davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

They called my employer acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (NV)

Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (IL)

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 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Aqua Finance, Inc. (NC)

So for the past XXXX years I have been paying on an auto loan ( for the purchase of my camper ) to XXXX XXXX. At the beginning, I was paying more than what was required on the bill. After some time my bill started showing {$0.00} due but I was still paying. Now XXXX years later, they say I am almost {$2500.00} behind. Come to find out that all those times I was paying extra they were applying directly to interest instead of both interest and principal. With the loan range and interest rate after XXXX years the interest is basically paid for but on my credit report they have reported I have not paid anything in over a year which is hurting my credit. I have all the records to show from them as well as on my side that I have been paying the set amount or more each month but they are not reporting that this has been paid. They are reporting I am only paying interest. My loan agreement does not say anything about any penalty or interest payment if you make more than the regular payment. Based on calculations they are incorrect on it all and I should be ahead by several months. This needs to be fixed immediately. I have spoken to them about fixing this issue as they keep calling wanting payment, when I have been paying. It clearly shows on the report they sent that I have been paying but they keep saying I haven't. You can not take someone's payment and put directly to interest and never pay down the principal. I need this fixed along with my credit immediately.
Consumer complaint received 2020-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.
Consumer complaint received 2023-07-27
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. (AL)

Greetings! This was my fourth complaint to follow up the items for removal that I previously submitted in the date XX/XX/XXXX. May I repeat that under section 605b of the FCRA the XXXX, XXXX and TransUnion Bureaus are required by law to remove any accounts or information which were found to be opened due to identity theft. Again, the disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
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 TRANSUNION 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. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (CA)

I have a monthly recurring charge for {$54.00} for five months now from Google that I never authorized. I have never signed up for anything with google for this amount. I called my credit Card company XXXX XXXX and they said to take it up with Google. I went to call Google which they had no contacts for me to call them. So I did the complaint online like they asked. I could only go back for the last four months. I did the fifth one as a more recent date. My XXXX email received an email from Google regarding they received all my complaints. But when I go online to see the status, Google says completed yet I never received any other Emails or call from them regarding the charges. Please have Google remove all charges {$54.00} for five months that were never authorized by me. Also how did they get My Credit Card number? I never called Google for anything. Thank you.
Consumer complaint received 2021-03-05
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. (TX)

Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation
Consumer complaint received 2023-04-08
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: NAVY FEDERAL CREDIT UNION (FL)

I have already provided NFCU legal documents and they are still giving me reasons why I am considering taking them to Court like I have other Banking institutions and they settled. This account is fraudulent my previous roommate who came to stay with me from XXXX confessed to opening, using accounts, and she said that she did it after moving out. She had the mailbox key and would give me mail and withheld the accounts open up fraudulent. Yes NFCU is not doing anything because payments were made. Payments were made so I would have not noticed if I needed credit.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (ND)

I am move out of new York almost XXXX. And I do have chase bank XXXX at new York. also on XX/XX/XXXX I ask my dad help me deposit 2000 dollars to my Checking account. Then XX/XX/XXXX I want to transfer 2000 dollars to my XXXX XXXX bank of ND. I found out someone withdraw {$900.00} twice times without my ID and Bank PIN in the New York Chase bank branch
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting 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
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX - XXXX I acquired a medical credit card to have some medical procedures done. With a debt of about 5,000. I was later unable to pay back the debt after a year or so from opening the account. Since I was unable to pay due to lack of work and as time had moved on, I had not heard from this company in almost twenty years ( 20 years ). 

This past week on XX/XX/XXXX, I received a " Notice of Garnishment '' from my employer stating a company, Midland Funding LLC based in XXXX XXXX CA was taking action to garnish my wages to a total of {$9000.00}. I was surprised and very concerned as I had never worked with, spoken to or ever had any agreement with Midland Funding so I was not sure why and how this garnishment came to be. 

The debt they are collecting is twenty ( 20 ) years old and I have never spoken to this company or agreed to pay them anything. I am very concerned as to how they received this judgement without notifying me ( service of complaint ) giving me the opportunity to defend my rights in court. In addition, they filed this complaint in Small Claims located in XXXX CA which is 40 miles away from my work and home. 

My complaint is how this company managed to obtain a judgment without my knowledge, Midland Funding has never provided any proof of my debt from original company therefore I do not every know why they are collecting on a debt I do not owe them as I have never done any business, nor spoken to anyone or agreed to pay any funds to Midland Funding. 

This debt is twenty years old and has exceeded the Statute of limitation so I want to know how this is legal as I have not been given any opportunities to defend my right s as a consumer and know this company has violated many codes of conduct and collection practices and laws. Midland Funding has obtained this order under false pretenses, unlawful conduct and practices and should not be able to conduct business in this matter. Since the prescribed time permitted by law has passed this should have never been filed in court as per the rules set forth by our legislative body. In addition, this was filed in small claims court but yet Midland is being represented by multiple attorneys. You can not file in small claims with representation as it leaves the defense to a disadvantage as the defendant would not have an attorney present due to the small claims rules of " no attorneys ''. Also, no claimant ( natural person or legal entity ) may file more than two small claims court actions for more than {$2500.00} anywhere in the state during any calendar year which Midland funding has therefore is violating California rules of court ( Small Claims ).
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL DEBT ME Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (SC)

I was told that during the time of paying the Debt off with Midland Collections they were going to delete the collections account off of my Credit Report by the months end of the final payment. After contacting them today on XXXX XXXX 2021, the representative stated they were not going to do so until 2 years from the day they received the account through collections. I was never disclosed that they do this over a 2 year period for deleting the account from my reports and never received any information pertaining to that for Midland. I thought it would delete as originally stated which was 30 days from the final debt payment and not what I was told today. 

The last payment was sent to Midland on XX/XX/XXXX for an amount of {$85.00} and total amount of XXXX. With this last payment I should have had this removed as promised by no later than XXXX XXXX, 2021 but instead after talking with them today this was falsely promised and now I am told a totally different thing which is unfortunately effecting my report when I am trying to get a mortgage for my first home.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc. (MN)

Received first letter from XXXX XXXX XXXX dated XX/XX/2020 requesting payment for a debt from original Creditor : XXXX XXXX For the amount of {$1600.00}. this is not my debt and I have had no contact with XXXX. I then sent within 30 days a letter to them stating that this is not my debt. # 1-I asked for full name and mailing address from the original creditor for alleged debt. # 2-i request documentation showing you have information that i am responsible for this debt. # 3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XX/XX/2020 from a second agency Emergent services for a second attempt to collect on the debt from XXXX XXXX. in the amount of {$1600.00}. I sent a second letter to Emergent within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/2020 I received a letter from the Emergent Compliance program manager which included a copy of the XXXX XXXX RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Jefferson Capital LLC/ Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received an email a few weeks ago congratulating me for opening a new TD bank checking account. I reported the email to their claims department and heard nothing back. I kept receiving emails about my new account, and I finally called TD bank when I did not get responses to my concerned emails. I spoke with TD banks fraud department and they told me I am a victim of identity theft and need to file a complaint because my social security number has been compromised. They said they would be closing all accounts on their end but now I am very concerned about my information being stolen or used.
Consumer complaint received 2021-03-26
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: Experian Information Solutions Inc. (FL)

Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  Account Number : XXXX  XXXX days late in XXXX XXXX 2. XXXX Account Number : XXXX  XXXX days late in XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-08-22
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. (MO)

I am submitting this CFPB Complaint in response to the current evaluation presented by the Credit Rerporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 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 Owed : {$12000.00} XXXX XXXX  Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX