davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: World Acceptance Corporation (GA)

I was contacted by my aunt, someone XXXX dont have regular or consistent communication with, to say a company who refused to identify themselves to her said they were looking for me. They asked my aunt for my number, and when she refused out of safety for me, they informed her that the listed claimant has now been officially served, only after giving my aunt a phone number to call and a claim number. She called me and i called the company who said they are XXXX XXXX XXXX, acting as a debt collector for the company, World Finance. They informed me that if I didnt pay them {$320.00} for a debt they collected that was over XXXX XXXX XXXX, they would sue me for breach of contract and intent to defraud, as well as be liable for all attorney fees as well as over {$500.00} for the actual debt. I requested my original and signed contract to be mailed to my address, and the representative refused, saying i dont need to do that since I sent it to the previous address on file. The previous address he listed not only was wrong, but had burned down 4 years ago as well. To this moment, I still dint know how or why they would have contacted my aunt, essentially breaking my right to privacy, when she was NEVER listed as a reference for the original account with World Finance.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original Creditor : XXXX 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 a account without my written instructions
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (WA)

I started receiving text messages that I owed a company called XXXX a small amount of money. I had never heard of the company before and disregarded the text messages as spam. Then, I recently had credit pulled to buy a car and noticed my score was lower than I expected. I then pulled my own free credit report and discovered the account which I did not recognize. I then formally complained to Experian and two other credit agencies, and Experian 's investigation determined that the account that had been opened was verified as accurate! Which is not correct! Again, I have no idea who XXXX is and have no supporting documents to provide since I've never done business with them. My credit report with Experian is incorrect and Experian 's investigation has not corrected it.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (MN)

I purchased a XXXX phone on XX/XX/XXXX that was financed through XXXX XXXX / TD Retail Card Services account # XXXX. I immediately began making the required payment of {$18.00} each month that my bank shows was paid prior to the XXXX of every month. At no time did TD Bank provide me with an account statement. 

Around XX/XX/XXXX I received notice by US mail that my account was past due about {$100.00}. I immediately contacted TD Bank and was informed that what appeared to be an error on their part the XX/XX/XXXX payment appeared late and therefore TD Bank had been assessing multiple late fees every month since. 

TD Bank agreed to waive all late fees and I paid the balance of {$200.00} in full. 

I then contacted TD Bank to learn that there was a mysterious balance of about {$4.00} remaining on my account and asked for an accounting. I have submitted two written requests and  received no response. 

In addition, I've requested that TD Bank remove the derogatory information they placed on my credit reports. Again, despite verbal and written requests, I have received no response.
Consumer complaint received 2022-02-17
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ROBINHOOD MARKETS INC. (NJ)

There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

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 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

On  XXXX   XXXX   XXXX  was notified that i was closing my accou nt of 10 yr s. and switching over to  XXXX  for a much lower price. On  XXXX   XXXX  I called  XXXX  to get the balance owed on my account.My bill was always due on the  XXXX  of the month so I called a few days early. The agent gave me a final bill of  XXXX  with a confirmation number of  XXXX  and I paid it over the phone.It was deducted from my checking account. About a month later I received a bill saying I owed  XXXX . I immediately called  XXXX  and told the agent I already paid t he balance.She sai d because I kept my same phone number, I owed the money, I told her she made no sense, everyone is allowed to keep there same number., A month later i received another bill for the same amount. I called again and got a different reason why I owed the money, that because I paid the bill on the  XXXX  of  XXXX  I still owed the last few wee ks of  XXXX .I t old them they made no sense.I wrote to their main office in Ohio explaining what was happening, and that I didn '' t owe  the money.Yesterday I  received a bill from a collection agency ca lled Convergent.I do not want my credit marred by this. I have worked hard to keep my credit good. I would appreciate whatever you can do to resolve this matter.
Consumer complaint received 2022-10-12
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

We have a mortgage with RP Funding Inc. We received an Annual Escrow Account Disclosure Statement on XXXX stating that we had a surplus in our escrow account in the amount of {$890.00}. The statement said if the check wasn't enclosed with the statement then they would send a check out within 30 days of the date on the statement. 

On XX/XX/XXXX I contact RP Funding because I didn't receive the check yet. They told me it wasn't mailed until XX/XX/XXXX and that it could take 14 business days to receive it. We received the check on XX/XX/XXXX and deposited it via the ATM at our bank on XX/XX/XXXX ( my husband tested positive with XXXX  XXXX so we could not leave the house until the XX/XX/XXXX to deposit the check ). 

Today we received a letter in the mail from our bank that RP Funding stopped payment on the check we deposited on XX/XX/XXXX. Today we also received a letter from RP Funding stating they stopped payment on the check and that they would reissue a check within the next 15 days. This is not right. We were charged by our bank for the check being returned and we need the money now. It's our money. We tried to get them to overnight a check and they would not. We asked for a copy of the check they sent out supposedly on XX/XX/XXXX but they said they didn't have a copy .... 

We want our money not lies. They lied to us several times already. They almost made us bounce items because they stopped payment on the check for NO REASON. 

Please help us we need the money now.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe XXXX {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by American Coradius International LLC. 

I went out to XXXX and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used XXXX for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX
Consumer complaint received 2022-07-07
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. (CA)

I have requested an investigation on my credit report from the EQUIFAX, XXXX and XXXX regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.
Consumer complaint received 2021-06-14
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: U.S. BANCORP (MD)

I had a fraudulent charge on my account form XXXX  online for {$230.00} on XX/XX/2021 I file a dispute the same day describing my account is fraudulently charged and I was told there will be a credit but on the letter they sent me XXXX XXXX the transaction was not billed and they closed my dispute on the contrary they charge me for the same amount {$230.00} I would like to get the fraudulent charge off my account specially the customer service personnel I talk to XXXX and his supervisor XXXX were very rude and lack knowledge even if I waited for a month without resolution they want me wait another month
Consumer complaint received 2021-04-15
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. (CO)

Experian and XXXX should not be reporting duplicate Bankruptcy accounts on my credit report. ( Please see page attached. ) The Bankruptcy was previously filed as a Chapter XXXX and was discharged under Chapter XXXX. This false reporting of this account is seriously harming my credit score and both of these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

NCB MANAGMENT SERVICE ACT # XXXX BALANCE XXXX I AM REQUESTING THE VERIFCATION OF NEGATIVE ITEM, IN PURSUIT TO THE FAIR DEBT COLLECTION PRACTIES ACT, 15USC 1692 SEC.809 ( b ). YOU ARE REQUIRED UNDER THE ABOVE NAMED TITLED AND SECTION, TO SHOW YOUR LAWFUL AUTHORITY TO COLLECT ON AN ALLEGED DEBT CLAIM ; I AM REQUESTING THE FOLLOWING ITEMS : - THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR - A COPY OF THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORIGINAL CREDITOR -THE ORIGINAL APPLICATION FOR THIS ACCOUNT WITH MY SIGNATURE - A COPY OF THE AGREEMENT AUTHORIZING YOURCOMPANY TO COLLECTED ON THEIR BEHALF OF THE ORIGINAL CREDITOR - FULL DETAILED ACCOUNTING HISTORY ON THE ACCOUNT AND CALCULATIONS ON HOW THEY REACHED THAT AMOUNT OWE - PROVIDE VERIFICATION ON ANY JUDGEMENTS CONNECTED TO THIS ACCOUNT - PROVIDE YOUR LICENSE TO COLLECT IN MY STATE AND YOUR REGISTER AGENT NAME WITH THEIR ADDRESS- PLEASE SHOW PROOF THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED IN MY STATE FOR THIS ACCOUNT -PROVIDE THE DATE OF THE LAST PAYMENT ON THIS ACCOUNT. 

PLEASE PROVIDE THE ANSWER TO THIS REQUEST IN WRITING WITHIN 15 DAYS OR I WILL BE FORCE TO TAKE LEGAL ACTIONS THANK YOU FOR YOUR COOPERATION XXXX XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

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 a account without my written instructions Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

I have been attempting to clarify what documentation is available should I choose to make a one-time payment to satisfy the requirements of the XXXX Maryland student loan debt relief tax credit. I have called FedLoan Servicing on multiple occasions but have not been able to reach a representative in a timely manner on any attempt. Additionally, I sent an email on XX/XX/XXXX ( wording attached ) to determine if proof of payment documentation would satisfy the requirement. I have not received any response. 

I am simply trying to confirm whether if I made a one-time payment if I would receive documentation that included all of the following : 1 ) the lending institution 's name pre-printed on the document, 2 ) the full name of the borrower pre-printed on the document, 3 ) the dates of the payments must be dated any time after XX/XX/XXXX to the present, and 4 ) the dollar amounts of the payments ( principal and/or interest ).

I am extremely concerned about my inability to reach anyone at FedLoan given they will be closing for good soon. There are still a lot of questions I feel need to be answered and would appreciate a response so that I have the information required to feel comfortable making a payment right now and that I am confident I will receive documentation that will allow me to clear my tax-related liability.
Consumer complaint received 2022-12-03
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX VIII. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (AK)

The debt collector is attempting to collect a debt for a truck that is not my account. Her name is XXXX XXXX and her phone is XXXX XXXX. When I call her back to tell her that this is not my account she asks for the number that SHE is calling. I do not know what number she is calling so I give her the main number to my place of work so she can remove it. That number does not come up in her system so there is nothing she can do. I keep getting calls from her and it is embarrassing and harassing at my professional medical office. This is not my debt and they have the wrong person but she has no way to remove me unless I can tell HER THE CORRECT NUMBER THAT SHE IS CALLING. This seems wrong to me.
Consumer complaint received 2022-12-03
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.