davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/XXXX I had a medical bill due to XXXX hospital failing to get insurance information at the time services were rendered. Moved out of state and did not receive notification of bill. Hospital than sent to collections. In XXXX I disputed this bill with that collections agency and it was removed from credit report. In XXXX of XXXX this bill was than added back onto my credit report and negatively re aged by XXXX. Disputed again with them to which they have no success and do not plan to age the account to the original date.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I am getting letters in the mail and phone calls from Penn Credit that show the debt to XXXX XXXX XXXX in XXXX, Arizona. However, I never had any debt, the balance on my XXXX account is XXXX and I always paid all my utilities way before the deadline! 

When I am getting phone calls from Penn Credit, representative refuse to tell me what they are calling about, but request me my sensitive personal information, like my address. Obviously, it is not save to give my sensitive personal information to somebody who call me for unknown reason. I believe that by such request Penn Credit violates the laws that protect my identity. The last such call from Penn Credit with described scenario happened today, XX/XX/2018, before noon of XXXX XXXX XXXX. 

When I am calling to XXXX XXXX company to resolve this issue, they pretend to be an idiots, are totally unqualified to help me with this issue, and do not make any notes about my phone calls on my XXXX account, so next time XXXX representative do not believe me that I already called them about this issue!
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On Sunday, XX/XX/XXXX XXXX MT I received an email about a Capital One 360 Checking account being open. I then received XXXX follow up emails about contact information getting changed. The next morning I received a text message about this phone number getting added to the account as well. 

I called Capital One 's fraud department on Monday, XX/XX/XXXX and they reported that indeed an account was opened in my name and closed it. Proceeded to check all three credit reports ( XXXXXXXX XXXX XXXXXXXX ) and saw no fraudulent activity.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XX/XX/2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt.

During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Consumer complaint received 2019-05-24
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. (MA)

There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX is reporting it as US DIST CT, and transunion is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$270.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$50.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX {$75.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$980.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Yesterday on XXXX I received an attempt by JP Morgan Chase Bank, NA a threat to tax bill me for the illegal foreclosure on my home on XXXX using fake/forged documents as well as not following the foreclosure laws and legal procedures/violations. The seller is responsible not me!! This is the second 1099-A that I have received by JP Morgan Chase Bank , NA that they are once again attempting to evade their tax responsibilities by illegally selling my home trying to terrorise me into some sort of a tax IRS threat to pay this so called " debt ''. I have reached out in complaint to the FBI as well as the IRS to investigate this what I call tax evasion. I also asked the FBI etc. to investigate not only this situation but also the activities of XXXX XXXX XXXX XXXX XXXX XXXX and the third party purchaser XXXX XXXX whom has her name on many homes with others named XXXX XXXX and XXXX XXXX. I am asking the CFPB to also look into this 1099-A " pattern '' situation.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens recently acquired part of XXXX. I have tried multiple times to call and have them close my account. Account times are either very long ( an hour plus ) or they point me to XXXX. I want all Citizens accounts closed. Additionally they sent checks and a debit card to different addresses exposing me to potential fraud.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020 American Express increased the APR charged on my card from 16.99 % to 29.99 % at the very beginning of the pandemic. I was told this is a penalty APR and XXXX separate reps could not explain why or the action by myself the consumer that resulted in this change. During this period I lost my father on XX/XX/XXXX and XXXX additional family members. This was the most difficult period in my life. I continued to make payments during this period and kept my account in good standing. While many other companies took measures to help their clients during the pandemic it seems American Express looked for ways to increase their profit on the backs of their customers. In this period I was charged over {$11000.00} in interest.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have sent 2 certified letters requesting the validity of this debt they have yet to reply or give me my request for all accounts listed below. The dates the letters were sent XX/XX/XXXX & XX/XX/XXXX. They were both signed and returned stating someone signed for them at the company. I have left 3 messages for a supervisor no one has called me back. I have disputed this VIA XXXX they have not sent back the correct information. ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00}
Consumer complaint received 2023-03-28
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: Credence Resource Management, LLC (SC)

I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

on XX/XX/XXXX I went online and pulled my annual free credit report this included XXXX  's, XXXX  and Experian information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. XXXX  and the others is showing that this account is still in my name. Also XXXX and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked XXXX  and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The balance I had on my card was a - {$640.00}. The credit was on the page of the credit card statement for 1 month. Then all of the sudden, the balance was gone and a new balance of {$20.00} was stated on the page except the " beginning balance 0f {$0.00} as of XX/XX/21 '' was also listed on the page, strange. I can show you copies of print outs if you want. Bank of America just took {$660.00} of my money by representing a new balance on the page on credit card # XXXX. XXXX XXXX XXXX, XXXX In addition, they didn't give me the {$300.00} incentive that they promised in the offer for a credit card on card # XXXX. XXXX XXXX XXXX.
Consumer complaint received 2022-02-03
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. (FL)

XXXX XXXX XXXX  XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX Fraudulent account was deleted by XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General Equifax and XXXX for not deleting these account. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. 15 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion the " Company '' has failed over several years to protect my rights as a consumer by the following ; 1. given me an alias based on inquires, the Company has given repeatedly given me the middle initial of " M '' or the name XXXX XXXX ( my deceased aunt ) ; even though for years I have by phone, mail and e-mail stated that ( 1 ) I have no middle name ; ( 2 ) XXXX XXXX is a separate identity and no my identity- as of today XX/XX/2022 both have been reapplied to my report. 

2. TransUnion has place a disputed debt that that is more than 14 years old, it has been removed several times only to be placed back on my report. 

3. TransUnion claims when making disputes, Consumer are ONLY allowed to place a disputes of ( 1 ) ONE disputes for 30 days and can not make several dispute when acquiring the FREE credit report. Otherwise Consumer are forced to join and even then an additional dispute can not be made until that single and ONE dispute has been settled.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MD)

CBE Group keeps calling multiple times a day, several days a week. I am a teacher and am working when they call so I can't answer my phone. They never leave a message. I did research what company this is and see they are a debt collector. I do not have any unpaid debts nor have I received any collections notices in the mail or via email. 
I want the calls to stop. If they really needed to get in contact with me, they should leave a message on my voice mail, which is not full, or send me an email or letter in the mail.
Consumer complaint received 2022-02-03
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Community Cash Management Corp. (ME)

After sending written notice twice and filing a complaint here, I received an e mail from the company assuring me my number was removed from the database, but still getting more calls. 

My previous complaint.. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Communication tactics
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

I saw a collection account on my credit that came on in XX/XX/2018 from XXXX XXXX  XXXX. This collection agency is not licensed or bonded to collect in my state. They never contacted me or anything. they just put this on my credit for XXXX I don't know the original creditor. This agency is operating illegally, they are not bonded.

I asked them in writing to verify or validate this debt and they refuse to do so
Consumer complaint received 2022-02-03
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. (FL)

XXXX, XXXX XXXX XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX  Fraudulent account was deleted by TransUnion and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General XXXX and TransUnion for not deleting these account. I will further pursue all of my legal remedy without further notice to XXXX and TransUnion. I will further pursue all of my legal remedy without further notice to XXXX and TransUnion. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. XXXX5 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.