davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TX)

The calls started in XXXX till XXXX of XXXX. I was getting 3-4 calls a day. I feel that I was being harassed. I decided to answer the call from Cavalry and the person i spoke with he told me the amount I owed for a debt that XXXXXXXX XXXX XXXX wrote off. I explained to him I had a lawyer and I didn't owe the amount they were say I owed. I even explained to them I had also contacted cfpb. They didn't seem like they cared. I even told them about the charges were wrong. I Don't even think the original company who knew the right amount. I have had 5 different collection companies try to collect on this debt. I have harassed, also been called the f word and also other bad word. 
The company has sent me to court now for this debt I don'y owe that amount. I have told them months ago. 
I also had filed with your company on XXXX XXXX. I got a packet from there company, The dates were back from XXXX and XXXX didn't have XXXX XXXX  take over till XXXX of XXXX. I tried calling the person that sent the packet. I never respond. They would say I never called because that is what they did last time I had complaint. I would like to know how they can harass me up to 5 times a day. This has been going on for 3 years. I had to change my phone number and also get a blocker on my phone. I am still getting phone calls from this company and my husband also gets them. They can ruin my credit but nothing happens to the companies. I am enclosing the civil court from the county I live in. There is a letter I sent to the person ( XXXX XXXX XXXX ), I also tried calling him but the operator told me he doesn't work there anymore. Now I don't know what will happen now. But also mailed and faxed a copy like my lawyer told me too.
Consumer complaint received 2020-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (FL)

I HAVE NO DEBT WITH THIS COLLECTION COMPANY, The company has failed to identify documents signed by me, the company never sent over file with documents to prove that this debt is mine the company failed to provide proof of this loan payment and amount
Consumer complaint received 2020-01-15
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: Experian Information Solutions Inc. (GA)

I have reached out to Experian and XX/XX/XXXX several times starting XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 all by certified letter to remove all NEGATIVE ITEMS OFF OF MY CREDIT REPORTS. Along with Court Ordered Documentation, both Credit Reporting Agencies REFUSE to Remove these items. XX/XX/XXXX was the ONLY Agency to Remove all Negative Items I requested. XX/XX/XXXX and Experian both told me over the phone " THEY WILL NOT REMOVE AND CAN NOT REMOVE any NEGATIVE ITEMS ''! WHY IS THAT? XX/XX/XXXX had no problems! Due to Identity theft these negative companies and fraudulent address are still on both of my credit reports. See lists below : These items need to be REMOVED! 
Address : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XX/XX/XXXX XX/XX/XXXX CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WY)

I have had Federally supported freezes set up on all 3 major credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to log into my Equifax accounts to control Federal freezes. I was able to reach a live person after long phone waits and exhaustive questioning, and while all the reps speak limited English making the process more difficult than necessary I finally got a competent rep who said my account was permanently locked, and while they could/would not explain why they were supposed to delete it and inform me via email so I could try and re-establish. It has been two days and that has not happened yet. XXXX  is even worse ( different complaint ) but I have absolutely no problems with XXXX  and am recommending to lenders that they simply use XXXX  until the other two agencies improve their customer service.
Consumer complaint received 2020-03-08
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. (AZ)

Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, XXXX XXXX AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

The payments were becoming to overwhelming to pay every month ; alongside with car insurance, totaling roughly XXXX month. To make matters worse, the transmission had went out ; but i still owed payments on the car. I went to a few car places, some werent able to fix the issue, but one place said that they could. The price that they offered was very outstanding and i couldnt afford it. I retrieved my car, called XXXX XXXX XXXX and let them know i wanted to surrender the car. I dropped the car at a local XXXX dealership ; the representative offered me to buy another car, i refused. The car was putting me in hardship, i thought i relieved some stress by surrendering ownership of the vehicle. Nissan Motor Acceptance picked up the vehicle in about a few weeks ; sold it, sent me a letter stating that I owe over XXXX. Considering that they have sold the car, the amount only decreased about XXXX. Honestly, I think that is too much money that i should be left paying for a car that I do not have possession of anymore.
Consumer complaint received 2020-03-08
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts onXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  and XX/XX/XXXX To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from Experian and XXXX  but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, XXXX, & Experian. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and Transunion but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from Transunion, XXXX, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (NC)

I got a insurance claim from XXXX  I put it on a Venmo they say its was put on there but a fruadulent account XXXX they let someone spend over XXXX then said XXXX be I can do anything
Consumer complaint received 2023-05-12
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX Balance {$4900.00}.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (MS)

DEBT COLLECTOR USED ROBO DIALER TO CONTACT ME ABOUT A DEBT NOT BELONGING TO MYSELF. 
WHEN I ASK WHY THEY USED A ROBO DIALER I WAS TOLD IT WAS COMMON PRACTICE, I REPLIED THAT The Telephone Consumer Protection Act ( TCPA ) prohibits robocalls made to cell phones without a user 's consent.THAT AS OF XXXX THUS YEAR THE U S COURT SYSTEM REMOVED DEBT COLLECTION EXCEPTIONS TO THE TCPA.
Consumer complaint received 2022-11-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-15
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: HCFS Healthcare Financial Services of TeamHealth (TX)

SEE ATTACH DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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. (MD)

Experian credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX. XXXX is reporting 30 days late in XX/XX/XXXX andXX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours  talking to both XXXX and Experian on XX/XX/XXXX, and filed an online complaint on the Experian website, without success. As of XXXX, XXXX, XXXX, Experian has not updated its reporting on XXXX/XXXX  XXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, XXXX  has not updated its reporting on XXXX/XXXX.  XXXX, as of XXXX, XXXX, XXXX.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is a follow-up to complaint XXXX which has since been closed. The bank reached out to me and did not close the account as requested. I've made countless attempts, wasting over four hours of my time, in trying to close this bank account. Following receipt of my complaint listed above, a bank representative reached out to me only to tell me that she could not close my account and that I would need to reach out to another department to do so. She contacted the department while I held on the line. After over 45 minutes on hold, I had to jump off the call to attend a work meeting. The representative provided me with a number to call the department at a later time. Days later when I had a small gap of free time, I attempted to reach the number. The representative told me that it shouldn't take long to do, as her last call took 3 minutes to close their account. A function that could not be performed since my account was now in the negative after more fees had accumulated for not maintaining a balance. After explaining my ordeal, this representative directed me to yet another department that had to override the negative balance. I along with the representative waited on hold for close to an hour, when suddenly my call with this representative was disconnected. I am at my wit 's end here and need this account closed and do not intend to spend another second of my time in doing so. If this requires that I take to social media to resolve, then so be it. Nobody should be made to endure this level of inconvenience to perform a simple function.
Consumer complaint received 2023-05-15
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. (PA)

15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX  account number XXXX  XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.
Consumer complaint received 2020-03-08
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. (MI)

Initiated several disputes to XXXXXXXX over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Several of the disputed accounts were removed, but some that got a lame reply back that their records show the company that reported the information has certified to that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of ORIGINAL signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

On XX/XX/XXXX, my and I traded in our vehicle and contacted Santander to request the payoff. We received the pay-off information and submitted the check. XXXX XXXX, a representative for Santander that works in the accounting department was informed that my wife and I would be sending the check to pay-off our vehicle loan. 

The check was mailed on or about XX/XX/XXXX. Santander received our check and processed it. My wife and I attempted to purchase a vehicle three weeks ago and were informed that Santander reported the vehicle installment loan as a " charge-off! '' We have evidence supporting our claim that our check was processed and received by Santander. We are requesting that Santander remove the inaccurate reporting from our personal credit profile.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (WI)

I have had the XXXX Rewards card for a couple of years now. I constantly use this card and I have never had a late payment. I have tried to increase my limit of {$250.00} for some time now but they refuse. I have been very good to them and it is the least they can do. Card ends in XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance witht the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (WI)

I received calls from them. Some times, I have received calls 47 times in less than a minute. I think this is excessive spamming and robocalling. I wrote to them in XXXX disputing the information and they stopped for a few weeks. Then at end of XXXX, they started again. Even my attorney requested them to stop. Attached is letter that my attorney sent to them. But they have refused to stop calling. Their robocalling is excessive.