davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (OH)

Cedars Business services sent a debt collection letter for a debt that is not mine to my house -- received on XXXX. 

I sent a certified letter in response on XX/XX/XXXX, delivered XX/XX/XXXX -- delivery that is verifiable. 

In this letter, I requested by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Ohio. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

I did not receive any mail from Cedars Business Services in response. My letter was evidently ignored, and I considered the matter closed. Until today, XXXX. In this new letter it was again demanded of me to make payment on a debt that isn't mine. Furthermore, my previous letter ( contents mentioned above ) was ignored and I was not provided with the information I requested. 

I do not appreciate such tactics to collect a debt that isn't mine. Kindly remove me from your system and do not contact me again regarding this matter in the future. Thanks.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Coradius International LLC (CA)

XX/XX/2022 XXXX XXXXl debt XXXX XXXX XXXX debt XXXX This was added to my XXXX XXXX has sold this debt to many creditors
Consumer complaint received 2023-04-19
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello PayPal Support, My account was permanently restricted for no reason 5 months ago. I contacted PayPal support many times to no avail and then I filed a complaint with the XXXX. Then Paypal support answered me that they had lifted the permanent restriction and asked for documents. I attached the documents and then my account was actually restored and they told me that it was a mistake on their part and now my account has been permanently restricted again. Please help. I did not do anything completely wrong. Please look into my problem with mercy because my work has been suspended due to This restriction
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I found an account on my report that did not belong to me, which seems to have appeared XX/XX/XXXX. Ive contacted Chase multiple times and have not gotten a solution. Ive disputed this with all XXXX bureaus. This false report has caused my apartment applications to get denied. XXXX now have to offer double the funds for security deposit in order to move. Ive been trying to resolve this since XX/XX/XXXX, it is now XX/XX/XXXX. I have to move by XX/XX/XXXX. This has been a huge inconvenience as I had managed to keep a XXXX XXXX XXXX in preparation for moving to a new location.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. 
I sent a complaint via Certified Mail to American Express XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/2024 and it arrived XXXX on XX/XX/2024 and was signed for by XXXX XXXX. Company has failed to reach out to me with an update. Amex should resort to reasonable procedures to rectify this affair immediately. I can be contacted by the email listed above. 

Best, XXXX XXXX XXXX All Inalienable Rights Reserved
Consumer complaint received 2022-05-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NV)

I had credit wise from XXXX XXXXXXXX, I do have access to my credit report and I noticed that I do have an unusual activity in a Santander USA for a car loan that I am not did it at all, the date of the issue is XX/XX/2022. I am totally clear that I do not process any of it. So that makes me think that some one that could it be a family member co habitant that have access to my personal information used my social security to add and miss used my credit that its already messed up. The only person that I think may use it its my father in law
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (OH)

Wachovia Bank, which I 've never held an account at called me telling me that I owed them money and fees for a negative balance. They were rude, cursing, and threatening me with a subpoena to appear in court. Somehow, they contacted my step mother, step sister, grandmother, and myself regarding this false information. The phone number they called from is XXXX, but they left a return phone call number on a voicemail of XXXX. This is harassment and it needs to stop.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Unfortunately, I had a negative experience during my visit to XXXX where I encountered a scam. Despite prepaying for a lounge ( see attachment below for receipt ), upon arrival, I was asked to provide my ID and debit card, which I had already used for prepayment. Assured that my card wouldnt be charged again, I complied. However, to my dismay, I discovered later that my card was indeed charged again without my consent. Despite numerous attempts to address the issue with the manager, I was informed that it was merely a pre-authorization, not a charge, and that I would receive a refund. Regrettably, after waiting for five days and facing unresponsiveness from the establishment, I contacted my bank for assistance, but unfortunately, they were unable to help me recover the unauthorized charges.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Hello, I am a XXXX on XXXX XXXX. I utilized my XXXX mo loan payment deferral benefits with XXXX mortgage starting XXXX XX/XX/2022. I submitted my XXXX XXXX orders and a written request. When I called the mortgage company several times, I was told that I was ok to go ahead and proceed with deferral. The website did not reflect any changes and looked like I was delinquent. I started calling to attempt to make XXXX payment, which is 5 months of deferral. I had a feeling that it was not registering right. The customer service department is not helping me and my husband and is very disorganized. It is now XXXX, I am trying to make payment and I am being hung up on. The customer service has turned into collections department. There is severe misunderstanding and miscommunication within United Wholesale Mortgage XXXX. We need help. I do not want my credit score affected. I also see now that XXXX has taken one of my last payments and applied it to their Mortgage insurance. I am worried there will be confusion and our house will be affected erroneously.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OR)

The first time I I challenged 2 accounts a few years ago I told them my information on my credit report was incorrect I also contacted specific lenders such as dep of education that my information was wrong. The only information that matches on my 3 credit reports is my birthday Incorrect items include My name My address including a past address I never lived. 
My employers do not match Number of total accounts don't match Number of open accounts do not match Number of closed accounts don't match Number of delinquent accounts don't match Derogatory accounts don't match Balance owed does not match Payment amounts don't match Inquires don't match Even accounts I have paid off don't match I am truly shocked after looking at my credit reports and seeing the lack of care and attention my credit reporting has gotten. Many of this inaccuracies has cost me to not be able to buy a house and other things to better my business. I believe please remove the inconsistent accounts on my report including department of education and Navient as these accounts are not correct. 

Sincerely XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Absolute Resolutions Corp. (LA)

-I made a settlement in XXXX of XXXX to Absolute Resolutions. They are still saying I owe them {$890.00}. I have proof and they still will not remove this from collections. 

-XXXX  XXXX is stating I made a late payment in XX/XX/2023. I did not. 


According to the 15 U.S.C. 1681 law, there should not be any damages on my report. I am in the process of purchasing a home and I seen all of this still on my credit report!
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NV)

I received my 1098 from Mr. Cooper and noticed that the " Loan Origination '' date was incorrect. I attempted to call them but was stuck in a perpetual cycle of the automated phone system with no way to reach a customer service representative. I then submitted a ticket in their online portal, where they assured me the Research Department would be looking into my issue. One week later I received an email from Mr. Cooper 's research department stating that I must contact my previous lender to receive my 1098 from 2023. I should not that Mr. Cooper acquired my mortgage from another company in XX/XX/2023, and after making 1 payment on my mortgage to Mr. Cooper, I sold my home and closed out the mortgage with Mr. Cooper.

I have resubmitted a ticket through Mr. Cooper 's online portal, as well as emailed their Research Department directly. It is unacceptable to me that their own Research Department could not resolve my issue after looking into it for a week.
Consumer complaint received 2022-05-29
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. (IN)

To Whom It May Concern, 1 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Account # : XXXX Date Opened : ( XX/XX/XXXX ) is inaccurate Last Reported : ( XX/XX/XXXX ) is inaccurate Date Last Active : ( XX/XX/XXXX ) Is inaccurate Date of Last Payment : ( XX/XX/XXXX ) is inaccurate Account # : XXXX Date Open : ( XX/XX/XXXX ) is inaccurate High Credit : ( {$1800.00} ) is inaccurate Last Reported : ( XX/XX/XXXX ) is inaccurate Date Last Active : ( XX/XX/XXXX ) is inaccurate Date of Last Payment : ( XX/XX/XXXX ) is inaccurate Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections.
Consumer complaint received 2019-03-25
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. (CA)

XXXX  AND EQUIFAX PROVIDE FALSE INFORMATION AND ISSUED FALSE STATMENTS ABOUT THE PUBLIC RECORD ON FILE. XXXX AND EFX STATED THEY VEIFIED WITH THE FURNISHER - THE COURT THE ACCURACY OF THE BANKRUPCY THAT WAS FILED 10 YEARS AGO THUS THEY WILL CONTINUE REPORTING IT ... HOWEVER, I CONTACTED COURT AND CLERK ISSUED IN WRITING STATEMENT THAT THEY THE COURT DO NOT REPORT, VERIFY OR VALIDATE ANY AND ALL INFORMATION TO THE CREDIT BUREAUS. 
THEN EQUIFAX STATED THEY RECEIVE THIS FROM 3RD PARTY FURNISHER XXXX XXXX  WHOM I CONTACTED AND AGAIN RECEIVED IN WRITING STATEEMENT THAT THEY ARE NOT NOT NOT REPORTING ANY BANKRUPTCY ON MY NAME OR SOCIRAL. 
I HAVE BEEN REQUESTING THE DELETION OF THIS ERRONEOUS BK FROM MY CREDIT REPORT FROM SEVERAL MONTHS NOW, ONLY TO RECEIVE AUTO GENERATED RESPONCES FROM BOTH OF THE BUREAUS. NOBODY IS READING OR LOOKING AT THE SUPPORITNG DOCUMENTATION ... THIS IS VIOLATION OF MY CONSUMER RIGHTS AND IT IS A VIOLATION OF F.C.R.A. A FEDERAL VIOLATION. I CONTACTED DA OFFICE AND NOW PREPARING MY COMPLAINT TO ATTORNEY GENERAL 'S OFFICE AND WILL FILE IF THIS IS NOT DELETED FROM MY REPORT IMMEDIATLEY US BKPT CT CA XXXX Identification number XXXX
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (FL)

XXXX has HIRED Diversified Consultants Inc as the collection agency to try and collect a debt. They are USING an INTIMIDATION TACTIC by placing the DEBT on my credit reports WHILE they are TRYING TO VALIDATE THIS DEBT. I have NO signed CONTRACTS WITH THIS FIRM THAT OBLIGATES ME TO THIS DEBT and the fact that they placed it on my XXXX, XXXXXXXX  & XXXX   Credit Reports is a violation of the FAIR CREDIT REPORTING ACT & FAIR DEBT COLLECTION PRACTICES ACT
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX Bank in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating life-threatening medical hardship, which resulted in her being in the hospital and ICU for 34 days. I communicated this in XXXX of XXXX, along with numerous calls to XXXX Bank regarding each account that we had associate with XXXX Bank. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's life-threatening medical condition. In turn, I continued to receive calls regarding the account. At this point. I have received over 100 multiple calls from different pepertrated numbers from this credit collection agency and others regarding this account, which has caused undue mental stress and anguish along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both XXXX military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances. Also, overinflated interests and penalties are incorrect as well which they have in the balance from both XXXX Bank and Midland Credit Management.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

I recently review a copy of my credit report and I realize that as a consumer Paramount Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.
Consumer complaint received 2017-07-26
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. (WI)

Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this  information and should be deleted from my credit report.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX I sent a XXXX  payment of {$470.00} to a landlord for half of the deposit for an apartment. Later to find out that the landlord was a scam. I have pictures and Receipts of the company they claimed were part of the apartment company stating that I had to pay a deposit after being approved and seeing the apartment in person. When I told them I needed more proof and to speak to the landlord before I sent the other half of the deposit, they deleted the link they sent me to apply and blocked my number.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I received my reinvestigation back from XXXX, XXXX and Equifax regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from SmartCredit.com comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-05-29
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX # 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
Consumer complaint received 2022-05-29
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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