davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

I told the collection agency that this debt isn't mine and requested they validate/verify the debt with a signed contract binding me to the debt. That have not verified the debt. They told me over the phone that they didn't have a signed contract legally binding me to the debt. It was a woman that I spoke with. She reiterated to me over the phone twice that they didn't have such evidence. 

XXXX XXXX.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

It started about three years ago, I was contacted by this debt collector, the would call three or 4 times a day. Seven days a week, when I asked them to stop the excessive calling. I was told that they are a bill collector and they don't have to stop calling me. I finally had to threaten to file a phone harassment suit. This is after about 300 calls in a six month period. They stopped calling and have started calling and hanging up on me now.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I entered a forbearance plan in XX/XX/XXXX because I my finances were negatively impacted by COVID-19. In XXXX of XXXX my job was terminated, and I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I began working with my current employer on XX/XX/XXXX as a full-time employee, and my annual gross income is {$100000.00}. 

I have been in contact with my servicer, Specialized Loan Servicing ( SLS ) since XXXX of XXXX. I have submitted multiple mortgage assistance applications to have my loan modified, deferred, or put on a repayment plan. In the applications I submitted in XX/XX/XXXX and XX/XX/XXXX, I included all required paperwork, including pay stubs, tax returns, and bank statements. 

My monthly mortgage payment is {$1500.00}, the total amount owed is about {$33000.00}, my monthly gross income is {$9000.00}, and my monthly take home pay is about {$6000.00}. I'm also applying for the Virginia Mortgage Assistance fund. 

So far, SLS has refused to offer an assistance plan that lets me keep my house. They have refused to put the total amount owed in defferment, set up a repayment plan, or modify my loan with a 3 month trial period. I have shown sufficient income to begin making monthly payments, but they are threatening to forclose my house. 

They also reported my mortgage as deliquent to credit bureau agencies, even though I applied for assistance. I have had multiple SLS representative state that SLS won't move forward if I'm applying for assistance, but they have destroyed my credit score and made it nearly impossible to find financial resources to pay the lump sum owed. 

Note : I have the names, employee IDs, and date of contact for the SLS representative I talked to. I have also been in contact with a HUD-approved housing counselor.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I wanted to file against Portfolio Recovery Association, LLC that they called me often time without left the message on my telephone, XXXX. 

I do not know if there's a rule for them " must leave the message '' if I am not available on the telephone? 

Also, Portfolio Recovery Association is violated to use my debt collection of CareCredit ( for medical expenses ) under XXXX Bank for my privacy XXXX  rights. Also, I am complaint against them because they submitted the summon document with the county courthouse without reasonable due my XXXX privacy rights.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2020 I sent Experian the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had used a credit card from Citizens Bank in XXXX XXXX NY on XX/XX/2022 for a gravestone for my husband who passed away XX/XX/2022 to XXXX XXXX for an initial payment of $ XXXXUpon checking the balance of my checking account for more than a week, I found out that {$1000.00} were twice deducted on XXXX called the customer service of Citizens Credit Cards on XX/XX/2022 and spoke with XXXX via phone and told me that the {$1000.00} will be refunded/returned to my checking account within 4 days and I told her as well that I have some autopay due within that time. After 4 days the {$1000.00} was not yet returned to my checking account and my outstanding balance was {$3.00}. I tried to call the customer service of the bank and even went personally to the bank but the answer was to try to call the Credit Card Customer Service. On XX/XX/2022 an agent of Citizens Debit card named XXXX and XXXX yesterday from their chat web were both contacted with no avail to my problem
Consumer complaint received 2021-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have been XXXX  XXXX XXXX  for my student loan for the last 8 months. I pay as early as possible yet i get a late payment on my credit report from XXXX XXXX
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/22 around XXXX XXXX  I received a called from a person claiming to be from XXXX XXXX electricity company collection agency to collect a debt, the person that called told me I need to pay 800.00 immediately to avoid service interruption, They called from XXXX XXXX after I called back the number to verify which had the same prompts as XXXX XXXX I made the payment, after making the payment the persons attitude changed and I questioned them, I immediately called my bank Citizen 's to confirm what appeared to be XXXX XXXX payment to find out it seem to be a scam, I asked the rep to flag the transaction which he said he did, then I call at a later date to find out they still allowed it to go through. 
it was a XXXX payment feature through my banks website My citizens bank claim number is XXXX
Consumer complaint received 2021-11-09
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: ACIMA CREDIT, LLC (CA)

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 Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TN)

I recently received a packet from XXXX XXXX XXXX XXXX. I also received a letter from XXXX XXXX XXXX recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a XXXX XXXX and is receiving social security XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a XXXX XXXX. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was discharged in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the W-2 for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. Social Security have written a query for me showing my former employers. 
From XXXXXX/XX/XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with six digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for ten years.
Consumer complaint received 2022-02-18
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: TD BANK US HOLDING COMPANY (IL)

I received a credit inquiry from Target Friday XX/XX/2022, on my locked credit report that reduced my credit score by XXXX points. I did not absolutely not attempted to apply for any Target Credit AT ALL. I am currently out the country in the XXXX XXXX on vacation and have no need to apply for any credit while I am vacationing. Please have Target to remove the inquiry.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (FL)

Original debt was to XXXX XXXX XXXX for {$250.00} was paid on XX/XX/2021 by check # XXXX. Now a debt collector has reported a collection of XXXX to credit reporting agencies. I have no idea why the amount is higher, and also the bill was paid directly to the dentist in XXXX of 2021.
Consumer complaint received 2020-07-28
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. (OH)

After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-04
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: Security National Automotive Acceptance (GA)

This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.
Consumer complaint received 2023-01-27
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. (CA)

Experian has many open complaints XXXX XXXX and more PLEASE NOTE FINAL LETTER WITH SUPPORTING DOCUMENT " LEGAL DOCUMENTS '' sent regestered letter on the XXXX this month THE DOCUMENTS ATTACHED QUALIFIED FOR IMMEDIATE REMOVAL in my request I asked for XXXX XXXX XXXX to XXXX removed from all and re assign to another legal advisor also in my complaint/dispute I asked for personal statement PLURAL to be removed as well SHOWING NONE also I asked all creditors showing included in XXXX XXXX record to be suppressed and not showing debtor information this is a tactic Experian uses to the advantage of THERE CLIENTS as far as my dispute Public Record I supplied XXXX with XXXX XXXX Letter with XXXX direct contact to correct the filing date but all good I have my court discharge letter also in my disputes with Experian I will admit I got confused with a XXXX report I am XXXX XXXX  and denied mortgage loan lease establishments for the errors on my reports as far as XXXX he took my errors and XXXX it to a advantage to make me look stupid I suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or comprehend his replys I best XXXX  him to be removed
Consumer complaint received 2021-05-28
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)

I have employer on my credit report I never worked for and wanted it removed and changed with my current employer XXXX XXXX XXXX XXXX. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with XXXX, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the XXXX. I will also be making a complaint to XXXX  and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}
Consumer complaint received 2018-05-05
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. (AL)

I have a acct that has been on my credit FILE SINCE XXXX ... i have continuously disputed this item ... but the credit reporting agencies refuse to remove it from my credit file.i submitted an old credit report from XXXX showing how long this acct has been on my credit report.the acct in reference is XXXX
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

My personal account is blocked from XX/XX/2022. The reason was that I'm not the owner of a phone number I'm using for banking. I called the bank and also went personally to the branch. They told me that they can't unblock my account until I receive from them a special code that is sent via traditional mail. I've been asked to wait 7-10 days to get it, but also they told me that they already sent this letter to me, so I should get it very soon. But after two weeks I still haven't received it. Now they are asking me to wait longer but I don't know for what? I have bills to pay and I have to use my savings that I have on polish bank account, so they produce me more costs for changing currency, and the only thing they can say to me is to wait more, but no one knows for how long it would be.
Consumer complaint received 2022-02-18
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: TD BANK US HOLDING COMPANY (GA)

Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : TD AUTO FIN on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides . A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ). 
I have not initiated any transaction with [ TD AUTO FIN ]. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FIN for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I advised that I did not owe the money as it was exorbitant as the carpet was clean and advised my rental company however they replaced it. 

I moved and did not receive anything from the rental company. 

In XXXX, i changed my license details & then got advice from a collection agency called procollect that I must pay after many phone calls. In the end I paid the debt and was promised it would not be on my file. 

Called again today to have it removed they said they would not remove it as it will be there for 7 years.
Consumer complaint received 2019-11-18
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. (NY)

The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX  Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal  : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX  Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX