davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.
Consumer complaint received 2018-12-19
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. (TX)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2019-01-08
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. (TX)

OnXX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018.  On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I bought a new iwatch two for XXXX dollars and change total witb a new Barclays credit i had obtained to improve my credit score. After two weeks I decided that it would be best to pay it off because i could miss i payment and that would be worst than trying to incresase my score by a few points, so did. 3-4 weeks later i call to see if my balance was indeed at XXXX. Surprising, my balance was over my approved credit limit. I call again in a week to see the satus of my disputed fradudelent charges and they ask me so many privacy questions ( at least 5 ) and apparently i answered one incorrectly so i get locked out of my account. I then had to mail them a copy of my id, bank statement, and social security card, not once but twice, while, my fraudulent charges where never issued a credit so although i did not owe them anymoney- i did. So not to get a late payment i sent in two payments as they requested. My onlynproblem is that they have marked one of them as 30 days lare.
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has a medical account on my credit report that does not belong to me I have disputed with XXXX and equifax. The debt was from texas when I resided in Florida at the time this bill was allegedly made. XXXX   has deleted the incorrect information however, Equifax insists this is my debt. I have no knowledge of this medical provider and did not reside in Texas at that time. 
There is another bill on my credit report that also does not belong to me. Again I disputed with both XXXX and Equifax as I have no knowledge of the medical provider and did not reside in Texas at that time. XXXX has deleted the incorrect information but yet again Equifax insists this is my debt. The collection agency for the second account is XXXX XXXX also located in Texas. I do not understand how one credit reporting agency determined this is not my debt and deleted and Equifax has not. I do not feel that Equifax is doing their job and the consumer is being punished for it.
Consumer complaint received 2018-09-13
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. (GA)

Experian declines to remove the unauthorized inquiries and opted instead to make false accusations and allegation in which I am quite displeased about ... 
However, I have read countless reviews about their erroneous reporting, and how they will claim you are using a repair company, because you know the law ... indeed a lot of complaints will sound the same when you ( Experian ) are causing the multitudes the same issues and grief ... litigation will follow if this is not cleared up, and the accusations don't cease, and it is at my discretion to use a company if I want, yet I opt not too, because I can take you to court myself ... and I know the law promptly delete- XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX In, 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 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

Diversified Consultants also known as XXXX has placed a collection on all three of my credit reports. They first sent me to a collection agency for the amount of {$240.00}. I responded with a letter and a copy of my receipt proving termination of services on XX/XX/XXXX. They continued to sell this so called debt to numerous collection agency 's and I  continued to mail my letter and receipt. After two years it is now on my credit reports. I mailed my receipt and letter to credit bureaus they did nothing. XXXX continued to bill me for cable services after I personally returned equipment and terminated services and have a RECEIPT!
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a credit freeze on my Transunion credit report. They are letting entities still get through credit free e. I.sent them a FCRA 611,609 and a 626 to show me how these banks are getting through my credit freeze I tried calling them in XXXX but the XXXX hate Americans and lie straight to me 3 times to get me off the phone. This is outrageous. These XXXX reps actually either hate Americans or they just don't want to do their jobs. This is illegal.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX billed me for what they claim to be damages and monies owed on our XXXX XXXX XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Consumer Financial Services (FL)

This title loan company has opened and closed accounts under different names claiming i owe them thousands of dollars even after they repossessed the car. I told the company the engine went bad and i needed time wit payments they, charged me for a locksmith and took the vehicle. 5 years later this company has open and closed accounts on my XXXX XXXX and XXXX   accounts. I have taken the time out to rectify the issue but they refuse to show me proof of the charges or any records i have my last receipt that shows a five hundred dollar balance. These people have been taking advantage of me
Consumer complaint received 2018-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have a HELOC with Citizens Bank. Citizens Bank has refused to enclose cancelled checks ( advanced of HELOC ) with monthly statements. I don't have records of the checks I used. I was told that I have to call in or write to request a copy of cancelled check. The representatives sometimes are not friendly, hang up phones, abuse their powers. Sometimes, I was on hold for 50 minutes to speak to a rep.

I request Citizens Bank provided copies of all cancelled checks with monthly statements.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX is contacting me about my ex-wife 's debt. I have been divorced from her for several years. I re-married in XX/XX/2012! Synchrony called me on the following dates and times : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. Each time it was explained that we have been divorced for many years and I am not responsible for any debt that she has built up since. Each time they said they understood and would pull my number from the account. The last 3 times they called I asked to speak to a supervisor. The supervisor would pull up the account in question and say that I was not on the account and my phone number was not associated with the account. When asked how I was receiving calls, they could not provide me with an answer. I really don't understand where they are getting my information since they advised that I was not a co-signer on her account, my name was not on the account. The phones are on separate accounts, and we are legally divorced! I really would like these calls stopped!
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Investment Retrievers, Inc. (PA)

I co-signed for my sons XXXX business which went bankrupt shortly after I settled all of the debts except for a vehicle that was being used by my sons business partner who kept the vehicle while they were trying to locate him.When they finally did get the car back they sold it at auction for considerably less than market value declaring I was responsible for the balance which was XXXX dollars which I didn't think I was, this was in 2008 .never received any correspondence until recently, when they say I now owe them almost 50.000 dollars which was interest added, I can not meet this financial burden as I am XXXX years old and still working to pay a mortgage and other household bills. Sincerely, XXXX XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moneytree Inc (CA)

I am periodically receiving harassing telephone calls from MoneyTree. I do not believe that I owe them what they say I owe. According to the FCRA they must verify their information and they have not done so. I am in the process of disputing this information via XXXX, XXXX, and XXXX. I am not interested in discussing any information with them via the telephone. If they are interested in talking with me they must respond to me in writing ONLY!
Consumer complaint received 2022-03-08
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: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX cancelled a flight booked and paid for in XX/XX/XXXX when the Covid rates rose in XX/XX/XXXX. They processed a refund of all six passengers ( my family ) on XX/XX/XXXX. In the meantime, the credit card [ CC ] company ( XXXX XXXX then Comenity ) blamed XXXX. XXXX blamed the CC company. I spent over twenty-five hours in phone calls between the companies. It has been an endless cycle of blaming the other party. XXXX finally sent over the refund receipts for all SIX transactions. They gave me the transaction ID numbers along with the credit amount posted on all the pdf. I was instructed to file disputes to force the credit, per the CC. XXXX sent me the refund receipts on XX/XX/XXXX. I filed these with the CC company. I have called back multiple times to have them " find '' my refunded money. Often I will get told XXXX is the problem. I have spent close to 26 hours on the phone between the CC and XXXX. However, magically, ONE of the credits appeared when the CC was sold from XXXX XXXX to Comenity in fall XXXX. When Comenity took over the account, my husband, the card holder, credit was posted on XX/XX/XXXX. I called back at that time and was told the other refund credits were probably there but did not get posted as they are marked with our family member 's names ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and not XXXX, the card holder. The CC company has made close to {$400.00} in finance charges by NOT properly and swiftly crediting my account. Every time I call, I am told file a dispute and that takes close to 90 days and is ultimately denied. They have my money. They credited ONE of the SIX. They are not crediting the others while making close to {$400.00} off of not doing their job. I have no recourse between the finger pointing, the endless circle of phone transfer XXXX, and the waiting between denied disputes.
Consumer complaint received 2019-04-24
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)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Good evening, our home loan servicer is SPS ( Select portfolio Servicing ). Our insurance claim check was taking applied to our mortgage, without our permission. Then we received our XXXX tax form for the year XX/XX/XXXX from SPS. Box 1 Mortgage interest received from borrower showed XXXX, SPS added the XXXX insurance check to that number. On XX/XX/XXXX I went down the the IRS office in XXXX Mass and asked for a copy of what SPS reported to the IRS in XX/XX/XXXX. We found out that SPS reported XXXX as mortgage Interest received from payer ( XXXX XXXX ) to the IRS for the year of XX/XX/XXXX.

This is tax fraud.SPS XXXX to me and what SPS reports to the IRS Should be the same dollar amount. I believe the reason why SPS did this is to make the mortgage securities more marketable. So they can sell the loan for more money. We have never been late on our mortgage payment to SPS. This is a Ponzi scheme. I am asking for SPS to have there licence to operate to be revoked. and no longer do business. We are not going to have a XX/XX/XXXX mortgage event again.

I have copies of the XXXX they sent us for XX/XX/XXXX and the XX/XX/XXXX XXXX  that was reported to the IRS from SPS.

Thank you, XXXX XXXX
Consumer complaint received 2022-07-08
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-25
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)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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