davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

I lived in XXXX on the XXXX. My lease ended in XXXX of 2022. I began to do month to month payment. The amount was {$500.00} more. In XXXX I gave my notice that I would be moving out at the end of XXXX.I received a eviction notice. I had paid my rent for the month. I went again and told them I will be moving XX/XX/XXXX, which I did. The assistant manager at the time told me to disregard the eviction notice. I checked my mail and I had a letter from the judge saying that if I pay a fee from court and the next month rent I could stay after I had already moved out. I turned my keys in. The office people was XXXX. They change my lease date and everything else. Every time I call about it Im informed that they have a new manger and is under a new corporate and its no way they can help me. Im asking that this be removed off of my credit report Now. I do not owe this large amount especially any rent amount.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (KY)

I am a victim of identity theft which is causing fraudulent accounts to show up on my credit report. My consumer rights are being violated. I know it is illegal to attempt to collect an fraudulent debt when the company know the debt is fraud. I have informed these companies that I do not owe the alleged debt and it is fraudulent. I demand that they remove these fraudulent accounts from my credit report and cease and desist all forms of communication. I have attached my drivers license and FTC Identity Theft Report as well. Please help.
Consumer complaint received 2023-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (WI)

On XX/XX/2023 I had XXXX at XXXX XXXX, XXXX, XXXX. My surgeon was an XXXX XXXX XXXX physician. I receive my billing on the XXXX XXXX, and claims are submitted through my health insurance company, XXXX XXXX XXXX. All claims were submitted and processed by XXXX, 2023. I set up payment plans for the remaining amounts due via clinic billing services according to XXXX. I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2023 for {$1800.00}. I called XXXX insurance as I was confused as to why I received a separate bill in the mail and that I was under the impression that this debt was inclusive with the current payment plans I have in place. I called the number on the bill to discuss the amount due and make payment arrangements. The woman was hard to understand, but we did our best to communicate. I was told that I should received a call in within 2 weeks to set up a plan. I never received a call back. On XX/XX/2023, I contacted my insurance company again to resolve the billing issue. They told me to file with XXXX if it doesn't get resolved. That the XXXX XXXX XXXX program implies that I should not hqve been billed twice. Today, I learned that the XXXX XXXX XXXX XXXX sent me to collections with XXXX, A global services company, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I received a call today, XX/XX/2023. 
This is not best practice, nor, did they prove I owed this outstanding amount which is already being paid by my payment plan with my hospital. I want this removed from collections and investigated as to why I was double billed and not offered an opportunity to pay my debt through a payment plan prior to sending it to collection a mere 6 months after XXXX.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.
Consumer complaint received 2023-05-22
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. (CA)

I am demanding that all innaccurate and unwanted personal information be removed. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: All State Credit Bureau, Inc. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

how can you have two customer numbers for same file Customer number : XXXX Customer number : XXXX Delete ALL MY INFORMATION IN YOUR FILES
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (GA)

My father died last month, since then I have been getting calls and debt collection letters on accounts that were closed, The collection bureau of the Hudson valley sent me a bill with a larger amount that the credit limit I had. It also showed activity including payment in 2016, I sent them a copy of my bank statement showing I did not pay or charge anything last   XXXX   as my father as in the hospital.
Consumer complaint received 2023-02-02
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I contacted IC Systems as I was not aware I had a collection account with them. I than asked if I could pay the debt and have them remove this off my credit report. They agreed and I paid my debt and they are now not helping remove this off my credit. I need them to remove this off my credit. I am a Veteran who fought for this country and I hope they can be a man of their word and remove this off my credit.
Consumer complaint received 2017-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc. (CA)

I never went to a hospital or clinic in  XXXX , California.My identity was used by someone and I was n't aware until I checked my credit.There is a collection on my credit with  XXXX ,  XXXX ,   XXXX   for {$250.00} and collection is hurting my credit.My credit scores are in the mid  XXXX .
Who use my identity to get credit or be admitted to a clinic or Hospital.
Consumer complaint received 2023-04-13
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (WV)

ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for  XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, 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. (FL)

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXX Law office of XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time
Consumer complaint received 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WI)

Good Morning, I sold my condo on XX/XX/2017. The title company submitted my property taxes as part of the closing. I have an acknowledgement from the City of XXXX XXXX that the funds were received. During this process my Mortgage company also submitted payment for the taxes from my escrow account. However, these funds were returned because the tax bill was paid. I have now contacted Mr. Cooper several times regarding where these funds are. I am receiving a different answer each time and am no closer to receiving a refund from my escrow account.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

TO NOTE : I already disputed on CFPB about this same case last year. The case number is XXXX. The company responded and removed the debt off my name. But I don't know why it is showing up again this year. 

National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX XXXX but left even before I moved in. We have the same last name and our first names are similar. The first three letters of the first names are the same. This might have caused the company to think that we are the same person. I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. In the attached documents, you can see that debt owner and I are completely different people. Description for the attached documents : 1. NCS Account.pdf- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX XXXX ( All this information shows the debt owner is not me. ) 2. Itemized Charges {$150.00} from NCS.pdf -- shows the charging details. Again, the listed residents are not me. XXXX. XXXX XXXXXXXX XXXX  -- This is the lease I signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX, starting from XX/XX/XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX  -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX. XXXX. XXXX -- This is the dispute case details on CFPB that I submitted last year.
Consumer complaint received 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage purchased my loan and converted it to simple interest. 
They then apply my payment which was made at the beginning of my billing cycle to the last day of my billing cycle, earning the maximum interest on the loan and making it stand still for several years. They change the name of the company to Mr Cooper and change the billing cycle day constantly to continue the fraud.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (WI)

I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter of fact. 
I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam, I am writing to dispute the accuracy of certain information on my credit report. Upon reviewing my credit report, I have noticed that there is personal information that is inaccurate or outdated. The details that need to be corrected are as follows : 1. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX I have attached copies of documents such as my drivers license, utility bills, or any other relevant documents that verify the accuracy of the information provided. I request that you investigate these discrepancies and update my credit report accordingly. 
Please note that accurate personal information is crucial for maintaining the integrity of credit reports and ensuring fair assessment by lenders and creditors. 
I kindly request that you investigate this matter and update my credit report within the timeframe required by law. Your prompt attention to this matter is greatly appreciated. 
Thank you for your cooperation and assistance in resolving this matter.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a certified letter to TransUnion Credit Report Bureau, asking TransUnion to remove the following Hard inquiries from my credit report : 1 ) XXXX  On : XX/XX/XXXX 2 ) XXXX On : XX/XX/XXXX 3 ) XXXX  XXXX On : XX/XX/XXXX 4 ) XXXX XXXX XXXX  On : XX/XX/XXXX 5 ) XXXX  XXXX On : XX/XX/XXXX 6 ) XXXX On XX/XX/XXXX I told TransUnion above companies were not authorized by me and for TransUnion to remove inquires or provide proof of a written documentation showing I authorize it. TransUnion responded today ( XX/XX/XXXX ) with a letter stating " Your written authorization may not be  required to constitute permissible purpose '' and to contact the creditor directly. See attached TransUnion Letter.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NY)

This is an incorrect charge on my credit report. Equipment was returned to  XXXX  on  XXXX / XXXX /2015 to a  XXXX  representative.
This item was previously removed from my credit report but was sold to another party and added back. The previous company reporting this item acknowledged   XXXX    error and removed the item. I would like this item removed and barred from being added by yet another party, as they seem to just sell the account to someone else after it is removed.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout the duration of this account, I've consistently made timely payments, preventing any instances of overdue payments. I find myself uncertain about the rationale behind the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, correction should be made.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (KY)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Maximum Title Loans, LLC (AZ)

This is a complaint from XXXX XXXX ( consumer ) against Maximum Title Loans , LLC ( lender ) for Maximum Title Loans unfair, unethical, and illegal collection practices. As detailed below, Maximum has used threats and intimidation as part of its debt collection efforts against XXXX XXXX sending an agent to his home at night to intimidate his family. 
In XX/XX/XXXX, XXXX XXXX entered into what was purported to be a two year title loan agreement with Maximum Title Loans , LLC. As collateral for this loan, XXXX XXXX used two vehicles ( Vehicle 1, XX/XX/XXXX XXXX XXXX and Vehicle 2, XX/XX/XXXX XXXX XXXX ). Over the course of the next two years, XXXX XXXX paid back {$27000.00} on the {$13000.00} loan. 
Dispute arose regarding whether there was still an outstanding balance at the end of the two year repayment period. This eventually resulted in a lawsuit from Maximum Title against XXXX XXXX ( XXXX ). During a hearing, when the judge was not in the courtroom, the representative from Maximum Title, XXXX XXXX, made threatening remarks to XXXX XXXX. When the judge returned to the courtroom, XXXX XXXX told the judge that he was being threatened, and the judge revealed that the courtroom was being recorded and played back the audio recording. This revealed the recorded threats, leading to an argument between the judge and XXXX in which he accused the judge of being biased. As a response, the judge transferred the case to be heard by a different judge. 
Sometime after the initial filing, Maximum repossessed Vehicle 1.  On XX/XX/XXXX, Vehicle 2 was shockingly repossessed out of the court parking lot while the parties met for mediation. Vehicle 2 contained clients XXXX medication, wallet, and work keys. 
That same day, XXXX XXXX obtained an emergency order from the court, ordering the return of both vehicles. Maximum Title stated that it would return the wallet, keys, and medication by having it delivered to XXXX XXXX, but would not return the vehicles. 
That night at XXXX, Maximum Title sent the angry, yelling, menacing tow truck drive to XXXX XXXX home address. The driver, in an interaction with XXXX XXXX wife, made accusations and refused to return the vehicles or XXXX XXXX possessions. The clients were so intimidated and frightened by this interaction that they filed for and were granted an injunction against harassment against Maximum Title representative XXXX XXXX the next day ( XXXX ). 
On XX/XX/XXXX, armed with an order from the court and police escort, XXXX XXXX was able to locate and recover Vehicle 2 from the tow truck drivers impound lot. Despite the XX/XX/XXXX court order, Maximum Title has not returned Vehicle 1.
Consumer complaint received 2017-07-17
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: FIRST NATIONAL BANK OF OMAHA (NY)

Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.