terms of the loan.
Consumer complaint received 2022-09-30
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: ALLY FINANCIAL INC. (WI)

I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from XXXX XXXX, XXXX, XXXXXXXX ally, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than EQUIFAX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES