davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tennessee Quick Cash, Inc. (TN)

stated at the time that I 'm unable to make payments due to be laid off from work and XXXX in my XXXX XXXX. I asked for all calls to cease but company is still trying to contact me .I received a phone call today from my old employer stating that the company was calling for me and that this was a disturbance. I can not pay this bill at this time and all the phone calls and email communications are putting me at risk for XXXX XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

Yes, I want to file a complaint against XXXX XXXXXXXX XXXX XXXX which is now on my account/report, and I know nothing about. I know this is something fraudulent because I had done a report on another company in Texas that's on my report name XXXX XXXX and that company also, I know nothing about. I live in Mississippi and been living here all my life. I've never owned a home or had an apartment or house in my name. So therefore, I haven't had any house bills in my name. 

I've always lived with a relative and help them out on their bills by giving them money monthly. I talked to someone at a collection agency ( LVNV Funding LLC ) name XXXX. I had to pay her a dollar through XXXX XXXX, and she took a look at those debts and said there's no way I could have open those accounts because they were around the same time. Then she told me if I paid {$190.00}, she would dispute those debts, and they would be wiped off my credit report and my credit would go back up. I just thought if those wasn't my debts, why would I have to pay? So, I told her I would have to think about it, and I'll call her back. ( XXXX ) I'm just confused because the first debt at XXXX XXXX I knew nothing about, and now this company XXXXXXXX XXXX XXXX I don't know anything about. Like I said, I been in the state Mississippi all my life. I may have taken trips to Texas and other places but never lived there to pay bills or be stabled. Only motels and Air bnbs. I just want to get this issue resolved because if this is Fraud, this person needs to be stopped because this person can do this to me again. 

Note : The last time I visited Texas was around XXXX it was still covid season and haven't been there since. I been living in Mississippi all my life. If you need anything else from me, please let me know. Thanks... 
I will also upload a few tax documents from my bank that will have the addresses of me living in the state of Mississippi at those times.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

This debt is over the statute of limitations in the state of Texas, which is 4 years. This company is violating the laws in the state of Tecas by attempting to collect this debt. 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (CO)

This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Consumer finance staff, I, XXXX XXXX XXXX, from XXXX New York, received an offer from XXXX XXXX to help me settle my credit card debt. On XX/XX/XXXX I received an offer from agent, XXXX XXXX from XXXX XX/XX/XXXX, to settle my debt with three Credit Card companies, a total of {$20000.00} to be reduced to {$10000.00} to be paid at 36 months installment of {$280.00} per month. I already paid to this agency {$280.00} on XX/XX/XXXX, and {$280.00} on XX/XX/XXXX. I was advised by, XXXX XXXX XXXX to stop paying my credit card bills that they will take care of the debt settlement. He also mentioned that the credit card companies will just void my debts due to me not having any properties or assets to back up the debts Ive incurred with the credit card companies. He also sent me some brochures and asked me to send him a copy of my drivers license, which I emailed to him at XXXX He also asked me to send him a copy of my Social Security Card, which I did not send to him. I became suspicious and proceeded to stop this withdrawals given that the agent mentioned above never responded to my emails, once the withdrawals from my checking account were taken. I have been also getting emails regarding educations on how to maintain a heathy financial activity. And received a call or two regarding such education and to confirm that I had received their brochures and forms. The agent, XXXX XXXX, told me that his agency will settle my debt, and given that I have no properties or assets, their agency could settle my debts with the credit cards, and they will just settle with them and consider the reminder of it a loss on the part of the credit card companies. They had me look in the internet for their credentials, and I found no negative consumers report on this agency or company. Their website is XXXX when I search for consumers report I only find their official website, as such, XXXX XXXX XXXX The debt settlement, as they called it, was with the following credit card companies, Capital One, XXXX XXXX , and XXXX XXXX  XXXX I must say that XXXX XXXX , put me under pressure to sign all documents as fast as possible, without giving me the chance to think about it and get back to him at a later time. I would appreciate if I can get any help you could provide to me for the situation I am in right now. I look forward to your response to my complaint. I can provide you with the document they had me sign on line by forwarding their emails at your convenience. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : 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 Balance : {$22000.00} Additionally, I would like to address the inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. I would like to bring to your attention the following inaccuracies : 1. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file. 2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also, delete ALL known as names on file. 3. Only Date of Birth : XX/XX/1969 I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. A recent utility bill displaying my correct address. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing. Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.
Consumer complaint received 2017-08-10
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)

I wrote to XXXX XXXX on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (DC)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX, which states I have the right to privacy. XXXX XXXX XXXX states XXXX section XXXX, it states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Consumer complaint received 2017-08-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed my credit report and still continue to notice that an account that was not reporting accurately. I have late payments showing differently on experian than TransUnion and equifax. Consumer reporting agencies need to report all information with complete accuracy. If this information cannot be verified I demand these payments be updated to paid on time and/or fix the incorrect payment history immediately. Thank you for understanding and prompt action.

XXXX  reported late payment dates for closed account of 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  
Experian reported late payment dates for closed account of XXXX XXXX XXXX XXXX  Id also like to state that on my experian account I read a statement that experian said I made which is also not accurate stating that my late payments were due to unemployment. This is a statement I never made and would like that removed as well please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX 2016, I went to Citibank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) to inquire about banking opportunities. I was encouraged to open a Citigold account. Within the bank over the telephone, I opened a Citigold account after learning about an amazing promotional code ( XXXX ). Prior to finalizing the account details, we reviewed the promotional code requirements. I was assured that within 3 months of meeting the requirements, the miles would automatically post to my account. The promotional code and my AAdvantage account were then linked to my citigold account to make it easier to transfer the miles. 

My account was funded with {$1500.00} on XXXX/XXXX/16. I met the promotional code requirements within two moths of opening my account. I spent {$1000.00} in debit card purchases on XXXX/XXXX/16. I had two consecutive automatic bill payments to XXXX XXXX on ( XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 ). In XXXX, I called Citigold ( XXXX ). I was informed I had met all of the promotional code requirements. On XXXX/XXXX/2016, I called Citibank again. I was told the XXXX miles would be deposited into my account within 90 days of meeting the program requirements. On XXXX/XXXX/16, I was informed " Unfortunately, there was not an XXXX XXXX promotional offer in conjunction with the opening of your account. While Citi does offer XXXX mile promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I was shocked. I immediately appealed the decision to the Citigold representative. On XXXX/XXXX/16, I received the exact same letter without any additional information. 

I do not understand why my account does not quality for the promotional offer XXXX, which was offered to me from within Citibank. On XXXX/XXXX/16, I was informed for the first time that this promotional code was not targeted to me. This does not make sense. From account inception until XXXX/XXXX/16, there were multiple telephone calls with Citigold confirming that my account had met the promotional code requirements with the miles to be credited to my account in the near future. As I had no reason to suspect there would be an issue, I do not have a log or transcription of any of these telephone calls. However, I suspect there are multiple internal notes linked to my account within the Account Services department. 
I see no other recourse than to file this complaint with Citi.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX  XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX -Inquiry XX/XX/XXXX ( not authrozied TO BE REMOVED FROM EQUIFAX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My complaint is with Transunion credit bureau. I was part of there system glitch that caused my inquires to be removed from my credit report. The law states that Transunion would have to notify me with 5 days to inform me that the inquires would be added back to my credit report. Transunion failed to give me proper notification and just illegally added them on my report. This is causing a financial hardship on me as I am in the process of applying for a home loan and with these inquires being added to my report it brought my score down which disqualified me for my loan. I have reached out to Transunion on several occasions and spoke with a XXXX and a XXXX. They did not want to remove the inquires after I stated that they were illegally added and some were fraud. This was not a mistake on my behalf so I should not have to suffer. This was a Transunion issue and they did not take the proper steps before adding illegal information on my report. My rights were violated by Transunion. I am requesting your help in resolving this matter and so Transunion can stop victimizing me. As a resolution I am hoping to get all of my inquiries deleted from my report.
Consumer complaint received 2017-08-10
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. (IL)

Experian will not delete an account ( XXXX XXXX ) that is clearly reporting incorrect information. On XX/XX/XXXX I disputed inaccurate data -XXXX XXXX account reporting as charged off when it was in fact discharged in a bankruptcy in XX/XX/XXXX ( public record appears on credit report ). Experian did not remove data. I followed up with a written request and Experian still will not remove data.