davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (TX)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have been trying to ask for a verification the the debt they claimed I owe for {$360.00}. National Credit System never even bother to respond to me even when I sent them a letter that they received on XX/XX/20 with tracking number XXXX! It has been a year and they never responded to my mails. I have been sending them a mail and according to my research online they need to respond and validate the debt. I am so tired of sending letters. Help me with this matter.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called Paypal and XXXX and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/2021 I called Rash and Associates ( a XXXX collection agency ) to dispute an account that was a result of Identity Theft. This account is having a negative impact on my credit report and creating a very challenging situation for me to get certain loans. 
On XX/XX/2021, WITHOUT MY CONCENT Rash and Associates performed a Hard Inquiry that lowered my Credit Score. This is not acceptable and must be removed.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CO)

On XX/XX/2021 I made a Principle Payment Only of {$250.00} towards my account balance. 2 days after my normal payment was taken out and processed. I've done this before and familiar with the 72 hrs it may take to show on the account ledger. It's now XX/XX/2021 and the ledger still reads normal payment of {$250.00}. I'm charged a daily interest rate on my Principle Balance which is NOT accurate as of XX/XX/2021. This company is stealing money from me. I have called 3 times as well as sent emails and even talked to 3 different reps who've claimed to submitt tickets for the change. I'm doing my part and paying my bills during this pandemic the least they could do is process my payments accordingly.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Company = Portfolio Recovery Tel # s : XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX I have had at least 50 phone calls from these people over the past 6 months. They never leave a message, and on the numerous occasions I have answered the call, no one responds. The last phone call i had from them was today, XXXX XXXX, at XXXX. 
I finally called them back today at XXXX, and asked them to remove my number from their database, they said they could n't do based on phone number alone, and asked for further personal information, which i refused to give them. The person i spoke to was called XXXX XXXX, a manager. 
Other than a mortgage that is very much up to date, i have NO debts. 
Any help stopping these incessant phone calls would be much appreciated.
Consumer complaint received 2022-01-27
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. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

This company was disputed few months ago, then they abruptly closed the account. Now, they are reporting account is 30 days late. How can I be late on an account that is closed. The company is reporting wrong information as I have not used this store card.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I have filed a direct dispute with Experian.Experian failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue Experian And XXXX for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also XXXX failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had closed my credit card with Bank of America X/XX/2017 # XXXX due to someone hacked into my credit card. After closing my account, Bank of America were allowing money laundering activities to take place in my closed account. 

Up to about {$10000.00} telephone transfer was deposit into my account and similar amount rejected or send back to someone ( I do n't know to who ).  Bank of America have not stop these activities nor block my account at all. 

XX/XX/XXXX - {$1000.00} deposit/withdraw XX/XX/XXXX - {$1000.00} deposit/etc. 
XX/XX/XXXX - {$200.00} deposit/etcXX/XX/XXXX- {$1100.00} deposit/etc. XX/XX/XXXX -XX/XX/XXXX {$1500.00} deposit/etc.XX/XX/XXXX - {$1800.00} deposit/etc.
XX/XX/XXXX - {$1700.00} deposit/etc.
On X/XX/2017, I had emailed " XXXXXXXXXXXX ' '' to resolve fraudulent activities/money laundering. I had received zero response from XXXX. 

XXXX, After closing my checking account AND my credit card account, there are continuous Suspicious Activities occurring in my closed credit card account which I am NOT responsible for because the credit card account was already closed. 

Please STOP allowing my CLOSED ACCOUNT to act as a vehicle for money laundering activities immediately. 

Please track all the telephone transfer going into my account as Suspicious Activities - they are NOT MINE. 

Any withdraw leaving out of my account going to any 3rd parties checking are Suspicious Activities - they are NOT MINE. 

Please reference that these were Bank of America internal controls at fault, not catching closed credit card activities and allowing for repetitive deposit and withdraws into and out of a closed credit card account - they are NOT MINE. 

Due to the credit card account was hacked, I had already reported the account was to be closed. Did BofA monitor the hacked account and activities? I had received half a dozen correspondence of deposit and withdraw after a closed account. 

As these are in the tunes of over $ 5,000+ ... NOT my activities, I am holding BofA liable in allowing my closed account to be used to conducting criminal activities and money laundering. Please respond by Tuesday XX/XX/XXXX close of business that I am not responsible for all activities in and out of my account after the account was closed or I will report this to CFPB and OCC. - XXXX XXXX On X/XX/2017, after I had received the {$1700.00} deposit into my closing account, I had called BofA again, and no one was able to access my account in the fraud department ( OMG ) and no one was not able to help me after transferring me. Please shut down BofA for wire fraud/mail fraud/money transfer fraud and release me from any liabilities as whistle blower. XXXX
Consumer complaint received 2015-04-23
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Finance LLC (DE)

Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion date : XX/XX/21 Transunion was very rude when I called about my unauthorized inquiries on my credit report that I did not authorized. I really need your help in resolving this issue. Transunion seen to be no help and didnt care about what I needed to get fixed.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Time barred on my debt is now 5 years and I have made several attempts requesting it now be removed from my credit report. The creditor re-started the date to XXXX after my request for removal from my credit report since the statue of limitations has ran out on collecting or suing me. Every attempt I have made is being said valid and it stands and I don't understand how when the debt occur XX/XX/XXXX but on my credit reflects XXXX as it recent and that is untrue. I just want it removed and I'm tired of going back and fourth with the collection company. Can you please help? they are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

on XX/XX/2021 payment was made online using my routing number and checking number saved in their system. 
on XX/XX/2021 did the same online payment and they say the bank rejected it because of the account number. I just checked and it is now wrong!! it wasn't wrong last month..!! they added an extra number in my account number making it WRONG. 
The only way to get hold of them is a XXXX number that says the call can not be completed at this time. No email address... 
Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-05-18
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. (VA)

On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Southwest Credit Systems, L.P. (LA)

This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. 
This COMPANY IS XXXX and they were paid off in full. 
My name is XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2022-01-27
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. (NC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-04-12
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 called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXXXXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.
Consumer complaint received 2021-05-18
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. (FL)

This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My wallet was lost around XX/XX/XXXX In XXXX Tx, my XXXX card was used on XX/XX/2021 for {$210.00}, my XXXX XXXX card was used for {$160.00} and {$360.00} was used from my checking account with fifth third bank. I have disputed all charges with all three consumers however XXXX and fifth third bank rejected my disputes due to my cards being used. I tried explaining yes my cards were used because my wallet was found and whoever found it used the cards. Im unsure as to how they used my credit cards without an ID to match the card and the pin to use my debit cards however thats {$740.00} taken from me and Id like all the assistance I can get to get my money back.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.
Consumer complaint received 2015-04-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P. (NY)

Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase has now resorted to using the same practices that XXXX  XXXX XXXX was fined for. They are lumping deposits together in such a way that they suddenly hit your account, without any warning. They are hiding deposits. They are showing deposits as having been deposited on a certain date and then retracting them.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Dear Sir, Last 20 years I'm suffering a lot of problem from Debt collectors ( Midland Credit ) and Credit Bureaus. I have used only One name ( first middle last ) in my hole life but every few years some debt collector and credit Bureaus Add some different name ( someone else which I don't know ), address, phone number to my Credit Reports. Last 15/20 years whenever Credit Bureaus adds Someone's name in my credit report, my credit scores go down and my credit card APR go High. sometimes 29.99 %. when APR is 29.99 % every month my 6/7 credit cards charge me almost {$500.00} every month, sometimes more then {$500.00} every month. I'm a low Income person and If I'm paying {$500.00} Interest every month, how I will get out from my credit cards? Today XX/XX/XXXX XXXX in my credit report have four different names include my name and seven different phone number which is not mine. Last 2/3 years I'm having a lot of financial problem and I'm in Pandemic Unemployment since XX/XX/XXXX till now. I do have four people in my family and I know that, Million Million peoples are Struggling in this pandemic. So, please help me to have only my name in my credit report. Thank you
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.