davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (WA)

My mother passed away in XXXX of XXXX. The debt collector is for XXXX XXXX XXXX XXXX XXXX in XXXX, my mother moved to XXXX state in XXXX. XXXX XXXX XXXX just sent me a check in my mothers name for a overpayment of {$6.00} which I dealt with in XX/XX/XXXX. The company sent my mother a letter, the company is called DCM services , LLC. No where on this letter does it mention that they are a debt collector or what the debt is for. The company is showing the last payment made on this account is for the same {$6.00} XXXX XXXX XXXX sent as a refund for a overpayment, and this company is asking me to pay this debt on my mothers behalf. DCM services , LLC address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. There phone number is XXXX. I spoke to XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

THE COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933 The Congress enacted House Joint Resolution 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of The Congress .... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of currency or coin, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information.
Consumer complaint received 2021-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

BANK OF AMERICA, FIA CARD SERVICES AND XXXX XXXX ARE IN COLLUSION AGAINST THE CONSUMER. ON XX/XX/2020 I APPLIED FOR CARD XXXX. BECAUSE OF BANK OF AMERICA XXXX XXXX IS FREZZING MY CREDIT FILES.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (DE)

On XX/XX/XXXX NATIONAL CREDIT AUDIT CORPORATION ( NCAC ) / FIRST ADVANTAGE ( FADV ), Has been contacting me via email, postal mail, and phone calls claiming I owe them a debt of {$1200.00}, also they sent me another notice on XX/XX/XXXX saying I can just pay {$750.00} to settle the debt for a one time payment. This company has been violating my ( FDCPA ) rights 15 USC 1692g ( B ) to be exact ; Since XXXX when I first disputed the debt they never reported to the 3 credit bureaus that the debt was being disputed they also didn't cease collection. Most importantly they never Validated the debt. This company have been hurting my credit worthiness for too many years now along with XXXX for not doing a thorough investigation to see if the debt was Valid or Accurate. I disputed the debt in XXXX and its XXXX, they are Willfully violating my rights as a consumer 15 USC 1692g ( B ) and 15 USC 1692e ( 2A ).
Consumer complaint received 2022-07-18
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. (CA)

XXXX XXXX pulled a credit report on me using only my name and year of birth while I was applying for their apartment. They didn't use my exact date of birth or any other personal identifier. However, they still got a credit report from TransUnion with totally wrong information in it which I believe was from someone else with the same name and year of birth as me. Also, the credit report didn't include enough personal identifiers that could be used to prove it's my credit report. This could be a violation of Section 607 ( b ) of FCRA.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My fiance deposited his check into our account with them on XX/XX/21, and they still have not cleared it as of XX/XX/21. I called XX/XX/21 to see what the was up, and they said that they flagged it for being " double cashed '' ( which is not true because we absolutely did not try to double cash it ), and that it would clear by XX/XX/21. Nope. Still not cleared. We have now received a {$30.00} bounced check fee, and a {$20.00} late fee from our mortgage company. I will be filing this complaint with the CFPB as well. If they refuse to pay the fees caused by our mortgage company, we will be taking them to small claims for all of the fees they caused, and for holding our money under false pretenses.
Consumer complaint received 2021-10-26
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: F.H. Cann & Associates, Inc. (FL)

I contacted the company the weeks of XX/XX/XXXX - XX/XX/XXXX in regards to a debt that was in collections. Speaking with several agents over a week period I countered their settlement agreement and was advised that it was not accepted. I advised them that I was not able to accept the offer they provided and asked them to send me a letter in writing stating that my offer was not accepted. I was advised that they would not be able to send me no such letter. Speaking with a supervisor he advised the same thing and told me they would be able to send me a letter with the offer they provided. At that time I disconnected the call and made no further attempts to resolve the debt. 

On XX/XX/XXXX I received two letter in the mail from the debt collector, one stating the amount they would accept and the other advising the binding payment agreement we agreed upon which never happened. I contacted the debt collector on XX/XX/XXXX advising one of the agents of the letters I received and advised her that I never agreed to payment arrangement. She stated that she was able to see in the notes where I did. I advised her that I did not I offered an amount that was not accepted but I never agreed not accepted they over they provided, let alone made a binding agreement. She then placed me on hold to get a supervisor. The male supervisor came on the line and advised me that the letter I received was not an agreement letter it was an offer letter stating what they would accept. I told him that I received two letters one with the offer and another stating that I came to a binding agreement and it had the terms and conditions. He advised me that I could ignore the letter throw it away and I do not have to pay it if I don't want. I advised him that was not the problem and that I never made an agreement and that was false/fraud. I told him that I would be filing several complaints and ended the call.
Consumer complaint received 2021-10-26
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: Credit Plus Inc (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries Credit Plus XX/XX/XXXX
Consumer complaint received 2022-07-18
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. (WI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX XXXX Account XXXX DPT EDXXXX Account XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

I live in XXXX Texas and someone else used my card in Utah at XXXX XXXX time and one time at XXXX XXXX onXX/XX/XXXX I reported it on XX/XX/XXXX.They said that no error occurred and all transactions are valid.I have never been to Utah in my life.They took XXXX from me and this was my paycheck. And this was with skylight one XXXX XXXX
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I used a U.S. bank ATM for cash deposit on XX/XX/2021 of {$1200.00}. The ATM took all the money ( {$1200.00} ) but then said there was an error and it couldn't make the deposit, but only returned {$800.00} of the money I inserted. I went inside the bank and told teller what happened, and that I would like to deposit remaining cash. The teller took {$800.00} and told me I should call the number on the receipt from ATM. I called the number on the receipt from the ATM but the customer service member was unable to help me and proceeded to give me another number to call. Four phone calls later and an additional visit to the bank, I received a letter that they were unable to find any discrepancies in the ATM deposits on XX/XX/2021, which was the date I finally was able to connect with a person who could help me, not the date of the actual deposit. US Bank called me again on XXXX XXXX 2021 that I would receive another call regarding the XX/XX/2021 ATM deposit discrepancies, but as of XX/XX/2021, I have not been contacted again, nor has my money been returned. They are now claiming that there is no discrepancies even though I have a receipt from the ATM from the day of the attempted deposit that clearly states, " A machine error has occurred and the ATM was unable to credit my account or return some of the items I attempted to deposit. ''
Consumer complaint received 2021-09-29
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: National Credit Adjusters, LLC (FL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. It is over 30 days and I have not received any results.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

Loan Servicer : Amerisave Mortgage Corporation Loan Type : Conventional Loan Tenure : 30 yrs fixed at 2.5 % Issue : Incorrect tax assessment. 

I purchased home in the city of XXXX XXXX on in XXXX. My loan amount is {$420000.00}, and my monthly payments are calculated to be {$2900.00} which includes PMI, {$130.00} ( Homeowners Insurance ), and county taxes. 

Currently county taxes for my home is {$11000.00} which is very close to previous year taxes ( {$11000.00} ). 

My loan servicer is claiming based on new escrow analysis done by them in XXXX that taxes for the year is {$17000.00} which is completely wrong. And because of this they had increased my monthly payment to {$4100.00} from {$2900.00}. So basically, I must shell out extra {$1200.00} every month. 

When I look closer at the statement, they have provided to me, they claim that they paid {$11000.00} in taxes on XXXX and again in XXXX {$5700.00}. Not sure why? 

I tried to call them multiple times and they said its a mistake but dont know how to fix it. I am not sure what needs to be done at this point.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-01
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. (NY)

It has been affirmed that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$39000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1000.00}
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX 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.
Consumer complaint received 2021-09-28
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. (AL)

XXXX noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with XXXX on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through XXXX for years, but this is an issue that is encouraging me to refinance my vehicle.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

RADIUS GLOBAL SOLUTION XXXX Balance {$420.00}
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I received my credit report from XXXX and experian I was unable to pull XXXX. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS
Consumer complaint received 2021-10-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (SC)

RE : CEASE AND DESIST All FURTHER COMMUNICATIONS To Whom It May Concern, I am writing to formally request that you cease all further communication with me reference above mentioned account. Cease and desist from any further telephone calls, email, or written correspondence concerning this debt.

As allowed under Section 805 of the Fair Debt Collection Act ( FDCPA ), 15 U.S. Code 1692c - Communication in connection with debt collection for : ( c ) Ceasing communication. I am entitled to request that you cease all contact with me except as legally required. The law states that : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily
invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

What happened I KEEPT GETTING ALERT FROM SIGHTS ALERTING ME A NEW INQURIRIES WERE MADE. I DIDNT APPLY FOR ANYTHING BUT TOOK ALOOK AND ALL THEESE INQURIRIES WERE DONE WITHOUT MY KNOWLEDGE. OR MY PERMISSION. companys that ran my credit without knowledge or permission : 1. XXXX on XX/XX/XXXX 2.dept of ed on XX/XX/XXXX 3XXXX XX/XX/XXXX XXXX XXXX XXXX twice on XX/XX/XXXX & XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX 8. XXXX  XXXX XXXX  on XX/XX/XXXX 9. XXXX  ran twice on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX 11. XXXX on XX/XX/XXXX 12. dept of ed on XX/XX/XXXX 13.XXXX XXXXXXXX on XX/XX/XXXX 14. XXXX XXXX  on XX/XX/XXXX