davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
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: ALLY FINANCIAL INC. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-01-26
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hey XXXXt ; Transunion ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
Consumer complaint received 2022-11-30
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. (IL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-01-14
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 — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (MA)

Hey XXXX  ; XXXX ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (PA)

On XX/XX/2020. I took steps to try and re-pay old debts on my credit history. I was trying to do the right thing and repair past medical bills. I contacted the debt company " Miramed '' Group. I actually had my report in front of me. Right from the start, the amounts they had did not match with mine. I questioned this many times. I kept being told that it all added up to the same amount. I did the math and noticed it did not. I still offered to pay a large amount if I could get verification that the 4 separate accounts would be updated. They stated that they would be re-done into one acct. Showing the amount paid and that I was current. I still was not feeling great about the situation. But, with this being my very first conversation with a debt collector and not educated about my rights and what they are allowed to do and not do. I continued on. I did state over and over I did not like or understand how the amounts they had did not even match to one of the amounts on my credit report. Once I decided I was going to pay in good faith. As soon as I stated this. That I would pay as long as it would be updated on my report. The woman IMMEDIATELY started saying just so you know all calls are recorded. And can be used in legal litigation. After this i was placed on hold. When the hold was lifted the woman I was speaking to said she was going to transfer me to her supervisor to complete transaction. When I got on with " supervisor '' the woman asked me how much I could pay? The total amount they had was around {$2300.00} if I rember correctly. Where my reports showed around {$1500.00}. Being still weary of this, I said I would pay {$600.00}. The supervisor then swayed me into paying {$730.00}. She said that this would take care of 3 of the accts. And she could then just make the rest to one acct. With a current paid status. I paid {$730.00}. Since then, NOTHING has changed on my reports. Not the balances or number of derogatory accts. ( 4 ) from Miramed group. I want to know what happened to the money I paid. Why did nothing change. Is this not theft??? Or at the least, misinformation by predatory tactics? I tried to do the right thing and all that happened was I lost {$730.00}. As if I tossed it out the window. I am trying to correct these pasts to try and build up my credit to buy a home for my wife and XXXX  children. This company should not be allowed to operate with such tactics and dishonesty.
Consumer complaint received 2022-01-14
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 — Their investigation did not fix an error on your report
Company: Zarzaur and Schwartz, PC (AL)

There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all XXXX credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is Zarzaur and XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Consumer complaint received 2022-01-14
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: Credit Technologies, Inc. (NC)

I had XXXX XXXX of XXXX XXXX complete a unauthorized Hard Inquiry on my credit on XX/XX/XXXX. 

I submitted an application early XXXX. On the XX/XX/XXXX we emailed about credit pulls. I requested to be notified before the credit pull, XXXX XXXX of XXXX responded he would need email authorization. I responded on XX/XX/XXXX that I would need it done before XX/XX/XXXX since I already was shopping around for rates with other mortgage lenders. I never heard a response from him until XX/XX/XXXX after this unauthorized incident. On XX/XX/XXXX I email XXXX XXXX stating that I was withdrawing my application. I also attempted various time to speak with him over the phone but kept getting his secretary who I also notified of my withdrawal. Today XX/XX/XXXX my credit was pulled by XXXX XXXX on behalf of XXXX XXXX without my approval. I notified XXXX XXXX and he contacted me via phone stating he would investigate, but also stated he didn't know what a resolution would be.
Consumer complaint received 2022-01-14
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IN)

My mom passed away, I took over her home. She borrowed XXXX in 2017, its now over XXXX. I made contact, and was told that they would work with me. They since have sold the loan 4 times this year. Every time I make contact, try to get all information its sold again. Now they are trying to foreclose and take the home I live in. The government informed me, and we raced to hearing. I am still in dark. I am being put off, I tried to get a loan to pay them yet I havent received anything from PHH. This has been going on for a year. My name is XXXX XXXX. My mother was XXXX XXXX. Please help me. I feel like I am losing my mind. After talking to the first two companies, they in courage me to put money into home to increase value, I feel it was to steal it from me. XXXX. I make good money credit score could be better I know. Please contact me and them to get in the middle of this before I am XXXX and on the news over over reacting. This is a nightmare thanks. XXXX XXXX. XXXX
Consumer complaint received 2021-09-24
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: Mercedes Benz Financial Services (CO)

I disputed a 30 day late that occurred on my account in XXXX of XXXX  during the stay at home orders due to the pandemic. My XXXX was not able to survive and we had to shut down. My letter explained they violated the public Law No.116-136 ( XX/XX/2020 ) Coronavirus Aid Relief, and Economic Security Act or The Cares Act - Section 4021. I had called them regarding my business closing for good, and that I was having a hard time making the payment. I made the account current that very next month and still is current. They responded to my letter stating their reporting is accurate. Yes as it may be that a payment was late, but in accordance with the Law stated above they are in violation for reporting the 30 day late. I ask that it gets removed, per Federal Law.
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Citibank transferred a charge made to our citibank costco visa to another citibank card, our sears mastercard, 'shop your way '. We don't use the sears card and called and asked that that account be closed as soon as we received the statement. Citi sears continues to call us about payment. We didn't use that card. Citibank must have transferred the charge made with our Citi Costco Visa to the Sears Mastercard. I understand that they were recently sued and had to pay a settlement of XXXX XXXX dollars in XXXX for this same type of practice. I've called both of the branches involved. I've spoken to many representatives and supervisors. We are not getting this resolved in a timely or satisfactory manner. The statement shows a charge for XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX CA for {$210.00}. Again, we used a different card for this purchase. It was not charged to Citi Sears Mastercard 'shop your way. '
Consumer complaint received 2021-09-24
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. (TX)

I disputed a fraudulent account XXXX XXXX and I send in documents for this account and XXXX refused to block it due to I had obtain goods which is false I never use this credit card or apply for this account and I was in prison and locked up and I can show you proof that these payments were unauthorized to my bank account I request the bank to dispute it and they have determined these payments were fraudulent/unauthorized and return the money back to me and yet the dispute with XXXX XXXX was denied by the credit bureaus and they never blocked the account before this is fraud and it a violation of fair credit act
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (CO)

I don't have the exact dates but about a year and a half ago the collection agency out of California named Cavalry Portfolio Servic repeatedly called my mom, grandma, enployer and myself, after we all told them to stop. Also they threatened legal action regarding my debt, as well as discussed personal information about my debt with my mom, XXXX XXXX, who let me know right away. I notified them about this, requesting they remove my debt but instead they lied about all the violations in which they knowingly committed and refused to remove it. Luckily my mom was a manager at a debt collection company so she made sure to explain that what Cavalry Portfolio Servic did was unlawful and that I should file a lawsuit if they don't remove the collection from my credit report.
Consumer complaint received 2021-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (MO)

Ar Resources inc XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX M.O. XXXX XXXX To whom it may concern Re : This Account is not mineI received a alert from XXXX XXXX that you are reporting this fraudulent account as mine.

You claim I owe a debt to your company.

I am requesting that you provide validation of this debt! If you do not comply with this request, I will immediately file a complaint with all three credit Reporting Agencies, the Federal Trade Commission, and the Missouris Attorney Generals office.

Civil and criminal claims will be pursued.Sincerely, XXXX XXXX I have immediately sent a complaint to the CFPB!
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/XXXX, XXXX XXXX XXXX got tickets purchased with my debit card information fraudulently. 
On XX/XX/XXXX XXXX XXXX got a reservation made with my debit card and the information was used fraudulently. XXXX XXXX gave me my money back in XXXX  days XXXX XXXX XXXX said that they don't give money back at all they were non-refundable tickets. I said not if it was fraud you have to give it back to me. My bank said that it would take 90 days and that they may not give me a temporary credit. I went to the police and the police check the ISP addresses of my device and the device that logged in to get those tickets and the reservations made they did not match mine and I was cleared. 
I gave my bank chime Bank which is backed by XXXX. 
XXXX XXXX XXXX committed fraud and made tickets and claim that I got those tickets. The post office said that no mail ever left XXXX XXXX XXXX address to mine in the last year since back in XXXX of XXXX. 
Chime Bank actually found against me because of the information sent to them by XXXX XXXX XXXX. I told my bank you have the police report proving that it was an unauthorized transaction and all you need to do is call XXXX XXXX XXXX and find they never sent me any tickets in those tickets were never claimed and those tickets were never used. 
For some reason chime Bank denied me again even with all this proof that it wasn't me and that I didn't authorize it they still gave my money to XXXX XXXX XXXX. I have asked for any new information to show why they're denying my claim. So far I have gotten nothing but my account sits in a negative because of chime Bank and deposits and withdrawals have been stopped because of that negative balance. Chime Bank refuses to pay attention to the facts and they also gave me a new card back in XXXX because of the unauthorized transaction. I really hate the fact that they're not giving me any information to show why they're denying me because the information they gave me after the first time I've already proven to be fraudulent and wrong because XXXX XXXX XXXX even wrote them and said we never did give XXXX XXXX  any tickets but we've got a XXXX for him if he ever wants to go to a future concert. I said that's my money I don't want to go to any concert I didn't pay for the first XXXX but you guys are stealing my money from me even though the police agree with me that it was an unauthorized transaction and the fact XXXX XXXX XXXX admitted they never gave me anything for the money.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Pursuit to 1B USC I Owe no debt This company is violating my consumer right to privacy pursuant 15 usc 168 1 B 2 company also has no permission to report anything using my personal information pursuant to 15 usc 16814
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (NC)

The Debt Buyer is trying to collect on an alleged debt that I do not own to them. I have sent to the debt buyer ( s ) a debt verification and validation letter. I have sent to the CFPB a copy of said letter.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (PA)

I entered into a payment plan to pay off a copay balance with XXXX XXXX on XX/XX/2021. The plan was for two payments of {$84.00}. One payment was automatically withdrawn in XX/XX/XXXX and the second on XX/XX/XXXX. Both payments are reflected on my health savings account summary. Last week I received a collections notice from Credit Control , LLC indicating I failed to make the second payment and they were therefore attempting to collect a debt of {$84.00} owed to XXXX 
I tried dealing first with XXXX billing and they merely had me email proof of the payment and said theyd let the collections company know I was disputing the debt. Not trusting XXXX, I reached out to XXXX XXXX myself to inform them that there is no debt and to provide proof that I had paid the sum theyre trying to collect. They told me they will not accept proof of the payment from me and would just list the debt as in dispute for the next 30 days and wait for XXXX to sort it out. And if XXXX doesnt tell them the debt wasnt legitimate, they continue their attempts to collect and ultimately send this to the credit bureaus if I dont pay. They refused to accept proof that I had paid the bill they are attempting to collect. They gave me two options only : pay or dispute. 
Despite spending nearly a week emailing with the XXXX billing department, Ive gotten no where other than answering the same questions over and over and providing the same information over and over. The billing department only corresponds by email and I get a different person every time I try to follow up and they then repeat the same questions Ive already answered. Today, the best I got was the information was being forwarded to the investigational team except that should have already been done by any of the other people I previously spoken to. Given that XXXX is doing nothing to resolve this, I am concerned for my credit over a bill that I paid. Its incredibly troubling to me that a collections company can refuse proof that the bills they are attempting to collect on have been paid. And they seemed incredulous that Id suggest that they may have liability for refusing proof I have paid the debt theyre threatening to ruin my credit over.