davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I went online around XX/XX/2020 to try to temporarily unfreeze my credit report, as I have done previously. I was unable to do so, after entering in my myEquifax login info the screen said " we are temporarily unable to complete this request. please try again later. '' I proceeded to try to login on my laptop and mobile devices ( XXXX and XXXX  ) to get the same message. This has continued until today when I attempted to call the number provided on the site in which I spoke with several different employees ( employee ID XXXX global consumer team, XXXX - MyEquifax as well as her supervisor XXXX XXXX all of whom failed to verify my identity and unfreeze my report. As a consumer, I have the right to access of my report and I am not being adequately assisted to do so.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arbor Professional Solutions, Inc. (TX)

I called and requested an itemized statement from this collector along with written confirmation on the process of paying off the debt as well as the process of reporting to the credit bureaus. 

I emailed the following to the listed president, XXXX XXXX : Hi XXXX, I wanted to formally file a complaint with you just as I have done with the Michigan Attorney General, Texas Attorney General, the XXXX, and my family 's legal counsel. 

Today I called Arbor Professional Solutions to resolve a debt I acquired 6 years ago. Because the bill is so old, I called and requested an itemized statement from your company, written confirmation on the process of paying off the debt, along with the process of reporting to the credit bureaus. Once I received this information verbally, I once again asked to receive an email, letter, or even web address listing these processes and information. Most calls at business are recorded for records and training. I like to have my own copies for records as well. 
I was met with rudeness and unprofessionalism. I spoke with someone named XXXX and her supervisor. XXXX transferred me over to her supervisor without even indicating that she was doing so and her supervisor rudely said to me " Oh I'll wait since I wasn't talking '' as if I am a three-year-old. Mind you, I was on the phone with her for less than a minute before she became rude. 

After the supervisor 's statement, I asked her to repeat herself. She did with confidence. They then blocked me from being able to call the office again. I didn't get disrespectful. I didn't raise my voice or become rude until after that statement which was in response to one question which was " how am I supposed to confirm this information if you can't send anything to me? ". Feel free to have your team listen to those calls. 

The unprofessionalism from the employees within your office is preventing people from paying off their debts due to their HORRIBLE customer service. It shouldn't be a hassle to pay off a debt. I am sure there are many consumers like myself who have the intentions of paying but then are met with such rudeness. Your XXXX reviews state just that. 

Please let me know how we can remedy this situation.
Consumer complaint received 2020-07-06
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: JPMORGAN CHASE & CO. (CA)

I sent in a payment in full to the wrong address via mail and it came back to me, so I resent the payment in full which has now cleared chase card services. This is literally 2 days after the due date. I have moved 2 times in the last 120 days and have been dealing with major health issues in my family. This was clearly a mistake on my part to not make sure I am on auto pay and apparently for this one card I wasnt. My balance is zero and I have a perfect payment history except for this one mistake. Chase has told me that they will not remove this negative report even though I have paid everything in full. Is there anything I can do here, especially in light of the pandemic, etc?
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

AGAIN, IDEAL COLLECTION SERVICES IS REFUSING TO ABIDE BY WHAT I HAVE BEEN TELLING THEM! THEY RESPOND WITH GARBAGE AND ARE NOT CONDUCTING AN INVESTIGATION INTO THE CLAIM THEIR CLIENTS HAVE UNRIGHTFULLY CHARGED ME. I WILL CONTINUE TO COMPLAIN ABOUT THE DISGUST OF THIS COLLECTION AGENCY. I DON'T KNOW HOW THEY ARE SO QUICK TO RESPOND THE SAME DAY I SPOKE WITH THEM AND THEY ADVISE MY FILE IS NOT IN THEIR OFFICE ALL OF A SUDDEN AND TO ALLOW 30 DAYS. 



I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. XXXX XXXX  finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday XXXX XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
Consumer complaint received 2022-09-30
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. (VA)

My name is 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 2020-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCE CORPORATION (TN)

On XX/XX/2020, I called One Main Financial to obtain the payoff amount for my loan. I spoke to a female representative at the company who provided the payoff amount {$2200.00}. I made the payment online the next day XX/XX/2020, less the {$0.00}. The email attached provides a confirmation number XXXX for the payoff. On XX/XX/2020, One Main Financial deducted my regular automatic payment of {$190.00}. On XX/XX/XXXX, called the company and spoke to XXXX. He told me that the female representative gave me the wrong payoff amount on XX/XX/XXXX. He gave me the payoff balance through XX/XX/XXXX, which is {$2400.00} and refused to refund the automatic payment because I didnt pay the XXXX cents.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

At some point in early XXXX I contacted XXXX XXXX to inquire about a less costly home owners policy. The normal prerequisites were supplied and was rejected by me in an E-Mail dated XX/XX/2012. XXXX am. All action by XXXX showing my acceptance occurring on XXXX XXXX ( XX/XX/XXXX is a Sunday?? ) one day before my rejection E-Mail dated XX/XX/XXXX, which is attached. 

I did not sign or initial anything XX/XX/XXXX or at any other time. 

A premium for the this homeowners insurance was deducted from my escrow account by Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. showing a payment dated XXXX, XXXX ( SUNDAY?? ) to XXXX XXXX for {$1400.00}. SLS knew I had another active policy with XXXX. 

Unknown by me, XXXX was continued and {$1800.00} was paid from my escrow on XX/XX/XXXX for renewal by S.L.S. I now have two HO policies, resulting in an large increase in escrow payments and therefore a large increase in my monthly payments. The XXXX payment shows this as occurring on XX/XX/2012 ( again this is Sunday XXXX which was one day ahead of XXXX receiving my rejection. 

The XXXX agent who handled this was XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX I am XXXX years old and my only income is Social Security, the increased payments push my monthly payments out of reach with the possibility of future foreclosure.
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (TX)

showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute
Consumer complaint received 2023-06-01
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. (GA)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

XXXX  has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages FTCA verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  & XXXX XXXX cards were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax 's systems ( online, phone IVR ) to freeze/unfreeze my credit are inaccessible for several days at a time. According to the FTC information on consumer credit freezes, their systems should never be down for more than one hour. Since their systems are down, I am unable to login online to unfreeze my credit, and the phone IVR is unable to process my request. This is unacceptable. I am applying for my first mortgage and need my Equifax credit file unfrozen.
Consumer complaint received 2022-07-13
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I had an original payday loan from XXXX XXXX. It was bought by XXXX XXXX XXXX  which I saw listed on my credit report, so I called and settled this outstanding account with them. I received the paperwork confirming my debt has been settled. 

I received an email from an " XXXX  XXXX XXXX XXXX  XXXX '' from a XXXX XXXX saying that they will send me a summons to court for non-payment and lack of response. They are asking for a credit or debit card number to settle it for {$980.00}, which they later revised to {$750.00}. The email to respond to was XXXX and XXXX. I responded with a copy of the letter from XXXX XXXX XXXX ( about my account being paid ) and this person from ACE said that they know about my settlement, but these are legal fees. I said I would look into the account further. 

This person has become increasingly aggressive, asking when I can provide my card info. I asked for their financial department if a money order can be used ( to protect my information ). They said they only accept debit or credit. They have kept sending me emails within the hour, threatening to proceed with legal action. 

I consulted with a lawyer from XXXX XXXX about this case who thinks this may be a fraudulent company. The lawyer said that once a debt is paid, it is paid. I am waiting for a letter from XXXX XXXX to assist me in this case. I also wrote an email to XXXX XXXX to ask if they are affiliated with " ACE '' and to assist me with updating my account, if it is still being distributed to outside channels for non-payment even though I had settled it.
Consumer complaint received 2022-08-15
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX U S DEPT OF EDXXXX  Account # XXXX XXXXXXXX XXXX XXXX INQUIRIES 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  has violated my rights.

XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-05
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)

Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from
Consumer complaint received 2023-01-30
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. (CT)

I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine 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. Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.
Consumer complaint received 2020-07-06
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. (CA)

The bank of XXXX XXXX credit card company and experian are playing games with my report XXXX send a letter attched saying that the dlenquency for XX/XX/20 was removed by company and experian has been notified experian says when we dispute they say delinquency is valid Think how consumers time is being wasted these companies have no sense of accountability and they should be made to apologise and flagged in the system
Consumer complaint received 2022-07-13
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: MoneyLion Inc. (AZ)

I have received an attempt to validate a debt in pursuant to 15 usc 1692g unless you are providing all 5 requirements the alleged debt is not valid. I am demanding my audit trail ( file 15 usc 1681a ( g ) ) send me my file. 

I've also overlooked the truth in lending disclusure and in pursuant to 15 usc 1605 the finance charge is the sum of all charges. Therefore if the amount financed which it very clearly states thats the amount that was provided to me on my behalf covered the finance charge, yet they used this deceptive form and language using adverb verb. The finance charge was {$160.00} and the amount financed was {$1000.00} the documents show everything but you guys misused my credit and have been collecting on something thats been paid. In pursuant to 15 USC 1692e false and misleading information I am demanding that you provide me with my file both on ledger and off ledger. You guys are double dipping and have already been credited, further more in your response you used a symbol and in pursuant to 15 usc 1692b ( 5 ) you guys are in clear violation of my consumer rights and I in pursuant 15 usc 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Therefore if no one is willing to comply I will start coming for redemption as you guys have already been credited because of the fact that I granted you guys this right. I can start coming for remedy I am simply demanding deletion for reporting late payments on my report even though the account Is already paid