davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
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. (CA)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (OH)

This is a attempt  for two years  to obtain an accounting showing payments made and the current amount due and owing. I filed a complaint number  XXXX  back in  XXXX   XXXX  ; however, you appear to have dropped the ball. Nothing came of this complaint and I did not receive an accounting for  XXXX . Now I am attempting to obtain an accounting for  XXXX  from  Midland Credit Management Inc. I have made repeated requests for this accounting with no response from Midland. I do not u nderstand why this is so difficult to do. Further cfpb appears to have done nothing regarding my prior Complaint What gives?   Again why is this so difficult if  Midland  can not do this they should go out of business.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

I was listed as an occupant on a lease with my parents and they ( my parents ) have an outstanding debt with the company. This company has reported the debt with Experian Rent Bureau and both the Rent Bureau and XXXX XXXX refuse to remove the item. I never signed the lease agreeing to be held responsible for any unpaid rent and/or damages to the residence. I am a XXXX yr old single mom trying to rent a apartment for me and my son and this is keeping me from doing so. Attached please find a copy of the original lease and a copy of my dispute with Experian declining to remove the inaccurate information. I do not feel as an occupant that I should be held accountable for the lease as I did not sign any documents agreeing to being responsible nor was I made aware that this was the case. The debt has been sent to a collection agency called XXXX XXXX and they have agreed that I am not responsible and removed the debt from my credit. However the property management company has reported it and refuses to speak to me personally about it or remove it from my Experian Rent Bureau report. Please contact me with any questions. Thank you, XXXX XXXX
Consumer complaint received 2019-11-03
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. (FL)

I am writting this due to non-compliance with the ( Equifax, XXXX, XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/2019-I did a Payment on my credit card account of {$180000.00} XX/XX/2019-Bank of America took {$180000.00} from my credit card account in concept of Refund. 

After few days I called the bank asking about my money and why they did that without any previous information.. The Bank said they sent me a Check of this amount at my home. 

XX/XX/2019 : I received the check, but It was damaged ( USPS broke the check and they gave me a regret for the situation ) I contacted the Bank and explained them the issue. The attendant told me that they can cancel the check and reimburse me the money at my checking account ... It never happened I called many times for the next weeks, explained over and over again to who was behind the phone.. All of them promise me the same.. 

XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened It's been almost two months since Bank Of America took my money and they didn't give any solution.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

M & T refuses to answer my numerous email phone calls and messages. I have also contacted the office of the president and I get no response either. I made a deposit on XX/XX/26 of {$1200.00} confirmation XXXX and my money was withdrawn but never put into my other checking account. Where is my money? Also, M & T promises that when you do transfers that the funds will be available the next morning. This is not the case. Once again I have incurred over {$700.00} in NSF fees because I do transfers but the money doesnt deposit. This is one of numerous situations. M & T owes me my {$1200.00} as well as my {$700.00} in NSF fees for not depositing money on time.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MD)

I have made over {$1000.00} in payments since 2018 but I cant use my card it shows a {$0.00} availability. I did not close my account and I have made my payments on time. What is going on?
Consumer complaint received 2019-11-03
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. (SC)

XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right
Consumer complaint received 2019-11-03
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. (SC)

XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out  right
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Hunter Warfield Put a collection for {$3200.00}. This collection should not be on. The Company XXXX XXXX Is Claiming I Owe them this money, This is false. I am under leagal cousel againt This XXXX XXXX. I have also filed a XXXX Descrimation case also, A HUD Complaint, And XXXX XXXX Attorney General Complaint. 
The fact is XXXX XXXX Apartments, At XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Owes me the amount of {$3200.00} I have notified The Collection Company Hunter Warfield to cease and desist and take the collection off all my credit Bureaus .They are breaking the laws Of the CONSUMER CREDIT PROTECTION ACT & Fair Credit Reporting Act, Harrasment of Me And My wife.
Consumer complaint received 2023-06-29
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: BARCLAYS BANK DELAWARE (CA)

In accordance with the fair credit Reporting act Barclay Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (NV)

CoreLogic is reporting rental history that belongs to my father XXXX XXXX XXXX for an address on XXXX in XXXX XXXX, Nevada under my name XXXX XXXX XXXX. Ive been attempting to get their records updated by sending them the court records and the Property Managers even sent a letter stating the same but CoreLogic refuses to remove the information from their tenant report on me and its resulted in me being denied a place to live twice as well as over {$300.00} in application fees.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted Transunion customer service and they would not remove the following inquires even after I told them these were not accurate and possible identity theft. 

XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I pulled my credit report on XX/XX/2019 and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/2019 I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters
Consumer complaint received 2018-05-04
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. (IL)

After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Management, Inc (IA)

I have issued a cease and desist letter for myself and my workplace. I requested all information about this debt as I have not received anything that validates this debt. The letter and request has been sent by certified mail and will reach them in time before our hearing next week. I have received nothing but garnishment notices from this company and they continue to harass me, embarrass me, and create an unjust amount of hardship on my life.
Consumer complaint received 2022-07-07
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. (AZ)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: QUALITY ACCEPTANCE LLC (TX)

I was involved in a car accident XX/XX/XXXX and have been unable to make the payments on my car for the last two months, due to not having a means of transportation. I was released from my XXXX XXXX  last Tuesday and was involved in another car accident Thursday XX/XX/XXXX, to no fault of my own again. The other parties insurance company has already claimed liability for the vehicle, yet representatives in your XXXX XXXX offices are threatening my credit score of another negative hit of XXXXpoints if I don't make a payment on the car note. XXXX XXXX XXXX my car was repoed and my credit was impacted XXXXpoints. I had previously agreed with representatives that I would receive my direct deposit after the holidays and my car was still taken. I paid enormous fees, my vehicle was also damaged by your Repo company and they assumed zero liability for the damages, and I paid two months of past due notes. I was informed today that when my car is paid off that my credit score will not increase, but if I can't make a payment it will decrease substantially. There's absolutely no way your company helps EVERYONE 'S credit. $ XXXX in total to lose over 125pts total in credit score. Deplorable
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX   XXXX   XXXX   XXXX   located in California is reported on all   XXXX    of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at   XXXX   in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
Consumer complaint received 2019-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

On XX/XX/2019, we sold our home that had been financed under an FHA loan serviced by Cardinal Finance. The proceeds from the sale easily covered the remaining balance on the loan, including any remaining interest and PMI costs. Despite this, Cardinal Finance deducted an additional {$95.00} for PMI through XXXX. A Cardinal operator and her supervisor admitted I did not owe the additional PMI, but when I asked to release money they told me to call HUD. I told them they already have paperwork indicating the loan has been satisfied and the additional PMI payment was unnecessary. They would only offer me HUDs toll free number. This is theft and negligence.
Consumer complaint received 2019-11-03
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)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the fu
rnisher ( s ) of that information.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MA)

We were offered a trial plan by Caliber Home Loans and we messed up the date of the last payment and because of that they said we are ineligible, they call it trial plan default. So they sent us a letter saying we could re-apply meaning start the process over again and we had until   XXXX   XXXX   XXXX  .
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So last weekend Memorial Day Weekend, when we could not talk to anyone until Tues.   XXXX   XXXX   XXXX  , we received several letters from   XXXX   XXXX   in  XXXX  , MA   XXXX   telling us that our house will be auctioned off for sale on o r after    XXXX   XXXX   XXXX  . The phone number for  XXXX  is   XXXX   the fax number is  XXXX .
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In the meantime we met with our HUD Counselor and re submitted all our forms back to Caliber Home Loans to apply for loan modification all over again. I am truly afraid we have no place to go.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (UT)

I have been dealing with horrible collection practices from  Monterey Financial  services and their harassing practices. they have been threatening to send it to review for collections which would add an additional 35 % to my bill i tried to explain today  XXXX / XXXX / 2017  at  XXXX   XXXX  i received the call from the company he was very harassing and was bullying me to the extent of making me feel uncomfortable he kept interrupting me and demanding information as to what the personal matter was as to why I 'm filing for ch.  XXXX  bankruptcy the personal matter was none of his business but kept trying to bully me into giving him the information. this was so unprofessional and i refuse to be bullied by this company any further.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ) .   thank you