davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

I have already provided photos and documents proving that I fulfilled a lease that I was taken to court for. The attorney on behalf of the company who sold the debt to the collection agency did not object to the eviction and the debt being dismissed with prejudice during the eviction hearing. Months after the hearing XXXX XXXX XXXX sent me all the documentation that I used to prove my case in court in the form of validating my debt for collection. I have tried numerous times to have this item removed from my credit report and also requested that if the company who originally reported the debt wanted to collect they should take me to court. No court action has occurred, as the previous case was dismissed with prejudice, however, the Collection agency continues to report negatively on my report. 

I gave notice of intent to vacate on XX/XX/2020. I turned in the key on the last day of my lease agreement on XX/XX/2020. A walk through was denied due to COVID, however, I took photos of the entire house prior to returning the key.
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

FIFTH THIRD BANK- XXXX  ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Consumer complaint received 2021-12-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

A few years ago, my ex opened a XXXX account in my name and didn't return the equipment. I didn't know this until I went to try to open a Spectrum account in XX/XX/XXXX. I informed them then that I had no idea what they were talking about. They didn't offer me an option to just pay for the missing equipment. I forgot all about it until flash forward to XX/XX/XXXX and I see that XXXX  has sent me to collections with the organization I'm reporting. Alas, this organization NEVER contacted me whatsoever about the debt and instead just put it on my credit report.
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 — Information belongs to someone else
Company: U.S. Collections West, Inc. (AZ)

On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than XXXX  saying they validated the debt but how? And where are my copies?
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my response to a customer satisfaction survey that Experian Credit Bureau sent me : On XX/XX/21, I was trying to upload documents and it didn't work. The customer rep told me to clear my cache and try again. That still did not help and it caused me to lose all my saved history. I then try another browser and still got an error message. For some reason you people at Experian really don't want to help me address the fraud that was committed on my account. 

On top of that I was given three different addresses to mail my documents to. My documents contain personal identity information about me and I'm not even sure where to mail them???? And I shouldn't have to mail them when I should be able to upload them. 

I have been trying for almost a year to get the fraudulent accounts removed from my credit file. But no one at Experian seems to want to help me. This is just as bad as the identity fraud. 

It would be helpful if someone with extreme knowledge and ability could contact me so I can upload my documents and get this matter resolved once and for all. It's frustrating and time-consuming and a very inconvenient. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TX)

Received a collection letter from EOS CCA, that started in about XXXX at which time I called and they stated whom the dept was owed. I called XXXX and was told that not only could they not find such a debt but the account number given does not match any records they have. I also called XXXX and XXXX XXXX XXXX my actual provider ) and the same response was given, they can not find any debt owed nor any account number that matches. I was also told by XXXX and XXXX that they did not even provide services in the area in which I live and still don't. I called back to the collection agency and was told they would check and get back to me. Within a month I was getting the same bill. I have both called and sent letters XXXX XX/XX/XXXX and XX/XX/XXXX ) trying to get this resolved, and everything I found out in my own investigation. I will hear nothing for a while then the letters start again. It is getting tiresome and I would consider this harassment. Not only are the letters and calls annoying and harassing but they have put this debt on my credit report! I do not know how to get through to them that this has never been my dept. I have repeatedly asked for proof that this is my dept and have never seen anything nor have I been given the number of someone I could verify this dept with.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX 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 XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Our company had a check altered and deposited into an XXXXXXXX XXXX from our Truist bank account. The check was for {$19000.00} dated XXXX XXXX Our checks have holograms, watermarks and are heat sensitive. We have been a bank customer of Sun Trust for over 30 years. We did not realize that the check was fraudulently deposited for over a month. We notified the bank on XX/XX/2022. We were never told by Sun trust Bank that we had 30 days to report a fraudulent check. In XXXX of this year Sun Trust became Truist Bank. Now after this fraud we are told that we had 30 days. They told us when we opened the account we were told. We opened the account with Sun Trust over 30 years ago. They do not know what Sun Trust told us when we opened the account. XXXX XXXXk accepted and deposited the check without doing their do diligence. It seems that it is too simple to forge a check and get it deposited and cleared. This is clearly a case of fraud. If the check was digitally deposited it would seem that it is a risk that the banks are taking is for their own expediency, not for the protection of the customer. Truist Bank has denied our claim because we did not notify them with in 30 days from when it was posted to our account.
Consumer complaint received 2024-05-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I went to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to open 3 CDs on XX/XX/XXXX for the same rate of XXXX  % for 1 year each, as advertised. 

I was greeted as I entered the branch, shared the reason of my visit, CDs for XXXX  % and 1 year term. I was told that it will be done online and then directed towards an officer to be helped. 

It took a while as I had to repeat the same information for the 3 different CDs, and because I am rather clumsy with a keyboard. I remember as well that the officer had also some problem as I was using cashier 's checks, an option not offered on the application. 

Anyway, once that was done, we moved towards the cashiers to remit the cashier 's checks. I received then XXXX flimsy deposit receipts, no paper showing the term and interest rate. I was told that I would be unable to see the new accounts before a few days. I checked my phone application a few times over the next few days, finally saw the correct amounts invested in the XXXX different CDs. 

I had no reason to doubt on what had been done and I left it at that until today when I clicked on account details. I discovered that XXXX CDs had a XXXX  % rate for 10  month, not 1 year, but also that the 3rd one had a XXXX % rate for 36 month. 

I went immediately to the branch. No one can do anything, not the officer  at the branch, nor someone contacted over the phone, not her supervisor. According to XXXX XXXX  policy, the customer is responsible for the choice made at the time of the application, not the officer. My choice has been expressed loud and clear on XX/XX/XXXX. A mistake has been made when filling out the rate and term for one of the CDs, either by me as they say, or by the officer. Should not it be his duty anyway to make sure that what is done correspond to the wish of his customer? If not what is the reason for him to be there? 

To get the term I want, even without considering the change in rate, I would have to pay a hefty penalty. 

XXXX XXXX is not transparent with its customers and unwilling to recognize human errors even when they might be coming from an employee. 
According to the supervisor I had only a day to change my mind, that is totally unrealistic as I didn't have access to any details on the transactions from the phone application before a few days ahead. 

Is something can be done? Any customer should be made aware that he will be facing a total denial of any responsibility from his bank.
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NJ)

In XXXX of XXXX, I switched from XXXX XXXX to XXXX XXXX XXXX XXXX. 

I have a letter from XXXX confirming that my account has been disconnected with the last day of service being XX/XX/XXXX. 

I received a new bill for payment on XX/XX/XXXX - XX/XX/XXXX for {$760.00}. 

In XXXX ( date unknown ), I spoke to a XXXX XXXX Customer Service Representative and requested to dispute the payment. The customer service agent hung up on me. 

Again, on XX/XX/XXXX, I called XXXX XXXX Customer Service to address and dispute this bill. I was told that they could not help me and transferred me to XXXX XXXX- the website they provided was XXXX. I waited on the call to talk to a representative, but no one answered. When I tried to call back, I could not speak to a person. I called XXXX XXXX back again and explained this situation and the rep I talked to ( XXXX XXXX said that she could not help. 

So I have been waiting for another official communication which I finally received this Friday by XXXX ( received Friday, XX/XX/XXXX ). This communication came from RPM ( Receivables Performance Management LLC ) - Reference Number XXXX. 

The letter says I have XXXX to notify the office to dispute the validity. HOWEVER, The letter is dated as XX/XX/XXXX. I will not be able to submit my dispute in time if they go by this date and not the date of receipt. 

In the meantime, I would like to protect myself and will fully dispute this bill in full ( now {$830.00} ). I also assume they have reported to the credit agencies. In the meantime, I will send a letter ( which will likely be received well after the XXXX from the XX/XX/XXXX date they indicated in the letter ), but will also send an email copying this note to you at the CFPB. 

I am attaching the documents I referenced above. Additionally, I am showing proof of payment from my credit card that shows that I paid my previous bills ( there are no outstanding bills since I had had auto-payment set up ). My last payment to XXXX XXXX was on XX/XX/XXXX.
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
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 — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX  is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave XXXX  30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I recently refinanced my existing mortgage with XXXX which was transfered to nationstar/mrcopper for loan servicing/escrow. as part of closing i had to show proof of home owner insurance/purchase a new policy with my existging insurer XXXX. mrcooper has claimed they have no proof of insurance on file for me and to go to their website www.mycoverageinfo.com/mrcooper to upload it. when i attempted to put my info to look up this information throughout the last 2 months and most recently to XX/XX/2021 my account cound n't be located despite having a proper loan number and online account to pay my mortgage with them. I filed a complaint email to them cc'ing their CEO as well as attaching proof of insurance regarding the faiure of their website as well as keeping my proof of insurance through title company. My bf refered me to this company and they did the exact same thing. he also filed a complaint with the CFPB on his mortgage re : mr cooper/nationstar mortgage " loosing proof of insurance '' this seems to be a pattern of abuse of claiming to have lost this information on new accounts so they can double bill insurance premiums for people who do not pay attention. We advised them we noticed this pattern as this is two seperate accountss between us with the exact same pattern.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (TX)

In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have submitted several police reports stating identity fraud. I have given Equifax a copy of my Colorado Drivers License. A copy of my Social Security Card and a copy of the police report for the identity theft. The two XXXX accounts were filed under Identity Fraud along with the police report. XXXX was listed as 6 times paying late when in fact this was incorrect. the two other Credit bureaus were listed as no missing or late payments. Only Equifax is showing 6 times. This needs to be fixed. There is a XXXX XXXX account which is not mine. My address has me living in Georgia. I sumitted proof that this Identity Fraud. I have never lived in Georgia. Equifax is not changing these errors. I am asking that they delete the errors. Equifax is the worst of the 3 credit reporting agencies, especially when it comes to fixing and deleting their errors.