davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (NC)

First off, I want to start with I know that I was behind on my payments and had all intentions of catching them up. On XX/XX/2023 at around XXXX XXXX  while at work I was on lunch, Mariner Finance tried to contact me. An associate answered the phone and XXXX XXXX ( manager at Mariner Finance of XXXX Nc ) proceeded to tell the associate that he had been trying to get ahold of me and was unsuccessful. He ( XXXX XXXX then asked for the associate to give me a message that I needed to contact him and if I didnt they were going to seek legal action. When I returned from lunch the associate gave me the message at which point I contacted XXXX and let him know that I did not appreciate him giving my personal information to a coworker. And of course, XXXX denied it. I feel as if this was completely uncalled for. I know I was running behind on my payments as I have done in the past and I never have refused to pay my debt. XXXX also mentioned that he had spoke to my spouse yesterday but our work shifts were completely opposite each other and I have still yet to see him to get the message. This was completely uncalled for and unprofessional of XXXX to put my business out to a coworker.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have numerous inquiries from capital one. I have never applied for capital one. They refuse to remove the inquiries and its affecting my credit score. Those inquiries are the result of identity theft and fraud. The only person I know that could have done this is XXXX XXXX my sister and her ex boyfriend XXXX.
Consumer complaint received 2021-04-14
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. (SC)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I receive an offer to increase my credit limit and called in, instead of doing online. The person took my income information and asked other questions and stated I would hear back if they had any thing. I explained the letter read it would be instant, he stated he would need my social security number to do that, I asked if this was a credit pull and declined after he told me that is the only way to get instant determination. I called back weeks later and spoke with a manager and she stated the person never submitted the information and it was a time sensitive matter and she would escalated it, to possibly reopen the file. 

XXXX XXXX from Texas office called me on XX/XX/2019 to inform me he listens to the call and the representative did everything correct. I told him that was bull XXXX, and I was going to file a complaint. 

My wife receive the same letter and went online and received instant increase. I think Chase was misleading and just collected information from me.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

I paid XXXX accounts with Americollect inc. on XX/XX/2021 for the amount of {$85.00}. 
Account number : XXXX {$10.00} Account number : XXXX {$50.00} Account number : XXXX {$25.00} I contacted them today, XX/XX/2021 to find out when this will be removed from my credit report. I was told by both the agent and the supervisor, XXXX, that it will remain on my credit report as a derogatory account, but will be marked as paid. XXXX also claimed they report daily to the credit bureaus, yet as of today, it is still listed as unpaid. I was told I would have to fill out a paper and mail it back and they would review it, and may make a 'complimentary ' removal of it. I was told by the rep that no accounts will be removed until all the separate accounts are totally paid.
Consumer complaint received 2022-10-10
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)

This is XXXX XXXX XXXX XXXX submitting this CFPB complaint once again, to remind the Credit Reporting Agencies of their indifference and laziness to correct my Credit File thus resulting to the disputed fraudulent accounts still reporting on my Credit File. This is my 7th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the Credit Bureaus to remove the following items completely from my Credit File ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25.00}. Also, the Credit Bureaus have been claiming that the disputed items have been verified and yet they have failed to send me copies of documents proving their Verification or documents bearing my signature. Despite the lack of evidence, the credit Bureaus are still reporting the disputed accounts on my Credit File which is a violation of a consumer 's rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I tried to apply for an apartment in XXXX, TX using a HUD Section 8 voucher. I was denied the apartment due to a Tenant Tracker 3rd party credit reporting stating that I owed {$6700.00} to XXXX XXXXXXXX XXXX. With such a high balance, no one would lease an apartment to me. I soon after saw an advertisement for Trans Union settlement where if information based on public information was listed wrong they had to pay you {$1500.00}, and up to {$2000.00}. The actually website says that they use 3rd party sources. " TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit www.TUPublicRecordSettlement.com ''. I dispute the collection record twice, and Transunion would not remove it. I had to come to this website, and your agents saw the error, and made the 3rd party  admit to having a judgement and other fees included in a collection amount. They at first removed the judgement from the balance, leaving only a collection amount. I reminded them that when the apartment complex accepted the judgment from the court, they could not sue me for other balances. They finally removed the collection completely. Transunion did not try to really check into the validity of this collection that also contained a public debt. They caused me adverse harm, as I have paid apartment fees and application fees only to have been turned down by the apartments, thus having no place to live. The amount was erronously so high that no apartment complex would be willing to rent to me, thus they were lying to prohibit me a place to live. Transunion did nothing until I started a prior complaint with CFPB. I feel that I should be qualified to get the disputed funds for Trans Union because they did nothing to ensure that my credit report was correct, and sided with the 3rd party two times, without really investigating my issue.
Consumer complaint received 2023-01-13
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. (VA)

On XX/XX/2023 XXXX received the following request to block, On XX/XX/2023 Equifax received the following request to block, and On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 XXXX received the following On XX/XX/2023 Equifax received the following On XX/XX/2023 XXXX received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested Equifax and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.
Consumer complaint received 2022-03-15
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. (MN)

These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : XXXX Closed XXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX  XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (IL)

This is now the third time I have had to spend countless hours with the escrow department to address egregious increase in my monthly mortgage back in XXXX and in XXXX my escrow analysis had to be recalculated which worked in my favor of a different of {$1000.00} per month. 

Now in XXXX they are including XXXX tax payment installments due to XXXX XXXX sending their tax bill late so of course there will be a shortage in my account when they are including an extra payment for taxes on this analysis. There should be no reason XX/XX/XXXX should be included on this analysis when they haven't paid out XXXX of XXXX yet. The current mortgage payment is {$3900.00} and they are now saying new mortgage payment is {$4900.00} again just seem egregious and not sustainable to raise someones mortgage by {$1000.00} per month.
Consumer complaint received 2022-03-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NJ)

Since the settlement agreement regarding XXXX XXXX I've made calls on several occasion to get my private loans discharged, was transferred to the military coordinators for them to tell me that they have no answer to getting those loans discharged. I was told to continue to pay to this fraudulent private loan. I even submitted a loan discharge application, haven't heard any feedback regarding it.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (SC)

XXXX XXXX XXXXXX/XX/XXXX {$2000.00} jefferson capital XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} attempted to take my home and SSI Income
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MO)

XX/XX/XXXX, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know ncb debt collections management have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc. (TX)

I have been contacted multiple times by a collection agency that goes by RS CLARK & ASSOCIATES. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (ID)

In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of ERC ( enhanced recovery collections ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (WY)

Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and XXXX cards are XXXX XXXX Merchant Carpenter Improvement cards. I called XXXX and XXXX who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 XXXX account, XXXX account & XXXX XXXX Equifax : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. 
I have sent a Validation certified letter to XXXX and XXXX. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
Consumer complaint received 2021-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2019-10-09
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. (FL)

I have contacted the credit beuarues with no luck on getting this inaccurate information off of my credit report. Talked to reps and still no resolution. 

XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX