davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

I was just called by an automated system on XX/XX/XXXX at either XXXX at XXXXCST or  from XXXX at XXXXCST and stated a complaint had been filed against me, gave me the account # # XXXX and that I needed to call them. at XXXX. 

I called and a gentleman ( putting it kindly ) by the name of XXXX XXXX essentially said are you " my name '' and I said yes. He stated I owed {$440.00} to " Ace Cash Express '' and I said who is that. Then he basically berated me for about 45seconds without me saying anything then told me I'm suing you for over {$2000.00} in court or pay me the $ 400+ amount and hung up.I didnt even have a chance to say okay I'll pay. Even though I dont know who this gentleman is. 

I've called the Ace Cash people and they dont have any knowledge of it. I'm not sure what to do. I have a good job, make decent money and can afford to pay it if I owe it. However, I dont know what this if for. I've never received a bill or any documentation. If I owe a debt I have no problem paying for it. The only debt I currently have is my mortgage and student loans. My XXXX and XXXX are paid and I'd like some help figuring out what to do. I wont use the words he used but this really upsetting. XXXX XXXX number is XXXX I do remember getting a payday loan back in the early XXXX 's era but paid that. 

I would appreciate any assistance you guys can provide me. Many Thank, XXXX XXXX
Consumer complaint received 2020-06-21
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. (FL)

Experian failed to remove the inaccurate information on my credit file. I have been disputing those accounts since 2018. I was never late on those accounts.
Consumer complaint received 2020-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have 2 debts from Portfolio Recovery on all of my credit reports. I have tried through all credit agencies to request corrected information. Unfortunately, these agencies as I understand it, only confirm that the collector SAYS it's my debt. I want the debt confirmed with some documentation because I do not believe its mine or could be accurate. My father added me to accounts he had when he was sick and I was his caretaker. This was so I could shop for what he needed. I can not discern based on any info I see on my report that these are debts I personally had. I believe they may be accounts I was not a co-signer for but was added to the cards as a user only and I believe I would not have responsibility for his debt. 

I do not have any known accounts within the 7 year time frame or with the companies listed. I initially requested dates to be confirmed which I never received any documentation of exactly what day I made any payments for any debt. 

1. Accounts are listed as XXXX XXXX  and XXXX. I have not had accounts through XXXX in over 20 years that I can estimate and not familiar with what XXXX XXXX is. 

2. I was a full-time stay at home care person for my father since early XXXX until he passed away in XXXX. That is how I am aware of dates when I became unable to pay any debts. ( I was unable to work in XXXX ). I had initially asked through credit reporting agencies to verify the information. Any final payments on any accounts I had personally were from before my time not working. I decided to dispute to clear up what the debts were and to get specific dates on any final payments made. 

I have repeatedly seen my credit accounts say ( consumer disputes ) and that's it. I have yet to see any documentation as to what these are and what dates they have assigned it being verified. My credit report states dates of XXXX which is not possible. 

I never even applied for credit anywhere after my father became ill because I was not working and my credit had already declined.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-11-12
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. (OH)

THIS IS NOT A DUPLICATE! And i did not authorize any loan nor did i request any loan with your company. At this time i ask you to remove this inquiry off of my credit report with Transunion due to the fact that i did not authorize this. I have here the FTC report with you all attached to it ( XXXX XXXX ) also attached to this complaint listing that this matter is now marked fraud. Please remove this inquiry off my record. thank you.
Consumer complaint received 2020-06-30
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet. 
On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}. 
Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement. 
One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}. 
The promotion check I used did not specify that it would be categorized as a cash advance. 
In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB. 
I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me. 
I used the promotional check because the offer stated that I would have 0 % interest for 12 months. 
Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year. 
XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee. 
I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.
Consumer complaint received 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-24
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. (NY)

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Consumer complaint received 2019-05-27
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have contacted XXXX XXXX about an error on my consumer report and it has yet to be corrected. Your last response to my complaint was my address, social security number, and bankruptcy account number were accurate. This leads me to believe that you NEVER read my complaint. I NEVER said these things were inaccurate but I pointed out some other things that were inaccurate and I even provided proof. However, you did not investigate the complaint properly or you just didn't do it at all. I have no clue what you guys are doing in your office or if you are actually doing your job. Once again I am challenging INACCURATE information that you have reported on my consumer report and I am providing you evidence that the information is INACCURATE. 

Here is the original complaint : I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from Pacer. I pulled up the documents from Pacer to make sure all information you were reporting was correct. It appears you did not get your information from Pacer. I have also included information from Pacer that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : The county you have listed is XXXX but it was not filed in XXXX XXXX. The county on the Pacer report is XXXX. The court name you have listed is Texas XXXX but that is not the name of the court the bankruptcy was filed in. The court name on Pacer is UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF TEXAS. According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my XXXX XXXX consumer file. I have reported this several times but nothing has changed. I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from PACER.
Consumer complaint received 2020-07-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

This complaint is in regards to an on going problem this mortgage servicer has cause us a great deal of stress.The company name the The Money Source. We pay our mortgage payment every month. We never miss a payment. Me and my wife are current XXXX XXXX  so one day we decided to break up our mortgage payment in two equal payment so we could always pay our payment before our grace period. We only wanted to pay it this way because sometimes we would have different bills to take care of so this would help us pay the mortgage more comfortably I didnt want a full paycheck to go all on the mortgage so we decided to just break up the mortgage payment one payment in the beginning of the month and the other payment in the second half of the month the payment always came in during that month never 30 days late. The whole problem started we called in To make a payment I regret doing this. The computer did a better job at keeping our mortgage payments accurate. So one day me and my wife called The Money Source to make a routine payment like we would just normally do this one representative applied the partial payment towards the principal instead of putting the pavement in the reserve account. So long story short we found out that this error had occurred months ago we found out the next year which was too late for us to adjust the payment so so our mortgage payment had the status of always being past due. I just happened to look at the mortgage statement months down the line me and my wife are both XXXX  XXXX so we do not look at the mail that often we just set up automatic payments using our bill pay when we called in to make the payments on a monthly basis.When we discovered what was going on we contacted the money source spoke to many people from the money source one person was able to identify the mistake and at that time they trying to correct it but they said that it was too late the year had already closed and they could not adjust the principal balance.therefore long story short we are trying to get a refinance right now and this has come back to haunt us this payment that was incorrectly applied to our principal rather than a complete mortgage payment I need someone to help me as soon as possible im in the process of doing a refinance and if this is not fixed asap I will nit be able to lower my mortgage payment to a more affordable payment thank you.
Consumer complaint received 2020-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

The indicated company, CMRE Financial Services Inc., has refused to acknowledge or send information on a disputed bill for medical services. The company has been contacted three times by mail and once by phone and advised said bill was disputed, and that prove of debt was requested and required. The aforeindicated company has continued to attempt contact by phone, despite the fact the company was advised not to continue said practice. Also, the aforementioned company has sent to the complainant letters threatening dire consequences such as blacklisting with credit reporting agencies if payment is not received. As of this date ( XX/XX/2020 ) no viable proof of debt has yet been received.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC XXXX ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within XXXX  days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately. 
Request for Documentation Under 15 USC XXXX ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC XXXX ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of XXXX  days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-14
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. (NC)

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (CA)

I have contacted Experian Agency many times before ; last time was on XX/XX/2020 and spoked to XXXX XXXX XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted Experian. I believe that Experian does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to Suprime Lenders, as many Studies proves that in addition to that 80 % of Experian Credit Reports have mistakes. Only a Criminal Enterprise will act this way, maybe they are. Obviously is known that Experian Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a Mafia. Only in America.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-11-14
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. (CA)

I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX