davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (TN)

I sent an FTC report to XXXX also attached documents, XXXX  never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.
Consumer complaint received 2018-10-18
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. (AZ)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (CO)

I made a payment online on XXXX- I should have only been charged one payment-but the system charged me for 2 months. I contacted customer service immediately, the agent told me the second charge would be reversed, but to wait since that day was a holiday. I checked the next day, XXXX- and no refund had been received. I have called back every day since the XXXX and have been told that Advance America `` Treasury '' would reverse the charge. This has not happened, and I am again on the phone with Advance today, on hold while sending this notice on XX/XX/10. 
I was told by one of the staff at the store where I got this loan " You are not the first customer to
Consumer complaint received 2018-03-08
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. (NY)

Hard Inquiries on my credit report from XXXX - XXXX on XX/XX/2018 I closed credit account with a charge didn't authorized. 
Credit card closed account and removed the charge
Consumer complaint received 2018-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Total Card, Inc. (MO)

The XXXX XXXX XXXX called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
Consumer complaint received 2020-07-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By letter dated XX/XX/XXXX enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) continue to falsely imply that I defaulted on my mortgage loan as of XX/XX/XXXX, and continue to pursue an illegal foreclosure by falsely declaring the same, when at all relevant times : said claims of default in your communication and set forth within pleadings filed in Docket No. : XXXX contradict the claims of default as of XX/XX/XXXX made in Docket No. : XXXX, a true copy of the latter is attached hereto as Exhibit B ; said claims falsely imply that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and said claims deceptively conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor, true copies of which are enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX   XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Lastly, XXXX and PHH are withholding and not providing me with a monthly statement for my mortgage loan for the payment due as of XX/XX/XXXX. 
In closing, the conduct set forth above constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the XXXX XXXX XXXX on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Fraudulent Inquiries on Equifax : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I recently did a refinance of my existing mortgage in order to lower my interest rate ( and lower my monthly payment ) and to get cash out to pay down existing debt. As a result I was able to eliminate 3 credit card balances and a personal loan for a total of over XXXX dollars. 

On XX/XX/2020 my credit score dropped 28 points to XXXX which is where it stands as of today. This is inaccurate and I want my report to reflect such. I don't believe a 28 point drop accurately reflects the elimination of over XXXX in debt.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (CA)

I got a call from XXXX claiming to be an attorney wanting to serve me legal paperwork to collect an 11 year old debt that was charged off. I was asked to call back XXXX and when I did I was told I was being sued for theft regarding a Barclays credit card. I was also told that there would be a lien placed on any property I owned and garnishment of my wages unless this debt was immediately paid. They had my full name and last 4 digits of my social security number.
Consumer complaint received 2022-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MI)

Ruined my credit possibilities with this collection that doesnt belong to me. {$390.00} as of XX/XX/XXXX is reported from XX/XX/XXXX that I never received credit for.
Consumer complaint received 2022-02-15
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: DISCOVER BANK (NJ)

I the consumer had an account with Discover financial services. While having Discover I was not satisfied with their services and rescinded ( 15 usc 1635 ) the contract with them. By law, after XXXX  days of issuing them a notice. I was suppose to receive refund via check. They discovered cleared the balance and then issued a refund to my credit card balance and told me that the account will be closed after I withdraw the funds. When I tried to use the card they locked it and I was unable to withdraw my funds. I called them several times asking about this issue and a rep name XXXX said they will send me the check to the mailing location listed on file. I never received the check, I have an available balance on my credit card that I can use but im locked out of it. Discover has been charging me interest and late fees since the account has been closed and its canceling out my refund. I spoke with XXXX from the executive office who was rude and incompetent, refused to handle this matter and ignored the federal laws when it was brought up. I have the conversation recorded
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX, XXXX account # 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ARS following up from CFPB complaint # XXXX Im aware that your office received a cease and desist dated on XX/XX/XXXX and you continue to violate the cease and desist. 

UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE Inphynet XXXX XXXX, I DEMAND YOU DELETE THIS ACCOUNT! 

Under the Health Insurance Portability and Accountability Act of XXXX  ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

This will also serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 

You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$10
00.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (MI)

I have a line of credit/credit in the amount of {$1000.00} from Grain XXXX XXXX The only way to make payment to Grain is via their app. No website, phone or mail options. On XX/XX/XXXX I attempted to login and make payment. However the app required me to verify my identity by uploading a copy of my social security card. I uploaded a copy of my social security card on XX/XX/XXXX and the informed that it may take up to 5 business days to complete the verification process. After 5 business days with no response and still not being able to login to make payment, I emailed the Grain Support Team on XX/XX/XXXX after waiting patiently. An automated message replys that they apologize for the delay and will have someone get back with me. Still no resolution and assistance, I direct message Grain on XXXX. They respond immediately and again apologize and have XXXX email me on XX/XX/XXXX. XXXX suggest that I uninstall and reinstall the app. I did that several times and could not login. He asks for my operating system ( XXXX ) and says that XXXX get back with me. After not getting a responds within 3 days, I follow up via XXXX and email reply to XXXX. He replys with the same suggestion which I explained in detail to him with screenshots verifying I couldnt login. I then receive a credit monitoring alert that Grain reported me 30 days past due which is detrimental. I follow up on XX/XX/XXXX via XXXX with the same message sent to XXXX. They only respond with, we apologize, well have some follow up. I uninstall and reinstall the app on my own to try and resolve the issue and the XXXX XXXX XXXX says that the Grain XXXX app doesnt exist. I have emails and screenshots of all conversations and from the XXXX store if needed.
Consumer complaint received 2022-08-26
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-04-28
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 — Was not notified of investigation status or results
Company: AR Resources, Inc. (GA)

XX/XX/2018 I mailed in a certified letter to XXXX for AR Resources INC, requesting Debt Validation, and to be legally validated in 30 days from the date of the letter.
Consumer complaint received 2022-08-26
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-08-01
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-12-11
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: Tower Loan of Mississippi, Inc. (LA)

In XXXX of this year I saw 4 inquiries on my credit report by Tower Loan. I was shocked. I have never applied for a loan from Tower Loan, done business with them, never even stepped into one of their stores. I called and complained. My husband had applied for a loan and apparently gave them my info because I have better credit than he. I told them that was not ethical or legal. I did not authorize them to search my credit, I had not signed the application. I was told that they would write to the reporting agencies and have the inquiries removed. Each month I have had to call again about it. Over the last 4 months, 2 of the inquiries were removed but 2 still remain.

My husband has been borrowing money off and on to support his trading compulsion. These finance companies prey on people like that, offering greater amounts of money each time a loan is repaid. It is enabling his addiction. I wish they would close his account completely and no longer do business with him.