davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Texas Auto Credit, Inc. (NY)

Hi my name is XXXX XXXX and this is my second complaint my car was repossessed on XX/XX/2021 at XXXX in front of the homeless shelter that my family and I stay. When I found out about the repossession I was told that I could not get my vehicle back even when offered to pay the full balance. First Texas Auto Credit has not made any adjustments to help with payment my family and I. I have mailed them affidavit of their violations. And they still repossessed my vehicle, Even MrXXXX XXXX XXXX one of their reps XXXX was very rude even sighting that we are homeless and I dont know nothing about this business. Their actions is atrocious and unprofessional, because the same position that my family is in due the current pandemic can also happen to him Mr. XXXX. I am demanding my vehicle back, with the title because First Texas Auto Credit has made several violations according to XXXX. And cause major pain and suffering to my family and I.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

In XXXX 2020, I first requested XXXX XXXX XXXX to address service problems, they transferred me to 2nd level C.S. Which wasa hangup. 
In XX/XX/XXXX, I ( after dozen hours spent in their poor C.S. conduct ), again came 2nd level solutions ignoring my service inadequacies, and hungup. 
I had no method to quit, no party would entertain nor process my departure, which appears to be the way their business design at XXXX XXXX XXXX is built. I informed them in two, non-ignorable ways - char session and survey in XXXX AND I ceased ALL usage of their home/mobile/both services and equipment! No usage at all past late XXXX. 
They provided no label, address nor recognition of my departure nor notice and after countless hours, consumers should not be bullied ignored nor designed out of quitting! 
With no option, i dropped their years old router at their door on XXXX  XXXX, XXXX XXXX FL. 
They kept billing usage and fres into XXXX then ignore written notices of above and came up with some made up fee equipment which isnt valid. 
Then it got worse. Years of harassment, multiple calls per day, then it was a imvalid pursuit transferred to firm 2 then to firm 3 the one that posts the inaccurate credit mark on my record, CREDENCE RESOURCE MANA {$470.00} For : XXXX XXXX XXXX I have informed FTC of these practices against consumers ; I am informing CFPB and I will continue to XXXX and more. They are requested to be informed by your agency to cease, to recognize erroneous info. from XXXX XXXX XXXX, to negate and fully clear any dispute to XXXX reflecting no such unpaid amount, no collections $ due, and for all parties from XXXX XXXX XXXX to CRM to not contact me nor hold any attempt to in any way no contact!
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, my credit score was over XXXX. I have a perfect payment history, no credit card debt, have not opened new accounts or missed a payment. In fact, the only real activity for all of XXXX was that my average age of accounts got 1 month longer. On XX/XX/XXXX, Experian lowered my credit score XXXX points for no reason. I am now below XXXX. There is nothing in my financial activities in XXXX that would warrant a XXXX point drop. They will not let you speak to anyone on the phone about this fraud. They make sure that they are unavailable to discuss their misconduct. This change may increase my cost of borrowing at a time when interest rates are already going up. Experian makes money sharing my credit score with third-parties. Knowingly sharing inaccurate information is also slander.
Consumer complaint received 2021-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Equifax did not conduct a thorough investigation of the account XXXX XXXX that is listed on my credit report. I have requested several times for Equifax to provide the evidence including documentation and who they spoke to about this account to determine that it is valid and reporting correctly, but they failed to respond. I have also sent 2 letters requesting validation of debt to XXXX XXXX since XX/XX/2021 and they failed to respond. This is a violation of my rights. Please see attached for the 2 letters sent to XXXX XXXX.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: US Best Credit Solutions, Inc. (TX)

I signed up with US BEST CREDIT XXXX  in XXXX of XXXX. They promised my credit score would be high enough to get me into a home by XXXX. Well XXXX comes and I apply for a mortgage and am denied stating my credit is no where near where it should be to qualify for a home. I made two payments to US BEST and then a lump sum for the remaining of the balance. My personal information has not been disputed and that's the first thing that should have been done. I was advised by US BEST that the person who was over my account " XXXX, '' no longer worked at the company but when my fiance called, XXXX picks up the phone. That is lie number one. I spoke with XXXX about sending off disputes which she said would be sent out that same week but when I emailed her about an update she said my file was on her desk and she would have more information when the audits were sent out. The same audits that were already supposedly sent. That's lie number two. I never received correspondence from any disputes that were sent out by them and apparently my credit is still bad. I paid for a service that I did not receive and was made promises that were not kept. The program is not over for me into XXXX they stated, but there's no way my credit could improve enough to get a house by the time my lease is up. I am wanting a refund because I have no good credit and now am out of thousands of dollars. This is a HUGE inconvenience for me, my fiance and my kids as we will have no where to stay now. My fiance also paid for services and his account was not even touched!
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-04-12
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. (NY)

Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-06-24
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. (VA)

I have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with XXXX no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100 points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with XXXX either.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with XXXX no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100 points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with XXXX either.
Consumer complaint received 2022-05-26
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-07-12
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: RateGenius Loan Services Inc (CA)

I have filed a dispute in regards to the inaccuracies on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

I do not owe this company any debt. The service was cancelled due to unprofessionalism and destruction to my home by a XXXX XXXX contractor. I reached out to a representative about my concerns. They acknowledged and approved the cancellation of contract without any fees or charges due to their wrong doing. The company continued to charge me for service. 
XXXX {$530.00}
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

What the XXXX is wrong with you people? I sent you a letter requesting to fix your errors on XX/XX/2021 but its been over 2 months now and still got no reponse. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is utter negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

What the XXXX is wrong with you people? I sent you a letter requesting to fix your errors on XX/XX/2021 but its been over 2 months now and still got no reponse. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is utter negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A mysterious charge appeared on my checking account held by Capital One. The charge was posted XX/XX/2022 for {$1800.00}. The charge read : XXXX XXXX XXXX and included the phone number XXXX. When I called the number a recorded statement indicated I had reached XXXX XXXX, an online payment processor utilized by a variety of companies. The recording suggested I call the leasing company or property management company. There was no specific information either on the recorded message or on my online checking account statement suggesting where XXXX XXXX is located. The statement suggested it was for a " Debit Card Purchase '' by " Your Joint Card Holder. '' The joint card holder on my checking account is my wife. We have no affiliation with XXXX XXXX. I called Capital One, reported the fraud and ordered a new Debit Card. Capital One says a new one is on the way. I attempted to call a XXXX XXXX in XXXX, FL but there was no option on its phone menu to discuss payments or charges. On XX/XX/2022 the funds were returned to my Capital One checking account without explanation. When I reported the fraudulent charges to Capital One I was told the funds would be returned to my account within 10 days if they were unable to resolve my complaint. The funds are back, but is the reimbursement permanent?
Consumer complaint received 2022-06-24
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: Consolidated Information Services Solutions, LLC (NJ)

A company by the name of Xactus pulled a hard credit check on my credit without my permission twice... once on XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2021-08-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Debt Mediation, Inc. (AR)

I moved out of the XXXX XXXX XXXX  on XX/XX/XXXX and received a receipt that I had a XXXX  balance. Then when I was trying to lease a new apartment, the new apartment leasing agent said that I had a balance of {$100.00} owed to XXXX XXXX XXXX. I went to XXXX XXXX XXXX  on XX/XX/XXXX and asked what this {$100.00} balance was for. They could not find any balance owed yet they had sent me to collections for this {$100.00}. The collection company is Professional Debt. I paid {$100.00} to XXXX XXXX XXXX  even though I didn't have a balance with them, but I needed to get into my new apartment. I have attached the receipt that I received from XXXX XXXX XXXX  on XX/XX/XXXX showing I had a {$0.00} balance plus the {$100.00} paid that I didn't owe. Both the collection and the balance of {$100.00} are being reported to all 3 of my credit reports. This Professional Debt collection should have never been reported to my credit reports at all. Below is the address for the collection company. 

PROFESSIONAL DEBT MEDIAT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter about inaccurate and misleading information on my consumer report. To this date it has been 47days and still no response. It has been a tough time for me especially due to covid and with this failure to comply with the law it has had a great impact on me moving forward. I have been reading up on 611 ( A ) of title 15 chapter 41and realized this is a violation of my rights. The information I presented should be deleted immediately or I will file for litigation because of the great amount of stress.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OH)

This collection company put an erroneous account on my credit files. I have not been contacted by anyone via phone or mail. This account was previous with some other collection agency back in XX/XX/2021. I asked for debt validation which they could not provide. Account was then removed from my credit and they sold the account. I don't owe this. I disputed this with the credit bureaus but they didn't remove the account. I want this account DELETED off my credit file. How can these companies report negative information and fail to provide any debt validation? This isn't right and it needs to be addressed.