davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2018-09-25
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: ENCORE CAPITAL GROUP INC. (LA)

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (FL)

XXXX XXXX was tasked with comparing and contrasting XXXX reports. XXXX XXXX CONFIRMED IN WRITING that it failed to compare and contrast the XXXX reports. 

Upon receipt of the very first fraudulent bill, XXXX XXXX headquarters was called. A XXXX representative stated that the fraudulent bill would never be sent again and that the fraudulent balance would be brought to {$0.00}. 

Subsequently, CMRE delivered a collection notice on the fraudulent account XX/XX/2018. On the very day that fraudulent notice was received, a dispute was delivered to CMRE via both mail and fax. On XX/XX/2018, CMRE ignored that dispute, failed to even attempt to validate the fraudulent claim made by XXXX XXXX and attempted to collect on the fraudulent claim. 

This illegal tactic was again attempted on XX/XX/2018, when I phoned CMRE to remind the company that it failed to validate the fraudulent claim made by XXXX XXXX. During that call, I notified the collector that this complaint would be filed. His response was " Do what you have to do. ''
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (WA)

I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.
Consumer complaint received 2018-09-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX in which they claim to have reviewed their records and refused to remove from my record derogatory information they provided the credit bureaus. This in spite of records from my bank statements listing dates of payment that show I have never been late with my payments due on the XXXX of each month. I also provided to them the court document showing payments for the automobile in question were never part of a Chapter XXXX as they reported. ( see attachments ).  Consequently, I must now ask my attorney for legal advice on how to proceed.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Recovery Services, Inc (CA)

I was in dispute with XXXX XXXX over auto damage I caused to a XXXX  customers car and was attempting to come to a resolution. Instead XXXX  sold the debt to XXXX XXXX XXXX in XXXX XXXX, CA ( XXXX : XXXX ). 

I was contacted by a representative of XXXX XXXX XXXX ( I do not remember his name ) and he threatened that if I did not pay immediately or provide my insurance carrier info he would report the incident to the California DMV and my license would get suspended for driving without insurance. And because the DMV only sends notification via mail, I could get arrested for driving with a suspended license during the time between the suspension starting and the notification arriving in the mail. 

A second representative from Accelerated Recovery Services ( XXXX XXXX ) called both of my parents at their place of business and left voicemails claiming to be a XXXX XXXX XXXX representative, saying that the message was for me that she needed to collect on the debt I owe. She then called me later that day. She threatened that if I did not pay within 24hrs XXXX XXXX would be forced to file a lawsuit against me to collect the debt. I tried to call her back the next day and she didnt pick up. she called me back and left a voicemail saying that I needed to call her back by XXXX  that day.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

First, please see complain # XXXX -- XXXX, to which company replied with an unsatisfactory letter, dated XXXX XXXX, and refused to provide requested interest rate information and on how a refund on one account ( XXXX ) was calculated and what the calculation was on another account ( XXXX ), for which no refund was offered. 

Without the requested info, customers and maybe even the CFPB, are not able to determine if company responded properly.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: First Associates Loan Servicing LLC (NY)

XXXX XXXX took out XXXX XXXX loans in access of {$40000.00} around XX/XX/2010, Interest as high as XXXX percent on one loan. XXXX wont work with me to offer lower payment options. I have used their forbearance period for all 3 loans.I pay over {$800.00} per month.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MI)

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Consumer complaint received 2018-09-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY)

Thank you for taking the time to review this comment. 

My name is XXXX and I am writing a correspondence to make a formal complaint against Financial Asset Management Systems. I have been called 3 times daily on a consistent basis. On the occasions I have answered the calls I was immediately asked to verify my social and full name.

I simply responded " Before I give away my personal information I would like a formal letter in the name verifying your business and the debt to be collected. '' I was then transferred to a manager who said they had sent me a letter. I have yet to receive a single peace of paper correspondence from Financial Asset Management Systems. 

These practices are not only unprofessional, but a clear violation of my rights under the FDCPA.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Supreme Solutions (MN)

The two companies that are involved is XXXX XXXX XXXX and XXXX XXXX XXXX, The companies have not came to an agreement on a pay off and my credit is now been effected. Since I traded my car in to XXXX XXXX, The complaint is that XXXX XXXX XXXX believes that XXXX XXXX owes money still, XXXX I dont mind feels XXXX XXXX XXXX is trying to get more money out of them the necessary, I need help with my credit being fixed because XXXX XXXX XXXX Has falsely reported on my account and I have lost XXXX points in total and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible, Has falsely reported on my account and I have lost XXXX points and total and my payment was at a XXXX XXXX and now its at a XXXX and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible thank you
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, XXXX, Experian shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (OH)

I paid {$1700.00} on XX/XX/2018. 
My escrow increased in XX/XX/2018 by approximately ~ {$57.00}. 
Instead of giving me credit for most of my payment and telling me that I missed my escrow difference. They did the following : -Applied the XX/XX/2018 payment to my principle -Charging me for two monthly payments -Charging me a fee of {$50.00} -They called me and threatened my credit I made a payment, but I don't think that I should have to make three payments to overcome an oversight of an escrow increase. 
The company is Arvest Central Mortgage. They are an untrustworthy group of hucksters.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 2018-09-26
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. (MA)

On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

They called me IQ Data International.. on XX/XX/18 I had no idea I had two things in collections..

The guy was screaming at me and using abusive language with me, threatening my credit if I didn't pay the full amount on that day.. he wouldn't even give me options to pay, or give me time to THINK HOW i was going to resolve the issue. 

I felt violated and highly disrespected.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (CT)

This is my third complaint against Halsted Financial Services , LLC . They keep calling me despite my request almost a month ago to stop. I filed complaints which were responded to by XXXX XXXX of Halsted Financial Services , LLC . I spoke with him personally and he assured me the calls would stop. The next day I received 1 call, and today, 5 days later I've received 4 calls within a few hours originating from  XXXX caller IDs. It is my hope CFPB is able to take further actions against Halsted Financial Services, LLC for what I now consider gross disregard of my requests.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX - {$520.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC (NE)

On XX/XX/2018 a cashier 's check was issued in the amount of {$740.00} to XXXX  from XXXX as a credit consolidation and was mailed to XXXX with a tracking number. All of the appropriate information was on the check such as account number and name and also had a statement stub attached to the check. XXXX   received the cashier 's check on XX/XX/2018 and still has not processed this payment. XXXX can not cancel and reissue this due to it being a cashier 's check. LendUp is refusing to credit my account for this amount and in the meantime I'm still paying a minimum payment to them every month so it won't affect my credit score. We have the tracking information that they received it as well as the check stub saying that it was written. They are saying they can't find it and we should have paid it online.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX  XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX