davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (GA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7200.00}
Consumer complaint received 2020-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I emailed the National Credit Systems at the email given on the website XXXX on XX/XX/XXXX and they have not responded. 

I am emailing you about this complaint XX/XX/XXXX I'm assuming they are collecting a debt from an apartment complex I use to live at and they did not notify me they were trying to charge me for the cleaning services. 

I went to the website XXXX XXXX XXXX And I put in the amount owed ( {$600.00} ) and my social security number and nothing showed up. Clearly on my XXXX  Credit Report it shows a balance owed of {$600.00} from " XXXX XXXX XXXX  '' which is the company that hired National Credit services to charge me for the debt. 

On the website link XXXX XXXX XXXX It clearly states on the website " To obtain account information and/or make an online payment, you must login by entering any two of the three fields below. '' But that is a lie. 

I can't call them during business hours because I'm always working and I can't have my cell phone at my job.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have ( 1 ) 30 day late with Bank of America. The month that is was late. I called and Requested something to be done to help me out. I got transferred to a supervisor and the supervisor ensured me that it was okay, The will honor a 1 time forgiveness and it will be removed from my credit. Since that day have I haved to get this removed and I still can not for the life of me. They say ALL calls are recorded, Yet they won't pull up that phone call and honor what they promised. Please hold them accountable for this call and for not removing this from my credit as it has prevented me multiple times from getting things approved credit wise.
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc. (MI)

I have been having XXXX dollars taken out of my checking account for the last 6 months. I reached out to them on XX/XX/2024 to cancel my membership which I didn't sign up for, I recall that I went with the free version of membership. They informed me that I can not cancel my membership cause I owe them XXXX for a loan that I can not access.I have not received a XXXX of the " loan '' but I owe them a XXXX Please help me. I am on XXXX and unfortunately XXXX is a lot of money
Consumer complaint received 2020-01-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (WA)

I have received two different voicemails from this company implying that they will be making a future recommendation to my unresolved business matter with them. Their voicemails sound threatening. First voicemail was XX/XX/2019 @ XXXX XXXX  stating Xxxxx xxxxx this is XXXX XXXX with Alliant Capital Management Im calling in regards to your unresolved business matter in my office you wanted to take care of unfortunately this is my final courtesy call I will be making in reference number of xxxxxx as of today still no statement on file which at this current point leaves me little choice but to make a decision with the information I do have if you would like the opportunity to change the potential outcome you need to contact my office back at XXXX and I will document that you are aware of the situation then on XX/XX/2019 @ XXXX I received another voicemail from XXXX stating xxxxxx xxxxx this is XXXX XXXX with alliant capital management giving your final courtesy call as I will be making a recommendation to your unresolved business matter in our office serving a transaction you previously authorized. If you would like any input on the outcome on this situation a returned call is required. My number is XXXX. Both of these voicemails sound very threatening on the outcome not sure what she means by a recommendation and final outcome each time she calls but it leaves me with an uneasy feeling. This companys scare tactics need to be reviewed and no voicemail needs to be left like this especially when my name is not on the voicemail box. I also never received anything in writing from this company just these voicemails. Also they are spoofing numbers
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

In 2019, this account was paid off in settlement with the agreement to have it removed from my credit bureaus. Paid in settlement. {$15000.00} written off. They refused to provide purchase agreement. Additionally, refused to remove from my credit report as stated JPMCB CARD XXXX XXXX XXXX XXXX, XXXX XXXX
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

For the last 2 years, Experian has been reporting inaccurate and unverifiable information on my credit report. When asked to provide proof of verification, they either reply with verified by company, or even more commonly not respond at all ; which they are notorious for.
Consumer complaint received 2020-01-01
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: EQUIFAX, INC. (FL)

Continue to show a paid mortgage of 4 years ago. Even after as paid causing adverse action. YOU continue to show my name as XXXX XXXX XXXX XXXX How XXXX are you? Even after multiple attempts to repair you don't give a XXXX or are totally XXXX  and XXXX. You choose.
Consumer complaint received 2023-06-28
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. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-10-05
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the XXXX report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the XXXX report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2024-04-08
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: Rent Recovery Solutions (TX)

15 u.s.c 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2020-01-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (SC)

Tina Bank Loan # XXXX To Whom It May Concern, Im writing on behalf of my mom. My mom is a XXXX year old woman who has lived in her home 29 years or more. She and my dad, XXXX XXXX purchased this home in XXXX for {$87000.00}. The address of the home is : XXXX XXXX XXXX, XXXX, SC XXXX. On XX/XX/XXXX, I called TIAA to inquire as to the balance owed. I was told by XXXX, the house was refinanced in XXXX with an amount of {$60000.00} still owed. I remember a refinancing to get a lower interest rate but no equity was dispensed. And if my mom received money for upgrades to the house, please give check # and the amount of check issued in XXXX, XXXX. She had nothing on file. The bank of record at that time wars Everhome Mortgage. So with a 30 year mortgage and no equity withdrawn, the house should be paid for. With her still owing {$60000.00} that means only a $ XXXX went toward the principal. I need some assistance. Ive been added to her account, so there is no privacy laws at risk. I can be reached at XXXX or XXXX. 

Thanking you in advance, XXXX XXXX
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (NY)

I am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.
Consumer complaint received 2020-01-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On or about XX/XX/2019 I was contacted by Portfolio Recovery Services with regards to a collections account. After speaking with them for several minutes I agreed to pay off the settled upon amount of {$400.00} dollars or so. I agreed to make MONTHLY payments of {$65.00} f or six months. I was told there would be a bill mailed to me and I waited for that. 
Upon receiving the first statement I mailed a check for {$50.00} which was the incorrect amount. I do not know why this happened but I do take responsibility for that mistake. From there on I have continued to make payments in the amount of {$65.00} each month. The phone calls began immediately after the first payment was submitted and cashed and have not stopped even though I have requested that they terminate any contact with me. The calls are relentless, they come in on " ghost '' numbers, are continuous even on weekends and they have also contacted my place of employment. That is where I draw the line. My employer has nothing to do with my credit history and even after I made it very clear they were not to call my place of employment they still did. Their contention is that I agreed to make weekly payments and not monthly which is not what I agreed to. I asked them why I would agree to make payments every week instead of paying it off in one lump sum? It offers very little to no advantage to stretch payments out weekly. At that time I felt comfortable making monthly payments and so I continued to do so, on time, every month. 
I spoke to their representative again about 2 months ago and I thought we were again in agreement. Apparently they do not honor their commitments or have a comprehension issue. I asked them to stop calling me and to send me statements so I can finalize this debt. The calls continue and the statements if they arrive are erratic. 
I have one more payment to make which I am going to withhold because as they threatened in some of the phone calls they marked a late payment on my account even though that was not the case. I was specifically told in the beginning that even though they could not sue me due to the amount of time that had passed they could submit negative information to the credit bureaus, which they subsequently have done. 
There is no reason for this to have occured, because as you can see from the checks I have attached payments were made every month without fail. Yet the phone calls persist and the negative information is on my credit file which I am disputing. I am also going to be initiating legal action for harassment and seeking restitution with the help of my attorney.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XXXX XXXX I opened Acct XXXX with Citizens Access using a XXXXXXXX XXXX check for {$8000.00}. 2 Days later Citizens access later closed my account without telling me why. 

I called Citizens 4 different times and each time I was told that they could not refund the money to directly. XXXX XXXX  would have to fill out a 'form ' and request that funds back on my behalf. 

I called XXXX XXXX  3 times and each time was that there is no 'form ' to fill out. 
It is not something XXXX XXXX does once funds clear ( which they did on XX/XX/XXXX ) So Citizens refuses to return the {$8000.00} to me. 
XXXXXXXX XXXX say they can't help me.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Credit Reporting Agency : I am an identity theft victim. 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 any way. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-13
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. (NY)

Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.
Consumer complaint received 2020-01-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Credit Corporation (WA)

Merchants credit has called me multiple times before XXXX and I know that is against the law. This company would harass me by calling back to back up to 6 or more time daily and even called me at work, which is also against the law. After I told them I am not allowed to accept calls at work they continue calling, they even spoke to my supervisor who told them that I am not allowed to accept calls at work. I eventually getting in trouble for them calling me so much on my work phone. I have requested several times that they send me information regarding what they say is owed and to which company and they never provided that information which is also against the law. They have threatened to take legal action several times against me. The way that they talk to customers is ridiculous and sometimes needs to be done with this company.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (FL)

Debt was never incurred I paid traffic fines within time allowed in XXXX. This is a total scam. On XX/XX/XXXX, I attempted to communicate with law firm Perdue Brandon Fielder Collins & Mott LLP but they werent receptive and said a warrant was issued for my immediate arrest and Id be jailed. 
I contacted XXXX XXXX XXXX of the Courts and they have no outstanding fines against my license plus I had applied for a job several years ago that required a lifetime driving report and there wasnt any outstanding tickets or suspensions.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (OH)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2024-02-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CT)

On XX/XX/XXXX I called Credit Collection Services to stop auto payment on XXXX auto withdrawals set up. I told them I never received verification of a debt from XXXX XXXX and feared they never cancelled an account after I moved. They agreed to stop the XXXX future payments on XXXX  and XXXX and to put my account in dispute. They agreed to notify the credit bureau it was in dispute and that they would send me verification of the debt. They never did. They charged my account against my permission. They never notified the credit bureau that its disputed. I have no proof this is my debt and I told them I dont understand why it was reported as I set up a plan of payment. Its fraud to not provide proof and charge me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I purchased my home in XX/XX/XXXX with XXXX XXXX XXXX  who sold my mortgage to XXXXXXXX XXXX on XXXX I refinanced my home with XXXX XXXXXXXX XXXX. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. 
XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. 
I have attempted to get all statements of my account from XXXX XXXX XXXX, I have also filed disputes with different agencies. XXXX XXXX XXXX now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. 
In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Equifax is reporting outdated accounts and I have tried on several occasions to close them with no luck. The following accounts should be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Additionally, there are unauthorized inquiries on my report. Please remove them. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX