davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Management Incorporated (MA)

In XXXX 2016, I successfully disputed a debt that was claimed to be mine. I had no prior knowledge of this debt 's existence. The XXXX credit bureaus ( XXXX, XXXX, and XXXX ) found no sufficient evidence that I owed any debt to this particular agency. However, I am still receiving phone calls from an agent in an attempt to collect this disputed debt. 

My attorney and I have attempted to have this agent and their agency validate the debt and cease and desist all communications with me. We have been unsuccessful in reaching them by mail because all addresses that were provided by this agency are not valid. 

As of today, I am still receiving phone calls from unrecognized numbers and callers who are clearly associated with this debt and still attempting to collect it, but refuse to properly identify themselves. They are leaving cryptic voice mail messages, not disclosing their names or credentials, using intimidating and aggressive language, and are making threats.
Consumer complaint received 2020-11-10
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. (NV)

I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX Metro Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

A check for {$3700.00} was mistakenly mailed to Fidelity Information Services by XXXX XXXX and cashed on XX/XX/2020. This check was intended for a balance transfer to an account with another lending company ( XXXX ), but was mistakenly sent to Fidelity Information Services at XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The check was cashed on XX/XX/2020. However, the account number on the check is associated with my account with XXXX and should not have been cashed. I have attempted to contact Fidelity Information Services about this several times, but the customer services representatives were unable to assist me, nor were they able to direct my call to anyone who would be able to assist me. I just need to confirm whether or not this check was cashed by Fidelity Information Services, and if it was, I need the money returned. I'm working with XXXX XXXX as well on a separate case with CFPB as well. I am including a copy of the check.
Consumer complaint received 2020-11-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

This company has began to call me and they dont leave voicemails to state who they are or a return number. I dont answer unknown calls and it comes up on my cell phone as " spam risk ''. I found them by looking up the number online. They have called 13 times in the last 3 days. 
XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( sleeping ) XX/XX/XXXX - XXXX AGAIN ( sleeping )
Consumer complaint received 2020-11-10
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 have reviewed A copy of my consumer reports with Experian, XXXX and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX  in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

On XX/XX/2020 I received a court order by mail from the State Court of XXXX County State Of Georgia. It stated no request for an oral hearing. I have not received anything other than this letter on this matter. The file number is XXXX Plaintiff name is Tidewater Finance Company. I was not given any fair hearing and no info to respond to until now. There is something seriously wrong if I am being sued and the judge agrees with the plaintiff without my knowledge of this.
Consumer complaint received 2019-06-27
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. (PA)

I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Equifax and there are many fraudulent, unauthorized items on my report. Ive notified Equifax that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 6 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX-XXXX, XXXX XXXX. I repeat I did not authorize anyone at any time to apply for credit in my name. I demand these fraudulent inquires be removed from my Equifax report immediately. I also have reported to Equifax many times I have never had a school loan with XXXX College. This fraudulent account has been disputed and removed from every credit report but Equifax. If Equifax does not remove this fraudulent account from my report, I will be filing an action against them in federal court!
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (CT)

I receive a free XXXX  phone. when I changed companies they told me that the phone is not free anymore because I changed companies. the reason I changed companies is because my bill was getting to expensive. They said I couldn't return the phone but I never got anymore information. I thought this was cleared up. now I am receiving this big bill amount. I am on Social Security so if you work with me on payments I could try to pay.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MD)

I have a US Bank Focus Card from my employer. On XX/XX/XXXX the card did not work though I knew I had funds. I called and was told my account is now inactive pending a review by the XXXX team. I asked to speak with them and was told they have no contact for this team as they are completely offline. I asked how I resolve the issue quickly. I was told to fax my Social Security card and my driver 's license. I faxed the documents on the XXXX of XXXX. I called again and was told it can take 24 to 48 hours to receive the fax. I called again I was told that the fax was received on the XXXX but it could take up to 5 days for processing. I call everyday and get told that the XXXX team is still reviewing or have not yet as my card is still inactive. I received another deposit on the XXXX and my account balance shows the funds available but they still have not made my card active. I have called and emailed the corporate offices and received an email back yesterday ... umm ... that the XXXX that they would forward my complaint to someone who could help me. I just want to have access to my funds so I dont lose my home as my landlord needs his money and nobody seems to care that 2 weeks is to long without access to your own money. I will take my business elsewhere and get direct deposit changed but I need this resolved immediately so I can take that action. Please help me.
Consumer complaint received 2024-03-05
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. (TX)

FCRA Violations NOT mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7200.00} Status Account charged off. {$7200.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} XXXX Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1900.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off. 
not my addresses XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX not my inquries XXXX Inquired on XX/XX/XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-06-13
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. (TN)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

To Whom this may concern : I sent COMMONWEALTH FINANCIAL SERVICES numerous dispute letters and as of XX/XX/2020, COMMONWEALTH FINANCIAL SERVICES continue to report negative information to my credit report and I proof that my last dispute letter was received on XX/XX/2020. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit report ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX reviewing my consumer report from TransUnion reporting agency I noticed there was a unwarranted Inquiry on my consumer report from XXXX XXXX XXXX XXXX. This inquiry is unauthorized and impermissible and I XXXX XXXX the consumer has no open line of credit with this creditor. Before the CRA TransUnion can release the consumer report, the XXXX XXXX XXXX XXXX XXXX must certify to the CRA that it has a permissible purpose to obtain the report and that it will use the information in the report only for that purpose. The certification involves filling out a form provided by CRA TransUnion.
Consumer complaint received 2020-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (VA)

I pull my credit as XXXX XXXX service women in XXXX XXXX for 1st time in years on XX/XX/XXXX. I found out that my car that was repossessed in XXXX violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Santander Consumer USA had my account # XXXX that I purchased XX/XX/XXXX until they came in repo it XX/XX/XXXX was saying it place in Collection/charge off. I would like this item to be deleted off my credit report because it is put of the resolution to the settlement Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted by the Attorney Generals Office. 

As a consumer I fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.

The Attorney General 's Office have told me to send the respond to them if they don't resolved this matter.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance Collection Agencies, Inc. (WI)

I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.
Consumer complaint received 2016-12-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Courtesy Finance LLC (TN)

We were in the process of obtaining a consolidation loan from another financial institution. We told XXXX XXXX [ who the installment loan is with ] about this consolidation process XXXX times. We finally got a closing date for the consolidation loan and called XXXX to obtain the installment loan 's balance. We were told we could not get the payoff over the phone [ they gave us a balance on the accounts ] that we would have to go in. We went in to get the payoffs and gave them the date we thought we needed the payoff amount to be. They printed out the payoffs. Our consolidation loan closed 2 days after the payoff amounts were good for. The day after the date the payoffs were good until, XXXX of XXXX 's [ his name is XXXX ] employees came to our home ... to " scope things out ''. My partner approached him and she told him that the consolidation 's closing date was the following day. He was condescending, telling her that we had " promised '' to pay off the installment loans on the date we asked for the payoff amounts. He also asked " what car titles '' his company held [ they were never given auto titles ]. 

Prior to his coming out to the house, they would call our phones up to XXXX times daily. 

I was also dealing with another installment loan company that was the TOTAL OPPOSITE of this XXXX. They documented each time we called concerning payoffs, the original closing date and the new closing date. No complaints for them.
Consumer complaint received 2023-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

My daughter became 100 % XXXX and is on XXXX and can not afford the debt. I am now XXXX years old and retired and live only on XXXX XXXX and some odd job income and I can not afford the debt. We were way behind on payments and agreed to pay a reduced balance of {$1500.00} at {$300.00} a month for 5 months, but every month we still get DEMAND letters asking us to pay the entire balance of the loan off. 

I have contacted the collections department and told them we are in a payment plan with them and they should know this and stop sending demand letters because they are harassing us and I think it is a violation of the Fair Debt Collections Practices Act. They told me they would fix it in their system so we would not get the letters anymore but we're still getting them. 

These people contacted all of my neighbors by telephone before I agreed to this payment plan, and they claim they were just asking if we still lived here. But every one of my neighbors told me they were calling because they were trying to collect a debt from me. I had to explain to them that my daughter was XXXX  and was unable to pay her college loans and that was what it was about. Everyone just blew it off because it was college loans, but again, these people are out of control in attempting to collect debts. 

For what it's worth - I worked in the credit industry for 23 years and we would never have done some of the things these people have done.