davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NY)

I sent a request to Caine & Weiner Comp at XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX to do a full investigation to verify debt that they claim is owed to them from XXXX XXXX, I have denied that claim on more than 1 occasions and the only thing a received was a bill. I reached out to XXXX XXXX and they have No account of me. I asked for original Contract with my signature written or digital signature and a complete payment history as well as proof of credit litigation and haven't received it, how are Caine & Weiner verifying the debt if XXXX XXXX has no info on me. I have a right to receive this info from Caine & Weiner and they have failed in this request.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on I.C. SYSTEM, INC XXXX Balance {$190.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC (CA)

ATG Credit called and sent me a letter, to purport I owed {$3800.00} for XXXX XXXX XXXX XXXX  ( which is a lie and also totally preposterous ) of a made up initial debt of {$4000.00} from XX/XX/2018. The Doctors office is XXXX XXXX XXXX ( XXXX ) XXXX I had paid at the time of the test and then my health insurance paid another {$37.00} I NEVER got even one bill from XXXX XXXX in this time, almost 6 years ago. Not one phone call either until a call in XXXX where she tried to get me to make a payment. I never ever heard about this until this phone call.I called XXXX XXXX XXXX  office and they were also shocked. They told me XXXX XXXX has gone bankrupt. 

This is some sort of bizarre collection around the bankruptcy and acquisitions of many failing companies buying each other in a legal mess and making up false charges to try and collect as much as they can from people who don't owe anything from a long long long time ago. You can read about it online. 

It is obviously made up and the most bizarre thing I have ever experienced. Ive had a lot of XXXX XXXX over many decades and no XXXX XXXX XXXX ever costs {$4000.00}! Ive never seen any XXXX XXXX ever cost even as much as {$500.00}. This is common knowledge and common sense. AND Any actual medical bill is sent to the patient to pay a month later, not 6 years later, and it's also not conflated to be ten times what it actually costs. 

I also have never ever had a bill in my life go to collections. I pay all bills that are received and also real. 

So unethical.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Hello, I recently reviewed my credit reports with XXXX, XXXX and XXXX. I noticed a paid credit collection on my reports. As I was unaware of this dept I disputed it with the 3 bureaus and asked them to validate dept and send me documentation. I received responses from XXXX & XXXX both validating debt per creditor. I called to see what kind of documentation they received to validate this debt, I asked specific questions about the debt, and they said that it was just validated and if I wanted information I would have to call the creditor directly. I requested information from XXXX so that I could validate the dept. They sent me the original contract, which has a date missing by a Signiture, I asked for receipt of payment to see who made the payment and to verify amounts. I asked for any picture or photo ID linking me to the debt, I asked for delinquency dates, and I asked for XXXX licensing number. Please review my emails. The response I received was that they are not sending me verification or validation because the account was closed, even though they are still reporting it to all 3 bureaus. I am taking this very seriously and want to file a formal complaint agains XXXX and I Want this collection removed from my reports immediately. I should be able to verify anything that is being reported about me.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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 2021-11-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (NV)

THIS COMPANY SPEEDY CASH XXXX HAS REPORTED ON MY CREDIT REPORT AFTER MY BANKRUPTCY WAS FILED. ALL DEBT OWED SHOULD BE CLEARED IN MY CHAPTER XXXX. THE COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2022-12-16
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. (TX)

Incorrectly reporting information to credit bureau and not in a timely fashion. Reported no activity to Experian for the month of XXXX when balance was paid and there was a XXXX balance. Then updated for XXXX to XXXX when balance was XXXX. Multiple times XXXX XXXX XXXX has not reported payment and balance information that I have had to call and resolve after many many attempts and complaints. My credit score is inaccurately reflected and this is multiple times now that I have to call and dispute to get resolved in which they require me to send a mail to them with my credit report and the error which I shouldnt have to do because its their fault. Also I submitted a dispute with Experian about the inaccuracy and XXXX still doesnt respond to the dispute with ACCURATE information AND Experian isnt following up on the innaccuracy of the report. I made a complaint with Experian that XXXX was incorrectly reflected for XXXX and they closed the dispute without making any changes. I was going to buy a car today and their inaccurate reporting has caused my credit to drop and therefore higher interest rates.
Consumer complaint received 2021-11-15
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)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX # XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-15
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: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT ACCEPTANCE CORPOR ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

Diversified Adjustment Service , Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Winding down to closing with the home loan up to Friday I had sent multiple emails and my loan officer and document specialist were out of office ( I plan to close the following Monday. The supervisor of the loan officer was not returning my call. I had yet to receive an accurate closing disclosure with the correct rates. There was also no communication from my loan officer to my real estate agent/ title company. As far as an online loan experience this whole process has been terrible. With little communication, no replacements for my loan officer.
Consumer complaint received 2021-11-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on WILLIAMS AND FUDGE I ( Original creditor : XXXX UNIVERSITY ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AL)

I obtained a payday loan in XXXX. I honestly forgot about the loan. I explained to them after no longer having income that I could not pay the loan. I closed the account it was coming from not to do anything fraudulent. I closed it because they kept trying to draw out an account that had no funding. It was so long ago, I honestly forgot about the loan. I received a call today at my job in XXXX saying that they are going to send papers to sue me tomorrow to my address if I do not pay over {$460.00} or so. I can not pay that out of the blue. The amount I borrowed was {$110.00}. The loan account # is XXXX and is in collections. There is a man calling me from XXXX XXXX XXXX by the name of XXXX XXXX. He has the last four of my social security number. He told me they will see me in court and the paper work will be delivered tomorrow. I explained to him I could not make that type of payment out of the blue. I reviewed my emails from years ago, and I took this loan out in XXXX. I can pay the XXXX over two payments. I did borrow that. I went through a whole lot after borrowing it also. I did not plan to not pay them back. Any assistance that can be provided will help.
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (OR)

It has come to my attention QuickCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately. 

QuickCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340. 

The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it. 

This company called so many times that I had no choice, but to keep my phone on silent or possibly lose my job which caused me to miss a phone call and miss the birth of someone very important to me. She wasn't even able to leave a voicemail because it was full of all their missed calls. This is something that I will ever have the opportunity to experience again. 

I have attempted to notify them via email multiple times, but they refuse to respond. While skimming through my spam email folder today I discovered an email from a collection company by the name of XXXX XXXX XXXX, XXXX who claims to have been given my account from another company by the name of XXXX XXXX XXXX both of which I have not had any contact with. 

I replied to the from XXXX XXXX XXXX, XXXX notifying them of the unlawful actions of the company and that my agreement with them was legally void. I also typed out a letter with the same notice to them that will be in the mail tomorrow.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (SD)

Around the XXXX to XXXX I have called to try to pay off my auto loan but they will not accept payment. I created an online account to pay it off and still can not pay it off. I mailed a check out to pay it off on XXXX but they are saying they have not received it but yet another check mailed at the same time has posted.
Consumer complaint received 2022-05-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA (PA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-01-31
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. (MI)

On XX/XX/2019 I emailed XXXX  XXXX XXXX regarding two accounts reporting incorrectly on my credit reports ( XXXX, Equifax, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I called and reported to XXXX XXXX and EXPERIAN that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies XXXX XXXX and EXPERIAN all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by XXXX XXXX I was affected by XXXX inXX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too XXXX  on XX/XX/2020 while still in FB. Upon acquiring my mortgage XXXX proceeds to report me delinquent during this protection period. They were aware of the COVID FB bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted XXXX regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (FL)

Few months ago I opened up a BMO checking account for the {$200.00} sign up promotion for " Receive two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening ''. I completed the requirements but the {$200.00} sign up bonus never posted to my account. I checked my account today and account has been closed. This seem like a switch and bait where they advertise you to sign up and refuse to pay and simply close your account.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2019 I emailed XXXX  XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( Transunion, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by XXXX mortgage I was affected by COVID-XX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too shellpoint on XX/XX/2020 while still in FB. Upon acquiring my mortgage XXXX proceeds to report me delinquent during this protection period. They were aware of the COVID FB bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted XXXX regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies