davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXXXXXX || Account Number : XXXX XXXX || Account Number : XXXX. XXXX || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX. XXXX || Account Number : XXXX. XXXX || Account Number : XXXX XXXX || Account Number : XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me XXXX XXXX XXXX also seized phone calls. I now receive harassing emails from Halsted financial services XXXX. XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by XXXX XXXX XXXX to collect on their debts. XXXX XXXX XXXX is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with XXXX XXXX XXXX or Halsted financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2021 Portfolio Recovery added a derogatory amount on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. Debtors creditor did not verify this account collection. Also, there is NO form of written communication, contract or signature, for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this immediately.
Consumer complaint received 2021-03-23
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received a call from Citibank about an unusual activity on my checking account. As a result, Citibank blocked my access to my account. I called Citibank and confirmed I did not recognize or approve the unusual activity on my account. Therefore, I was informed I would get a new bank card within the next 24-48 hours which would have been the latest on XX/XX/XXXX. Unfortunately, Citibank did not advise me I could go to a branch to get a temporary card. I received a notification from XX/XX/XXXX that my bank card would be delivered on XX/XX/XXXX. However, it was not delivered. I have called Citibank costumer service about the matter and their representatives have been rude and provided misinformation. Its been more than 48 hours and I have not received my bank card and/or access to my account. Citibank has not made any effort to provide good customer service!
Consumer complaint received 2016-10-02
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GREAT LAKES (PA)

On XXXX XXXX, I had called Great Lakes Student Loans in regards to my Student Loans going into default on the XXXX. The Representative asked if I could make any payment. I made a {$50.00} payment and she was going to check to see if she could set me up on another payment plan and call me back. I received no callback. I called back on the XXXX and was told that my case was still pending approval and there was no note to call me back. The woman told me that if I made the remaining {$160.00} ( to total the {$210.00} payment - which is part of the graduated payment plan which they were working on getting me on ). She informed me that if I made the payment then I would be placed on the payment plan and MY STUDENT LOANS WOULD NOT GO INTO DEFAULT! This was on a recorded line! I am furious to know that they have been moved to a collection agency!
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Google Compare Credit Cards Inc. (MA)

Google has made it impossible to dispute a debt by setting up policies that make it impossible to dispute a debt. There are no live agents and it is impossible to cancel a transaction once it has been made. To assure this Google does not accept gift cards forcing the transaction to continue endlessly, with no hope of this debt being canceled.
Consumer complaint received 2021-03-23
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)

There are 6 accounts on my credit report that do not belong to me I need these accounts gone. I have tried disputing these since XX/XX/2020 to no avail. I have also opened an FTC report for all these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (OR)

XXXX XXXX is the custodian services for MoneyLion, Inc. a XXXX XXXX, which holds funds for me in a simple IRA. I initiated XXXX, my brokerage firm to have my account transferred to XXXX XX/XX/2021. Now over 30 days later XXXX or MoneyLion has not released my funds.
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (NJ)

I have applied for employment recently and have once again been denied due to inaccurate information on a background check. The background check indicates that I have been incarcerated for 10 years which is not true, as I have been employed by other jobs and basically have been living life. I have no idea where or how this information has been tied to me as there is not even a date of birth for the person they believe to be me. I have already initiated to have my records expunged, but have yet to hear back from the courts. But this particular charge under my name, is simply not me.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (FL)

This company REFUSES to acknowledge that I have paid this debt IN FULL with the original creditor Florida XXXX XXXX. On XX/XX/20 I paid {$260.00} then the company said I owed {$300.00} more ... so on XX/XX/20 I paid {$300.00} to XXXX through their online payment system. I have attached proof of payment and also proof that my account is showing a XXXX balance per XXXX payment system. I have tried to get this removed from my credit report twice and this company doesn't even look at the attached documents and proof and immediately says I still owe the {$300.00} even though it was paid on XX/XX/20. This has been PAID IN FULL and needs to be removed from my credit report as it is causing harm to my financial well being by continuing to show I owe it when I do not.
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (CA)

There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : EXPERIAN BUSINESS CRED Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (MA)

I received a letter dated XX/XX/XXXX last week from a collection agency called XXXX XXXX XXXX XXXX alleging that I owe XXXX XXXX XXXX  {$69.00}. I emailed them to dispute the debt and they mailed me their 'verification ' of the debt, this letter dated XX/XX/XXXX. The verification is the top page of what would have been a billing statement from XXXX, dated XX/XX/XXXX. 

My issues with this are as follows : As of XXXX, I had already paid my entire debt to XXXX. This was in fact a lengthy back and forth process as they tried for force me to pay to return my equipment despite being in the middle of a pandemic. Over my XXXX years with XXXX, I had numerous ( and documented ) incidents of XXXX throwing random, unexplainable charges to my bill and not being able to tell me what they were for. There was one incident where they charged me a fee, and one customer support agent told me it was for one thing, and another agent told me it was not at all for that reason, and no one could come to a consensus as to why I was ever charged said fee. 

I DO NOT owe XXXX  this money, and I attempted to at least get a copy of the statement they're claiming I owe money on from XXXX and they simply told me " This is with the agency now, you need to deal with them. '' Well, the agency only sent me a header page so I can not see an itemized breakdown of what XXXX alleges that I owe. 

Additionally, XXXX has broken the law by sending this alleged debt to collections. Not one time did I ever receive an attempt to collect it by XXXX. They claimed today via live chat that they 'sent multiple letters'- this is not the case. Not only did they not arrive to my current ( new ) address, but they did not arrive at my prior address either as they were neither forwarded nor did the new tenant contact me about any mail ( she has my contact information ). It is unlawful for XXXX to send a debt to collections without attempting to contact me first. 

This was, again, a pattern with XXXX during the time I was using their service. Several times, in fact, they would add some random charge to my bill, and when I reached out they would claim they " sent multiple letters '' that I never got. They lie. This should be a known fact to you at this point. They make up numbers and throw them at a wall to see if they will stick - and so far in my case, they've won every time. 

I absolutely refuse to allow XXXX to XXXX me into paying money that I simply do not owe them. I want this debt erased and I believe this company should be investigated at the federal level.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

XXXX XXXX  is an abomination and should be investigated by local and federal authorities. There is absolutely zero customer service. A previous complaint that was answered via this forum featured a doctored, backdated letter by XXXX that they claimed to have sent to my attention. No such letter was ever received. I am attempting to have my mortgage recast. Since this is a huge inconvenience for XXXX ( and a big benefit for me ) it is obvious why there is no formal, online, or convenient process to do this. Today I wired them a {$300.00} " fee '' and called their number to confirm receipt. After 3 attempts navigating through their phone system, one rep managed to hang up on me, and the second sent me right to the " customer survey ''. This is a shameful institution that does not care about its customers.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XXXX XXXX has pulled a hard inquiry on my credit file twice in XX/XX/2021. XXXX XXXX can not access my Equifax credit file after I have removed my security freeze. XXXX XXXX is able to access XXXX, and XXXX with no problems. 

I contacted Equifax directly and they have confirmed the security freeze for my credit file is temporarily lifted. XXXX XXXX should be able to access my credit file.
Consumer complaint received 2021-03-22
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)

Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX XXXX opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (CA)

CMRE is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX ( XXXX XXXX XXXX ) for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by CMRE. If you look in that CMRE file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance company and credit collector CMRE 's fault. 

I have also attatched a screenshot of the tradeline from my credit reports.
Consumer complaint received 2021-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (GA)

Contacted the collection agency about the debt. The collection agency is AD ASTRA RECOVERY. I asked to be sent verification of this debt, but was told that I would have to make a payment in order to receive it. Made a payment and never received verification. Contacted AD ASTRA RECOVERY twice afterwards and still have not been given a verification letter for the XXXX.
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-03-22
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. (IL)

I noticed some accounts on my credit report which i have no knowledge of. the accounts were removed by XX/XX/XXXXbut XX/XX/XXXX and Experian still holds them. XX/XX/XXXX need to be removed as the accounts can not be verified.