davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I submitted a FTC report along with a copy of my identification card and social security card. I called on XX/XX/2021 to see why i haven't received updated documents. I was informed that they never received my documents although they were certified and I explained that the receipt states it was delivered on XX/XX/2021. They still stated they do not have the documents and that I should resend them by mail again. They also stated that they didn't receive any documents from me since XXXX. Ok on XX/XX/2021 I resent the documents again by certified mail. The delivery date shows it was delivered certified on XX/XX/2021. I called today XX/XX/2021 to only be told ( by a SUPERVISOR ) that my documents still weren't receive and to the only thing I can do is resend them via mail. This company is playing with my credit profile but are also contributing to the identity theft that is already happening to me. How can a company be so careless with people important information. They constantly keep telling me that the documents weren't received, but I have the proof that they are being delivered to the correct address. So how exactly aren't you guys receiving these documents. If you aren't receiving them then who are? I feel that this company is being malicious and are not adhering to the FTC rules.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

Made a purchase with XXXX XXXX in XX/XX/2020 for the amount of {$2400.00}. The company, XXXX XXXX took the vehicle back and the money was missing on XX/XX/2020. The company, XXXX XXXX, kept trying to defraud, scam, con, and swindle me out of more money to get the the vehicle from them. Citibank was notified of the issue. Issue is not resolved. Please see attached.
Consumer complaint received 2020-08-31
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. (FL)

I have tried to use the web page of experian and it does not work to submit a fraud alert then I have tried to call them and you can not get a person on the phone, at all. Just a computer. They need to be held accountable.
Consumer complaint received 2021-12-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (IL)

Received a phone call from a locator who asked if they were speaking with me. When I answered yes, they immediately asked for my address. No forms of verification, just wanting my address. When I asked for what, he answered that I had a claim and gave me the number to XXXX XXXX ( XXXX ) and a claim number ( XXXX ). The representative went about trying to use scare tactics to get me to pay a debt that I was unaware of. I have received no credit reports for this debt, I have received no documentation of its past due payments or even any information that it would be sent to a collection/claims agency. Ive been threatened with a fraud charge and jail sentence. The XXXX XXXX  is using harassing and scare tactics in attempts to collect a debt. When asked for documentation, they refused, saying I could call the loan agency and theyll verify that they are now in charge of the debt.
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (NM)

I took a loan with Speedy Cash in XXXX or XXXX XXXX it was my third loan, as I am lower income and needed cash. I couldn't pay it back in full after other financial hardships, and stopped them from taking the excessive payments from my bank account by closing my account. The two previous loans I had paid in excess of 300 % interest on {$300.00} loan. This last loan I believe was {$350.00} or {$500.00}, but I no longer have access to their login to see my account. 

In XX/XX/XXXX, they sent me a summons from my county courthouse. I responded timely, but asked them to provide me proof of the loan and the balance due. They were asking for over {$1800.00}. Per the Fair Debt Credit Protection Act, they had thirty days to provide me proof of the loan debt and the balance owed. They did not. 

on XX/XX/XXXX, I get an email from XXXX ( no last name was given ) at XXXX, stating I was to appear in court via phone ( due to Covid-19 I assume ) and a copy of the summons was attached, showing I had a phone court date for XX/XX/XXXX. No time given, and still no requested documentation was given to me. 

Today, I emailed this XXXX to inquire on the time of the court appearance. I received a response, with a totally different Notice of Hearing form I had never before seen or was given to me,. with the same XX/XX/XXXX date, and a XXXX hearing ( conveniently this Notice of hearing now had a time listed, as the previous one did not ). I now have to take a day off work to deal with this, and i still have not received the documentation I asked for, as provide by law ( FDCPA ), and I am not about to give thousands of dollars to this predatory payday loan company. I am considering taking legal action in the form of a class-action lawsuit, which by an online search, they have had several against them. 

I feel that after paying off two prior loans with them at astronomical, predatory interest rates, and falling victim to hard times shortly after this loan was taken, i should not have to pay back anything more than the original loan amount plus the annual normal interest rate of 18 %. 

I also have further documentation at home from the XX/XX/XXXX summons and my response to them, if I can send that to you as well.
Consumer complaint received 2024-03-22
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-07-01
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. (NY)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

There is an inquiry on my Equifax credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX  XXXX and Equifax and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to Equifax about this not being me that attempted to establish a line of credit with this company. Equifax has refused to do anything.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance is closed on my XXXX  and XXXX  report, but XXXX  keep the account open Due to Credit Acceptance lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2020 I sent dispute letters to this Credit Bureau disputing the unverified accounts XXXX XXXX, XXXX XXXX  and XXXX XXXX! 
I did not receive a response from this Credit Bureau neither in XXXX nor did I receive a response in XXXX indicating that an investigation has not been done. it has been well past 45 days and I am not understanding why I have not received a response. The address is correct on my dispute letters and I enclosed the proper documentation to start the investigation. So I'm contacting the cfpb to get this issue resolved Andmy investigation started. It has been well past 30 to 45 days and these accounts should have been deleted according to the laws of the Fair Credit Reporting. I sent in a third dispute letter XX/XX/2020 asking for removal of the unverified collection accounts because they are 30 days past the investigation time and I have not received a response and I still haven't received a response from this Credit Bureau. please cfpb help me with this issue. Thank you
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (MD)

I have disputed the reported information and notified several times of the inaccuracies, inconsistencies across reporting agencies and fraudulent duplication. See attached from my XX/XX/XXXX credit report. I was not notified of debt prior to reporting by Ability Recovery to credit reporting agency which is a violation of my right to validate and verify prior to continued collection efforts.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancellation of Debt ) from the following charged off accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After checking my most current report the updated information stated the account was purchased by A COLLECTION AGENCY. 
XXXX Account XXXX was purchased by XXXX XXXX XXXX XXXX 
These accounts can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form.
Consumer complaint received 2020-08-31
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

I had an unpaid bill of {$91.00} from XXXX XXXX, my internet provider. I never received an email notification about it. I was also in the middle of a move and don't recall receiving paper mail about it. I found out about the debt being in collections a couple of years later, only after my mortgage lender ran a credit report, as I'm preparing to buy a new house. I was advised by my lender to reconcile the unpaid debt and also ask the debt collection agency to " delete '' the debt from my record. I called CCC to pay off the amount, and I also asked a representative to " delete '' the debt, but she said it was company policy to only " update '' it. I said it should be illegal for a {$91.00} debt to impact a credit score and the interest rates on a 30-year mortgage. I told her that the CCC was messing up people 's futures. I asked to speak to a manager or supervisor ; she said it was company policy, no matter who I spoke to. She urged me to go to the CCC website, if I wanted to issue a formal complaint. It is misleading, deceptive and manipulative to let such a small debt ( from an internet bill ) impact someone's credit score so drastically. It is completely unethical and NOT in the interest of the consumer.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (TX)

I have recently checked my credit reports and found a couple of accounts listed as collections accounts that I have no knowledge of. The listed company goes by the name of AFNI, INC. I've checked all of my files and records and was never able to find any bills connecting me with the listed company. I immediately disputed the accounts on XX/XX/20 but received a response that the account was updated with no change. I have reached out again requesting the company send me proof that I was indeed the one responsible for the bill that they claim I owe but still have yet to receive anything. This is affecting my credit in a negative way, and I plan on refinancing my home and as well as purchase a new car for my son who will be headed off to college after his senior year. Please help me get this issue resolved. Thanks
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

XXXX I was a victim of a wire transfer scam, I notified the bank immediate about this action and told them that did not approve of this action. 
I had all my account change plus passwords, I have notified the bank about this situation that I did not approve of this transfer. 
Wells Fargo has sent me letter informing me that the problem is closed because I approved it. 
XXXX XXXX was taken out of account case number XXXX the person that took money was XXXX XXXX from XXXX bank
Consumer complaint received 2020-08-31
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX  Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services.

In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX  and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (LA)

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. CLIENT SERVICES, INC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. 7018 3090 0001 0743 8142. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
Consumer complaint received 2020-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NC)

I contacted Macy's/DSNB on XX/XX/2020 regarding a delinquent account on my credit report. I wanted to settle the amount, since the credit was for {$300.00} and the amount owed is {$550.00} ( past due ). They informed me that the could not handle the account and then provided me with another number, XXXX. I then contacted them to see if I could settle the account since I do not have the {$550.00}. They informed me I was not eligible for a settlement ( something about the 7-years statute of limitations ) and could only take care of the account if I send them a MO, check via mail in the full amount. They indicated this was law and I told them how I was not informed about this until now.
Consumer complaint received 2020-08-31
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. (GA)

InXX/XX/2020, I disputed the problems on my credit file with all 3 bureaus which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me likea number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.
Consumer complaint received 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$4700.00} XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$6000.00}
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, XXXX # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. JEFFERSON CAPITAL SYSTEMS , LLC  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$830.00}. JEFFERSON CAPITAL SYSTEMS , LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.