davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My wife and I are both unemployed we ask for a forbearance which was grant for 3 months. After these three months we where still unemployed and ask for an 3 months forbearance or at least another three months forbearance which we where declined. They sent us a bill to start the repayment it went from {$800.00} to {$1000.00} according to the Care Act they are not suppose to up our bill. I can not make the payment and need help but they refuse to do anything to help. All they did was tell us to stop paying any federal loans and pay them!! I dont have any federal loans!!! I need help not my bill going up. I want to pay my bill but I need some help right now which they are unwilling to work with people that have been impacted by Covid which we did not ask for
Consumer complaint received 2023-03-13
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$600.00} XX/XX/2016
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (NV)

The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : States I have the right to privacy.

15 USC 1681 Section 604 a : Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX XXXX XXXX XXXX or an attempt to commit XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be XXXX XXXX XXXX 
Also the Credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-04-12
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

XX/XX/XXXX Good afternoon CFPB- Consumer Financial Protection Bureau Complaint Dept. , How are you? 
A friend shared your website with me yesterday and I came across this information regarding Lexington Law Class A & B Civil Penalty Fund : Consumer Education and Financial Literacy.

One class of consumers received an allocation of {>= $1,000,000}. These are certain consumers who made a payment to Lexington Law or XXXX from XX/XX/XXXX through XX/XX/XXXX. This allocation covers 100 % of eligible consumer harm. 
Lexington Law Class A {>= $1,000,000} Lexington Law Class B {>= $1,000,000} I paid for Lexington Law Services from XX/XX/XXXX XX/XX/XXXX. Below you will find one of the individuals that I emailed and a screenshot of all the emails from XXXX XXXX from Lexington Law firm. 
Are there any more Civil Penalty Funds available? 
Please advise if Im privy to any of the Civil Penalty Funds : XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX from Congress to provide relief monies from companies that have broken and breaking federal consumer financial protection laws. 
Thank you.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

The following note was sent to Experian website on XX/XX/XXXX and no reply was received : I want to cancel any subscription you may be holding for myself XXXX or my wife XXXX and want full refunds for all prior charges of {$21.00} each on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would like an email reply plus a phone call at XXXX Your numerous customer service numbers on line are impossible to use and I do not wish to give you my social security number. 


The following letter was mailed to Experian on XX/XX/XXXX on XX/XX/XXXX and no reply was received : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Madam/ Sir : This letter is to formally dispute your monthly charges of {$21.00} from XX/XX/XXXX to XX/XX/XXXX ( inclusive for 13 times ) to receive a monthly credit report. This was not authorized by myself, my wife, or by my daughter XXXX. These charges were made against my personal credit card. 
I would like a full refund made immediately and to stop all future charges. 
I can be reached at the address, phone, and email below.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (NY)

XXXX XXXX XXXX , XXXX has placed me into a personal debt collection notification with XXXX for a utility bill with XXXX XXXX XXXX XXXX. The debt amount of {$440.00} is owed from a property I no longer reside in which was from XX/XX/XXXX according to XXXX XXXX, XXXX. This debt must be paid by me personally. This was addressed on XX/XX/XXXX with XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX XXXX has notified me that the debt collection is official as of XX/XX/XXXX and there was 25 point credit score reduction. As of XX/XX/XXXX at this time XXXX XXXX XXXX , XXXX has not received a meter reading statement nor a utility bill for this debt. On XX/XX/XXXX I meet the written requirements of drafting a letter correspondence and mailing the meter and bill requests to XXXX XXXX  XXXX XXXX XXXX, NY XXXX requested by XXXX XXXX ,  XXXX based on my direct phone dialogue with XXXX XXXX, XXXX. There was a follow up call with XXXX XXXX XXXX , XXXX on XX/XX/XXXX in regards to them proving a bill, a proper contact with the Utility and there was differed statement that the manager is out of the office and would speak to me on Monday XX/XX/XXXX. I pressed again the notion to the agent from XXXX XXXX XXXX , XXXX which was do have bill for this debt and the agent debt collector wanted to get off the phone when I recited IRS and Federal Energy Regulatory Commission Obligations that the utility must proceed to provide in record keeping.
Consumer complaint received 2023-04-12
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. (GA)

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1600.00}
Consumer complaint received 2024-05-08
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: AMERICAN EXPRESS COMPANY (CA)

HELLO MY NAME IS XXXX XXXX I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

I am writing to dispute the validity of the debt claimed by Amsher Collection Services , Inc., as well as to address multiple violations of my consumer rights under relevant statutes, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ).

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite not providing validation information as required by law, Amsher Collection Services , Inc. has placed a collection entry on my consumer report.\n 2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question, which is a direct violation of my rights under the Code of Federal Regulations.\n 3. Violation of Consumer Rights : Amsher Collection Services , Inc. has engaged in misleading, misrepresentative, and deceptive practices, further violating my consumer rights.\n 4. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : Amsher Collection Services , Inc. has furnished my account to consumer reporting agencies without providing the necessary disclosures required by law, thereby violating my rights as a consumer.\n Furthermore, I am disputing owing any and all debts to Amsher Collection Services, Inc. . I request immediate validation of the alleged debt as well as the following : * A copy of the purchase agreement between Amsher Collection Services , Inc. and the original creditor.

* Proof that Amsher Collection Services , Inc. is licensed and bonded to collect debts in FLORIDA
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (IA)

Our church continually receives physical mail and phone calls from Biehl & Biehl out of XXXX XXXX, IL stating that there is a past due amount due to XXXX. Our church has never had an account with XXXX. Further, the documents this company provides have a gross misspelling of a former employee 's name ( her actual name is XXXX XXXX XXXX XXXX, which they spell as " XXXX XXXX XXXX XXXX. '' She would have had no reason to use XXXX services, which are not even outlined clearly on the obviously falsified " invoices '' Biehl & Biehl has provided. The XXXX logo is pixellated and unclear. The name is clearly wrong. Charges are vague at best. We have filed a complaint with the XXXX XXXX XXXX, and have notified Biehl & Biehl as such. There are NUMEROUS complaints against this " company '' on the XXXX website. They need to be investigated and shut down.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights .

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has a lien on the car but the car was never ours, we received our loan through XXXX. Spoke with chase & they told us they couldnt tell us much since we were not the authorized user. We purchased our car from XXXX XXXX XXXX in XXXX XXXX, we were never told the car had a lien on the title or a salvaged title. They also never disclosed anything regarding an accident the vehicle had been in prior. How they were able to get a loan through XXXX XXXX while a lien from Chase auto finance was on the title I am not sure. Spoke to chase auto finance & they stated they did not repossess the vehicle or know the whereabouts, she stated that the loan had an outstanding balance but could not tell me how much or who owed since we do not have the loan through them, they stated they own the car since the lien was never paid for & they basically own the title. We put XXXX down on a car that we were never going to own & was never ours.
Consumer complaint received 2023-04-18
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. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2023-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-15
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: Continental Finance Company, LLC (PA)

Going back well over a year with XXXX XXXX  credit card through XXXX XXXX XXXX someone ordered someone opened up numerous accounts and tried to pay my card off I've been trying literally for over a year without a card with multiple accounts open and someone trying to pay on it that certainly Bank I'm XXXX won't do anything I want this I want it resolve I even have a case number here that I that they keep giving me XXXX they keep giving me the same complaint number in case number what I want is you know my card back and all the charges taken off so I can start over or or {$20000.00} because this is this right here has caused me not to get a car loan and not to be able to move on with my life with with my house and mortgage and so forth
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

PayPal is used by a merchant to take credit card payments online.

PayPal wont send a text to my telephone number which is apparently registered to an account. 
Therefore, I can not complete the transaction with the merchant.
Consumer complaint received 2023-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

On XX/XX/XXXX I pulled my credit report and noticed a {$1400.00} hospital bill from LAW OFFICES MBA I am unaware of this collection, therefore I would like this removed.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened the account about 4mns ago, bank charged me a service fee on month 2, I called them and asked to cancel that fee based service and refund my service fee, which they did. 

Last month and this month I found the fee back again, I called them and they confirmed that I cancelled the service 2mns ago but they said they can't refund my last 2 fees ( totaling {$70.00} ) even though the service was cancelled 2 mns ago. 

I asked to escalate to a manager, they said someone will call me back and of course, no one ever did.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC (CA)

LoandDepot, LLC reported negative credits for both of my mortgage accounts ( loans # XXXX and XXXX ) since XX/XX/2023, while I was in the review process of loss mitigation applications. I applied for loss mitigation application for six other mortgages from other mortgage companies, none of which shows any negative reporting in my credit history ( see attached of credit reports from XXXX, XXXX and XXXX ). I was approved for mortgage forbearance for both accounts in XXXX and XXXX, but the negative credit reporting is still being reported by LoanDepotLLC. I asked to have the negative reporting reverse, but it was rejected ( See attached ).
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/23, I received a collection letter from LVNV Funding/Resurgent for an amount over {$1400.00}, with no validation of debt. In less than one week, LVNV Funding has reported this collection to the credit bureau. I am not liable for this debt with LVNV Funding and I do not have a contract with LVNV Funding nor Resurgent. I do not have any knowledge of this account nor any proof that this account belongs to me.
Consumer complaint received 2023-07-13
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: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (CA)

I have been having lots of billing related trouble ( incorrect bills, Automatic payment stopped without any reason, XXXX minutes waiting time to get their representative on phone, email responses after XXXX days etc ) with my XXXX XXXX company ( SprucePower ) for the last 2 years. My account number with Spruce Power is XXXX. I had numerous email exchanges with their support team regarding these billing snafus. 

In addition to these billing related issues, there have been 2 times in the past 2 years when my credit card was used fraudulently within a few weeks of registering with them for my monthly account payment. These 2 cards I used very rarely otherwise. 

My latest latest billing issue started in XXXX when their automatic payment system failed to pull out the monthly account fee from my bank account. I followed up with them over email ( transcript file name XXXX ) and when the online access issue was resolved on XX/XX/XXXX, I payed the balance for XXXX and XXXX along with the payment for XXXX that wasn't due until end of the month. 

To my surprise, Spruce Power LLC business marked my account as delinquent for the unpaid balance for 2 months ( XXXX & XXXX ) and reported this to XXXX and other credit reporting companies. I filed my dispute with Experian w.r.t these facts ( that I tried my level best to resolve the billing issue with my XXXX provider company and the bill for 2 months wasn't being payed due to an issue with their backend system without my fault ). My dispute was closed within XXXX weeks without providing me any further details and an opportunity to me to provide more facts.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MS)

On XXXX CREDIT MANAGEMENT LP sent me an email stating that I owed them XXXX $ from a old cable bill. I responded to the email with an email the same day stating that the account was not mine. I never heard anything else from them. I got a notification months later stating I had a new collection on my credit report. CREDIT MANAGEMENT LP did not send me anything through the mail. So I had no due process. The account is not mine. Furthermore CREDIT MANAGEMENT LP does not have my written consent to even have my personal information. CREDIT MANAGEMENT LP has stolen my identity and is possibly planning on selling my information to someone else, a violation of my rights. I did not consent. CREDIT MANAGEMENT LP has caused my score to unjustly drop and for me to be denied on several transactions due to the derogatory remark on my credit report.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (FL)

American Express marked late payment, I have a inability to apply for a mortgage due to this I had a medical emergency and then paid the card in full and requested them multiple times to remove the late charges as a courtesy but they didnt