davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it.
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Consumer complaint received 2022-10-10
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. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I contacted XXXX and Equifax and informed them that there were fradualant inquires on my credit report. The bureau 's and fraudalant inquires are as follows : XXXX- XXXX : Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX Inquiry DateXXXX Equifax- XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 2021-06-13
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. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Consumer Adjustment {$1400.00} XX/XX/XXXX I have never been to Louisiana somebody use my Identity to get services there please remove this from my credit report
Consumer complaint received 2021-04-15
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: FC HoldCo LLC (IL)

I contacted XXXX  to remove 6 late payments that were unlawfully added to my credit report by Flagship credit acceptance. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (NJ)

I received a letter in the mail dated XX/XX/21 from a collection agency, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ with the following information : CREDITOR : M & T BANK FEES : {$50.00} TOTAL BALANCE : XXXX CHARGE OFF DATE : XX/XX/2021 it stated the above referenced creditor has placed your account with our office for collection, blah, blah blah. I am appalled, M & T Bank has been my bank for years and I had my mortgage, checking, line of credit, visa card, etc. with them and never late, never missed a payment, paid early, everything right and they send a collections letter for {$51.00}!!!! 

I contacted the branch office in XXXX, NJ around XXXX Monday morning and got a representative named XXXX that said she would research this and get back to me, and she did at XXXX. XXXX asked if I wrote in to cancel the account, I told her that I did not recall writing in to cancel when I paid off my mortgage and paid off my line of credit, my Visa card is still open with a XXXX card balance. XXXX then said there was nothing she could do for me because the bank did nothing wrong, the charge was a service charge because the checking account was attached to the line of credit and needed to maintain a certain balance to be service fee free, of which I was not made aware of at the time, I even forgot about and if I was told this was all during COVID time and told her I would have asked to close all accounts. XXXX said I would have been told that the checking I would need to come in or write in and have the letter notarized although the other accounts were closed on-line, not their fault so a service charge was added and I needed to pay it. 

XXXX said she would " Bubble it up! '' and pass it along, not sure what that meant but I told her I would pass this complaint on myself and she said. " okay, that's fine '', I said even after I've been an exemplary customer, spent thousands of dollars with M & T, never late and this would mess with my credit you just wan to say, you will " Bubble it up! '' What does this mean? I said I will just complain to the CFPB, she did not care and we hung up. t 's sad when a bank doesn't care about a thousands of dollars customer and will send them to collections for {$50.00} and mess with their credit even during COVID times. What have we come to and it's fees for something that I don't even own or did not make for myself, they added the fee!
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (VA)

I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. 
I am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. 
I consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. 
Is there anything that can be done to stop this predatory practice?
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (NJ)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Management Cntrl. for committing identity theft. I have never given Credit Management Cntrl. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collecting activity, of this and any alleged debts until Credit Management Cntrl can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management Cntrl. continues its collection efforts, I will file for litigation for actual damages caused by Credit Management Cntrl. will be held criminally liable for aggravated identity theft pursuant to 18 UCS 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon this receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TX)

Discover XXXX XXXX has called my partner now my father over a dozen times over my account. I have spoken to them about this issue but to call someone over a dozen times ; XX/XX/2021, about another persons account is harassment. I have told them that I only have one phone number and confirmed that I can only be reached at that phone number. For Discover XXXX XXXX to call someone who is not the account holder over a dozen times in one day is absurd.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have tried numerous time to resolve the issue with the mortgage lender directly and are denied with a reasonably explanation. The issues for default were out of my control due to loss of income, separation, and then later covid 19. I had to resort to bankruptcy and and was making payments under XXXX  XXXX plan until covid happened and I was unable to maintain all payments current.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (OH)

Hello, AArgon collection is reporting that i owed {$680.00} on bureaus. I sent validation letter on XX/XX/XXXX to the address on file ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ). The letter came return. I concluded that they are reporting wrong address on my report so it need to be deleted. 

After doing some researches on XXXX, I found a new address ( XXXX XXXX   XXXX XXXX, XXXX XXXX, NV XXXX ). I send them a second letter on XX/XX/XXXX ( received XX/XX/XXXX ). I got a response sent to me onXX/XX/XXXX and I got it on XX/XX/XXXX.They failed to validate the debt, they did not send me a contract with my signature stating that I have an obligation to pay Aargon Agency XXXX 

I sent a 3rd letter on XX/XX/XXXX, they letter was received on XX/XX/XXXX. I request a validation of the debt again or simply Deletion of the derogatory item. On my report the account is now showing " closed '' instead of a deletion. I am requesting this item to be removed from my report for no validation. 

Also the amount report on my credit report is {$680.00}, in the letter the send me the amount $ mentioned is XXXX. This is an inaccuracy and is wrong reposting on my report. I am requesting a deletion of this item.
Consumer complaint received 2022-10-11
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. (SC)

There are reportings of an inaccurate balance on XXXX  accounts that have been closed and charged off since XXXX of 2019 and XXXX of 2019. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these XXXX accounts are inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Consumer complaint received 2024-03-07
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. (FL)

Complaint Regarding Unauthorized Promotional Inquiries by TransUnion.

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against TransUnion for their failure to address my concerns regarding multiple unauthorized promotional inquiries listed on my credit report.

Despite my efforts to resolve this matter directly with TransUnion, I have not received any response or acknowledgment of my inquiry, which was sent on XX/XX/XXXX. 

Details of the Complaint : On XX/XX/XXXX, I sent a detailed letter to TransUnion expressing my concern over multiple unauthorized promotional inquiries on my credit report, obtained on XX/XX/XXXX. These inquiries raise significant privacy concerns and potentially violate my rights under the Privacy Act of 1974 and 15 U.S. Code 6801, which mandates the protection of nonpublic personal information. In my letter to TransUnion, I requested detailed information on each entity that made these inquiries, clarification on how these entities were permitted to access my credit information, immediate removal of these inquiries from my credit report, and a financial remedy for these violations. To date, I have not received any form of response from TransUnion. Desired Resolution : I am seeking the CFPB 's assistance in obtaining a prompt and thorough investigation into these unauthorized promotional inquiries, the removal of these inquiries from my credit report, detailed information on each inquiry as previously requested, and a financial remedy for the violations identified. I expect TransUnion to adhere to federal laws regarding the protection of consumer information and to implement measures to prevent such unauthorized access in the future. Enclosed with this letter are copies of the correspondence sent to TransUnion, and copies of the credit report showing the unauthorized inquiries. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and assist me in resolving this matter satisfactorily. Thank you for your time and attention to this issue.
Consumer complaint received 2021-08-23
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: JPMORGAN CHASE & CO. (FL)

I purchased furniture with a Chase card on XX/XX/2021 in the amount of {$5700.00}. As of today, XX/XX/2021, the furniture has not been shipped nor is the company returning my phone calls. I initially disputed the charge in early XXXX after non response from the furniture company. I received a letter on XX/XX/2021 that was dated XX/XX/XXXX from Chase, stating that I needed to provide additional documentation by XX/XX/2021. Since the letter is mailed 3rd class, I did not receive until XX/XX/XXXX, impossible to respond within 7 days. I subsequently uploaded the information to Chase secure website ( which I am attaching below ) stating that the furniture was never shipped with supporting documentation on XX/XX/2021. After numerous calls and letters, latest also being attached from XX/XX/2021 stating under review, I called Chase today and was told that the case was closed now due to timing and nothing I can do. Stating they reviewed information and I did not respond in the time frame. The bottom line is the company has never shipped the goods, Chase in terms of what they received ( also attaching ) has nothing that has a signature or verifies that shipping occurred. I hope you can assist me in this problem.
Consumer complaint received 2021-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (PA)

My wife XXXX and I took out a personal loan last XXXX with One Main Financial and decided to take out the insurance for unexpected loss of our job. This XXXX I lost my job and put a claim on my insurance. The insurance stated that I need to get a written statement from my employer and the state unemployment office in order to use the insurance. When I explained that I am not able to get either my old employer or the unemployment office to fill out any paperwork they then told me that I needed to send them my financial determination to them from the unemployment office. I sent them the financial determination letter and the claim worksheet process that I received from the state of New Jersey. They sent a letter back and stated that this does not qualify for unemployment and that they wanted to see either my bank account statement showing deposits being made or a print out from the state showing that i am getting unemployment. Since we are in a pandemic and unemployment is so backed up, I am not receiving any unemployment money at this time. If i was receiving unemployment I would not be using the claim because i can the payment. After this I canceled the claim from One Main and told them that I would like a refund of the unused insurance. They proceeded to tell me that when I cancel the insurance, that the money would go directly to paying the loan. My loan is not late nor is it default and when i talked to the One Main office branch in XXXX PA I was told that the insurance money would be refunded to me.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PNC Bank N.A. (FL)

First of all, how did I end up with this PNC bank. I did not open an account or credit card with PNC. I have a credit card with BBVA. However, I closed my credit card with BBVA XX/XX/2021 and paid the entire balance. I only have XXXX bill going to BBVA that is why I closed this credit card. I have no Idea that BBVA bought by PNC all of sudden XX/XX/2021 I have received a statement from PNC that I have a balance of {$94.00}. I called PNC at least XXXX times. I spoke to different customer service people and they can't figure out why I have a balance. It's so frustrating, what a nightmare! I spoke to their dispute department several times in XX/XX/2021. I explained to them the entire scenario. They told me that they are going to submit my dispute but then it's just going into a circle nobody 's working on it. I wish PNC will go out on business.I keep receiving a lot of emails & text from their collection debt dept. this is not fair to me that i have to deal with this issue. XXXX  XXXX  XXXX  PNC!