davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
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. (CA)

This collection agency called me several times about an unpaid bill from a utility. I informed them each time that my real estate agent had ordered stoppage of service and a final bill that I had paid, but that my request had been ignored. Previously, I had dealt with the utility on the same subject. They called me a liar. All other services had been turned off because we had moved everything out of the home.

Again, my real estate agent called them to shut off power and gas. As I had moved out of the home, I was unaware that they had ignored the request. The text of an email from the real estate agent is below:

Begin forwarded message:

From: XXXX XXXX  
Subject: XXXX XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX at XXXX XXXX PDT
To: "XXXX   (XXXX)" 

Good Afternoon XXXX XXXX!
We just wanted to let you know that the utilities for your property will be taken out of our name as of tomorrow, XX/XX/XXXX. We will be forwarding the bills to you once we receive them.
Thank you very much!
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (DE)

On XX/XX/XXXX, I checked my email and noticed there was an email from XXXX XXXX that an account was past due and it was reported by a company called Cash Central XXXX. This account was fraudulently opened under my name and was on my XXXX XXXX credit report as past due. That same day, I submitted a dispute via XXXX XXXX and the following day I contacted Cash Central XXXX or also known as Community Choice Financial out of XXXX Ohio. I spoke to representative named XXXX or XXXX and she advised me that the account was opened on XX/XX/XXXX in the amount of {$2500.00} and that she will be sending a packet that needs to be filled out and notarized so that the Identity Theft Claim process could commence. I am currently in the process of filling out the packet they emailed. I also notify the XXXX XXXX County Police Dept of Identity Theft and has taken extra steps to put an alert on all 3 credit agencies. I 've also filed an FTC report. My complaint about Community Choice Financial is that an online application was opened under my name and was carelessly granted to the fraudulent individual and no credit check was done. No inquiry showed up on my credit report that would 've alerted me earlier that an account that was fraudulently opened under my name. I am questioning the internal controls this company has in place when they open or grant loans and what security they have in place to ensure that the person who is applying for the loan is not a fraud.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I am devastated by the response I received from CFPB. I submitted a complaint, complaint # XXXX. I stated that the person trying to collect may not be a real party of interest. The servicer wrote you all letter and you closed the complaint. Did you even read the letter. I will attach it here. The letter states the loan when in default in XX/XX/XXXX. How can they be foreclosing on a property that is not even 30 days late. 

In order to say yes I am late I would have to believe a debt is owed to the person attempting to collect and I do n't believe a debt is owed to them by me. 

I need you all to really look into this for me. The assignment that they submitted to a trust that closed in XX/XX/XXXX. Please see the attached PSA. If you go to the definition of cut-off you will see the Trust cut off XX/XX/XXXX. No non performing loan can go into a trust after that cut off date as it is a violation of IRS code 860 A-J. That could possibly be criminal behavior. 

Please investigate this. I am contacting the IRS and the FBI on this.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

In 2012, I discovered that someone had used my name and personal information to open a Wal-Mart credit card in my name, without my knowledge. Since that time, I have filed complaints, disputed the account at the three credit bureaus, and also requesting a fraud investigation from Sychrony Bank. To date, Synchrony  Bank has done nothing to initiate a fraud investigation.
Consumer complaint received 2017-10-29
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: Experian Information Solutions Inc. (NV)

I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc. (WI)

In XX/XX/XXXX I moved from XXXX, XXXX to XXXX, XXXX due to job change and put my home in XXXX in the market and eventually sold in XX/XX/XXXX. I called my cable services ( XXXX XXXX XXXX ; A/C XXXX XXXX XXXX ), and they came on-site to disconnect on XX/XX/XXXX and took one of the cable modems ( I bought the other one ) with them. 

I received my last bill showing after the return of the equipment and adjustment my final is a credit to me for ( {$20.00} ), copy enclosed dated XX/XX/XXXX.  However, within a month I received a revised bill dated XX/XX/XXXX showing that I owe {$110.00}. I called them number of times and have records of most of them ( e.g., discussion on XX/XX/XXXX Ref # XXXX ) and tried to resolve XXXX XXXX changed position that I did not return the modem and hence should pay for it. Finally, In XX/XX/XXXX they informed me that they will refer to a credit collection agency ignoring my offer to settle it for 50 % of the disputed amount ( their counter offer was 20 % ). 

Finally, I started receiving calls and mail from RGS ( a  collection services company, XXXX ; A/C XXXX ), after sharing my documentation with them ( see enclosed e-mail ) and number of discussions they advised me to work with XXXX directly, they are not authorized to accept my repeated offer to settle for 50 %. In my discussion with XXXX XXXX from RGS on XX/XX/XXXX, he agreed with my position after review of records I shared with them, and since then RGS stopped calling me. Last time I tried to make a final offer to XXXX was on XX/XX/XXXX (  XXXX ), and it was declined as well. 

I have had excellent credit history with NO previous record of non-payment or late payment, my FICO score until recently was around XXXX. However, since this SINGLE incident reporting it has dropped to XXXX. 

Requesting your review and assistance with this matter, my cell is XXXX.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

X/XX/2017 My husband and I requested our credit reports and to have our credit blocked due to the Equifax breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for Equifax and XXXX so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on X/XX/2017 but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (KY)

I attended a little over a year had to take maternity leave and before returning to school they shut down. It was extremely inconvenient to have to stop everything and expect me to pay half of my tuition back after not being able to pursue my career I was studying. It has ruined my credit for nothing. I am a single mother of XXXX so money is not my greatest asset. Going back to school was supposed to help me provide a better life for my children.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.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 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (PA)

I was told about a checking account that I did not open for XXXX to XXXX I believe no action was taken cause I did not know about this account but did receive a letter about a XXXX XXXX check that I didn't receive.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A XXXX XXXX Tax Lien appears on my credit report however, the court document for the tax lien, provided by the Clerk of Superior Court for XXXX County, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( NCAP ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth.
The XXXX XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CENTRAL FINANCIAL CONTROL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-10-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CT)

I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX.  They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time.
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a FTC report and company still refuses to correct my information instead they send letter stating i need to submit another FTC report or a police report for identity theft instead of removing the otrms off of my credit after i stated i Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I have not received any proof supporting this claim. Consequently, I presume that no valid proof of the alleged debt exists, and therefore, no such debt is owed. Also 15 USC 1681 ( b ) 604 ( 2 ) Permissible purposes of consumer report states my furnished a consumer report and no other accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2017-10-25
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: EQUIFAX, INC. (OH)

All of a sudden on XXXX XXXX, XXXX Equifax STOPPED reporting to XXXX XXXX therefore preventing me from accessing my credit score. I reached out to XXXX XXXX and this is what I was told ... XXXX '' I can see that we are receiving an error when your account attempts to receive updated information from Equifax XXXX Unfortunately since this is an error generated by the Bureau we are unable to bypass it on our end and have limited insight to it, please contact Equifax. '' Bc of Equifax throwing that security freeze on my account numerous times w/o my permission this is what I have to go through. I never asked for it and when she said its one of the two either information updated or a freeze was placed I knew exactly it was bc you kept throwing that freeze. PLEASE DONT RESPOND AND SAY THERE IS NO FREEZE BC I AM AWARE OF THAT. Just please get with XXXX XXXX and resolve this. 

Thats what I was told. I was told it could be bc my information has changed or there was a security freeze on my account. I advised as of today there are no freezes or alerts and information is the same. Even contacted Equifax spoke to Supervisors was on phone for 45 minutes TO NO AVAIL. They had no clue what I was talking about and kept saying " we dont do anything with XXXX XXXX '' um DUH I know that they are just lazy. Please get this corrected so that my information can get sent to XXXX XXXX and I can receive my score. I ', m done calling Equifax I called 12 different numbers I AM DONE WITH EQUIFAX. XXXX updates fine its only Equifax. XXXX XXXX cant to anything.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.
Consumer complaint received 2017-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Spoke with Legal department and clarified that I had never received a validation of debt, have no clue the reason in XXXX 2017 they invaded my privacy and pulled my credit report without permissible purpose. My wife had made a complaint about them as well. This is fraud and a person should not be able to snoop or pry into a credit report unless given permissible purpose. Please have company state the reason and the debtor they were representing when they invaded into my account and the reason they never sent a validation debt letter.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2017-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (KY)

I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this