davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The debt ended up on my report so I called the company. They said that it was removed by the original creditor ( XXXX XXXX XXXX XXXX in XXXX XXXX, TX ). It shows paid on report but it should have never been there in the first place. I'm current and never even been late. I don't owe anything to the apartment or the collection company. I asked them to remove and give me written proof but they would not comply. I called the original creditor and they said they told the collection company to remove it and that's all they can do. 
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll free : XXXX Account # XXXX Balance : {$150.00} Creditor : XXXX XXXX XXXX XXXX - XXXX Office XXXX XXXX XXXX. XXXX XXXX, TX XXXX
Consumer complaint received 2022-03-30
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: Self Financial Inc. (FL)

I was about to purchase a house and my loan broker check my credit and inormed me that my credit had gone down because of a line of credit that was not paid for the month of XXXX, 2022. I called Self, Inc to confront them a bout the account. They informed me of a bank account at XXXX XXXX that does not belong to me. For sure, I have never open any account with Self, Inc.
Consumer complaint received 2019-09-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX XXXX XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a XXXX  XXXX XXXX situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : 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  XX/XX/year> Furthermore, the reported bankruptcy ( Bankruptcy Chapter XXXX XXXX Reference : XXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

To whom it may concern, This collection agency repeatedly harassed me about payments on 3 medical accounts that were assigned with them. I did not have the money and explained to them. Their response was I dont care, you owe you pay every single supervisor and manager has been rude to me from day one. I finally went into more debt just to pay them off, before I paid them they said that they would do a complete removal from my credit report and that my score would go up. They lied to me. These accounts are still showing up on my credit as closed but not removed. The credit score has not changed because they are still listed as derogatory marks. Ive called them several time after to get them to delete from my report and they refuse to do so, they are rude to me and then hang up. They keep saying they dint tell me that they would delete according to their notes. I feel betrayed and violated by medical data services. Now Im in more debt because I borrowed the funds to pay them off thinking they would hold their end, but no they are still on my report. I have a newborn son and soon I will have to find us a place to live, I can not do that with this being on my report because its keeping my fico score lower than what I need to qualify. They need to hold their end of the agreement. I paid them {$3000.00}! And now Im in a bigger hole. PLEASE someone help me get these accounts removed from my credit report.
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (IL)

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX  '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that Experian has not shown any time that I have disputed information with them in the past. XXXX has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, Experian, and XXXX  can tell me anything different?
Consumer complaint received 2019-09-25
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. (IL)

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX  has not shown any time that I have disputed information with them in the past. TransUnion has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come TransUnion, XXXX, and XXXX  can tell me anything different?
Consumer complaint received 2019-09-25
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. (CA)

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my XXXXdit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Coastal Credit, LLC (MD)

I had an auto loan with Coastal Credit. The car was repossessed in XX/XX/2019 and still has not been sold. I talked with XXXX, the account representative who is handling the account and he said that they haven't been able to auction the car due to titling issues in my state. Despite not selling the car, Coastal Credit has harassed me and all of my listed references about this account. They have shared personal information and are acting very unprofessionally. In addition, they have been using the XX/XX/XXXX XXXX XXXX system to habitually check my employment every week. Somehow, they managed to get my work email address, which I did not give them as I just started this job, and have sent me harassing emails threatening to sue me and garnish my wages, despite not selling the vehicle. I considered settling on the account because XXXX told me that once they sold the car they would refund me what I overpaid, but considering their shady practices thus far, I don't feel confident that they would be fair and give me what's owed once the vehicle is sold.I have no problem with paying my balance, however, I am requesting that this company sells the car, as they are required to do, and let me know what my final balance is. Then, I will settle my account. In the meantime, I ask that they only communicate with me in writing and stop harassing me at my workplace, and via my references.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

I enrolled in XXXX XXXX XXXX XXXX XXXX they waited until XXXX XXXX XXXX citi bank sued me to do anything then when i tried to take matter to court they would notlet the matter be heard in court but went to mediation and this allowed them to put the interest and charges on the court procedings now XXXX XXXX XXXX XXXX sent papers and said i needed to contact the court so i did now i have recieved notice that the court entered judge ment without acknowledging this individual at all
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

On XX/XX/2018, XXXX XXXX in XXXX, AZ, refused to get me a loan at the true market value of my XXXX XXXX XXXX XXXX  with XXXX miles. XXXX year old used car. 
Dealer produced by them, a manufactured XXXX XXXX XXXX price of {$6900.00} fully loaded. My car is not fully loaded. 
The correct price of this car on XX/XX/2018 was {$4300.00} for fully loaded. My car would have been less money. Dealer over charged me for the car- {$7900.00}. Auto dealer fraud. 
Credit Acceptance told dealer that the {$7900.00} is the price of the car or no loan. High pressure sales tactics. Lender took advantage of me. Lender refuses to tell me what my credit score was on XX/XX/2018, what is the minimum credit score? -lender refuses to answer me. Lender gave me a predatory car loan for 22.99 % in Arizona, where I live. The Arizona usuary rate is 10 %. There is no compounding interest in Arizona for car loans. 
Predatory lending is a practice that is unfair or abusive to the borrower. The fraudulent loan charges me almost 50 % interest. The total sale price on loan- charges me my {$1600.00} down payment. 
False advertising by the dealer on XX/XX/2018. Equity stripping by lender pursuant to FTC. Overcharging me for the loan. I was deceived by Credit Acceptance from the beginning. Unfair business practices and consumer fraud-deception. Credit Acceptance still has blatant disregard for the rights of innocent purchasers-me. Credit Acceptance does have the dealer invoice with the price of the car and my credit score.
Consumer complaint received 2023-04-06
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. (TX)

3rd request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1997. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Required identity documentation attached. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MT)

On XX/XX/2019, I spoke with a representative at Citibank requesting to close my savings and checking accounts. The next day I logged into my online account and saw that the checking account was closed, but the savings account was re-opened, without my permission. I then called back Citibank and they confirmed that their system had not closed my savings account, despite pledges that they had done so. This is a clear violation of my rights as a consumer, and Citibank is unlawfully trying to keep my account open.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was involved in a scam ring at my job. There where several phones and log in information stolen from work computers/tablets which then was sold to thieves. I filled a police report and notified Bank of America and they did an initial investigation, but after the 10 days they said they didnt find any wrong doing and took back my provisional credit. Now my account is negative almost {$1000.00}
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TX)

Back in XX/XX/XXXX Me and my wife had a chapter XXXX Discharge due to completion. In XXXX of XXXX I noticed our bankruptcy trustee was paying a creditor that originally was omitted back at the start of the bankruptcy in XX/XX/XXXX. In XXXX I told my lawyer about this and they said it was to late to do anything about it. So at post discharge I wrote a letter to the company and then another without a reply. I asked them to return the payments that were made by the trustee.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I used my online account at chase.com to send a payment via Chase QuickPay/XXXX, and Chase capriciously decided not to authorize the payment and then called me three times for " fraud protection. '' Two representatives claimed they would authorize the payment. Instead Chase blocked my access to my account and demanded that I go to a branch to authenticate myself. The nearest branch is 12 miles away, and I should not have to travel 24 miles round trip to be able to access an account I opened online when I lived in another state. I haven't been to a Chase branch in many years. I demanded Chase close my account and send a check for the balance to my address on my file, and Chase refused! How can Chase refuse to send me my money to my address on my file? How can a bank demand I travel 24 miles to access my account? Blocking access to a consumer 's funds for NO LEGITIMATE reason is outrageous. How can Chase hold my money hostage for no legitimate reason?
Consumer complaint received 2019-05-02
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. (IL)

XX/XX/19 I mailed in a copy of the FTC report XXXX, police report and credit report along with my ID, SS card and water bill to verify my info to have fraudulent accounts removed. 
XX/XX/19 I mailed in a request to block this information under FCRA 605B along with the above information. 
XX/XX/19 I tried to find out the status of my block request and could not access online. 
I called Equifax XXXX where two representatives were not able to verify my ID, trans to manager XXXX who verified my ID but stated the block request was entered only for certain accounts and is still processing. 

Block request confirmation # 's XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX US DOE No entry for XXXX XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 

I informed him that Equifax only had 4 days to block these fraudulent items and he stated they have 30 days to investigate. I asked for a manager as this is not in compliance with FRCA 605B 4 day rule & was told I would get the same info from them.
Consumer complaint received 2018-03-29
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: IQOR US INC (DC)

I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by Allied Interstate LLC that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. Allied Interstate is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue teaching ; financial, personal, and professional sacrifices. Please rectify this issue.
Consumer complaint received 2019-05-02
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 — Problem with personal statement of dispute
Company: Quality Asset Recovery LLC (NJ)

This collection agency report me as joint account for medical bill for {$3800.00}, i never sign any papers the person was my wife, she applied for XXXX XXXX at that time cz she was nor working and they appeoved her case We never received any bill at our home adress In XX/XX/XXXX the collection agenct report it as unpaid charges to my credit report, i spoke with them many times they wont understand In XX/XX/XXXX they posted again for the same amount and there was no changes whatsoever I dispute it with XXXX and they said is accurate and the update was made for some changes which not true.this is a medical bill Since XX/XX/XXXX and i was not present or sign any papers to take responsibility, she did everything through charity care and even the bill was too much for emergency room
Consumer complaint received 2019-09-25
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. (AL)

I've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : XXXX, XXXX XXXX
Consumer complaint received 2022-03-30
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.