davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I never signed any paperwork, anything on a devise or verbally agree with anything. I do not have the product that was supposedly sold to me. All my information was filled out by an agent with some company and I did not acknowledge the loan she was creating in my name. I have attempted to reach out and cancel it through the loan company and they have done nothing even after saying they will multiple times. I have also disputed it with all 3 credit bureaus and only XXXX has taken it off. The other two keep saying it was verified and updated. I am a victim of fraud.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Southwest Recovery Services, Inc. (TN)

Closed a account # XXXX with XXXX XXXX XXXX for a credit card machine used in my medical Practice on XX/XX/XXXX. XXXX XXXX returned on XX/XX/XXXX to the company. Invoices had been paid up until that point by automatic bank withdraw from the medical practice business account at XXXX Bank, XXXX XXXX, KY. We were never contacted by XXXX XXXX XXXX XXXX any outstanding balance. 

In XXXX I was contacted by Southwest Recovery services about an outstanding balance, I sent copies of the XXXX shipping receipt to Southwest Recovery on XX/XX/XXXX. Asked about specifics on how I had accrued a balance and i was sent some invoices issued AFTER I had returned the machine in XX/XX/XXXX which At some point in XXXX I was reported to credit agencies and my credit score has dropped about XXXX points. 

Contacted XXXX XXXX XXXX and the accounting department would not talk to me. 
Contacted again Southwest Recovery and spoke with a different person asking for explanations, the only response that I got consist again of copies of invoices ( 2 different format sent by separate emails ) issued by XXXX XXXX XXXX AFTER the account had been closed and AFTER the credit card terminal had been returned with an appropriate XXXX number.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 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 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

On XX/XX/2019 I called to inquire about services. The agent was pushy and tricky on the call. I was held up for approximately 30 minutes and needed to go. He was pressuring me to agree to documents I hadn't read. I wasn't in agreement, and won't and don't agree to that. I was also charged XXXX. Then today on XX/XX/2019 I received another forceful email pressuring me to agree online. I still don't. They keep telling me on the phone that I must consent to the agreement in writing before they can or will help me.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cadillac Accounts Receivable Management (MI)

Company Cadillac Accounts Receivable text me concerning an alleged debt. I do not know are ever done business with the company. I have attached a letter for the company to validate the alleged debt within 30 days from XX/XX/2021 per Fair Debt Collection Practice Act.
Consumer complaint received 2022-04-25
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. (MS)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, Account # XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 listed late payment
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc. (AZ)

CBCS, a debt collection agency stated there is a balance of {$80.00} for XX/XX/18 which was paid. The creditor XXXX XXXX XXXX received {$80.00} for ER admission fee for 4 visits made XX/XX/2018 thru XXXX, 2018. Payments for the {$80.00} co-payments ER Admission fee payment was made {$40.00} on admission date and {$40.00} payment later with my debit card or check. XXXX XXXX XXXX Payment Summary for Account XXXX don't show any outstanding balance. A copy of XXXX XXXX XXXX Payment Summary was sent via fax to CBCS for their records, but CBCS insists there is a balance of {$80.00} which I don't agree is an outstanding debt.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-27
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00}.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-18
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. (MI)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Experian. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Experian   to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2024-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Subject : Urgent Assistance Needed to Address Unreasonable Mortgage Terms from Select Portfolio Servicing Dear CFPB, I am writing to seek guidance on how to address an extremely distressing situation involving Select Portfolio Servicing ( SPS ), which has placed me in a financially unsustainable position regarding my mortgage payments. 
As a senior citizen, I have endured significant health challenges over the last XXXX years, resulting in severe financial hardship and arrears on my mortgage. Despite this, SPS has imposed an overwhelming payment structure on me, demanding monthly payments of {$10000.00} starting on XX/XX/2024, for XXXX consecutive months. This figure is nearly equal to my total monthly income, leaving me with no room to cover basic living expenses. 
SPS is fully aware of my financial situation, having reviewed my income, yet they have refused my repeated requests to extend the repayment plan to XXXX or XXXX  months. Their refusal to provide any flexibility is not only unreasonable but feels like a deliberate attempt to set me up for failure. Given that my income is only slightly above the required monthly payment, this aggressive plan makes it virtually impossible for me to succeed, ensuring that I will fall further behind despite my best efforts. 
I have come to understand that SPS has a troubling history of mistreatment and abuse toward its customers, particularly those who are most vulnerable. My experience appears to be part of a broader pattern of practices that exploit struggling homeowners, refusing to offer any meaningful solutions while pushing them closer to foreclosure. 
I am seeking advice on the legal remedies available to challenge these unfair terms and to compel SPS to offer a more realistic repayment structure that takes into account my financial limitations. I believe their actions may be predatory and in violation of certain consumer protection laws. I would deeply appreciate your guidance on what steps can be taken to protect my home and secure a payment plan that is financially viable. 
Thank you for your time and attention to this urgent matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 




Collection Account with Original Lender XXXX XXXX XXXX is currently being handled by an out of state debt collection agency by the name of National Credit System whose address is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my Transunion and XXXX credit reports.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (SC)

Lease ended XX/XX/XXXX. All monthly lease charges have been paid. GM Financial sent a past due notice of {$1700.00} on XX/XX/XXXX without any invoice, details, or support of the charges. I talked with a Customer Service Rep and asked for the info. I sent a note on XX/XX/XXXX asking for the invoice. No invoice was received. GM sent another past due on XX/XX/XXXX again without any description of what this charge was for. On XX/XX/XXXX I sent a note asking for this info. GM did not respond or send the info I requested. Now they have reported my account as delinquent to the credit bureaus impacting my credit.
Consumer complaint received 2022-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 I purchased a service from the company XXXX XXXX XXXX XXXX XXXX. The service I puchased was the installing of two new ceiling fans and electrical wiring through the attic needed for the fans to operate correctly. The total cost of the service was {$500.00} plus tax and a total charge of {$510.00} was billed to my Capitalone Credit card with numbers ending in XXXX. 

XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX came out to my condo and installed the two fans. Both fans were brand new in the box and both were tested to make sure they worked perfectly before they were installed. However, I discovered on the same day that he completed the job after he left my condo that only one of the fans was working properly. I contacted him numerous times through the XXXX messaging service which was the platform I used to hire him from asking him to either refund me for the fan which wasn't working or come back to fix the issue. XXXX XXXX refused to give a refund and also refused to come back. I attempted to resolve the issue through the XXXX dispute resolution process and XXXX was unable to resolve the issue and persuade XXXX XXXX XXXX  XXXX Services to either return to my unit to fix the wiring or give me a refund. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for one half ( {$250.00} ) of the {$510.00} charge since XXXX XXXX XXXX  XXXX XXXX only installed one of the two fans correctly and they were paid to install two fans. I will now need to hire an electrician and spend more money to correct the mistakes made by XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ Data International charged me 700 % of what I actually owed my old apartment. In XX/XX/XXXX, my old apartment XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX CA XXXX sent us an eviction notice in retaliation to our complain about their city code violation where they simply painted over black moles after our apartment was flooded by upstairs ( as a result my entire family contracted bronchitis ). We moved out 2 weeks after the notice and we really owed them 2 weeks of rent which was approximately {$1000.00}. On top of not giving back us our deposit, the apartment sold the collection to IQ Data International and they demanded {$6000.00} until end of XXXX and after hearing that I would compliant to consumer bureau if they did not give me an itemized deduction of the {$6000.00} they wanted, they raised the collection to {$7000.00}. IQ Data International is a criminal organization engage in robbery.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 


Delete these fraudulent items.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I see no changes for what I filed last monyh, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I did not receive a statement from Comenity Bank for my payment on XXXX  XXXX. I have always received a statement and have always paid my bill on time for years. My payment was due on XXXX and I missed it because of no statement was received. I did not receive a phone call or email from them about my late payment until 10 days later, today. I looked at my account and realized I never received a statement and they charged me a {$27.00} late fee. I made my payment immediately online and called and spoke to Ms. XXXX, a supervisor. She told me they can not credit my account back the late fee since XXXX  XXXX was in bankruptcy. I explained to her Comenity Bank is not in bankruptcy, therefore they should be able to reverse the fee. She lectured me on the mail service, how it works and it is not their fault the post master did not deliver my mail. I did explain I have received all my other bills just fine ... again a lecture about the post masters. She was very rude, condescending and spoke to me as if I was a child. I believe during Covid Comenity Bank should make exceptions due to financial problems for all Americans.