davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Back in XX/XX/XXXX, a friend that I used to live with in XXXX Texas called me and said that someone called her looking for me saying that if I didnt call back they would be taking me to court. I called them back and they stated that they were some type of legal agency ( XXXX XXXX ) and they were calling to collect the debt owed on a loan I took out at Ace Check Cashing. I do remember getting a loan with them, but due to unforeseen circumstances I was unable to make a payment, and I was told it was sent to collections. I was told that if I disputed it I would be sued in court for an amount over {$1400.00}. They asked me to make a payment of {$400.00}, which at the time I couldnt. I was told that they could set me up on 5 weekly installments of {$80.00}. I didnt feel comfortable leaving my debit card on file with them, so I ordered a XXXX XXXX card to have for those payments. They kept my debit card on file, despite me giving them my XXXX XXXX card, and would attempt to charge my card for {$80.00} every Friday. I would then call and make my payments with my XXXX XXXX card. One day I questioned them asking if this was real and I was told that when I make my last payment I would receive some type of letter in the mail stating ( I cant remember what it was called ). I made my last the month of XX/XX/XXXX. I never received anything from them. I would try to call them and the phone would pick up and then disconnect, or it wouldnt be answered at all. On XX/XX/XXXX I tried to reach out to them again, and I spoke with a lady who said that its only sent when requested. She stated she would email it to me and i should have it within an hour. I never received an email from them and when I try to call I am back to getting disconnected or no answer. I have already reached out to both my bank and XXXX XXXX, but I dont know what else I should do.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TN)

I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (MO)

We received a letter from CPA, or Credit Protection Association, dated XX/XX/XXXX. The letter said that we owed {$170.00} to XXXX. There was no account number on this form, but it did have reference # XXXX. I called the number on the card, and they asked me my name and date of birth, and they said this matched the person on the account. They also asked if I had received the previous letters, and I told them this was the first correspondence I had received from their company. I told them this was not my account, and then I asked them what the address was that they showed the service at, and I asked the phone number. The person on the line from CPA told me this was for service at XXXX XXXX XXXX in XXXX, MO and the phone number was XXXX, and I called and spoke to a XXXX at that number who said he didn't know anything about the XXXX bill. The CPA representative also said that I needed to file a police report to get this resolved, and told me that they could take payment over the phone if I wanted to pay. I again emphasized that this was not my bill, and that it appeared that someone had used my identity to set up this account. 

We received another letter from CPA dated XX/XX/XXXX. This letter had more information on it, including the account #, XXXX, the disconnect date of XX/XX/XXXX, and the date it was turned over to collections of XX/XX/XXXX. I also received a call from the company which I returned and was admittedly upset. I again told them this was not my bill, and asked if they were sending bills to the other address. The person on the phone told me there was no other address except my home address and denied the XXXX address was even on the account. I called back and asked to speak to a supervisor, who told me the address was on there, and again stated that I needed to fill out a police report. 

I did attempt to talk to XXXX by going to their office on Wednesday, XX/XX/XXXX, and was told there was nothing they could do. They said that I needed to fill out a police report. I started a police report on that day, and completed it the following day. The report is with the XXXX Police Department at XXXX, and I completed it with Officer XXXX XXXX. 

Currently my wife and I are trying to refinance our home, and this has caused our credit score to go from XXXX to XXXX. I found this out on XX/XX/XXXX as well while inquiring about loan options. This was how I realized this was a legitimate collection agency.
Consumer complaint received 2022-12-31
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. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under XXXX $ will not reported I am so tired of my consumer rights being violated please see attached proof
Consumer complaint received 2020-03-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a loan modification through Bank of America. They put me in trial payment from XX/XX/XXXX through XX/XX/XXXX. While I was made payments, my home went to foreclosure. I went to court with Bank of America and I showed all the evidence to judge. Bank of America had to buy the house back and reinstated back under my name. The loan modification was completed in XX/XX/XXXX. Bank of America mislead me and lied regarding the details of loan modification. The agent of Bank of America stated that they reduce principal amount and put it aside to allow your monthly payment less. All I have to do is to remain 5 years in house without default. After that this amount will be waived out and I would be able to sell my house without issues. He did not inform me that was a second mortgage I have to pay when I sell my home or refiance through conventional loan. I am devasted to find out after a buyer has been waiting for 3 months to close the deal. I want this to investigate and find a remedy for it. I can not afford to walk empty handed after the home sold.
Consumer complaint received 2022-12-31
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I've recently sent out three disputes about my XXXX XXXX car loan with Experian, XXXX  and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX  and account the total of the balance has been set to {$0.00}.
Consumer complaint received 2020-03-16
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-31
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to correct this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$760.00}
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I noticed a fraudulent collection on my credit report on XX/XX/25. I called deft collector Genesis Debt Recovery. They informed me that at a XXXX XXXX in XXXX FL a person used my drivers license information to apply for an apartment online and the XXXX dollars charged were application and admin fees. The application was denied due to identity concerns. I informed them my identity was stolen and I have never been to XXXX  and I live and work in XXXX. This is not the first time my identity has been stolen. I filed a police report and begun the fraud dispute with the debt collector as well as the XXXX XXXX.
Consumer complaint received 2022-12-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Dave Operating, LLC (MD)

I use XXXX banking, and I was suppose to get my deposit two days ago on the the XXXX. XXXX message my job to make sure the deposit went through and they ensured me that they did everything right on their part. My other coworkers gave received their check, I am the only one who hasn't. I contact XXXX banking customer service and nobody has any clue where my deposit is. All they keep saying is " when we receive the money it will be available in your account '' but the deposit from my job has already been sent. I look online and multiple people are having the same problem as me. It's clear as day XXXX banking is scamming it's customers.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-03-25
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: Maximus Federal Services, Inc. (MD)

I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and XXXX even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX XXXX XXXX XXXX format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....
Consumer complaint received 2024-04-15
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: DISCOVER BANK (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-03-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (CA)

I sent Radius the attached revocation of consent to be contacted by telephone letter to them and yet they continue to call 3rd parties that they are not authorized to be contacting, recording their telephone calls without giving proper notice, and attempting to collect on a debt that they have no right to collect on. I want this harassment to stop it is causing me a lot of anxiety and I do not appreciate it at all.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NY)

I received a letter from debt collection company : Cane & Weiner stating that XXXX  has forwarded my account to collections due to a debt that was owed. I called them immediately to explain that the account had been paid and provided subsequent information related to charges on multiple accounts. I also attempted to log into my XXXX  account to verify/ check payment history and my account was locked. XXXX  charged me three times for one order and I was refunded once by XXXX  and received a check mailed by XXXX  XXXX as the card ending in XXXX was stolen and had to be canceled. This card was later replaced with a card ending in XXXX. This left one charge remaining which was paid. I did request a dispute on my card ending in XXXX and was refunded pending outcome of the investigation into my dispute. When I was informed that XXXX  would be refunding me I called my credit card company to inform them and was informed that the charge would return to the account once XXXX  refund had posted. 

Timeline of charges/ refunds XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  charged XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX received check via XXXX XXXX for refund of charge to XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX purchase adjustment provided amount XXXX by XXXX XXXX XXXX  for dispute of duplicate charge XX/XX/XXXX refund provided by XXXX  amount XXXX XX/XX/XXXX purchase adjustment added charge of XXXX back to my account
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There was a credit card opened without my knowledge and I disputed this with capital one and the decline my dispute. I also asked capital one to show me where i signed for this card and i have not been given a response. I dispute it with XXXX and they also did nothing to help. This is dated XX/XX/2024 to present and as it stands they have closed the card down and charged it off and charging me the balance that i did not have any knowledge of. I also have a File number which i will include from XXXX XXXX to help with your process.
Consumer complaint received 2022-12-31
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.