davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (MA)

Dear ABSOLUTE RESOLUTIONS INV XXXX ; XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I have received repeated calls looking for someone l. I answered after repeated calls and told him to please remove my number and stop calling I am not the person they are trying to contact. Before I could breathe another word he said, you could at least say thank you. I said, it paused I was going to. He said, youre being hostile and rude. Very unprofessional and rude especially calling a wrong number, repeatedly.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IA)

Trying to obtain auto insurance and Lexisnexis reports I have multiple accidents in driving record. Some were before I was licensed to drive. Accidents belong to family members. Their phone number will not accept calls. Submitting a customer care request will not go through. Tried on several occasions. There are about 5 accidents that do NOT belong to me. 

I have obtained a consumer report from Lexisnexis. It does not state anywhere that I am involved in accidents.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (LA)

i check my credit report and notice a negative from PHOENIX FINANCIAL SERVICE ON XX/XX/2020 for a alleged debt of XXXX that i do not owe, I sent a letter on XX/XX/2020 to them asking for information concerning the validity of the entire debt from XXXX XXXX XXXX XXXX. I left a copy of the letter below for viewing.
Consumer complaint received 2020-09-30
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. (CA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX 2.XXXX 3.XXXX XXXX 4.EQUIFAX MTG 5.XXXX XXXX I am writing to XXXX and initiate a XXXX complaint against Equifax, XXXX and XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX BANK XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX SYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXXXXXX XXXX Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2023-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

FAIR COLLECTIONS & OUT has been harassing me with constant phone calls, beyond the acceptable hours during the day, and reporting false information to the credit reporting companies, even though I have told them they must have the incorrect debt information. 
I have lived at XXXX XXXX XXXX, XXXX, CO XXXX since XXXX, but they claim some address from XXXX XXXX in XXXX.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

On XX/XX/2020 we started the refinance application and we submitted all requested documents timely manner. Appraisal was conducted by the institution and we paid the payment. 

We had locking rates for 60 days. 

We were asked to resubmit various documents again and again. 

Now, USBank mortgage is delaying. 

Basically, this refinance would reduced our payment of {$200.00} per month. Bank is keep differing so they can extract more payment on going.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (GA)

On XX/XX/2020 I made a payment to First Progress Credit Card via XXXX at XXXX my Transaction ID # XXXX Refernce # XXXX. I received my XX/XX/2020 statement and my XX/XX/2020 payment is not reflected. I called On Monday XX/XX/2020 and spoke with a customer representative and did not get anywhere. I mailed in a copy of my receipt as of today to First Progress along with a money order for my balance on my account. I have two accounts with First Progress Credit Card. I would like my account to reflect my {$40.00} dollar payment as reflected on my receipt and I would like both of my accounts closed and refunded a total of {$400.00} mailed to me ASAP.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Preferred Collection and Management, Inc. (FL)

I am receiving multiple calls from this company, both from their published phone number ( XXXX ) and others, all urging me to " call for an important message. '' assuming I am XXXX  enough to call back and thus establish a " business or client '' relationship by initiating a call and speaking to them. There has been no written communication to document the nature of the purported debt. I have no outstanding debts as documented by a tri-agency credit report. This company is fishing for an opening. The multiple calls are harassing and likely based on a made up debt. 

The last call was on XX/XX/XXXX at XXXX XXXX. The last call was on XX/XX/XXXX at XXXX XXXX. This is the 5th or 6th call from this company.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

MACY'S/DSNB is reporting several late payments : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have never late on this account. I have sent multiple request to Macy 's and the Credit Bureaus but they always come back verified even though I have proofs of my on time payment.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/2018 A hard inquiry that is old a should be removed immeadtaly i tried to contact the credit buerau to updated this information, its been over 2 years
Consumer complaint received 2020-09-30
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. (NY)

Date : XX/XX/2020 Amount : {$180.00} Action Taken : I submitted a complaint through the CFPB and by mail asking for the authentic contract or application that created the debt. I asked for theauthentic contract for further review or this is considered willful intent to damage my credit worthiness. There is 1 account in question labeled XXXX XXXX. This means that EQUIFAX needs to send me the authentic contract or application as proof of compliance with the Fair Credit Reporting Act. The Fair Credit reporting act states that the authentic contract or application is to be shown to the alleged debtor when the alleged debtor submits a claim of fraud to the entity trying to collect the debt.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received a call while at work so I let it go to voicemail. A man indicating he was from FIA card services stated he had " 2 documents '' that would be turned over to the court if I did not call him back within 24 hours and it was in my best interest to call him or there could be negative legal implications. His name was XXXX XXXX and direct phone number XXXX I called him approximately 2 hours after the call. He again stated " he had 2 documents '' but would not tell me what these documents were. He stated I opened a credit card XX/XX/XXXX that I did not pay and was charged off XX/XX/XXXX. I tried to explain to him he had the wrong XXXX XXXX and that I did not open a credit card in XXXX because I was out of the country on my honeymoon during this date. The man on the phone became very aggressive and belligerent stating he was going to send the " 2 documents '' to the county court, although he would not tell me which county. 

I again tried to explain he had the wrong person and he would not listen so I told him to go ahead and send the documents to the court. The bullying and threatening behavior of these people are completely unacceptable!
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (OH)

Americredit pulled my credit without authorization on XX/XX/2020. As a result there is a hard inquiry on my XXXX credit report negatively impacting my credit score, which will remain there for two years unless they provide a " deletion letter ''. The company was contacted by phone when the issue was discovered. I was told they had no record of accessing the credit report and agreed to provide the letter of deletion. The letter was never received. Several follow up attempts, including an email sent on XX/XX/2020 have been disregarded. I have no other recourse or way to remove this inquiry from my credit report. Only they can rectify their error and they refuse to do so resulting in my hardship.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

I have called and/or emailed MOHELA multiple Times and after unacceptable wait times and half answered or completely unanswered questions about my loans I am desperate. They place my loans in forbearance without my consent and have not provided a monthly payment amount, and they have stopped counting my months in repayment period towards PSLF since XX/XX/24 and have not answered why, they have been avoiding/ignoring my questions or attempts to contact them and deflecting me to automated systems that do not help with my questions.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC (CA)

I bought a phone through XXXX XXXX XXXX XXXX and set up payments with XXXX XXXX the phone company in charge of the loan. This account never got paid and no one reached out to me to alert me of the delinquent payments. No attempts were made by XXXX XXXX  to contact me and no attempts from security credit services ( the debt collector ) have been made to contact me. By the fair credit reporting act this is unlawful and should be removed. I should also be given a fair chance/ ability to contact my debt collector to remove this from my reporting. This action is the most deceitful I have ever seen considering they also state the account was made XX/XX/XXXX yet I made this account last year in XXXX XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, ND XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was offered an XXXX XXXX XXXX by XXXXXXXX XXXX  in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXXXXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Consumer complaint received 2023-06-30
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: ALLY FINANCIAL INC. (CA)

We paid off our Ally Financial loan XX/XX/2023. Its now XX/XX/2023 and still no pick slip. 
They are refusing to waive the late fees that fall during Covid that is covered under the CARES act
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (NY)

XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA (CO)

They sent duplicates of my card to an old addresses that should not have been on file still. Then shut both cards down without notifying me of anything. I have now tried to order the card multiple times and have still not received one. I have talked to supervisors and others at the bank and feel passed around. I feel my security has been at risk because of what workers they have and the protocols that have been established by the bank.
Consumer complaint received 2020-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (RI)

In XXXX of XXXX there was a hit to my credit by Navient, the company who handles my student loans. This didn't make any sense because I had two automatic payments coming out for years. When I called them, they explained to me that they had started a third loan and I would need to set that up myself. I asked them if they called or emailed me to tell me about this new loan and they said no. I should have known that I changed programs and a new loan would start. This  exact same scenario happened again in XXXX of XXXX. Another new loan, with no explanation. On both occasions, I paid what I didn't know I owed immediately and added them to my current auto pay. They said they didn't have the ability to take it off my credit report.