davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC (NH)

I had a loan account with XXXX  XXXX  which was sold off by them to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, XXXX XXXX XXXX has again appointed Direct Recovery Services ( DRS ), XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX to collect this debt AGAIN. 

DRS is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe XXXX XXXX XXXX and DRS are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.
Consumer complaint received 2017-04-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MI)

CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : Golden Valley Lending , Inc . 
XXXX, XXXX, CA XXXX Phone Number : XXXX Fax Number : XXXX Consumer : XXXX XXXX, MI XXXX Loan Type : Installment Loan Number : XXXX TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE FINANCE CHARGE AMOUNT FINANCED TOTAL PAYMENTS The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
760.6361 % {$1500.00} {$500.00} {$2000.00} Amount of Payments When Payments Are Due XXXX {$170.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$160.00} XX/XX/2017 XXXX {$150.00} XX/XX/2017 XXXX {$140.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$130.00} XX/XX/2017 XXXX {$120.00} XX/XX/2017 XXXX {$110.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$100.00} XX/XX/2017 XXXX {$92.00} XX/XX/2017 XXXX {$85.00} XX/XX/2017 XXXX {$77.00} XX/XX/2017 XXXX {$70.00} XX/XX/2017 XXXX {$62.00} XX/XX/2017 XXXX {$55.00} XX/XX/2017 XXXX {$47.00} XX/XX/2017 XXXX {$40.00} XX/XX/2017 XXXX {$32.00} XX/XX/2017
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I notified my local B of A that I had unauthorized transactions on my account {$8900.00}. 
It started XX/XX/2020 thru XX/XX/2020, there are about XXXX games, and XXXX charges. 
They asked if I was notified, and I said no I wasn't. They told ne to call the number on back of my card. I called them on XX/XX/XXXX and explained what happened. I got a letter on XX/XX/2020 saying they put {$3000.00} in credits on my new card. They said it would take up to 90 days to research my complaint. I received another letter on XX/XX/2020 that said they investigated and the {$3000.00} was permanent. So I called them on XX/XX/2020 to ask why I wasn't getting the rest of my money. I also told them I found out 2 weeks after I reported it, that my XXXX year old grandson and his friend were the ones who did this. 
I reminded them that they have a " Zero Liability for unauthorized charges ''. The person who took my call didn't have authority to do anything. So I called back and ask for a supervisor, They said to file a new claim for the rest, so I did, however she said that if I were to repeat a charge that had been credited, it would void the amount left. So I called back and ask for a supervisor again and explained that there were hundreds of the same game, I was bound to repeat. Then I was disconnected every 20 minutes, until the 3rd time when I was told they couldn't take my call. I have filed a complaint with Rep. XXXX XXXX 's office and ask for help. They said it would be a good idea to file a complaint with your office also. Thank you for your time. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX
Consumer complaint received 2021-02-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CA)

I contacted Experian Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to Experian on four other occasions that all of the individual tradelines for Navient, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans have been duplicated and they should not be.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (WA)

On XX/XX/23, I received a letter via mail to my address in regards to overdraft service protection being turned on for an account that I created. I called the bank and their fraud department was closed at that time, so they helped inform me that an account was created using my name, address, birthdate, email, phone number, social, and drivers license. The bank directed me to a location on Monday to go address in person. The bank called the fraud department on my behalf and indicated that the account was created online on XX/XX/23 with my license number. The account was approved with matching information. However, my drivers license information is different from the information that is on the application and I am currently living at. This should have triggered a red flag of inconsistent information. The account did launch live and was able to proceed in set up.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (NY)

XX/XX/2021 I was alerted by XXXX XXXX and XXXX  that I have a collection with XXXX XXXX XXXX for a gym membership with XXXX XXXX/abc financial. This membership should have been cancelled years ago as I had asked them. The email I received was with abc financial services for {$98.00}. I called them to resolve they said call XXXX XXXX XXXX as my account is in collections. XXXX XXXX XXXX  first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than abc financial services had told me. I told XXXX XXXX XXXX, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. XXXX XXXX XXXX said they can not help me and to call abc financial services. Abc financial services said they can not help since the account is in collections already with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report
Consumer complaint received 2021-02-15
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: National Credit Systems,Inc. (IL)

In XXXX, I moved out of an apartment complex that was owned by XXXX XXXX paid my amount due, did a video-recorded walk-through with the property manager ( everything was A-O.K.! ), turned in my keys, gave my forwarding information ( with my same telephone number they've always had ) and left. Many months later, in late XXXX, TWO collection accounts, both from National Credit Systems but for 2 different amounts, were placed on my credit report unbeknownst to me. No contact was made with me via mail nor phone re : any outstanding debts to XXXX  nor National Credit Systems, because THERE WAS NO AMOUNT DUE! In addition, upon first moving into the apartment, I purchased a non-refundable surety bond so that I wouldn't have to worry about any outstanding fees or awaiting a security deposit refund much later after my move-out. The company cashed in the surety bond AND STILL put fraudulent and erroneous collection accounts on my credit profile! When I called to discuss the 100 % fraudulent charges, the rep kept repeating that she did not work for the property management company, so I would have to pay. She wanted nothing to do with resolving the fraudulent charges. In addition, XXXX has since sold the property to another company, so no one from XXXX nor National Credit Systems can speak to me about why these trumped-up charges are being steadily fraudulently verified as accurate on my credit report although I have always paid my rent in full every month and also paid in full upon my move-out with no damages or past-due amounts noted at that time nor a later date.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-02-15
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: Experian Information Solutions Inc. (PA)

I took out a loan through XXXX XXXXXXXX, they have XXXX servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (WI)

I received a notification that a collection was added to my credit report in the amount of {$1000.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2021-02-16
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. (TX)

Since XX/XX/XXXX I have been requesting that transunion provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every account I disputed was investigated by Transunion and the results were " verified ' and updated, however transunion did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # XXXX XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # XXXX XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # XXXX XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if transunion does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items. Trans Union has exceeded their 30 day response window for my XX/XX/XXXX requestt
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/year> I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct XXXX XXXXXXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2021-02-16
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: Receivables Performance Management, LLC (NY)

On XXXX XXXX, 2020, RECEIVABLES PERFORMANCE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA RECEIVABLES PERFORMANCE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-15
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. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the business that sent you that information.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE
Consumer complaint received 2021-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

I closed on the loan XX/XX/2020 Service account tried to steal XXXX XXXX XXXX XXXX They. Pulled my. Mortgage three times in one month They withold my payments XXXX XXXX defamed me now I've been threatened by XXXX XXXX Turned in caliber home loans to Attorney General XXXX XXXX and US Senator XXXX Chief of staff Been banned and threatened by Caliber home loans
Consumer complaint received 2021-02-15
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: ECMC GROUP, INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-15
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: General Motors Financial Company, Inc. (FL)

On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX GM Financial XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (CA)

Dear CFPB, The credit reporting company Equifax had 30 days to investigate the inaccurate information on my credit report. They received my letter on XX/XX/XXXX as confirmed by USPS in the attachment below. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), the bureau would have had 30 days to verify the inaccurate account on the credit report. Today is XXXX XXXX XXXX. Since the credit bureau could not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. 
I have notified them that they must remove the item immediately and still have not received a response. 
I have also notified the company that if I do not receive a revised credit report, free of charge, with the items removed at my correct address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o Civil liability for willful noncompliance and that their credit bureau may be liable for : 1 ) actual damage I sustained by their failure to delete the items 2 ) punitive damages as the court may allow 3 ) costs of the court action, plus attorneys fees I demand that all the disputed accounts on the account be deleted immediately because they could not verify the inaccurate account in a timely manner violating the credit repair act, and because the account is unverifiable. There is no way to verify the information on a frozen/opted out XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX so if they claim they have contacted these companies for the account in question, they are lying because it is unverifiable. I have receipts from each of these companies proving my account is unverifiable therefore they must delete the inaccurate and unverifiable account. Failure to do so can result in a {$1000.00} fine per undeleted item.