davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ADIR INTERNATIONAL LLC (CA)

On XX/XX/2021 @ XXXX XXXX  ( PST ) I the natural person/consumer spoke with a customer service representative who identified herself as an employee representing the entity operating as a debt collector that goes by the name " XXXX XXXX XXXX dba XXXX '' I demanded on this date that this company cease all communication in regards to this alleged debt UNTIL the company was able to provide me with legal notarized validation of this alleged debt. The representative agreed and the call was ended. Please note that these calls are " monitored and recorded. '' I have attached a screenshot of my call log from my XXXX from the date XX/XX/2021 that shows one of this companies MANY phone numbers they use to harass me, along with a screenshot of the excessive amount of harrassing and offensive voicemails left by " XXXX '' and lastly I have attached a screenshot of the email that was sent to me today XX/XX/2021 @ XXXX ( PST ) exactly two days after I declared a cease in communication in regards to this alleged debt. Please note that at the bottom of this email screenshot the company has written " This is an attempt to collect a debt by the original creditor, and any information obtained could be used for that purpose '' which is a clear violation of federal laws under USC title 15 chapter 41, subchapter 5 " Fair Debt Collections Practices Act. '' The purpose of this act is found under 1692. Congressional findings and declaration of purpose ( a ), ( d ), ( e ) Below I have referenced 24 federal violations brought forth onto me who is in fact, the Natural person/ consumer and the original creditor.

1692b. Acquisition of location information ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) 1692c. Communication in connection with debt collection ( a ), ( 1 ), ( 3 ) 1692d. Harassment or abuse ( 2 ), ( 5 ), ( 6 ) 1692e. False or misleading representation ( 8 ), ( 10 ) 1692f. Unfair practices ( 1 ) 1692g. Validation of debts ( a ), ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ), ( b ), ( c ) 1692h. Multiple debts ( any payments made to this alleged debt, I am demanding to be returned back to me the natural person, consumer who is the original creditor ) 1692j. Furnishing certain deceptive forms ( a ), ( b )
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a vehicle loan with Bank of America for a used vehicle in XX/XX/XXXX. This loan was paid off in full XX/XX/XXXX. I wait a couple of weeks for the title. I do not receive and I call. They tell me that they sent it. I ask for the address and they sent it to a completely made up address despite having my address on file and that they can not send me a new title. I tell them to send me a new title ASAP as I need it. On XX/XX/XXXX, instead of sending the title they send lien release notice. I then tell them this state does not accept anything but the title. They have me submit a request for title which is done by XX/XX/XXXX and I receive an automated response that this takes 12 or so days. It is now XX/XX/XXXX and I still have yet to receive my title.
Consumer complaint received 2019-02-02
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: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from American Express pulled my credit report. I am a vicitim of identity theft. I called American Express on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )
Consumer complaint received 2019-02-02
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: U.S. BANCORP (IL)

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

Us Bank- On XX/XX/XXXX someone from US Bank pulled my credit report. I am a vicitim of identity theft. I called US Bank on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX )
Consumer complaint received 2019-02-02
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

I pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.
Consumer complaint received 2021-09-28
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. (GA)

XXXX, TransUnion and XXXX are reporting some fraudulent accounts on my credit report.. here are the list of fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Consumer complaint received 2021-09-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

In XXXX of XXXX I took out a mortgage for property at XXXX XXXX XXXX in XXXX XXXX, Georgia with Ameris Bank. I sold the property and the mortgage was paid in full on XX/XX/XXXX. 

I did not receive my escrow disbursement so I called Ameris Bank on XX/XX/XXXX. I was told that a check in the amount of {$7100.00} had been issued on XX/XX/XXXX and sent to my current address. Since it had been 20 days since the check was sent and I had not received the check, I requested that a new check be sent. I was told that I would have to wait until XX/XX/XXXX to call back and request a new check. I called back on XX/XX/XXXX and was told that I would have to wait until XX/XX/XXXX to call back and request a new check. 

On XX/XX/XXXX I sent the attached letter to Ameris Bank requesting an immediate refund of my escrow account. On XX/XX/XXXX I called Ameris Bank and was told that a new check would be issued in 30 to 60 days. I requested to speak to a manager and the manager stated that he would try to expedite the process. I have heard nothing from Ameris Bank since.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmerAssist A/R Solutions, Inc. (MI)

AMERASSIST AR SOLUTIONS has failed to provide me with debt validation after numerous requests. Furthermore, they are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) -- which states debt collectors can not use offensive language while they are communicating and trying to collect a debt.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/ReportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND 1 ACCOUNT THAT DOES NOT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2019-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent this company the first letter 0n XX/XX/2018 to verify that this is my account and they did not send me any information that it was my debt.i sent the second letter on XX/XX/2018 and did not here back from them. i am attempting to get a business loan but this debit they are trying to collect for is not mine.
Consumer complaint received 2018-02-28
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: STERLING JEWELERS, INC. (FL)

I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to XXXX  and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XX/XX/XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
Consumer complaint received 2024-03-14
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TN)

In XXXX of this year, we drove 2.5 hrs each way from XXXX TN. to give papers to XXXX KY Chase bank for our veteran owned small business. We were changing the business structure from a LLC to a sole proprietor. We submitted drivers license, paperwork, etc. 

In XXXX we discover the papers weren't submitted & they are closing our account EVEN after resubmitting due to their technical problems with their verification system. We had to call Chase customer support, because we weren't even told by the XXXX branch of the problem. We have worked hard to try and fix this situation since our insurance, employee pay, etc. are all tied to this account. We even tried to call over 50 times to the Chase XXXX XXXX XXXX ( with most calls not being answered ) to get help and in a span of over two weeks, they still can't get the system to verify our information, so they have locked the account ( causing us to incur penalties and use our personal account for taxes, insurance, payroll, etc. ) and told us today ( XXXX XXXX ) that they didn't think they could fix it in time and that we should just drive back up to XXXX to start a new account. 

Our account has been locked down for over 2 weeks, automated payments failed, and Chase customer service has failed us as well.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (TN)

I reached out to Credit Corp Solutions on XX/XX/XXXX after receiving correspondence via mail asking them not to contact me in any way regarding a debt that want mine. I explained and sent a copy of what I sent to the original creditor regarding the debt as well as a letter from the creditor stating theyre removing it. They keep calling called today XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX also explained to them I sent the original creditor a copy of my lease and a utility bill showing that the account was opened at an address doesnt match the address I currently reside at and also was residing at at the time The about was opened which also resulted in it being removed.
Consumer complaint received 2021-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (TX)

GM FINANCIAL has repeatedly contacted the consumer, regarding Account Number : XXXX, I do not owe this debt, All Debt and Obligations that are assumed to be the Consumers or Natural Person are in fact debts or obligations of the United States Government According to 31 U.S. Code 3123. Payment of obligations and interest on the public debt XXXX : XXXX is the original creditor on account no. XXXX pursuant to 15 U.S. Code 1692a Definitions, such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

the Consumer, natural person and original creditor am invoking my specified remedy as the creditor pursuant to 15 U.S. Code 1692c ( c ) ( 2 ). the consumer demand that GM FINANCIAL cease all debt collection activities Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication : If a consumer notifies a debt collector in wri`ting that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.
Consumer complaint received 2023-02-03
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. (NJ)

I am intrested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

on XX/XX/2021 I received a letter by myloancare.com from XX/XX/2021 stating that my loan was removed my from Forbearance per my request. 
I NEVER MADE A REQUEST TO REMOVE MY LOAN FROM FORBEARANCE!!!!!!!!! 
As a matter of fact I had a phone call with their Loss Mitigation Department on XX/XX/2021 at XXXX XXXX. I was assured that I still have several month left on my Forbearance and my next Payment would be due on XX/XX/2021. 
I called them again today and asked to put my Loan back on Forbearance and that I will begin making Payments, as per their confirmation from XX/XX/2021. Unfortunately their Customer Service did not even try to help me. Like always, they forwarded my call to their Loss Mitigation Team, which I suspect doesn't even exist. I tried to call them at least 20 times under several numbers provided by myloancare, and nobody EVER answered the phone. I requested call backs with the customer service, never received one. I also sent several emails. All they do is provide pre written answers, that my email will be forwarded to their team of " Specialists '', and then you will hear never from them again. 
I do not know, who could have make a request to remove my XXXXoan from Forbearance, but I am thinking about handing this Incident over to my Lawyer for further Investigation and also file this complaint with you. There seems to be some fraudulent actions going on, and I want to get to the bottom of this.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.