davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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)

As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 


XXXX XXXXXXXX
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (AZ)

In the first week of XX/XX/2021, I went to make my final payment to BMO Harris bank by logging into my BMO account. In my BMO account, I was able to see how much was on my loan so I could use their express loan payment site to make the payment. I could no longer see the amount I owed, it was as if the account was closed as it wasn't showing on my screens anymore. Unsure of what my balance was, I tried to call BMO many times. I was out of the country at the time and tried to use their international number, but the number would never connect me to a representative and would disconnect. I contacted BMO via email and social media but never received a response. I have an email I sent out on XX/XX/2021 detailing my frustration with the company for not responding to my calls or inquiries and that I just wanted to make my final payment but did not know the amount I still owed. I emailed them consistently for the next following weeks, I was calling them on the international number, I even had my mother call and speak to them as well. They told my mother that they can not speak to her as she is not a user on the account and therefore she can't make payments, but I could add her as a user. I sent more emails requesting to add her as a user but I did not receive a reply until XX/XX/2021. I replied to their email with my mother 's information and requested the number to call to pay off the loan as well as the amount. I never received a response from them until eventually, my mother was able to get in contact with one of their representatives. This representative stated once I approved her ability to speak on my behalf and make the payment, she would need my mother to call her directly in order to make the payment as only she could make it. Once I sent the information with my mother 's details over email, my mother tried to contact this representative whose name I believe was XXXX or XXXX, but it consistently went to voicemail. My mother left many voicemails to make the payment but we were unable to get in contact with her. Eventually, I returned to the states at the end of XX/XX/2021, called BMO, and made the payment myself but at this point, the damage was done and they marked me as delinquent despite my many efforts to pay my final payment.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (NJ)

Friday, XX/XX/2021 XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX On Thursday, XX/XX/2021, it came to my attention that TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ; XXXX XXXX, CA XXXX, ( XXXX ) XXXX alleges I have an unpaid debt based on information from XXXX credit agency. I called them to seek additional information on this matter. 



On Thursday, XX/XX/2021, I contacted them TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX by Telephone to inquire. I called 3 times, each time I recieved a recording stating just for calling today you are elligible for a rebate of {$100.00}, please have your credit card handy This is clearly a scam and fraudulent claim on my credit report. I am demanding this be removed from my credit report immediately. 



Thank you, XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (PA)

On the date of XX/XX/2021 I questioned the Balance : {$1800.00} of obligation that you are endeavoring to gather from me for alleged account # XXXX. Also, I mentioned confirmation of the supposed obligation according to my privileges under the FDCPA. Concerning my confirmation demand under the FDCPA, I mentioned a duplicate of a marked agreement too assuming any security store was held to balance the equilibrium, evidence of mailing of any assertion of charges itemizing the justification behind keeping store assets, and verification of the letter mailing date. Any agreement or understanding sent should be with the first bank and marked by all gatherings to it You have neglected to acquire and send confirmation of the supposed obligation by not mailing me an agreement. Rather than sending me a consented to agreement or arrangement as mentioned, you sent didn't give any reaction Consequently you don't have an agreement with me and I don't approve this obligation. There are additionally state laws that expect you to send me a report by affirmed mail which and should involve the subtleties of the leftover store sum. Moreover, I mentioned that you cut it out all assortment movement, counting credit announcing. That is, I mentioned that you erase all announcing made to any purchaser revealing organizations. You have neglected to address my quite certain legitimate demands and are in clear infringement of the FDCPA. Under the FDCPA, it is unjustifiable or inappropriate to endeavor to gather a supposed obligation in any sum that isn't explicitly approved by an arrangement making the obligation or allowed by law. 


Because of the previous, you have caused me extra pressure, disappointment, credit harm, and expenses. You have likewise deferred your chance to agreeably resolve this issue without the need to prosecute. I expect to advance this make a difference to a lawyer or start case against you under the FDCPA. Until you are officially served process, you might resolve my FDCPA guarantees by doing the accompanying : ( 1 ) stop this instant assortment, ( 2 ) erase all of your credit detailing, and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (OR)

XXXX XXXX XXXX XXXX Provided a service in that was not properly ran through my insurance. The then remaining balancing was not requested at the service address. By the time i was informed of the balance by WAKEFIELD & ASSOCIATES it was to late to request that my insurance run a past due balance. i have attached my proof of coverage and current Social security wages statement. 
My credit report shows the date opened as XX/XX/2019 2019
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX
Consumer complaint received 2021-12-10
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)

I have submitted several disputes to XXXX and Trans Union to have fraudulent inquiries removed from my report and they continue to close the dispute without the desired results. Please assist with getting these fraudulent inquiries removed.
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (CT)

XXXX has been trying to collect a sum of money from me that they state is outstanding as a result of a three-year service contract. I never engaged in a contract with XXXX. They have tried to shift a possible service contract that my deceased father may or may not have had with them into my name. My father died on XX/XX/2019. His estate has been settled for more than one year. This is the second credit bureau to contact me. There was one previous one contacting me. My attorney communicated with them directly and explained to them that I do not have any debt to XXXX whatsoever, and explained that they must stop contacting me. They did, for many months. Then, this new agency began to write to my father. The mail was returned to them indicating that he is deceased. About a month later, they, too, began writing to me. I am in receipt of a letter to me today indicating that I owe them money for an outstanding balance. Nothing has changed : I don't owe them money. I never entered into a contract with XXXX. My father 's estate has been settled for more than a year, and there is no evidence that he ever entered in a contract with them. There is no money going to XXXX -- EVER! They, and all collection agencies -- including the current one ( APELLES ), must stop harassing me, or I will take further legal action.
Consumer complaint received 2019-08-06
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. (HI)

have disputed the student loan account with Experian regarding XXXX XXXX XXXX XXXX XXXX. They wont give me a concrete response why they say its verified and the account is accurate when its definitely not.. Payments were reduced, student loan is in forbearance. Please delete it from my credit report
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (IL)

I am writing to express my deep concern and file a formal complaint against Absolute Resolutions I, a debt collection agency, for actions that have had a severe and adverse impact on my consumer rights and credit standing. I believe this company has engaged in troubling practices that are in direct violation of federal consumer protection laws. 

My primary concerns are as follows : Lack of Written Disclosure : Absolute Resolutions I furnished information about an alleged debt to consumer reporting agencies without any prior written disclosure to me. I was never provided with a notice of the alleged debt, its origin, or any written communication prior to this information appearing on my consumer report. 

Failure to Validate the Debt : Despite my requests, Absolute Resolutions I has failed to provide any validation of the alleged debt, including the required documentation to substantiate its legitimacy. 

The impact of these actions on my financial well-being has been significant. This lack of written disclosure and failure to validate the debt has resulted in negative entries on my credit report, potentially harming my creditworthiness and limiting my financial opportunities. This situation is deeply concerning, as it not only affects my financial stability but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention to address this matter and ensure that Absolute Resolutions I complies with all relevant consumer protection laws. 

I believe that Absolute Resolutions I 's actions are in direct violation of the FDCPA and have had a detrimental impact on my credit report. These practices are not only unjust but also harmful to consumers like me who are working diligently to maintain their financial well-being.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On XXXX, I got an e-mail from PayPal that I would no longer be able to do business with them and that my account would be " Permanently Limited '' - this means no payments can be made or received through their service. I have been a customer since 2006 and have monthly transactions ( mostly paying for goods and services ). I called their support line within an hour of this e-mail and was read a script that told me my account was limited and to seek out other payment services. They said I would be updated on what happened, but in the meantime I am unable to remove my credit card information or bank details from their system- if I had a balanced stored, it would be unable to be withdrawn for 180 days ( I did not have a balance, luckily ). I work for XXXX XXXX XXXX ( ie. XXXX ) so I'm rather familiar with the Dodd-Frank act , and freezing an account for 180 days without providing immediate ( or at least within a reasonable timeframe, for a service used daily by many people ) means for resolution seems to be a UDAAP issue. While I'm not heavily impacted, I do know many others have been in the past and this seems like something that might need to be addressed.
Consumer complaint received 2021-08-25
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. (MD)

The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general complaint!
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MB FIN SVCS with the account number XXXX and this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-12-10
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

Fair Collection & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (SC)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 

XXXX XX/XX/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 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The Cadle Company (PA)

My husband and I Applied for Home modification around XX/XX/XXXX. When the modification was approved the mortgage payment went from {$1600.00} to {$2100.00} adding an extra {$520.00} and still remains the same currently. In XX/XX/XXXX our mortgage was sold to a debt collection agency & not a real mortgage company. This company does not report to the credit bureaus or give monthly statements. In XX/XX/XXXX my husband and I tried to refi the home so that we could get a better mortgage rate and monthly payment but our current mortgage company has been adding on extra unexplained fees & adding extra Interest from a previous modification ( XXXX ) before my account was even with their company of XXXX. XX/XX/XXXX my home was appraised for XXXX. My loan balance with my current ( mortgage co ) / debt collector is over XXXX. The company that I contacted to try to RE-FI my home with could not help me. They said that the current mortgage company wants to refi the home at appraisal price but they still want the interest to be added as a second mortgage at the same time. As of XX/XX/XXXX I received a letter from my current mortgage company/debt collector stating that starting in XX/XX/XXXX my payment will be XXXX. More unexplained fees. At this point my husband I cant afford to pay these amounts & we feel that this a predatory loan situation. Please help us resolve this matter & save our home. 
Lastly my current mortgage company/debt collector offered me XXXX to sign a mortgage document that was not signed when my husband & I originally went to closing in XXXX.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (SC)

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. 
All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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. 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. 
Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

This was an erroneous bill, I cancelled XXXX insurance  and paid off the entire amount and still I was sent to collection. The collection company harassed me on the phone at odd hours, and forced me to pay this debt without even validating this debt and even failed to mark the account as dispute. 

This has caused me severe financial and XXXX XXXX has diminished my buying power and has caused me XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

Had a XXXX  XXXX XXXX XXXX and it was a voluntary repo with Exeter finance and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.