davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.
Consumer complaint received 2022-02-16
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (KY)

On XX/XX/year> I received a letter from a debt collection agency stating I owed XXXX XXXX {$870.00}. I immediately contacted XXXX XXXX because I know that I had returned all of my equipment and had completed my contract with XXXX XXXX and all bills were paid. I spoke with XXXX XXXX XXXX XXXX ID XXXX. I explained to her what I was calling for and she asked for a minute to look over my account. When she came back on the line she tried to give me the phone number to the debt collection agency and she proceeded to inform me to explain to the agency that XXXX XXXX had received the equipment and that I did not owe XXXX XXXX any longer. I refused I explained that is not my responsibility to contact this agency XXXX XXXX made a mistake just like they had on a previous account I had with that company several years ago and I had to have XXXXXXXX XXXX fix the problem they caused by their failure to update records accordingly when they receive payments and equipment. This debt collection agency should have never received any debt collection to collect from me in the first place. I returned everything and made sure my contract for one year had been completed before I canceled my service with XXXX XXXX and I owed nothing when I had canceled. Now almost 2 years later Im receiving a threatening letter from a collection agency? It is not acceptable. XXXX XXXX needs to do a better job at making sure consumers information and payments are handled better this is absurd. This affects my credit and my emotional state. I feel XXXX XXXX  should have to pay for the stress and aggravation for someone having to deal with this every time an account is canceled and all fees have been paid.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

TD BANK, fraudulently opened a checking account in my name. They sent me a letter notifiying me that the could not access my personal history because my credit was frozen. The next day I receive a XXXX XXXX card in my name with instructions on how to activate it. I looked at my XXXX XXXX company and there was an alert stating someone opened an account in my name. I filed a case with the XXXX XXXX XXXX Case # XXXX. I am awaiting a call back from them. I tried to call TD bank, but no one answers the phone at XXXX XXXX XXXX. I am not filing a fraud report with the XXXX XXXX Sheriffs office located in XXXX, NY.
Consumer complaint received 2022-02-16
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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I had a chapter XXXX dismissed with Peoples Bank which was a second mortgage on my home used for a business. The first lean holder was XXXX. 

My credit rating keeps going down despite the fact that I have been improving on it. 

I spoke with XXXX XXXX of Peoples Bank about being reported as late payments on XX/XX/XXXX. He informed me that I didn't owe Peoples anything and the matter was closed and there was nothing more he could do. 

He suggested I take it up with the Credit Bureau. 

This has been damaging my credit for five years as I try to overcome the damage I suffered in the XXXX rescission. And has prevented me from obtaining a stable home for my family. Due to this inaccurate reporting, I cant buy a home due to credit and I cant rent a home due to credit. And my lease is up XX/XX/XXXX.
Consumer complaint received 2022-02-16
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. (TX)

On several occasions I have disputed this account and Experian keeps stating this account has been verified. If it has been verified by the Social Security Administration please provide all documents proving how the supposed Derogatory Account has been verified by the Social Security Administration. I am also attaching the proof this matter had been addressed by the Social Security Administration back in XX/XX/2019 and resolved. 
Listed CFPB Complaints Filed XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

Collection Agencys : NCB Management Services Charging Amount : {$530.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX XXXX XXXX XXXX at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my third letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 
XXXX XXXX XXXX PORTFOLIO RECOVERY A
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (TX)

This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. 

The company still has not provided the requested debt verification letter, either. 

Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

I made manual dispute of initial two transactions ( one for {$200.00} & one for {$300.00} ) XXXX. Called back in the afternoon to confirm it was done properly. ( Received no documentation ) Moneylion did not shut my card off and my last {$240.00} was stolen from my account XXXX at a similar vendor. Called and spoke to supervisor ( XXXX XXXX ) who took all of my information on the first two disputes. She then advised me to wait for the third transaction to clear and that she would personally monitor my account for the last transaction to clear and make that dispute. I received an email from disputes to fill out a paper with more details and then email it back. I also received more detailed correspondence from XXXX XXXX personally. 

I waited through the weekend with no calls or emails from Moneylion.

I noticed Monday XXXX that the third transaction had settled. I called disputes to start on the third transaction. The representative on the phone confirmed my previous disputes but said I had not replied back with the documentation sent to me Friday ( XXXX ). I told her yes I had within minutes of receiving it. She said that she could all of a sudden see it. She then said she had successfully submit the third dispute and to look out for a similar email to Friday in which I would respond with the same filled out document.

Not longer after I hang up with moneylion for the third transaction, I received a response from the first two saying they had been closed with no error being found. That I had been physically present for the transaction since I stated I had my card at the time of the transactions. This is physically impossible as I am no where near the merchant and was clocked in at work in an entirely different city during both transactions.

Moneylion has refused to look into this further.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

Money was sent from XXXX bank to Amex to make a payment on a Amex credit card using XXXX online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXX $ and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at Amex and they claim that the money was sent back to XXXX on the day it was received. XXXX claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. Amex is claiming that it could be the third party processor of chase that has the money but again XXXX does not have the money.
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

I was given a summons to appear in court to answer for a debt from XXXX XXXX XXXX in the amount of {$15000.00}. I allegedly took out a loan for said amount on or about XX/XX/XXXX. On or about XX/XX/XXXX, he contract was turned over to Crown Asset Management to handle the delinquent loan. 
I dispute this entire " loan ''. My credit back in XXXX was extremely low, so it seems highly unlikely that any entity would have granted me the amount of {$15000.00}. What's more, I have never had any dealings, good, bad, or indifferent with XXXX XXXX XXXX. 
As of this date, XX/XX/XXXX, with the exception of the summons, I have not received from XXXX XXXX XXXX and Crown Asset Management, a single letter, email, or phone call. 
This is a complete fraud and I have had no business with XXXX XXXX XXXX or Crown Asset Management.
Consumer complaint received 2022-02-16
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2022-02-16
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I was alerted that my social security number appeared on the dark web, so I immediately was able to place a fraud alert and freeze my credit on XXXX and XXXX. However, Experian only applied the fraud alert. When I tried to freeze my account, it gave me a message that I needed to mail all of my identifying information to a po box in Allen, TX. 

I tried calling them at XXXX several times, but I could not get past the automated operator. After I kept repeating representative, she hung up.

1. This violates the Fair Credit Reporting Act 2. By the time my information arrives in Texas, I can be compromised.

3. Why could they apply the fraud alert, but not the freeze when they both require the same information? The answer is that they sell a solution for {$24.00} per month so they want you to buy the service instead of following the process for which they are required.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (PR)

I sent on  XXXX   XXXX   XXXX  my first letter to  XXXX   XXXX   XXXX  of Experian by certified mail  XXXX  asking him about the validation and provide me with copies of any documentation associated with this accounts. On  XXXX   XXXX   XXXX  Experian sent the report number  XXXX  saying that if I do n't send them additional relevant information to support my claim they will not investigate my claims. But they never sent me any documentation regarding my letter dated  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I send a letter replying the results on report number  XXXX  by certified mail  XXXX  requesting again that they failed to provide me copy of any viable evidence regarding the account claimed .Experian never answered my letter dated  XXXX   XXXX   XXXX  .On  XXXX   XXXX   XXXX  I sent my last letter by certificate mail  XXXX  giving them a follow up to my original letter dated  XXXX   XXXX ,  XXXX  regarding an inaccuracy in their credit reporting. On  XXXX   XXXX  Experian sent report number  XXXX  saying the same argument like last report number  XXXX  that they need additional relevant information to start an investigation.   I requesting Experian as they violated Federal law by not property investigating within the required time frame and I have evidence of such via certified mail receipts that remove all the items disputed in my l ast 3 letters  sent
Consumer complaint received 2022-02-16
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. (IN)

Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, Transunion and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like XXXX, Transunion, XXXX to remove the account, because they were not able to validate the debt under FDCPA.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: C&I Financial, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.