davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

I am filing this complaint regarding Halstead Financial Services and XXXX, which has been attempting to collect a debt that does not belong to me. Over the past two years, Halstead Financial has persistently contacted me, despite the fact that this debt does not appear on my credit report and is not associated with me in any way. I have made multiple attempts to dispute the debt, yet they continue to pursue collection efforts. 

They have been sending all communications to my secondary email address : XXXX. I have received numerous emails from XXXX XXXX regarding this erroneous debt on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ongoing and relentless communication, despite my disputes, has caused significant stress and frustration. I will be attaching all correspondence related to this issue for review. I request that this company cease all contact and take immediate corrective action to stop their collection attempts on this non-existent debt.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reviewed my most recent TransUnion credit report and Ive found inquires that I did not authorize. Ive already sent in a dispute, and filed a FTC Report. I have not applied for credit cards, loans, or requested any extension of credit from : XXXX XXXXXXXX XXXX XXXXXXXX, Dated : XXXX. These unauthorized and unverified inquiries are results of identity theft and must be deleted. I have attached the FTC Report and I.D . documents.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

The XXXX XXXX XXXX account is reporting inaccurate credit limit and balance and payments late XXXX on XXXX and 90 days on Experian which is very incorrect I will like to have this account remove from my report as soon as possible thank you so much
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (LA)

I have XXXX accounts with Concora Credit, approximately in XX/XX/scrub>XXXX XXXX I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis because they are a bank.
Consumer complaint received 2022-11-28
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

My information was involved in the XXXX XXXX breach and also the XXXXXXXX XXXX XXXX XXXXXXXX Data Breach and i do not Recognize a lot of theinformation and inquiries on my credit report Listed Below. According to 15 USC 1681 which governs access to consumer credit report records andpromotes accuracy, fairness and privacy of personal information assembled by CRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (LA)

I contact the company back XXXX XXXX about my financial hardship and they refused to work with me saying they are a bank and they dont offer those type of services when you are going through financial difficulties.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-05
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting 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. (MI)

There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/20XXXX XXXX XXXX XXXX Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Good Evening, I had asked that I need to see all paperwork and contracts, disclosure with my signature that would verify ownership. And I specifically outlined that just automated statements don't validate the debts under the provisions of FDCPA of request to validate the account to its entirety. If they can not provide documents required, and all the paperwork, they must remove the account immediately. They keep sending me random information that doesn't fully verify the account and I came across several cases where plaintiffs won the same cases from this company Midland for  failing to provide all the documents. Look at the attachment specifically to the case of State of Texas vs. Midland Funding LLC. And the same thing has happened to me. I need help resolving this and remove from my account for failing to fulfill all the requirements. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection  activity.
Consumer complaint received 2024-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have been paying this loan off for 17 years and the balance has not decreased, nor has the payments been reduced to an amount that I can afford regardless of my many requests. Furthermore, I requested the School Misconduct Discharge Application because not only did my school close and lose accreditation, but the administrators were also prosecuted for financial crimes. This debt should be forgiven at this point.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and haro inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-14
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. (PA)

ON XX/XX/year>XXXX  I XXXX XXXXXXXX XXXX XXXX XXXX A CEASE & DESIST ABOUT REPORTING FRAUDULENT INFORMATION ON MY CONSUMER REPORT.
Consumer complaint received 2023-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

On XX/XX/XXXX  I contacted Mohela to request a refund on my payments made during the XXXX pause. I was told this would be filed and I would receive the refund within 60 days. I called back a week later to confirm it was submitted, and was told that as my payments were made with XXXX prior to Mohela, my refund would take 60 days. As of XX/XX/XXXX  I have not received this refund. 

On XX/XX/ I submitted a written requested via Mohela for a payment history. On XX/XX/ I was told I would receive this information within 30 days. As of XX/XX/ I have not received this payment history document. 

On XX/XX/XXXX  I contacted Mohela to follow up about the status of the refund requested on XX/XX/XXXX  and I was told it is now 90 days, not 60 days for this refund request. During this call I also requested the status of my written payment history request from XX/XX/2023 and I was told this is now 60 days, not 30 days for this request. 

I have been given a different timeline each time I follow up about the status of my financial situation with Mohela. They are inconsistent with what information they are giving their consumers and this information should be transparent from the beginning, which it is not.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (TX)

On XX/XX/year>, I mailed a dispute letter to Equifax via USPS-certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I disputed the inaccurate reporting of several negative accounts, and a bankruptcy with discrepancies. To ensure that my identity was properly verified, I included a copy of my government-issued ID, Social Security card , and recent proof of address.

Despite providing all necessary documentation, Equifax has failed to respond to my dispute within the required time frame mandated by the Fair Credit Reporting Act ( FCRA ). Equifaxs failure to conduct a reasonable investigation or respond to my dispute constitutes a violation of my consumer rights under the FCRA.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc. (IL)

I had an account with XXXX XXXX XXXX. 

This account was in use at an old apartment of mine from XXXX of XXXX to XXXX of XXXX. In this apartment, I became financially incapable of making payments due to a year of unemployment and eventually running out of the benefits. I turned to a program the city of XXXX offered to assist me with this bill but did not receive the aid. As a result, there was a remaining balance on the account which was sold to a collection agency. 

I provided a detailed letter explaining my circumstantial set backs to the collection agency, Torres Credit. I also requested that the company remove this collection report from all three credit bureaus reports. 

A representative reached out via phone requesting that I pay {$150.00} in order for them to remove the collection from all three credit bureaus. I explained to the representative that I am financially incapable of doing so.
Consumer complaint received 2024-09-14
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. (IN)

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 2024-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

This is a follow-up to a previous complaint. My absolute nightmare of an experience with Citi, has continued on, for XXXX months. 

After what seems like hundreds of attempts to get through to Citi, Im still unable to access a savings account, that was opened with the company in late-XXXX. 

The account was flagged in earlyXXXX, with possible fraudulent activity. The account then became inaccessible. After weeks and weeks of calls to customer service, online attempts, and even this method the company simply wont allow me to access the account. Multiple attempts to verify myself with customer service, have gone unsuccessful. Despite providing name, social security, ATM card #, Im denied access for not knowing account number ( how could I? I cant access the account ) or a security word or phrase ( which I have no recollection of setting up ). The representatives are less than helpful, and frankly are not very good at speaking XXXX. 

So, Ive been left to try to access the account through ATM card. Problem is, by the time issue was resolved on Citis end, and the PIN was arriving for original card ( several weeks later ), the card had been deactivated by Citi. Then, they send correspondence telling me the account is being closed. I think, great! Now I can be done with this company.

The next day, receive another letter just kidding, the account isnt closing. Later, Im sent a second ATM card. But, now, its been over a month, and the PIN hasnt been sent. 

I have been stuck in limbo with {$6000.00} dollars for over two months. I simply want this ACCOUNT CLOSED. I WANT NOTHING ELSE TO DO WITH THIS TERRIBLE COMPANY. I just want my money back. Is that so much to ask? I am BEGGING for help, here.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. on XX/XX/XXXX and XX/XX/XXXX a debt validation letter was sent This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BRCLYSBANKDE XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 

Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX