davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
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. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NY)

To whom it may concern, I have a collections on my report that I do not owe from FIRST CREDIT SERVICES. I have no agreement with this company and there talking about a gym membership that was all settled years ago. I called the fitness company and they agreed i do not owe them money according to there records. This collections agency keeps calling me about money i do not know owe. They are saying I owe {$220.00} but this is inaccurate and I owe nothing.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (FL)

XXXX and Experian : Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX  XXXX Disputing updated claims. 
These accounts have been inaccurately reporting on my credit report and NEED TO BE DELETED IMMEDIATELY. The first dispute was brought to my attention as verified, however both agencies have TRIED and also advised about the updates on these accounts but somehow they are still reporting inaccurate information on my credit profile! I wonder why?? Are these investigations ACCURATELY being investigated?! MULTIPLE times these accounts have been updated, although my dispute request was for them to be removed due to inaccuracy yet no ACCURATE resolution has been done. I have attached 3 of my credit reports before and after these disputes to show proof of the inaccuracy upon multiple attempts of disputing. As you can see XXXX has now separated the XXXX XXXX '' account so were unable to compare the inaccuracies. XXXX has also removed the account number and changed the creditors name as it was listed differently previously. These investigations are misleading and becoming stressful. Now I am asking for IMMEDIATE PROOF of these investigations listed below or I DEMAND these accounts be DELETED not in 30 days but IMMEDIATELY! 

Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

On XX/XX/2021, I used my card for XXXX in the amount of {$16.00} at XXXX XXXX XXXX. My unemployment benefits were loaded on XX/XX/2021 in the amount of {$480.00} at XXXX XXXX XXXX. I tried to use my US BANK Reliacard again that same day, XX/XX/2021, to try and take out money from an atm. My transaction had been denied XXXX. I then called US BANK reliacard to check the issues with and status of my account. The representative told me that my account was locked for fraud and told me that I needed to upload a photo ID, and XXXX. I then proceeded to provide the documentation. I called back and had a XXXX minute conversation with the supervisor at the time. She informed me that on order for them to verify my identity, I needed more identification. I had to fight with her to get the other types of identification I could use. She failed to mention in that XXXX minute conversation that I could use my temporary state ID, birth certificate, and the selfie. I called back on XX/XX/2021. They said they couldnt verify my identity yet again. That I didnt have enough information and that I needed to now submit a photo of my social security card, my birth certificate, a XXXX, and my temporary state ID. I went to the website provided, I uploaded the XXXX required documents as well as a photo of my reliacard as proof of ownership. I waited until XX/XX/2021 to call them, again, to check on the status of my case. They proceeded to give me another run around and tell me that my photo ID had been cut off in the photo, which it hadnt, and that I need to resubmit every single document for the fourth time and that it would be another XXXX business days. This has happened to a couple of people that I know. They also didnt stick to the same explanation as to why my account/card is locked. Another XXXX of the representatives told me that this was routine and not fraud.
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance has been calling me nonstop over the course of three days. Twelve times totalled, five times in one day about a car payment that at the time of the first five calls wasn't even late. Ive attached pictures of my call history for proof.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had made few calls to Kohls card to understand and remove the interest in protection balance but not very success as representatives are not able to fully answer my inquiries while Kohls charges XXXX interest on a monthly basis. First there is interest on purchases and interest in protection balance. Recently I looked at the card agreement and there is nothing stating an interest in protection balance ( XXXX XXXX XXXX  ) I am more than happy to share my statements and Kohls credit card activity which I havent made recent purchase since last year but I still get charged both interest on purchase and interest protection balance. I will greatly appreciate support and help for someone to look at Kohls legit interest charges. 

Thank you very much
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

XXXX XXXX XXXX XXXX initiated XXXX ach transactions that werent authorized by me for over {$8500.00} in mortgage payments. Mr. Cooper has not communicated with me or any of its customers, and thousands mortgage customers have been affected. Im trying to work with my bank, XXXX to reverse the charges. They too have no idea what happened and no security checks were in place by chase to stop this from happening.
Consumer complaint received 2021-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (NC)

I keep getting emails from Klarna finance company stating that I owe a monthly payment of {$100.00} that is past due. I have called them several times, sent several emails stating that I do not owe them any payments. The merchandise were returned. They keep sending me these emails. I want this to stop.
Consumer complaint received 2021-09-29
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. (GA)

Equifax is reporting two accounts with XXXX XXXX XXXX XXXX XXXX. I have written them and had my attorney contact them regarding this incorrect information. They state that I owe {$12000.00} on each account number.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

I contracted with XXXX XXXX lawn care for the summer of XXXX. This company constantly call stating that the only way one service can work I had to purchase another service in which I did. One day I was home and noticed that the weed guy wasnt spraying anything and that was probably which I still had weeds. The contract was finished, I paid my balance and then two month later received a collection notification from XXXX XXXX XXXX. I have been sending proof of payment to this company for XXXX months now and every month they ignore me and send me out a new collection notice last one dated XX/XX/1021. I have called this company, emailed my proof, called again and still nothing. I will XX/XX/XXXX if this is illegally reported to my credit report and I paid the balance. It seems that once I didnt want to continue receiving service from XXXX lawn care they sent my account to collections when I had XXXX balance. This collection agency know they should be verifying the accuracy of an account before aggressively pursuing customers. This is fraud that I want reported
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MA)

XX/XX/2021 Phoenix Financial Services reported a debt to the credit bureaus under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) a debt collector to report to a consumer reporting agency ... in the debt collectors name.

They failed to inform me they had purchased the alleged debt or give me notice as my rights under federal and state laws in violation of the FDCPA and FCRA.

After discovering their reporting I sent them a 93A Demand notice and Validation of Debt request ; informing them of their illegal attempts to collect a debt not owed. 

They replied to this demand with the statement " the account information we provided is accurate ''. 

They failed to provide any documentation to validate their claim of a past due debt, they failed to provide any ownership of the account and they failed to remove their listing from my credit report. 

I sent a second 93A Demand informing them of their continued illegal activities and failure to provide any validation of their claim. Under MA General laws they were required to remove their listing and cease all collection attempts. 

They replied to this second notice with an invoice demanding payment due on this fraudulent account. 

I sent a third notice via certified mail XXXX of 2021. They have failed to reply whatsoever.
Consumer complaint received 2023-03-07
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. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

I attend college and I am a 100 % XXXX Veteran, I am reporting on apparent discrimination, in XXXX I was informed that XXXX of my student loans were XXXX and I was no longer eligible for Federal student aid as there is a code in the XXXX XXXX barring me. I was no longer able to attend college for cost reasons and I had to pay back the remaining balance on my account. After contacting the Dept. of Education, I learned that a company called Nelnet was responsible for blocking me from student aid. I contacted them in Spring XXXX and they stated that I could just have the other XXXX forgiven if I submitted paperwork. In XX/XX/XXXX I contacted the company again as I was still being billed for the XXXX remaining debt, they stated it was not going to be forgiven, and that is when I notified them it was discrimination to bar me from a student loan based on my XXXX status, they then offered to opt me out of their discrimination program. They read me a statement about opting out and asked for my verbal consent, I agreed so I could return to college. In XX/XX/XXXX, I returned to college and found out that I was still barred on the XXXX from receiving federal aid based on my status as being a 100 % XXXX veteran, I contacted nelnet again and they said that I am still barred from federal student aid for being XXXX, and they never opted me out, I requested to opted out again and they will send me paperwork, maybe.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
COLLECTION Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
COLLECTION Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: First Recovery Solutions, Inc. (SC)

This company makes repeated auto calls to my cell phone. After calling the number, I am told the line is being monitored by court order and they are trying to sue me for fraud. The person said that unless I would like to be served at my place of employment or provide a home address, I can pay them {$480.00}.
Consumer complaint received 2021-04-25
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2021-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I received a letter dated XX/XX/2021 identifying my mortgage was being transferred from Mr. Cooper to XXXX XXXX  as of XX/XX/2021. The letter states the date my present servicer which is Mr. Cooper will stop accepting payments is XX/XX/2021. I made a payment through the Mr. Cooper app on XX/XX/2021. On XX/XX/2021, I received confirmation the payment of {$3500.00} was posted to my account. In speaking with my Bank on XX/XX/2021 my Mortgage Servicer Mr. Cooper reversed my payment back to my bank. The details on my Bank account show this payment was reversed. This is unacceptable and violates Mortgage Servicing regulations & UDAAP. The funds for this payment are good and should not have been reversed by the servicer. Mr. Cooper 's practices are abusive to me as a consumer and also violates servicing regulations. I will gladly have my Bank provide any proof demonstrating the lender reversed my payment. This should be resolved immediately and my payment should be credited as the regulations requires as of XX/XX/2021.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I don't understand why my mortgage loan amount remains the same despite my owning my home for over XXXX years. If I paid $ XXXX per month ( for a year ) and for XXXX years -- why has my home loan amount remain {$110000.00} -- this is the cost of the home that I had bought over XXXX years ago. 

I await your help.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account XXXX  XXXX XXXX Balance {$70.00}.
Consumer complaint received 2023-02-21
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)

I applied for a equity loan with my mortgage company and was turned down. I was told by a representative with the mortgage company I was eligible for the loan, I only needed a credit score of XXXX to obtain the equity loan however I did not here back from them.