davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (MD)

I had XXXX services and over a year ago I changed my package from Cable, Internet, and Phone to Internet only. I was quoted a contractual price of XXXX per month for XXXX internet and a flex box. I was never charged the agreed upon price it was always higher, I called to complain and also complain about the internet connection and was told I needed the white router ( never mentioned it was higher ). The white router did not solve the issue and XXXX sent a technician in which he set up the a new router and took the old. That is one issue - equipment I do not have. 
The second issue was always being charged between XXXX and XXXX a month. XXXX also by the way charges 1 month a head of time. I had set up payment arrangements for XX/XX/XXXX when you do this you have to pay all previous balance. I paid XXXX which was for 2 months. Of course this rate is still not XXXX they have never charged the agreed upon amount. XXXX I was disconnected and advised I dont want to reconnect. They said I owed XXXX. I advised when they correct the bill I will pay it ; also I turned in my equipment and advised again I the technician took the old router. They are still charging me the incorrect amount of XXXX. This is an incorrect amount and I was never charged the correct amount. I should not be charged for equipment that the tech took as I turned in the XXXX devices I had and was still advised to call back XXXX again so they can send a signal to a device I don't have. Why do I have to keep teliing them the same thing. Why can they not just send the signal to see I do not have it. I do not believe I owe XXXX anything as this company charges you a month ahead of time for services. Also, they never stuck to the contract that we agreed upon and I was overcharged each month.
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

on XX/XX/2020, I revceived a notification on all three credit bureaus that Credit Collections Services, XXXX XXXX XXXX, XXXX, MA XXXX Reported a debt allegedly owed by me to XXXX XXXX XXXX : acct # XXXX XXXX XXXX Amount {$360.00}. This was the first time I was informed of this attempt to collect this debt, So I immediately sent a certified letter to Credit Collections Services, requesting full verification of this debt. The letter was received by one of their agents on XX/XX/2020 at XXXX am. On XX/XX/2020, I received a bill from Credit Collection Services for the {$360.00}, but no type of verification Pursuant to 15 U.S.C 1692g of the fair debt collections practices act, I am legally entitled to request that the supplier of this unverified information supply me with all the information, including the information on the original creditor, all accounting that led up to this figure that they are reporting and a signed contract giving them the legal right to collect on this debt, furthermore, I want to see their bonding information and licenses stating that they have the legal right to collect in the state of Florida. 

Credit Collection services has failed to respond to my request, continues to report this information to the credti bureaus and has even updated the dates without responding to my request, which is a blatant violation under section 15 U.S.C 1692g of the fair debt collections practices act.

Enclosed is a copy of the USPS tracking that clearly shows that they received my request and blatantly ignored it. 

I spoke to a customer service rep from the company on XX/XX/2020 by the name of XXXX XXXX, and he informed me that they have my address listed as XXXX XXXX florida as opposed to where I live in sunrise fl, but that should not make a difference.
Consumer complaint received 2023-01-16
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. (AZ)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2020-06-08
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. (VA)

Equifax ; XXXX and XXXX should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-08
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. (AR)

I called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.
Consumer complaint received 2023-01-16
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called XXXX to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.
Consumer complaint received 2020-06-08
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: Credit Plus Inc (MO)

On XX/XX/2020 there are 3 inquiries from XXXX XXXX and two from XXXX XXXX. 
These are ALL REgarding ONE refinance inquiry I made. I contacted XXXX XXXX of XXXX XXXX. After sending him documents FOR TWO WEEKS to look for a lender as he deals with wholesale mortgage lending. He informed me that he had no time to work with me and said he was handing me to XXXX XXXX to manage. This guy sits in a desk near XXXX and he said he would give him my file. 

WITHOUT INFORMING ME, he pulled my credit report. However, instead of reviewing my file carefully, XXXX XXXX made TWO MORE inquiries on my credit file. I NEVER was told the name of his company XXXX, he simply made 2 more inquiries!!!! Further, he stated that he must 'pull a report ' three times for each bureau! He lacks understanding of the process and I want two of those inquiries removed as they were not done with permission or consent. I have another mortgage lender I am working with and they received ALL 3 credit bureau reports in ONE 'pull ' or inquiry. 

Thank you for helping me get these removed. I did confirm with XXXX XXXX that he works 'under ' XXXX XXXX but that he has his company XXXX.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (WI)

I got auto financing through XXXX XXXX ( XXXX XXXX ) with Exeter Finance. These are BOTH dishonest, unfair companies to go through. I put $ XXXX down on a XXXX XXXX XXXX in XXXX of XXXX. The amount that was financed was $ XXXX and some odd dollars. TODAY, a whole year later, the amount of my payoff quote is, get this : $ XXXX! 

I am now a single mom, who lost her job to COVID-19, and Im struggling to keep up with my bills. I contacted Exeter Finance to try to work things out as soon as I learned that I wasnt going to be allowed to come back to work just yet. The representative I spoke to said that they would put 2 months of payments on the back of the loan and that would help with or take care of some of the interest fees.  This was told to me in XXXX of XXXX. TODAY, Monday XX/XX/XXXX, I called Exeter Finance again to see how come my loan payoff is MORE than what was financed. I got the run around and had to pull teeth to get a direct answer for one and for two, I was told that ALL of my last payment got applied to the interest ONLY and NOTHING went to the principle! I wonder HOW MANY TIMES have they done THIS ; quite often Im sure because theres NO WAY that my payoff amount should be MORE than what I had financed, this is highway robbery, and now, during a global pandemic, is the WRONG time to be pulling this mess! This company lied to me, didnt inform me on how my payments would be applied, and refuses to do ANYTHING to make this right for me, the consumer.
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (AR)

I keep being put in collections {$340.00} from XXXX XXXX XXXX XXXX. I prove to the collection agencies that I paid them and they drop the collection. 
I am once again in collection. 
My finale bill after move out was {$340.00} XX/XX/2017. 
On XX/XX/2017 I paid {$50.00}. 
On XX/XX/2017 I pain {$100.00}. 
And on XX/XX/2017 I pain the final amount of {$190.00} for the total of {$340.00}. 
Hunter Warfield is the collection agent Acct. # XXXX XXXX XXXX XXXX  acct. # XXXX
Consumer complaint received 2024-04-08
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: Bread Financial Holdings, Inc. (WA)

On or about XX/XX/year>, I visited the XXXX store in XXXX Wa. There were flyers displayed offering a 0 interest rate if account balance was paid off within 12 months. 
Also noted, on bottom of flyer next to an asterisk was the promise of it being a SOFT inquiry on ones credit. 
It was NOT.. TURNS OUT IT WAS A HARD INQUIRY. Causing my score to drop XXXX points! 
I didn't receive any satisfactory answer from bank. as to why they would use deceptive practices to try and lure customers to apply. 

I have since closed the account within 3 days of opening after I discovered this deceptive practice.
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These are fraudulent inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (UT)

Never had heard of Cashnetusa was in between pay days when it was a death in the family. Had to go out of state to XXXX CA. In the past I had taking out a loan with another company who give me the payoff. I paid it that was that. Well I guess Cashnetusa got the information when I was taking out the first loan. Because they put XXXX in my account. I called them and said take it out of my account which they did no problem, so when I need to get more money I thought about the first company. which found it they just did loan with jewelry companies. So I went on online reach out to Cashnetusa monies So Cashnetusa said the XXXX would be in my account the next day which it was, I never signed anything with them. Each pay period it was different amount of monies. So the end of XXXX I called and said this loan should have been paid off. Was told that I still owed more monies and now I owed XXXX dollars. Which was crazy do to fact I had paid over XXXX. Already now was not sure what to do so I made a few more payments the last one was the end of XXXX. I paid XXXX on a XXXX dollar loan. Now as of XXXX the account is closed. I will not pay them another dime. Cashnetusa are predators.
Consumer complaint received 2020-06-08
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: CURO Intermediate Holdings (UT)

A change on my credit report came in under XXXX ... Origional creditor was speedy cash and it was open in XX/XX/XXXX. I have not had a single payday loan since XXXX from anywhere. However my ex has been pulling random loans including a student loan in my name. I sincerely believe this is an act of fraud and do not have ownership or knowledge of this account. I also live in Utah and have lived in Utah since XXXX where most places will not allow online loans in Utah for some reason. The last loan I did was a title loan from XXXX XXXX XXXX and it has been paid back in full since then.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

On XX/XX/2024, I sent a {$1000.00} international money transfer over the website XXXX XXXX XXXX XXXX but there were complications with the recipient information. 
I tried to fix the problem over the chat while the transfer was still in process, but they deliberately completed the transfer and kept the money at the same time I was chatting with them. Their excuse was that the money had already been delivered, the truth is that the money had never reached its destination, and still doesn't. 
They said that their specialized team would reach out to me within XXXX business days to fix the problem. That being said, XXXX business days have passed and nobody has ever contacted me, emailed, or texted me. 
I tried to reverse the transaction but their representative treated me as a fool. It is very clear that they are investing my money in their global money-earning chain market, and have no intention of giving back the money that I entrusted them to do. 

I'm wondering HOW MANY MILLIONS OF DOLLARS THEY MAKE, DAILY, with this very dishonest trick!
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

IC Systems is reporting a {$180.00} collection on my credit report from  XXXX   XXXX   XXXX . I have spoken to  XXXX   XXXX   XXXX  directly, and they told me it is an error and they should not have sent the account to the collection agent.  XXXX   XXXX   XXXX  tells me that they have informed IC Systems that the collection account was reported in error, but now IC Systems refuses to take it off of my credit report.
Consumer complaint received 2023-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently received information from XXXX of a allegedly Bankruptcy that they say was verified from the court, I contacted the court who response was they don't verify to credit bureaus. I disputed the information again for proof of verification from XXXX who responded that this was verified from XXXX XXXX I reached out to XXXX XXXX who sent me documents of a removed bankruptcy for being unverified. I sent that information to XXXX on XXXX and they just responded with a result of accurate and unchanged result on XXXX. I called to speak with XXXX and spoke to XXXX in the dispute department who said it was verified from XXXX XXXX XXXX XXXX who is not a verifiable source. XXXX XXXX Denied me credit for this alleged Bankruptcy.
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. (CA)

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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.