davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RAB, INC. (FL)

On Thursday, XX/XX/XXXX at XXXX XXXX XXXX I received a text message on my personal cell phone XXXX from XXXX XXXX representing eCommission from XXXX and XXXX with this threat, quoted : " XXXX, if I do not hear from you I will have to put your account in legal status. You understand that they will file complaints against your license? ** Please give me a call ** XXXX XXXX representing eCommission XXXX. '' I did not reply. Then, again on Friday, XX/XX/XXXX, from the same number I received the following text, quoted : " I will be notifying XXXX XXXX  of the UCC1 Lien against you ** XXXX XXXX representing XXXX XXXX. '' I responded : " There is no lien against me. Does your firm usually tell lies? And that would be a CFPB violation against you if you do so. I'm an educated person. Threaten me again. I also have not authorized your firm to text me. FTC violation. Don't text me again. '' A few minutes later, I received multiple emails to multiple email accounts, including my employer-sponsored email address, from an account which I did not authorize or opt-in to receiving emails from eCommission. To my ultimate humiliation, my former employer, XXXX XXXX, was copied, as well as, my former email address with that employer, my personal yahoo account, my personal gmail account. 

Included in their numerous emails as an attachment is what appears to be a UCC-1 filing against me, dated XX/XX/XXXX. However, the financial instrument they attached as " proof of indebtedness '' to eCommission was dated XX/XX/XXXX. My first response to them was that I had not been served any documents via judicial due process ; I had no knowledge of such lien against me ; and I questioned the dates on the documents. 

They notified my current employer with the same attachments via facsimile addressing XXXX XXXX, Compliance Specialist with XXXX XXXX. XXXX XXXX has confirmed receipt of all of the above from this debt collection agency, https : //www.rabtx.com/ - claiming to represent eCommission. They told my employer that they expected to be paid. 

In addition to the discrepancy in the dates ( filing a lien against a consumer 9-months prior to the date of the financial documents/loan ), the documents filed with the UCC-1 are against a nickname, the address on the documents was vacated more than 2 years prior to the lien filing date, judicial due process was not complete, but their brutally embarrassing tactics have caused me personal strife, fear, and anxiety. 

I am a XXXX  mother of XXXX  children. My employer is my only source of income.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio RC reported against my credit, an amount to which I requested an original proof of debt. They were unable to provide anything other than a statement that they purchased said debt. This is not sufficient under the guidelines of the FTC and needs to be removed. If removal has not occurred within 30 days, legal action will be taken.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.
Consumer complaint received 2022-01-14
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. (VA)

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.
Consumer complaint received 2020-08-13
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX  XXXX  Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX  XXXX  Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1700.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX XXXX XXXX  XXXX  Reported : XXXX XXXX, XXXX - {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX  XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

I keep getting calls from argon debt collection to my phone. I have had the number for 6 years and this company has been told that the person they are looking for has not had this phone number for that long. The have said they would not call again but called me the very next week. The company is in XXXX XXXX Nevada. Their address is XXXX XXXX  XXXX XXXX # XXXX and they do not stop calling even when threatened with legal action. I try blocking the calls but they get through. Please advise me what to do about this Im not the person they are looking for and are too lazy to track him down
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

i wrote to the collection agency, Mitchell D.Bluhm & Associates LLC, because of an account that they are currently collecting on. however, i felt forced to enter a payment plan because this was comming from an " attorney 's office ''. But as per FCRA guidelines, I have the right to question the validity of any account that is being reported or being collected on behalf of another lender/provider. I honestly do not recall having an open account or even owing any money on behalf of their client. i wrote Mitchell D.Bluhm & Associates LLC, and asked for supporting documentation that shows that i have a binding agreement with their client, that shows my signature, stating that I agreed to services rendered and agreement for payments. i believe that this is a violation from FCRA and should be investigated further.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my Experian report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My XXXX  report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.
Consumer complaint received 2022-01-14
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)

On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.
Consumer complaint received 2020-07-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Company has failed to investigate and or remove information from a consume report despite receiving proper documentation on the fraudulent accounts. I have disputed this information for over 1 year and Experian has refused to remove nor investigate these items. These items were included in previous complaints with CFPB.
Consumer complaint received 2022-03-02
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. (VA)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from XXXX and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Info : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2020-12-18
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (HI)

XXXX XXXXCITIBANK Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for Citi Bank failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about Citi Bank failing to report inaccurate information for my behalf being a user with them since XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

For the past 3 months, I've had nothing but problems with making a payment. Most recently, I was informed that I entered a wrong account number ( not true ). When I tried to pay by phone, I was informed that because my bank had returned my last payment, I would have to use another bank account! I do not have another bank account. I am willing to work with the company to get this problem fixed once and for all, but it has been TOTALLY uncooperative. Rarely can I reach customer service by phone. I used to be able to pay online in just a few seconds. But I have recently spent hours trying to fix the problem. I don't know what else to do but to file this complaint.
Consumer complaint received 2023-04-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TX)

I've been calculating the total sun I've been paying with American Credit Acceptance since XX/XX/XXXX. I financed this vehicle in XXXX of XXXX. I've made on time payments up until XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX  I've made lump sum amount to cover for my late payments, no including late fees. XX/XX/XXXX, I called the company and asked them how come none of the extra payments that I am making is going towards my late fees and will I be credit for the next making for making payments ahead. They told me that I have to call customer service for all of my late fee payments in the future and that I wasn't able to do that online. I wasn't aware of that rule, but on their website it states that : ACA applies your payments in the following order. 

Miscellaneous fees ( e.g., repossession fee ) if applicable Interest ( currently due ) Principal ( current and past due ) Fees ( e.g., late/NSF ) Remaining Principal So, when I was making large payments amount NONE of them were going towards my late fees whatsoever. Once I call the customer service and took care of it, which there is proof on my transaction history and on a recorded line, which they said they use when calling, it would say I made a payment of {$76.00} not including the {$6.00} fee they charge when making a payment. Till this day, I still owe them a late fee of {$75.00}. I called them about a month later asking why was I still being charge for a late fee when I've been making online payments on time since the beginning of the year. The customer service person told me that the payments I made didn't goes towards my late fee. It went towards my billing. I ask can the payment be reversed to my late payments and they said no but they can applied it to my billing the next time I pay. 

I didn't understand why my {$76.00} payment didn't go towards my late fee when I specifically called just for that payments to go there. Also, the first time I called they told me I had " one month free '' of payment for paying early meaning I didn't have to make a payments until XX/XX/XXXX which if you calculate the payments I made in total, {$6000.00}, to how much I am supposed to pay monthly, {$7400.00}, the difference of the payments are {$600.00}. I've asked where is my forwarding payments that I've made and they couldn't come up with a reasonable answer. I am still making my payments every two weeks and I will call them to do a final follow up on my account. Thank you for listening.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to XXXX XXXX  as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of XXXX XXXX lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that XXXX XXXX received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on XXXX XXXX  end.