davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

I receive multiple calls per day to my office work phone with voice messages and they are now calling from local XXXX numbers leaving an XXXX to call back. I answered the phone and asked for them to stop calling me at work and to send everything by mail. When I moved, I submitted a change of address with the United States Postal Service and I have yet to receive anything in writing but still receive at least 5 or more calls a week on my office phone and sometimes even on the weekend or after work hours.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MERCHANT AND PROFESSIONALS would verify the debt. So I took it upon myself to ask MERCHANT AND PROFESSIONALS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TX)

I believe company Chime Financial XXXX XXXX XXXX XXXX XXXX is sending out unsolicited debit cards. 

Received a card on Monday XX/XX/XXXX. I immediately thought I had my identity stolen. After some online investigation it appears that this is really common for Chime. 

I should also point out that all of my credit reporting services have been locked. So if this was a valid request a credit pull would have failed and the account denied. 

It appears the only way to close this random account is to go through an email only process. This furthers my suspicion.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-2 ( a ) consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AR)

I I had a real realtor working with me to do a quick sale on the home and they approved it but they have since rejected three offers that had been set to go to closing stating that the amount of money was not enough the house is not worth what theyre asking for and I feel like they are trying to railroad me I filed bankruptcy I paid off this house in bankruptcyBut yet they are saying I still owe on this house Im just trying to keep my credit straight and get away from these people after paying in seven years XXXX and some odd dollars this house has been paid off I shouldnt have to pay it off again I want out I need help
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (WA)

After I moved out from XXXX XXXX in XXXX, FL, I paid all the monies I owed them, including the alleged amount they reported to the Credit Reporting Agencies ( XXXX, XXXX and XXXX ) for the amount of {$420.00}. I have sent multiple letters on this matter to the apartment complex company and the credit reporting agencies and have fallen on deaf ears. I included on my communications a screen shot from my bank account in which clearly anyone can see that I have paid the alleged owed amount.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

XXXX XXXX Virginia is stating that I owe them {$540.00} concerning a set top box and a remote control that was not returned. I physically return both units to the XXXX location in XXXX, Virginia. This debt has been re-aged and documentation dated back that far is not available. I would like this item to be removed and deleted from all three credit-reporting bureaus. On XXXX XXXX, 2017, a credit alert was forwarded to my credit monitoring account stating the following : Your FICO Score has decreased by 31 points. XXXX XXXX has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores.
The following account was removed from my credit report previously, but has reappeared after it`s been sold to another collection company. This activity has affected my credit score by a decrease of 31 points, while I`m currently in the process of obtaining a mortgage.
I would like this item remove from all 3 credit-reporting bureaus and my credit score restored to my previous score. A thirty one point drop is very excessive for one collection account. Thanks for your time, support and understanding XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : XXXX  Phone Number : ( XXXX ) XXXX Social Security Number Last 4 : XXXX My identification is attached verifying my identity. This request is not being submitted by a thrid party, I XXXX-XXXX  XXXX am submitting this complaint as I did with this COMPLAINT ID XXXX-XXXX
Consumer complaint received 2019-07-17
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: ENCORE CAPITAL GROUP INC. (NC)

WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (TX)

Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XXXX. 
The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX, XXXX saying they want to resolve an account with ( XXXX XXXX XXXX XXXX ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently Accelerated Financial Services XXXX XXXX XXXX XXXX. In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " AFS '' that the collections pertains to a company called " XXXX XXXX  '' whom I have never done business with.
Consumer complaint received 2018-05-12
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. (MI)

I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (OH)

The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (PA)

There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

At the end of XX/XX/XXXX, I had called Bank of America to close my Spirit Bank of America XXXX. 

I assumed this had gone through, although now looking back, I did not receive a letter from this company regarding this closure. 

I did not use my card after this, but then was charged my annual credit card fee that is associated with the card in XX/XX/XXXX ( XX/XX/2019 ). I was unaware of this, as I had thought I had closed my account and had recently moved, changing the address on my current open accounts ( except for this one obviously ). I was notified that my score dropped drastically from this on XX/XX/2019. 

It wasn't until I saw the notification on my credit report that I realized that this was still open and now overdue. I paid it, after disputing with the company and not getting anywhere because I am trying to buy a home and didn't want the late fee to progress any longer with my credit score being affected. 

I have also opened disputes with the credit reporting companies regarding this. I have never had a late payment before and am very frustrated that this happened and has affected my credit so intensely. 

Thank you for your time and I look forward to the resolution of this matter.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion, XXXX, and XXXX are all reporting my XXXX XXXX on a XXXX XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to Transunion, XXXX and/or XXXX to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.
Consumer complaint received 2021-07-21
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. (TX)

Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (PA)

There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I had a mortgage with Guaranteed Rate who I paid off on XX/XX/2021. Guaranteed Rate sold my mortgage to JP Morgan Chase and sent them the payoff on XX/XX/2021. Chase is asking me why I am not paying my Mortgage I have explained and sent them the transfer paperwork from Guaranteed but they keep telling me to wait and call back. Chase calls me about 3 times a week about payment even though I have proven the payoff. It has come to a point that my credit is being threatened. I don't know what else to do. Guaranteed Rate will do nothing even though I told them that they were the company i was dealing with. They tell me that it is not their problem
Consumer complaint received 2022-12-15
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. (MO)

I XXXX XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On XX/XX/2022, at XXXX XXXX XXXXXXXX, I made a transaction for a money transfer to my XXXX  in XXXX XXXX ( XXXX XXXX ). The transaction time in XXXX XXXX was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was expecting my son to pick up the money the next day. However, my XXXX XXXX XXXX  and I could not make it. It is only on XX/XX/2022, that my son went to a MoneyGram agency located in the XXXX XXXX neighborhood. 
The agent told him that the ID he had was not valid. He came the next day on XX/XX/2022, with his passport this time. But the process was again denied. My son was told that the passport was about to expire in XXXX months, and the passport was not used to travel elsewhere. Therefore, the transaction was not pursued. Consequently, my son called me to change the receiver 's name and put his brother 's name. 
I went to MoneyGram 's XXXX to change the name. I was surprised to read that the transaction was successfully made. I was worried because I did not receive a text message informing me of the completion of the transfer. 

I called MoneyGram to check the status of the transaction. MoneyGram confirmed that the transfer was made on XX/XX/XXXX, XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the company, the company agent filed a complaint on my behalf without telling me that it will take time. After several calls. I decided to XXXX  your assistance to get my money back. 
The complaint case number provided by the company is XXXX The transfer amount is {$500.00} USD plus a transfer fee of {$9.00} USD The reference number is XXXX
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (NY)

Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon
Consumer complaint received 2022-07-26
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: Conn's, Inc. (TX)

I did not add any new credit inquiries to my conns report. One showed up in XXXX and I recently got another that should not be there. Please help to remove the inquiries hard credit pulls
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file