davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CA)

XXXX XXXX XXXX based in XXXX, Texas is harassing me that they would sue well over the statue of limitations. 

XXXX XXXX account that was sold which XXXX XXXX now no longer sells to collections : XX/XX/XXXX XXXX XX/XX/XXXX XXXX* Closed Date. 
Account was sold on XX/XX/XXXX XXXX* There contact phone : XXXX XXXX XXXX XXXX XXXX , tx
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX, TransUnion, and XXXX  ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUSexpeditiously and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my reports.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Collection company is reaching out to me about a debt that isnt mines. 


Ive never worked with the collection company nor do I have a contract with the company nor have I at any given time. 

Ive tried to work with the company and informed them Ive never worked with them but they continue to come after me.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to withdraw cash from Bank of America 's ATM on XX/XX/XXXX evening. 
After I put the amount of cash, the screeen frozed. 
I taped many times to fix it but the machine never responded so I gave up to get money and just left the site. 
I believed that there was no transaction at all but I checked my account later, there was transaction for that!!! Where is my money!! 
The amount is {$900.00} so I called Bank of America to craim dispute. 
I was sure that I could get money back but they denied my craim!! so I did second claim but again they denied and I did one more time but it was denied. 
What kind of investigate did they do? 
I asked them to check the security camera so I am confident that I didn't receive {$900.00}. 
This is not fair. I feel like they stole my money. 
I can't give up that so until they give me money back I want to fight.
Consumer complaint received 2021-06-23
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: MRS BPO, LLC (FL)

MRS BPO LLC reported a XXXX  Account to the credit bureaus against my information. I have contacted XXXX fraud team who has investigated this and informed MRS BPO of the fraud. An original CFPB complaint was entered on XX/XX/2021 for this initial situation XXXX. 

MRS replied to the original complaint that they had resolved the issue and notified the credit bureaus to delete the collection from my credit report. A dispute was also filed with XXXX concerning this collection. 

On XX/XX/2021, I was notified by my credit monitoring service that the collection was reported again for XXXX after it was deleted in XXXX. I contacted XXXX  about this and they have informed me that MRS has continued to assert that the debt is mine. MRS continues to ignore the information provided to them by XXXX XXXX concerning this fraudulent account. I have made multiple attempts to get this resolved with MRS but I was told by one individual that I would have to go back to XXXX to clarify this and by another individual that this account is still with MRS and denied having received anything from XXXX. This is in direct conflict from the prior case resolution from MRS and the information I am being provided by XXXX.
Consumer complaint received 2021-07-27
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. (TN)

I HAVE BEEN TRYING TO GET THIS FRADULENT ACCOUNT REMOVED FOR YEARS. AT ONE TIME IT WAS REMOVED, THEN XXXX AND EXPERIAN PLACED IT BACK ON SO I CONTACTED THE COMPANY AND AFTER THEY INVESTIGATED IT, THEY SENT ME A LETTER EXPLAINING THE ACCOUNT WAS OPENED FRADULENTLY AND IT WOULD TAKE ABOUT 90 DAYS TO REMOVE IT. HOWEVER, I COULD EXPEDITE THE PROCESS BY SENDING THEM THE LETTER AND OTHER INORMATION.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

Upon reviewing my credit files, I, the consumer noticed that Medical Data Systems furnished an alleged debt to consumer reporting agencies. I never provided written consent for Medical Data Systems to communicate with me which is a violation to my consumer 's right to privacy pursuant to Title 15 U.S.C. 1681. Medical Data Systems is also in violation 15 U.S.C. 1681 ( a ) 3 Restriction on Sharing Of Medical Information. Medical Data Systems willfully violated 15 U.S.C 1692b Acquisition of Location Information, 1692c ( A ) Communication in connection with debt collection, 1692d Harassment or abuse, 1692e False or misleading representations, 1692f Unfair practices, 1692g ( A ) Validation of debts, 1692j Furnishing certain deceptive forms.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Premier Auto Credit (CA)

In XX/XX/2019, I opened a car loan with Premier Auto. Recently I discovered that they have been charging me an {$85.00} LDW fee every month since XX/XX/2019, despite having continuous insurance coverage on the vehicle. I emailed proof of continuous coverage and received no response. I then emailed several times and called and left messages after in an attempt to get a response and reversal of these fees. Still, no response. My latest statement for XXXX just posted online and there is another LDW fee attached. I have been charged 19 LDW fees totaling {$1600.00}. There also have been several " Other Fee '' charges as well totaling {$140.00}. I already pay a {$7.00} online payment fee with my normal payment of {$410.00}, making the total I pay each month {$420.00}. I would like to know what these " Other Fee '' charges are for and if they are erroneous, I would like them reversed. I also would like a reversal of the {$1600.00} LDW fees.
Consumer complaint received 2024-01-30
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

As the home market has increased significantly, I have been trying to talk to them about removing our PMI. They have continually claimed they " can not find '' or are " missing '' my original loan documents. They claim to have ordered them, but that was back in XXXX, and as of yesterday, were still claiming this, although they don't seem to have lost any of the actual loan paperwork. I have proof that we are well below the 80 % loan to value, and a representative yesterday confirmed that our loan is currently at 79.57 %, based on old appraisal numbers that are nowhere near the current value. But this company REFUSES to remove PMI. They are stating that they will not remove it until I pay them for a full appraisal, which is absolutely unacceptable. We have proof of no longer needing to pay PMI, and they are in violation of the Homeowners XXXX XXXX of 1998 by refusing to cancel the PMI. Since they verified I am below 80 %, and my loan was based on the appraisal ( albeit it low now ) that they have on file, there is NO REASON for them to force me to submit to a fully-paid appraisal. I have made repeated requests, and am only given lies and now an attempt to extort me for the cost of an appraisal. I want my PMI canceled and I believe the premiums I have paid for the past two months while they have lied to me about missing paperwork should be refunded.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

Date XXXX Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
XXXX Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review Resolution : 1. Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

2. Wells Fargo Dealer Services to remove all missing/ not applies funds we have sent to you. 
2. Correct my credit for WFDS have reported multiple negative credit reporting in which has affected my credit score and my ability to obtain credit being extended to me. 
3. Remove all late from my credit reports This has been the worst most stressful experience I have ever dealt with Wells Fargo branches and Wells Fargo Dealer Services. 

Attached proof for your review
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

Someone from the Company duplicated my mobile account upon the time of first opening and I spent months and months trying to explain this to the phone company but what happened was they did nothing and I received the final bill and the letter of debt collection on the same day.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Healthcare Collections, LLC (MO)

I have been back and forth with this company. Im unaware of this debt. I have never received the opportunity to dispute this before they put it on my credit report, I never received notification. If company feels that I have can they please send me trail of content on which the day they received the debt, the day they mailed the notification out and the certified mail receipt slip that says that I received it and the signed copy with my signature all within that 5 day period date stamped. To date I have received none of these items
Consumer complaint received 2021-06-23
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

i am a XXXX  posted in USA for three years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries?

Portion of my credit score is also including student loan and mortgage loan but i am not a US citizen  and never took these loans.

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.
Consumer complaint received 2021-06-24
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. (AL)

Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove the item " DEPT OF VETERANS AFFAI  Account Number : XXXX '' off my report. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws.
Consumer complaint received 2021-06-23
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. (MI)

On XX/XX/XXXX at approximately XXXX EST, I contacted Equafax 's Fraud Department. I spoke to an agent by the name of XXXX ( agent ID XXXX or XXXX ). I let her know that I was calling regarding a transaction I did not recognize on my report by XXXX from XX/XX/XXXX. She told me that she was not able to remove the account. I let her know that I am very well aware of the laws of the CFPB and FCRA regarding removing inquiries that are unknown/unrecognizable. She proceeded to tell me she would not remove it and that XXXX had to remove it. I let her know that I spoke to agents at XXXX and XXXX and that they gave me no issues after they understood my complete knowledge of my rights. She refused to put in a dispute and I was not going to go back and forth with someone who doesn't understand the laws that are part of their job.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the XXXX bankruptcy court. I reached out to the XXXX bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The XXXX bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.
Consumer complaint received 2024-09-20
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. (TX)

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme stress and XXXX. I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the XXXX bankruptcy court. I reached out to the XXXX bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The XXXX bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CT)

I opened a retail credit account with TJ MAXX about a year ago. I owed about {$75.00} on the account that I paid last XX/XX/XXXX when I requested the account to be closed.

Since then I have been charged a late fee of {$35.00} every month which is not permitted since I owe nothing and repeatedly stated the account had been closed to the debt collector SYNCHRONY BANK which now claims I owe {$220.00}.