davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC (TX)

Today, XX/XX/2021, I received a debt collection letter from American Coradius International LLC. They say tgat XXXX XXXX sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that XXXX was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use XXXX again, I would have to pay the remaining balance. A few years back I used XXXX to make a purchase, but because I never used it I recently closed the account. I did not owe money because the XXXX account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (MI)

I am unaware of any debt. I did not have an opportunity to dispute this debt before you placed it on my XXXX credit report. If you believe you gave me the proper notification, please send me the certified letter receipt showing my name, address, and signature. If you can not, please delete from my XXXX report.
Consumer complaint received 2023-07-25
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. (NY)

I submitted a dispute to Equifax concerning the inaccurate credit limit for my XXXX account with XXXX XXXX. Equifax sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by XXXX XXXX, or Equifax themselves. I emailed XXXX XXXX several times now with no response. XXXX XXXX has no phone number to call, so I sent XXXX XXXX, and Equifax the documentation proving that my credit limit was raised on XX/XX/2023. I called Equifax, and the agent said that XXXX XXXX submitted a report in response to my dispute, and that XXXX XXXX says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to Equifax yielded inaccurate information. If you look at the " Historical Account Information '' from the report from Equifax, in the second box down for XX/XX/2023 entry it shows the correct amount, and then Equifax changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just Equifax, who has a history of providing false information verbally and submitting false credit report information.
Consumer complaint received 2019-11-21
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name 
 XXXX XXXX XXXXXXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 



XXXX XXXXXXXX - XXXX - this account does not belong to me 
 XXXX XXXX XXXX XXXX - this creditor does not own this account. 


 XXXX XXXX- XXXX- I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX, XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately 
XXXX  XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 

XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






XXXX XXXX
Consumer complaint received 2021-10-30
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: Santander Consumer USA Holdings Inc. (WI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-05-18
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. (FL)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit R

eporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorr
ect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXXNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX  account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX  XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX  # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX  # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  # XXXX AMOUNT {$0.00}
Consumer complaint received 2024-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (OR)

In late XX/XX/2024 I received a call from Credit Systems international. Stating that I had not paid a debt. I asked what the alleged debt was they stated for XXXX XXXX XXXX a company I had never heard of. I told the caller from credit systems that this was not my debt. I found out this was a utility bill from Texas a state I had never lived in. Credit Systems International said they would mail me something regarding this fraudulent debt. They even asked for my current address which was in Oregon and had been during the time of the fraudulent debt. Nothing came no further correspondence from the company and now a month later it shows up as a collection account on my credit report. We are in the process of buying a house and this erroneous account shows up. I realize the the real criminal is the fraudster who created a fraudulent utility account in my name but credit systems exacerbated the problem by reporting a fraudulent account to the credit reporting agencies.
Consumer complaint received 2022-05-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC (FL)

I purchased a vehicle back in XXXX and the finance company that financed me was Global Lending Services. I paid {$5000.00} down for my XXXX XXXX, I also purchase a warranty. 3 weeks after purchase I began to have major mechanical failure. I contacted the warranty company and found out Global lending failed to verify that the dealership did everything they were supposed to on their end including making sure payment was made for the warranty. The warranty added XXXX to my loan. 

I was without a car longer that I should have do to a delay in finalizing the warranty. 
The issues arose because I missed almost a month of work. My payments are up to date. 
My first payment was do XX/XX/XXXX I started receiving calls about 2 weeks after my first payment was due. After I started receiving multiple calls during the day during my work hours I requested a cease and desist. I explained that I just returned to work and it was inappropriate for Global lending services to call me multiple times a day almost everyday. The representative I spoke with I asked her to update my address because my permanent resident is in Florida because that is where Im licensed. I travel for work. My address was never updated and the representative did state she noted my account to not contact me by phone and she said I would receive written correspondence via mail from them. 
A few days later I started back receiving calls. I received calls from multiple numbers for Global Lending Services. On today I answered a call the person didnt say anything when I said hello. Then I received another call. The person said her name was XXXX and she needed to speak to me. I asked her to identify who she was and stop telling me her name is XXXX. She then said she was calling about my vehicle and she was from Global Lending Serviced and I told her that their is no reason anyone should be calling me. My account is paid and I kept repeating cease and desist. I told her that I should not be getting calls and its to the point it is harassment. I ended the call. I also wanted to note that even when I called prior to my date to get help with Global lending doing their party and contacting the warranty company and dealership to see what was going on with my warranty. The first thing a representative would say is am I calling to make a payment. I explained my payment wasnt even due yet. My car payments were reflected in the amount that included my warranty. If I had no warranty then no payment. Also, when I try and make payment on my account via online their is always a error message as if they are trying to force me to call them. So my payment are made by mail and or XXXX XXXX.
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Sending this complaint because Chime closed my account with my remaining balance. I'm requesting assistance to receive my balance that was due to me upon the closing of my account. I have not been able to verbally speak to anyone in reference to this matter. I am aware of an account closure but they need to send my funds in the form of a check. Please help me wit this situation.
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (NY)

Affirm XXXX Inc. has contacted several times via email using profane and obscene language to collect debts for three accounts. In their emails they have included I missed a payment, failure to make the payment may affect my eligibility to use Affirm in the future, and they were going to contact a third party collection agency to obtain the payment. I have emails from XX/XX/XXXX in the amount of {$17.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$130.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, and XX/XX/XXXX in the amount of {$45.00}. 

I did follow up with the company XX/XX/XXXX and they report back the debt was verified. I responded back in XX/XX/XXXX and asked who did they speak with to verify the debt because I know by law they can only speak to me and Im the only one who can verify a debt and they responded again without specifics and said the debt is accurate.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Each year, I request my free credit report from each of the three Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax takes all of my information and then says that they can't verify my identity and force me to submit a written request with LOTS of backup documentation. I have even established an account with Equifax which I managed to use a couple of times to create a " freeze ''. Now, I can no longer log in to that account to try to get my free Credit Report. They even advertise that they will automatically send a free credit report annually to account holders. They don't. 
I have told their customer service of these issues and I get no help. 
My most recent try was XX/XX/XXXX. 
The last time that I successfully got a credit report from Equifax was XXXX. 
They need to clean up their on-line responsiveness.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (FL)

My checking account has charged me {$3.00} a month for mailing me statements when I know I wanted email statements at time I opened the account. I didn't even notice the statement fee at first but it appears to have gone on for months. Also the bank is charging me like {$8.00} a month because I do not use my debit card 5 times in every month. I am XXXX and unable to work but I do not get XXXX so I have little money in first place. Then I spent a week in XXXX  in XXXX and XXXX weeks in XXXX. If I'm not working and dealing with XXXX  issues I don't use the debit card enough. Somehow the repeated $ XXXX  monthly fees and {$3.00} statement malling fees, my account is actually negative.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, Account - 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 a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Blitt and Gaines, P.C. (IL)

Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}
Consumer complaint received 2022-12-16
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items from my report immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANK/LNBRYANT  XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX This company I have spoken too repeatedly about this bill explaining that my employer- XXXX  XXXX  of XXXX  Workmans Comp division is who the payment party should have been as I was hurt on the job at XXXX XXXXXXXX XXXX XXXX  while in XXXX XXXX employ. This was over 2.5 years ago. 

They referred the bill to GLA COLLECT of XXXX  # XXXX phone XXXX. My credit has been harmed over bill I did not owe.