davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (SC)

I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC systems, Inc is attempting to collect on a alleged debt that I do n't owe them. Back in XX/XX/XXXX of 2017 they agreed to stop all collection attempts and remove all the negative items from my credit reports, however they are still calling and harassing me and the negative reporting is still on my credit reports. They are in complete violation of the Hippa law.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HANCOCK WHITNEY BANK (FL)

XXXX XXXX keeps calling non stop I have ask them to please stop as I have just XXXX my sister and my husband had to take a pay cut of XXXX weekly ask to please stop and I would pay I am having XXXX XXXX now and I am under XXXX XXXX I need just a bit of time XXXX XXXX till I turn my phone off at night on average daily I get 15to30 calls from them back to back. I do n't know what to do.i have had as many as 72 calls a day from this place
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. Reporting over {$5000.00} on my credit report fraudulently. I do not owe them any money whatsoever, as I never signed a contract or lease. Several attempts to contact the company with proof of lease have been unsuccessful, and their website now appears as " suspended. '' This needs to be removed from my credit report. This took place in XXXX of 2014.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-11-12
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. (CA)

In CFPB complaint XXXX XXXX XXXX  was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX  another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.
Consumer complaint received 2017-11-12
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: Uber Technologies Inc. (CA)

XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

Insurance that i wasn't found at fault for is reporting on LexisNexis report. 

Claim date XX/XX/year> needs to be removed. 
Claim date XX/XX/year> needs to be removed. 
Claim date XX/XX/year> needs to be removed.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX/XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have insurance with XXXX. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours. 
I have never been so victimized and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.
Consumer complaint received 2018-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (NJ)

The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX   me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX  and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?
Consumer complaint received 2023-07-29
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (MI)

I have contacted each company to have the inquiries deleted and I was informed to contact the credit bureau and they credit bureaus told me to contact the company. Unsuccessful with both companies and the credit bureaus. I cant seem to catch a break. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I went into a branch with my kids to make a deposit into their minor savings accounts. They both had a check from grandma and loose change ( @ {$6.00} for one and @ {$26.00} for the other ). I was told I had to provide my ID in order for the cash to be accepted. There is no regulatory requirement for this requirement and it is more than intrusive. I hardly think my kids are head of a money laundering ring with deposits less than {$30.00} in cash. Furthermore, no ID would be required if an ATM had been used. I believe that this is an XXXX issue as many individuals with limited means may not have the requested ID and be blocked from saving and access to financial services. I understand that large dollar amounts enable the tracking of funds that could be connected to illegal acts. I do not see how tracking {$6.00} into a minor savings account will save any lives.
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TFC Credit Corporation of California (IL)

I contacted the company in XX/XX/XXXX & XXXX in regards to reporting the account to all three credit bureaus, I was told it would report nothing ever reported under my business name and personal account. The loan was taken out in XX/XX/XXXX through XX/XX/XXXX in the amount of {$20000.00}. This loan was taken to build personal credit and business credit. TFC was paid the loan amount plus interest for a period 7 months.
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (OH)

I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.
Consumer complaint received 2019-02-05
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. (OH)

On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XX/XX/14.2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX   FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Consumer complaint received 2017-08-02
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: Uber Technologies Inc. (CA)

XXXX/XXXX/XXXX I got a lease through XXXX XXXX ( an Uber subsidiary ) on XXXX XXXX XXXX XXXX XXXX. Before I took this lease I asked XXXX XXXX manager : Would this lease appear on my credit history in my credit report? The answer from XXXX Leasing manager was of course YES! So I started driving on this leasing vehicle on Uber platform. XX/XX/XXXX I returned this vehicle to XXXX XXXX. From XX/XX/XXXX till XX/XX/XXXX Ive paid for this leasing vehicle total {$13000.00} by weekly, payment amount of {$150.00}. All payments has been paid on time without any delay. But unfortunately I dont see any account/report in my credit history/credit report about this leasing vehicle after Ive returned this vehicle to the XXXX XXXX. When I took this lease the XXXX XXXX did only inquire through XXXX XXXX to run my credit history/report. But when Ive returned this leasing vehicle the XXXX XXXX didnt report to the XXXX XXXX or other credit bureaus about this lease as their XXXX promised me before Ive took this lease. Ive tried to communicate and resolve this issue directly with the XXXX XXXX managers and sent them few e-mails. But unfortunately Ive got an answer from the XXXX XXXX XXXX that At this time XXXX XXXX does not report to the credit bureaus. The only time we work with the credit bureau ( XXXX XXXX ) is when we review your application for the lease. Other than that, your payment history would not be reported. But when Ive asked the XXXX XXXX manager about reporting this lease to the credit bureaus before Ive took this lease the answer was YES. Whats that? If their manager had told me NO before Ive took the lease, I have gone to another leasing company and have taken another lease. The problem is the managers of the XXXX XXXX dont want to do report to the credit bureaus about my lease as they promised me before. But Uber company and the XXXX XXXX is not a small company. Its a huge company with many offices, thousands employees and its XXXX dollars company. They can afford to provide the reports to the credit bureaus. Also they provide very expensive leases for the vehicles. Just for 1 year 8 months Ive paid {$13000.00} for the lease of XXXX XXXX XXXX Its a huge money and I hope, that I deserved fair report about this lease in my credit history/credit report because Ive paid off this huge money for this lease. Please reinvestigate this matter as soon as possible. For supporting my position enclosed are copies of : - Motor Vehicle Lease Agreement Closed-End-With Arbitration Agreement ( two parts ) - Retail Installment Sale Contract Simple Finance Charge - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - XXXX XXXX Returning Form - XXXX XXXX Return or Transfer Excess Wear Inspection Report - Approvement of History of All Payments From XXXX XXXX Support
Consumer complaint received 2017-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX-2017 XXXX XXXX XXXX contacted XXXX and transunion about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted XXXX and transunion in a final attempt to get them removed. I spoke with dell and a rep from transunion who said they would dispute all inquiries instead for an authorized one from capital on made on X/XX/2017.
Consumer complaint received 2015-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (IN)

I am getting continued phone calls from American Education Services ( AES ) about a student loan of our Daughter, XXXX XXXX. I am not a co-signer, guarantor, reference, etc. on XXXX 's loan, and XXXX, who does not live with us anymore, has her own phone number ; which has and has acknowledged that they have. It appears that AES is engaged in illegal collection activities, and is calling us parents to put pressure on student loan borrowers. It also seems that AES may be engaged in other questionable ways of doing business that the CFPB should investigate. 

XXXX I do n't think has ever been late on her student loan for several years, but last month missed a payment date, so she was maybe XXXX days late. XXXX says that she is now current and that she paid AES. Despite that, AES keeps calling me. AES said that they would stop, but they continue to call me. AES also claims that they can call whenever they want to call, because I am her Dad. AES also called other family members. 

It seems that AES is trying to make XXXX look bad. It seems that AEs is trying to harass XXXX by calling people that she knows, so that XXXX will not be late again. These type of phone calls are illegal under Indiana law ; which states that once a consumer tells a party to stop calling, they are required to stop. AES ignores the law. This tactic may also violate the FDCPA.
Consumer complaint received 2016-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (WA)

To Whom It May Concern : I am writing today to issue a complaint regarding the Sierra Pacific Mortgage Company , Inc. and its sub-servicer XXXX due to extreme mismanagement, miscommunication and misinformation on their part. For no discernable reason, my escrow account was recently analyzed and updated ( incorrectly ) and resulted in a more than {$300.00} increase in my monthly mortgage. Through a significant amount of legwork and initiating of communication on my part, I was able to get my escrow account reanalyzed and my monthly payment amount corrected for XXXX. Allegedly, a refund check was also issued ; however, I have yet to see it. This entire process has been arduous, confusing and extremely frustrating. To this day, I still have no answers as to why my escrow account was seemingly arbitrarily re-analyzed by the mortgage company. They refuse to answer my questions in that regard. The refund check that has been allegedly issued to me has also failed to arrive. 

This indiscriminate and sudden analysis that resulted in a significant increase in my mortgage payment is very concerning and at a minimum, indicates poor management. The issue has caused me a significant amount of financial hardship as I need to come up with an additional {$300.00} for this month 's mortgage payment. I have also spent an inordinate amount of time contacting the mortgage company to obtain updates, in addition to doing their legwork for them, as they seem incapable of initiating contact or doing their own research.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When applying for a personal loan, my bank informed me that I had an outstanding charge on my credit from a company call XXXX XXXX. Up until that point in time I have never heard of that company. When I filed my dispute with Transunion and they finished their investigation, they are still holding me responsible for the charges. I had a similar incident like this occur XXXX 2014 and the case was taken care of and I am no longer responsible for those charges on a XXXX XXXX account. Both the XXXX XXXX and XXXX charges occurred within 1 month of each other. At that time I was XXXX years old, in college, living at home, no car, no job, and no credit cards.