davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

IC Systems has violated 809 ( a ) of the FDCPA, in that the company identified has failed to provide written notice of alleged debt or the contents surrounding the alleged debt. The alleged debt just showed up on my credit report without prior notice. IC Systems did not attempt to contact me prior to reporting this alleged debt as a collection to the credit bureaus. As of this date, XX/XX/2021, IC Systems has not provided any initial communication in connection with this alleged debt. Furthermore, I have never heard of this company, nor have I engaged in any business with IC Systems. IC Systems is attempting to collect and allege debt in the amount of {$150.00}, as indicated on my credit report. IC Systems NEVER once mailed me any information pertaining to this alleged debt. IC Systems has also violated 15 U.S. Code 1692g pertaining to the validation of debts because, as a consumer, I was never given the opportunity to ask for validation of the debt. In addition, IC Systems is also in violation of the 15 U.S. Code 1692c surrounding communication in connection with debt collection which states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I am insisting that this erroneous information not only be removed from the credit report, but my personal information be expunged from all data systems associated with IC Systems. IC Systems is now in violation of the FDPCA and the U.S. Code, they are subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from IC Systems within 10 days. IC Systems should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present IC Systems with legal inconvenience with the FTC and other state and federal agencies.
Consumer complaint received 2020-07-21
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (GA)

To whom it may concern, XXXX XXXX Account number XXXX There is 1 issue with my Mortgage account that XXXX needs to resolve ASAP, I have been trying to resolve this issue over the phone for the last 15 months and nobody has been able to fix this. 

-There are late fees applied to my account on the following statements ( attached ) : -Statement dated XX/XX/2019 ( late fee {$69.00} ) -Statement dated XX/XX/2019 ( late fee {$69.00} ) As of today those fees have not been removed from my account and that needs to be removed immediately, I have never made a late payment, therefore, you can not charge me any late fees, please remove them ASAP. 
Attached is : -Copy of cleared checks/proof of payment for the months of XX/XX/2019 through XX/XX/2019 ( from XXXX XXXX XXXX ) Please fix this issue ASAP. 
Thanks XXXX XXXX cel. XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (UT)

DITECH FINANCIAL is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XX/XX/2018 Ditech went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now Ditech is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.
Consumer complaint received 2022-08-05
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXT XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX*** has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

I have three medical bills of my son XXXX XXXX date of birth XXXX. Bills from XXXX ; XXXX ; XXXX. Insurance company " XXXX XXXX  '' paid this bills full. But collections agency " AR Resources, Inc '' tries to recover money from me again.I have informed collections agency about this many times.
Consumer complaint received 2020-07-20
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. (NJ)

I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Consumer complaint received 2020-07-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

I see multiple 90-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-05-20
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. (TX)

Attempted to obtain my free credit report via equifax and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by Equifax. Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

XXXX is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!
Consumer complaint received 2020-07-20
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)

XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency (FL)

I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. This is also a violation of HIPAA. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. The original creditor if necessary shall also acknowledge the debt to be removed and considered paid in full.
Consumer complaint received 2020-07-20
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. (IL)

I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

On XX/XX/2020, I submitted a CFPB complaint against IC System, Inc for reporting a trade line on my XXXX credit report that does not belong to me. As a result of the complaint, IC System closed the account and deleted the trade line from my credit report. Once again, IC System is reporting the exact same trade line on my XXXX credit report. I have attached the company 's response to my first complaint.
Consumer complaint received 2022-07-27
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. (AZ)

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (IA)

The State of Iowa has an inferior system for people to apply for unemployment benefits. They do NOT require two-factor authentication or validation that the individual applying for benefits is truly who they claim to be. 

Additionally, prior to complete approval and validation, the state of Iowa contracts with US Bank to automatically issue a Reliacard on behalf of the fraudster. In this case, both the state of Iowa and US Bank are responsible for issuing a card for an account/individual who used my information WITHOUT confirming that it was in fact me AND AFTER I had spoken with a fraud investigator with the state of Iowa. 

Additionally, US Bank 's phone number listed on the Reliacard does NOT handle any complaints or fraud issues, despite their website stating it does. Additionally, US Bank offers NO automated prompt to find a live individual, instead requires that you input already breached or inaccurate data to discuss. 

Finally, only through their website, does US Bank allow the victim ( me ) to submit a claim to close the invalidly issued card and sends NO confirmation that said card and account have been closed. Likewise, there is not remediation with US Bank to ensure they will NOT act in a similar fashion at the behest of the State of Iowa, should someone once again attempt to use my data to receive unemployment benefits.
Consumer complaint received 2020-07-20
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: HANCOCK WHITNEY BANK (LA)

On XX/XX/2020, my Hancock Whitney VISA credit card was charged for {$1100.00} without my permission. This charge was temporarily put on hold but put back on the card when the Dispute Resolution Department sent me a letter saying there was no billing error and I was responsible for the charge. I reported it to the fraud department but they could not help me. I saw that my rewards points on the card indicated a large point withdrawal so I contacted the rewards department and was told that the points were redeemed for an airline ticket or tickets and the balance was put on my credit card. I was told that the ticket was for a XXXX XXXX. I gave the Dispute Resolution Dept this information, but they said there was proof that it was my charge and they would not re-open the case. At no time was I sent a copy of my authorization for this charge, although I requested this each time I i spoke with them, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I don't know what else I can due except hire an attorney. Please help me clear this up.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, XXXX  or Equifax about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OK)

I have been receiving several phone calls over the last two weeks, or so, by an agency that refuses to identify themselves or the purpose of the phone call. I 've answered or returned the phone call on every occasion that they have attempted to contacted me. Today marks roughly the 4th or 5th time they have tried to make contact with me. 

Each time the conversation starts by giving a disclosure that the phone call may be recorded. They ask for me by name and once I confirm that it is in fact who they are speaking with, they proceed into verifying my personal identifiable information. At this point, I always ask who I am speaking with, what the matter is regarding and what the reason for the phone call is. Every time I ask these questions, they respond that it 's concerning a personal matter and that they can only talk to me once they have done their identification process. I have told them every single time they call that I would be happy to confirm my identity if they can answer simple questions about the purpose of the phone call. 

The first few times, they attempted to verify an address that is very dated. The second time they attempted to verify information with my date of birth. The last few times they have attempted to verify me with the last four numbers of my social security number. In any case, they are pushy, persistent and are progressively more rude with each phone call. The last conversation that took place today ( XXXX/XXXX/XXXX ) I told them to stop calling me because I had no business with them if they ca n't tell me who they are. The representative finally identified herself as being part of the CBE Group. I did a quick XXXX search while on the phone and I told them that I had no business with them unless they can identify the reason why they are contacting me. Representative was rude and said that she was trying to resolve a personal matter that relates to me. Vague as it is, I refuse to confirm my identity with someone that ca n't even identify what they are calling about.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I went to wells fargo bank to look into opening a Coogan account ( Blocked Trust account ) since I already have checking and savings accounts there. After they started requesting additional information for internal bank paperwork that i could not provide, I contacted my agent who told me to open an account elsewhere since that information is not a requirement for opening a coogan account. I decided to listen to their advice and told the wells fargo banker I did not want to move forward with opening an account and I declined to sign the authorization paperwork. After I left the bank I recieved a call from the bank manager who verified my reasoning for declining the account and also verified that the account was not opened and only profiles were made for myself and my son. On XX/XX/XXXX I receive an email stating my account balance is XXXX. I checked my wells fargo account and found that they had went ahead and opened an account without my authorization. On XX/XX/XXXX I called customer service and asked them to close the account because it was fraudulently opened. They said that because it was a blocked account and opened under fraudulent circumstances it needed to be investigated and provided me a case number and phone number telling me someone would call within 48 hours of hanging up. I asked if the upcoming Labor day holiday would or would not count towards the 48 hours and the representative told me that while the banks would be closed the investigation office would remain open so to expect a call on XX/XX/XXXX. I did not receive a call on XX/XX/XXXX or the following day so I called on the XXXX and found the person who was assigned my case, XXXX XXXX or XXXX, was on another call and was told that he would call me back after his call. He did not call back that day or the next. So I called again on XX/XX/XXXX and XXXX was apparently in a meeting and would call me back. The representative told me that XXXX had 24 hours to call me back and to wait. He did not call me back the remainder of that day or the next and I told the representative that I would be making a complaint to the CFPB since they opened the account fraudulently AND they were refusing to close the fraudulent and unauthorized account that I did not sign for nor request.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didn't get a response within XXXX  days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DC)

My XXXX payment was credited one day late, and I was charged a {$29.00} late fee and {$53.00} in interest. I mailed a dispute letter to the company on XX/XX/2021. I disputed the charges because I had ordered my payment on time from my bank by ACH as usual, but the credit card issuer refused to accept ACH payment, so the bank had to send a check. This sudden change in terms caused the late payment. Despite my dispute, I paid the ENTIRE balance due on that statement. I never received response to my XX/XX/XXXX letter. Despite my payment of the ENTIRE XXXX statement balance, credited four days prior to the next due date, my XXXX statement included an unexplained additional charge of {$25.00} in interest. I wrote again to the company in a letter posted on XX/XX/XXXX and have again received no response. I paid the balance due on my XXXX statement, deducting only the {$25.00} in interest. Now I have received my XXXX statement, on which I again have been charged {$13.00} in interest without explanation or response of any kind to my letters. My account is not in arrears, and I dispute both the original {$29.00} late fee and the subsequent interest charges.