davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2021-06-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team again was incredibly rude and unprofessional, making it impossible to correct errors on the servicing side. It was too the point I deemed it tribalism and employees sabotaged the servicing of my account thereafter. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX should all be notified to remove this uncollectible, invalid debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-22
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. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

I received a letter in XX/XX/2024 from Cedars Business Services , LLC. The letter stated that if I responded by XX/XX/2024, that the company must " stop collection on any amount you dispute until we send you information that showed you owe the debt. ". 

I responded on their form to dispute the debt, specifically stating " Not my debt. Past statute of limitations. Do not attempt to collect. Provide any documents on file ''. This letter was mailed back to the company on XX/XX/2024. 

I did not hear anything in response nor did I receive any of the documents requested. Despite the law requiring them to stop collection attempts and their letter stating the same, Cedars reported this disputed debt to the credit reporting agencies. I received an email notification from XXXX XXXX alerting me to this action. 

Cedars engaged in illegal debt collections actions by continuing to try to collect the debt by reporting this to the credit agencies, despite never providing me the legally required documentation.
Consumer complaint received 2022-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC (AL)

My complaint concerns harassment and unfair debt collection practices by Liberty Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. I've done business with this company for 2 - 3 years and I always paid on time. Recently, due to being diagnosed with XXXX XXXX XXXX XXXX  XXXX, I had unexpected medical copays, as I do not have a XXXX XXXX XXXX. I am XXXX XXXX XXXX at at the time I opened the account, my only income was Social Security. As a result of the unexpected medical, my account fell behind. XXXX and XXXX, the office staff of Liberty Finance, refused to work out a reasonable solution on the payment schedule and as a result, my account was written off and went into collections. I was continuing to make payments, but my payments were less than the established monthly payments, due to my circumstances. They refused to work out a reasonable payment schedule with me. I have since taken on a part time job, although I am not physically able to do so. I am struggling. I began making weekly payments. I call them, or tell them in person, when I will be in each week and appx. how much I will be able to pay. My complaint is that I continue to receive harassing phone calls from particularly XXXX. She calls me even when I am at work, although I've told her the day I will be in to make a payment. She calls me on that day, in her words, " just to be sure I'm still coming in. '' This is excessive. She should wait until the next day should I fail to make the agreed upon payment on the agreed upon date ; but instead, she calls me on that same date. This is unnecessary and exhibits unfair debt collection practices and constitutes harassment. Still, they are refusing to establish a workable payoff payment schedule. It is obvious XXXX and XXXX do not know how to manage a consumer loan office and should be reprimanded.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (NY)

In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I requested that Remitly send {$25.00} to XXXX XXXX In XXXX 6 days agoXX/XX/XXXX. Money is not available and no one is able to help. They just say wait and see.Numerous chats have produced nothing. 
My name is XXXX XXXX. They claim its not their fault.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Associates, Ltd. (OH)

In XXXX of 2020, I received a credit alert When I checked my credit report I saw that I had a collection account from Collection Associates XXXX XXXX XXXX, XXXX, WI. On further investigation I found that they also operate as Collection Associates LTDXXXX XXXX XXXX XXXX , XXXX , WI XXXX. When I first disputed this account it came back as verified, I have never had an account with this company nor who they say they are collecting for. I have not received any notifications in the mail nor phone calls about this debt it just showed up on my credit reports. I contacted the XXXX  and Collection Associates response was that they don't have an account with me. Which is untrue because they are on my credit report. They also operate with two different phone numbers one being ( XXXX ) XXXX and the other being XXXX. I found this out by a class action lawsuit that was filed against them ( XXXX v Collection Associates LTD ). The PO Box address is the one listed on my credit report, the street address is the one I filed a complaint with the XXXX  and Collection Associates claim I didn't have an account with them. I believe they are giving consumers the run around by having two different addresses and phone numbers so that we can not complain and just give up.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (IL)

So on XX/XX/XXXX chase executive office called me and said they sent a cashier check of {$420000.00} to my address and i asked why they didnt call me earlier before they sent out the cashier check to give me the tracking number or to even verify my address given the amount on the check. I went further to inform them that I no longer live in the XXXX XXXX address since XXXX and i am unable to access the address. I also requested that there should be a stop payment placed on the check and that Im very worried of the check getting into the wrong hands.i was later assured that nothing would happen to the check and if anybody try to cash out the check, it wont go through but i should go into the branch first thing in the morning on XX/XX/XXXX due to the fact that i was called by chase on XX/XX/XXXX XXXX when the check already arrived at the address. So i was asked to go in the branch the next day to sign the lost/ stolen check declaration and other documents. I went in the bank and spoke to a branch manager and i filled all the paperwork and i was assured that nothing would go wrong and no one would be able to cash my cashier check and i should be receiving a new check to my new address on XXXX  XX/XX/XXXX. On XX/XX/XXXX i called the bank so request for the tracking number of the mail which is to be delivered to my address on XX/XX/XXXX and i was told that it was cashed out in XXXX XXXX in on XX/XX/XXXX. So i asked how that was possible given that I did everything chase asked me to do right on time and i was assured that my money is safe. And also the cashiers check was paid out to only me so how would someone go into XXXX XXXX and negotiate a cashier check in my name and citizens bank paid it out to the person. Chase further asked me to file a police report and also fill out the forged signature document and open a claim on the money. I did all that and i was asked to wait XXXX XXXX. My main aim is to be able to get my money back without any excuse because my money is meant to be insured by chase, and citizens bank were supposed to verify the check from chase before releasing it to whoever came in the branch with my check.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX my Bank of America Cash rewards supervisor XXXX has told me that my account was closed for no reason. I have had this credit card since XX/XX/XXXX with no issues. please see attached photos for proof. I was NEVER late, this is a violation of my rights and federal law of 15 U.S.C Ch. 41 TILA Act. I have a credit limit of {$8000.00} and I was never late with payments. I am also an honorable military combat veteran who served his country. They have mentioned upon reviewing my credit report we have decided to closed down the account. I never gave them permissible purpose un 15 usc 1681b that is a violation of the law to pull my report ( EVEN IF ITS SOFT PULL ) i always paid off the credit card, and i was looking to pay it off in full this month. I will be filing a BBB complaint as well as bringing this to the attorney general, public press release and social media! Being that they closed that account this affect my score and put me in a bad position credit wise which i can sue and put them in litigation for! this is an adverse action against my well being. i am the original creditor ( by federal law ) I extend the right to give you guys my credit and it actually against eh law for banks to extend credit! they fraudulently check my credit report and deemed me as a credit risk. the violation they broke was the FCRA 1681 usc ss 604 states. they did not give any warning what so ever. regardless i have great credit nd they broke the law. I will also be seeking litigation.
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (OK)

In Regards to ACCOUNT # : XXXX. 

This company is reporting inaccurate information to the credit bureau XXXX I have reached out several times to get this matter resolved with the creditor itself. I was informed yesterday that I needed to dispute the information with the credit bureau rather than the creditor because the creditor didn't have time to update all of the customers accounts with this issue as they have cut ties with XXXX as of XX/XX/XXXX. I have tried disputing this information with the branch several times prior to XX/XX/XXXX contact with the branch. 

According to the FCRA the creditor is to report accurate information to the credit bureau if they report misleading information then it violates the FCRA. Granted if the creditor stopped using XXXX as a reporting agency it should have deleted all customer tradeline 's from that Bureau. Not advise the customer that it is there responsibility to dispute it.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have previously disputed the Bankruptcies listed on my credit report, and have provided a Police Report verifying the information is the result of Identity Theft. XXXX XXXX has deleted the bankruptcies from my records. Despite this, Experian continues in its refusal to remove these items. A copy of the letter from XXXX XXXX is attached. Experian has a copy of my ID and the Police Report on file as well.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Equifax is the most irresponsible credit bureau in the USA. I ordered a free credit monitor and canceled, they still charged me a fee of {$19.00}. I called this morning and they told me I had to load a state ID and also send in a live picture of myself to prevent fraud. I wish they were this thorough when they deducted the amount from my debit card. They are very irresponsible, I have a state ID and I have to go outside to take a picture, I am currently homeless and staying in a temporary location, I dont have the luxury of taking a picture in privacy, As soon as I woke up I called and they informed me they need all this documentation to refund my money. They go the extra mile for a refund and meanwhile they dont even protect your information.
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (GA)

I am XXXX and I am in XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on my payments due to medication cost, but I still kept paying my mortgage, I tried to bring current but was unable to, I am not asking for a modification which they are trying to give me but I have been denied several times, I want a temporary suspension of payments, I can bring my acct current with help. I have the paychecks to do this, I just cant do all at one time. Please I am asking for help and I have begged and begged, I am XXXX XXXX XXXX XXXX XXXX I have sent proof of this to SLS, but they refuse to help me. I didnt ask to be XXXX and XXXX XXXX, but I am proof sent, I have a family a wife and daughters who will inherit my house XXXX XXXX XXXX. My wife will also get XXXX dollar life insurance policy to help with any problems, please I am asking SLS / XXXX XXXX to help me please stop foreclosure let me start making my payments again and get this behind me before XXXX XXXX. Please help me, please stop foreclosure, please help me bring my account current. I am a XXXX year old XXXX veteran. I am asking for help, please please
Consumer complaint received 2022-07-22
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. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (IL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX VERM XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

There are over 70 credit inquiries on my credit file with XXXX, XXXX  and experian and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (FL)

To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you