davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

XXXX XXXX XXXX is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/XXXX, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX  or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of XXXX XXXX XXXX and I need to resolve the debt. I hang up and call Cash Central, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that XXXX XXXX owns the debt and I have to pay it again. She gives me a phone number for XXXX XXXX XXXX. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/XXXX and another {$350.00} XX/XX/XXXX. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/XXXX, and ask who the attorneys are that own XXXX and XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.
Consumer complaint received 2020-01-02
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$470.00} XXXX {$11000.00} Reported balance XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance
Consumer complaint received 2019-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC (TN)

On XX/XX/XXXX I responded to an email from ( attached ) from Scott & Associates, P. C. 
The date on their email to me is XX/XX/XXXX. It was an offer to settle a debt they allege is owed to XXXX XXXX. 

This organization had emailed me with an offer to settle a discharged account their client XXXX XXXX allegedly purchased as a secondary buyer. 
MY RESPONSE On XX/XX/XXXX I emailed Scott & Associates P.C with a request for account information. ( Attached ). 
I asked for information about the alleged debt and requested it be mailed to me as I had no idea who this organization was. 
I have not seen any information from them prior to this communication in my trash email nor have I received anything via USPS prior to this email.

On XX/XX/XXXX a process server appeared with a lawsuit dated as filed XX/XX/XXXX. 
So Scott & Associates emailed me offering to settle this the same day they filed their lawsuit against me. ( See attached summons ). 
XXXX XXXX alleges they purchased a discharged account from XXXX XXXX XXXX. 
My complaint is 1. 
XXXX violated my rights UNDER THE FDCPA by re-aging the account upon purchase in XXXX. 
This account had an original date of delinquency in XX/XX/XXXX as my credit report shows. ( see attached XXXX credit report first date of delinquency XXXX XXXX, # XXXX ). 
XXXX XXXX wrongly reported the date of first delinquency incorrectly on my credit reports as the date THEY allegedly PURCHASED the account in XXXX. 
This is an illegal act and further damages my credit score. 

2. Ignoring my request for accurate validation, suing me instead on the same day they offered to settle via email. 

Days after offering to settle via email on XX/XX/XXXX, and my subsequent request for validation on XX/XX/XXXX, this organization, Scott & Associates P.C., XXXX, TN sent a process server to my home to serve a summons to appear in General Sessions court. 
The issue date was the same date they filed a lawsuit against me ( attached ).
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MA)

A prepaid MasterCard was purchased at a XXXX XXXX on XX/XX/2015 for {$25.00}. I have receipt from XXXX XXXX. It was accidentally not delivered. The card has no value now. I called the number on the card and they said that a dormancy fee of {$2.00} is charged for each month the card is not used. They also told me that US Bank was the issuer of the card but could not refer me to a person, an address for US Bank or a phone number. They said they had no information on US Bank. On internet search I found there are no branches of the bank and only ATMs in Massachusetts. 
On internet search I found that in this state, MA, dormancy fees may not be made for the first 7 years of a prepaid card. 
Can you help recover the value of this card? It belongs to XXXX  a non-profit orchestra which performs in XXXX MA where all concerts are free and open to the public.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

In XX/XX/XXXX, I opened a line of credit for {$4000.00} via XXXX thru XXXX XXXX and was told, if I did not pay it in 2 years, I would be charged finance charges and interest on any remaining balance due as of XX/XX/XXXX. Based on the company 's transaction records, my first payment was made in XX/XX/XXXX, 16 months after I started the account. 

My first statement of record was XX/XX/XXXX, which I have enclosed and it shows a payment due of {$260.00}. 

On the XX/XX/XXXX statement, which I have enclosed, you see a payment made on XX/XX/XXXX of {$260.00}. None of the payments that are on the pdf statements on XXXX XXXX website are in my digital transaction history, also on their website, which I have screen shot and enclosed. 

I am including the most recent statement for your review, which shows of the {$4000.00} financed, payments and credits are {$3800.00} and I still owe {$3900.00}, which is basically the balance I started with. 

I did not pay on time each month, but tried to double up to keep up with the account. I went on XXXX XXXX website to pull XX/XX/XXXX statements, and as you can see, they show nothing due on the XX/XX/XXXX. I believe my balance per their pdf statement files do not match their digital transaction records, which means there is a chance I am being charged more finance charges than I should be. 

Even though I realized there was no finance charge for 2 years, I do not understand why no payments are shown in the attached transaction history. 

I have included the XX/XX/XXXX statement to show how all of the fees were billed at that time which amounted to thousands of dollars. In addition to that, I am being charged {$95.00} per month in finance charges on top of the amount due. 

I contacted XXXX and the representative only wanted to know how much I would pay, even when I pointed out a problem on my account. 

I need help to make sure this billing process is correct and fair, and to get a true transaction statement on how much I paid in XX/XX/XXXX, since the bank shows no payments in XX/XX/XXXX on my transaction history. 

I also want to confirm that it is legal for me to have been charged 28 % finance charges, as I have been over charged as a woman of XXXX, in the past, by other banks, and was notified by the Federal Trade Commision ( i.e. XXXX XXXX auto loan ). 

I want to be sure that the high finance charges of {$95.00} per month are lawful. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On Monday XX/XX/XXXX my XXXX XXXX XXXX was totaled. Our insurance company paid the claim on XX/XX/XXXX and receipt was confirmed by XXXX XXXX XXXX XXXX. The title still hasn't arrived. XXXX was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX advised they mailed the title on XX/XX/XXXX and again on XX/XX/XXXX. After the first time it was mailed a duplicate title had to be requested. We asked that the next title that was to be mailed be mailed XXXX or XXXX with a tracking number. They created a label to ship but then failed to use and again mailed it XXXX Mail with no tracking number. Neither myself or the Insurance Company has received the title. We are asking that you contact XXXX on our behalf to resolve this situation.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I accidentally sent check to Bank of America : my Bill Pay through XXXX XXXX sent payment to Bank of America instead of XXXX XXXX where check intended to go. I have screen shot I filled in correctly. 
I do not have an account with Bank of America however bank cashed my check and is not refunding credit balance. I called about 25 times spoke with various managers, was promised they would refund the money which is over $ XXXX. 
It has been a month, I still dont have my refund. This money supposed to go to XXXX XXXX to pay my property tax.
Consumer complaint received 2018-03-03
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. (TN)

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX  XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-03
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. (CA)

I am not aware of this debt. 
I have no knowledg of this debt. 
I called and I was told that the date listed is incorrect. XX/XX/XXXX is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Date is incorrect as well as debt is incorrect.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

I used to have services with XXXXXXXX XXXXXXXX  years ago and when I canceled my service they were supposed to send someone out to collect their water dispenser and never did. I have called and spoken with them many times and never had any help and now I have a debt in collections from them for {$570.00}. I would love to have it resolved and them get their merchandise and me not have this debt.
Consumer complaint received 2020-06-10
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: Midwest Recovery Systems (CA)

I received an alert from XXXX  about a new collection reporting from Midwest Recovery Systems. They claim the original debt is from a payday loan that I never applied for. I do not have any accounts in collection. XXXX  notified me that my social security number is on the dark web. This collection reporting is illegal & a fraud. There are several reports online where this company has fraudulently reported them also.
Consumer complaint received 2017-08-01
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. (MO)

I contacted Experian, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
Consumer complaint received 2024-04-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My XXXX XXXXXXXX was denied asking SPS any questions on my behalf.Such as are any further documents required for the application process AND have previously requested documsnts been received to date.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2020-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (GA)

This company hacked my checking for XXXX I never used this company I do not live in New York I haven't heard of this company and never used them. Now I have to go to my bank and straighten all of this out. This company is corrupt. 
and should not be operating. 
This company needs to be investigated. They should not have my personal information I never used them and never heard of them until they hacked me.
Consumer complaint received 2020-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$750.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Consumer complaint received 2019-02-11
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: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of XXXX XXXX. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. This is ... ..wrong. Please help. Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear. 

I have already issued a complaint to the CFPB. The CFPB only forwarded my complaint to Equifax, who, in their response to my complaint, just copy/pasted their original response to my direct complaint to Equifax. 

So, the CFPB literally did nothing, and Equifax literally did nothing. How is this any form of protection for consumers when two parties, neither of whom I have a relationship, can make changes to my credit report and CHOOSE to not fix inaccuracies without my input whatsoever. This is why Republicans should never be allowed to govern.