davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

This complaint is for XXXX XXXX XXXX XXXX XXXX, and XXXX : Receivables Performance Management , LLC. In XXXX I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called XXXX. The leased vehicle was returned to XXXX  according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from XXXX XXXX, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. that there was any deficient balance or any balance owed. I do remember, even though this was almost 4 years ago, after I returned the vehicle, calling the leasing company to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with them that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost 4 years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX which complies with XXXX XXXX. XXXX, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX is trying to comply with the federal statue but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, XXXX  who later bought them out and is now also out of business. Since XXXX  is out of business I have no way contacting them to get access to my customer account. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the one notice I received XXXX almost 4 years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint agains XXXX who is representing a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (NC)

Called me numerous of times saying I owed a debt asked them to send correspondence from The originator company and from Them numbers is of times stated that I will have 30 days to investigate and respond back! I finally receive A letter from the collection agency late XXXX but only the agency not from XXXX or from the company they say I owe the debt too! Letter is dated XX/XX/22 and they placed the debt on my account XX/XX/22! 
Called the phone number XXXX disconnected!
Consumer complaint received 2018-05-20
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)

I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

While reviewing my personal information due to the Equifax breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have never entered into any verbal or written contract/agreement. I have not wet ink signed any documents nor authorized any electronic signature to execute this or any other account with this company. Someone has gotten a hold of my documents and applied to receive this account acting as me without my knowledge. 
Delete the following accounts : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX XXXX GA XXXX not my address
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Earnest Inc. (IL)

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. However, this is exactly what this company is doing because of not being properly qualified and being unprofessional, relying on automated systems vs. dealing with each lender personally, not doing due diligence in checking for all required documentation and discriminating consumers purely due to their misunderstanding.

First they harassed me with constant marketing mailers claiming that I'm pre-approved for the loan ( XXXX credit score, extremely healthy credit, no derogatory marks at all ). They then denied my application not based on my credit worthiness, but because they discriminate me based on my origin and because they don't have professional services in place to understand my immigration documents and moreover, failed to contact me prior to decision to ask for additional supporting documents. They claimed that my green card expired, even though at the time of application I attached the official stamped extension letter ( form I-797- notice of action of the petition I-795 ) received from the USCIS , stating that my green card and immigration status are in order. I also additionally attached form I-795 ( which is previous step prior to getting extension letter- form I-797 ). My immigration status is already set, and I already even got the approval for green card extension, and their automated system was asking for some other irrelevant form I-90 ( which in only requested after you had a card for 10 years. I had mine for 2 years only, which was shown on the card submitted, and in that case form I-I-795 is requested, not form I-90 ). That made me eligible to receive any type of loan in this country. They however failed to research into this ; didn't contact me to correct it ( never e-mailed me with specifics of question, never called me ; just updated status in the system rejecting my application ) ; thus illegally basing decision on incorrect information. I would not authorize a credit inquiry had I known that the company doesn't understand requirements for the documentation. Nowhere in their marketing attempts or rules do they state anything related to required documents, number of attempts they will make and their ways of handling such cases. And their lack of professionalism caused me damage ; created inconvenience, and made me waste my time while I was waiting for response for more than 3 weeks, not even talking about damaging my credit score. Even after that, they failed to communicate with me and call me to correct their mistake. 
Incredibly bad service. I'd like consumers and financial administration to be aware of that. They don't perform a due diligence prior to making decisions on loans, they fail and thus fail consumers and government.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

On XX/XX/2021, I graduated from secured to unsecured account. My check # XXXX for my initial XXXX $ deposit I have not received. I understood the time frames may have been delayed due to holidays, but we are well past that. 

Check issued - XXXX - XXXX $ # XXXX and not received. 
I called regards several times but finally escalated to a supervisor on XXXX - spoke with supervisor she said she put in a stop payment verified my address as correct. Stated that my XXXX XXXX was on the line XXXX and she corrected it. 
XXXX - called spoke with a supervisor XXXX - spoke with a supervisor- was promised a call and resolution on by XXXX no call was connected. 
on hold for XXXX + minutes/ no one called back/had to call back XXXX - Supervisor stated someone was scheduled to call me back with a resolution- to day is XXXX. 
XXXX The supervisor insinuated that she was going to put in another request for my check to be sent. I stopped her because this would be the third time and according to their policy the XXXX time the check should be issued as direct deposit to my XXXX. This also did not happen. I am XXXX and XXXX  of promises made but nothing kept. I feel like they are stealing from me at this point and I want this resolved! I have called several times with no resolution and just the run around. Everyone has been nice, the customer service is not the issue. I would like my money back to me the fastest way possible. If it is in a check form, it needs to be expedited, certified mail. If it is XXXX, that would be even better.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collections, Inc. (MS)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (VA)

I received a letter dated XX/XX/2022, allegedly from Cedars Business Services, a legitimate collections agency. The letter states that I am seriously past due on a debt of {$470.00} to XXXX. I do not have a credit account with XXXX. Anything I have purchased from them has been paid for with my personal XXXX. I checked my credit reports on XXXX, XXXX and XXXX and there are no collections on my record. The Pay by Phone number on the letter does not match the pay by phone number on Cedars Business Services website. 

Since I know this is a scam based on the information I have provided, I am not responding to this letter in any way.
Consumer complaint received 2022-02-19
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. (CA)

XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

I've had a representative contact IQ international data multiple times to try and get a validation letter sent and attempt to resolve the issue. This company verbally agreed to honor a pay for delete agreement. Letters are now being returned in an attempt to get this agreement in writing. Any time they are called now, they continue to transfer the call until voicemail is received and calls are never returned. This remains on my credit report for another 2 years.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2023 I received mail from Transunion. They now have two different files for me with the same date of birth and social security number but two separate names. I had a legal name change on XX/XX/2023. My legal name is XXXX XXXX XXXX but transunion is using my old legal name ( XXXX XXXX XXXX ) for my credit report and now they are using my new legal name on a different credit report. This is absolutely ridiculous. I have sent them the court documents and my new Driver license and my new social security card and yet they remain incompetent to handle this and update my information. This needs to be handled right away. I now have two separate cases open on this company. Every time I call I have to wait hours to speak to someone and not one person knows what they are talking about. I did finally speak to one lady her name is XXXX XXXX and she is the supervisor for customer service with the XXXX department. However, the issue seems to be getting worse since now I have two credit files open because they are incompetent.
Consumer complaint received 2023-07-23
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. (NY)

I have been the victim of identity theft, due to the identity theft there have been several accounts opened up using my information that I did not open nor did I authorized it to be opened up using my information.
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted XXXX and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one XXXX  account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed XXXX about the issue so I would have written documentation of the issue at hand. I finally got XXXX 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from XXXX ) called from XXXX, NE XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though XXXX says it's not.
Consumer complaint received 2023-07-23
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. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

All my XXXX accounts were compromised and I had XXXX close them due to the excessive Fraud that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.
Consumer complaint received 2023-07-23
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. (PR)

Dear Consumer Financial Protection Bureau representative, I recently reapplied for credit at a few companies but all credit applications were denied, despite having excellent credit. For the credit denial, both companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) claimed that they could not approve my credit application because they DID NOT RECEIVE MY EQUIFAX CREDIT REPORT.

I have already filed 2 complaints against Equifax but Equifax has never done anything to resolve my situation, see Exhibits 1, 2, 3 and 4 ). Equifax only replies requesting more information and documents. I send all the requested documents and they get back to me asking for additional documents. In fact, on XX/XX/2023, I mailed the third round of requested documents ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, and Exhibit 6 ) Why doesn't Equifax send my credit report to these and other companies where I apply for credit?

However, I have online account subscriptions with Equifax ( Exhibit 6 ), XXXX and XXXX and I can access my credit information with all three companies without any problem. At the time of writing this complaint, my credit scores with Equifax, XXXX, and XXXX are 810 ( Exhibit 6 ), 834, and 826 respectively. These credit scores were obtained directly from my online subscriptions with Equifax, XXXX and XXXX. All are considered excellent credit. I recently applied for a car loan in the amount of {$42000.00} and the credit application with XXXX XXXX XXXX was immediately approved with my credit information obtained from XXXX. 

This abusive and discriminatory situation on the part of Equifax has created great anguish, despair, frustration and health problems for me and my family in my XXXX XXXX XXXX XXXX. I needed to buy construction materials at XXXX XXXX to make repairs and improvements to my home. I have not been able to make repairs to my home because XXXX XXXX denied my credit application because they could not access my Equifax Credit Report. Such suffering, anguish, despair and emotional problems have caused me great economic losses and health problems. For the damages caused by Equifax 's attitude, I demand compensation in the amount of {$50000.00}.
Consumer complaint received 2024-10-12
Product: Credit reporting 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. (CA)

I filed a couple of complaints through CFPB about Equifax because incorrect credit record. They retaliated me by lowering my credit score significantly to punish me. Please update my credit score by using correct and updated data.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MD)

I have a car loan with XXXX XXXX for the past XXXX years and have been requesting a amortization schedule or the ability to view my account monthly as far as how my payments are being posted ( as far as interest and principal payments ). In the last 6 months I have requested this info 4 times and have yet to receive any useful information. I am told by customer service they send the info to my email address each time and I have not received anything from them. The website only shows the current balance and I feel that balance is not correct since I paid XXXX extra in payments over my monthly payments that I am not sure have been posted. Also, the balance that shows changes daily ( customer service says because interest is accrued on a daily basis. ) The only thing that the website is good for is making payments and looking at a balance that might not even be correct. 

I feel that a detail copy of your account should be something that the customer should not even have to request from them. After I got this loan I have read so many negative things about this company that I just want to be able to monitor my payments and try to pay it off as soon as I can. Also, my account number has been changed but I was told by customer service not to use the new account number. Question? If it is not the number I should be using then why was it changed? No one seems to be able to answer that question? I'M JUST SAYING!!!!!!!!!!!!!!
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NM)

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 States " I have the right to Privacy ''. 15 U.S.C 1681 Section 604 A section 2 " it also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2024-10-18
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. (TX)

Im not liable for this debt with XXXX XXXX XXXX  I do not have a contract with XXXX XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )