davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.
Consumer complaint received 2019-12-15
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: Experian Information Solutions Inc. (CT)

The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX, Experian and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2019-12-15
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. (CT)

The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX XXXX and Transunion so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX  ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (NC)

This problem with Equifax has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over XXXX  days must be removed. By this incorrect information staying on my report i a paying XXXX % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MT)

I put a security freeze on my credit via XXXX while I was an XXXX consumer. I removed the freeze to provide my credit history to a prospective landlord. Experian also apparently put a security freeze on my credit. However, I am unable to reach a human being or use the website to remove the freeze.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WY)

Elan Financial Services closed my account because, as they claimed, they sent me a letter asking for information and I did not respond. 

I never received that letter. 

As a result, they closed my account and forfeited all rewords points.
Consumer complaint received 2024-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

I have a medical bill that is not mine and I need to get it off of my credit report XXXX balance is XXXX dollars Company is Wakefield Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 1692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX or Experian report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (OH)

The company that sold the vehicle, sold a lemon. The vehicle was unable to be driven after 23 days of possession. That is why there is such a high loan balance due after repossession. I was unaware that I was a legal co-signer, I thought I was a reference at the time I signed the co-sign paperwork. The individual summarized the paperwork and had me to sign it. I didn't realize I was a cosigner until it was on my credit report. During the repossession process I was never made aware of any delinquencies or given a chance to assume the loan and pay it off. Now, I am trying to make payment arrangements for a repossessed vehicle that wasn't mine and they are giving me a hard time. My wife called three times and they refuse to give us information or make payment arrangements for the remaining balance. She called three times today, the XX/XX/XXXX, and each time they ask to speak with both me and the person I co-signed for and I keep explaining that is not possible. The person I co signed for doesn't want to pay the balance because it was a lemon.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX a XXXX  hacked into my son 's Regions Bank accounts utilizing his online account information and stole XXXX. To gain access using an unfamiliar terminal, the XXXX was able to hack the Regions Bank database in some manner and retrieve security passwords. The XXXX   then transferred funds ( XXXX ) from  my son 's savings account into my son 's checking account and utilized XXXX ( a service never before ( or after ) used by my son ) to transfer funds to themselves ( name on transfer was XXXX XXXX ). Luckily, my son became aware of the theft and immediately ( on the evening of XX/XX/XXXX ) locked his account ( presumably preventing the remaining XXXX from being transferred ). The next day ( XX/XX/XXXX ), my son went into a local branch of Regions Bank and filed a claim for breach of the accounts. He also filed a claim with the XXXX ( AL ) city police department. After multiple attempts and denials from Regions Bank stating that they did not find any action of theft despite recognizing the method of withdrawal ( XXXX ) had never been utilized before, we are seeking alternative assistance to recover. Clearly based on the facts as presented and relayed to Regions Bank, this theft was not the action of the account holder.
Consumer complaint received 2019-07-31
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2019-07-30
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: CL Holdings LLC (AZ)

I tried so many time to contact XXXX regarding this billing XXXX/XXXX. I always took a one hour lunch and spent it days on end on hold with XXXX. I could never get anyone to come on line. The only response is automations encouraging you to wait. My simple question was how did my billing get to be so expensive, and I was suspecting there was some form of fraud. After I had finished my term for the job I decided to wait all day to talk to someone no matter what or how long it took. I was told there were movie rentals which I did not give approval for, but still no one could have a bill that large from movies. I ask the representative to send me the billings for the past months so that I could see detailed information. So finally I did get a billing with only dates and dollar amount with no explanations as to what the charges were for. I was discouraged and sad that I had to give up XXXX. Within the next few months I began checking my credit reports only to find that XXXX had written off the billing as a Charge Off. I was relieved and truthfully at my age I would probably be dead before the bill was paid. So it was written off and I believed that to be true because it was on the credit reports. I do understand collections and know that some old billings do get sold for maybe XXXX cents and a new collector like this one is trying to collect. If it is written off then I am not obligated. However if I should every win the lottery then I will pay anything I owe off in a heartbeat. I am not happy about this interruption and will be going through my old credit reports to look for the Charge Off. I think someone needs to do their homework.
Consumer complaint received 2019-07-31
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. (MO)

I been a victim of not only Equifax data breach but I also lost my wallet with all my information some time again. Now looking at my credit file I see unknown accounts inwhich I'm asking to be removed. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX  XXXX  {$14.00}
Consumer complaint received 2019-07-30
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. (TX)

i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (TX)

I spoke to Credit Corp back on XX/XX/XXXX and asked to cease and desist Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe.

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Attorney Generals office.

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. 

They stoped how ever on XX/XX/XXXX they continued. I will now fill a lawsuit against them for harassment and now demand XXXX per phone call made to me after asking them to cease and desist which is over 50 calls
Consumer complaint received 2019-12-15
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. (IN)

On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that XXXX XXXX, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include XXXX  and Equifax via United States Mail that XXXX was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. XXXX XXXX filed another claim XX/XX/2019 now I am 120 days behind. XXXX, XXXX  and Equifax continue allowing XXXX XXXX a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. Additionally, I previously filed a CFPB complaint on XX/XX/XXXX in regards to the accounts that were supposed to have been removed and only 3 accounts have been removed. The one remaining account XXXX on my credit report continues to negatively affect me and I have never received adequate validation that the debt is mine nor that it was never paid by Medicaid/insurance. I do not believe the account belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.
Consumer complaint received 2019-07-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Freedom has been mailing statements and all communications to the wrong address. 

When I called to get this error resolved, there was no explanation or apology - it just took a long time to find out that 5 months of information has been sent to the incorrect address. When I asked if they received anything from the post office stating it was the incorrect address ( the address they were using isn't an existing address ) he looked back and saw where they had been notified of the returned mail, but that no one had done anything about it to correct the error. 

At the end of the conversation I asked for my updated address to be confirmed - the representative read " XXXX  '' instead of " XXXX '' so I pressed further. He made the correction but said someone else must have done it since he only changed the numbers - when I asked if it was even likely someone would have edited my information to add an errant " r '' he said it was possible. " XXXX  '' was not on the mail I eventually received, even with the incorrect house number, so either someone is randomly editing account information in the system or they don't seem to take much care on accurate servicing information. 

After all of that - no apology from the representative of Freedom.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a call from a cell phone XXXX claiming to she had a notice to deliver to me she told me to call this other number before she tries to serve me. She gave XXXX with a case number. So I called the number & talked to a rude man who told me I was a thief. When I asked him to explain debt he explained some bogus loan that I have no idea about. All my information has been used before to open accounts that I have not opened. I told him I would complete an affadavit, he stated all I owed them was XXXX, they could sue me for 5 times that amount, so I needed to retain counsel. I told him I was not going to be strong holded by him.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX -- SPS is  refusing to review its borrower for a short sale. This is a violation of servicing guidelines, which guarantee the borrowers right to pursue alternatives to foreclosure. 

-- -- SPS has claimed that XXXX made this decision. However after conversations with XXXX we have found this to not be true, and they recommend we ask SPS to actually read the guidelines sent to them. Please understand we have closed thousands of short sales and have management connections in all major lenders within the unites states This is not the first time that we have had SPS erroneously read a new set of servicing guidelines and come to an inaccurate conclusion as to the instructions within those guidelines.. This isnt even the first time this has happened this year. 


CC : Office of the Attorney General
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

Switched Internet/phone service to another company and had paid my bill for the last month of service. Had nothing but problems with their billing department making promises from retention department to keep my business only to call back and find there would be no record of these promises in their sysyem. They said they always charge a month in advance and I informed them I was switching and still got sent a bill. I returned all equipment including remotes in the time frame requested and do.not owe them a thing. XXXX  has already DELETED this from my report.
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number:XXXX Collector : SYNCB Original Creditor : WALMART Status XXXX Unpaid Balance Amount : {$200.00}
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged XXXX