davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (MT)

This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the Exchange Credit Program ( Military Star Card ). 

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX ( XXXX ), a debt collection agency to which the Exchange Credit Program had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XXXX, I contacted XXXX regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' XXXX 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted XXXX again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the Exchange Credit Program for {$40.00}. On or around XX/XX/XXXX, I received a check from the Exchange Credit Program for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the Exchange Credit Program, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have made numerous attempts to get my credit report over the telephone from the Equifax company. They confirm that I do not have any freezes or blocks. On the most recent attempt, they asked me to send a request in writing, along with identification. On XX/XX/2020, I sent a request to receive my credit reports. I have numerous errors on my credit report with the other bureaus, so I have to assume they show on Equifax also. I sent a formal report listing all of the accounts I believe to be an error. This past week, I sent another request, identifying several collections creditors that have not answered my validation requests in terms of the law. These items must be deleted. My complaint with Equifax is the following : 1 ) I'm still requesting to see a complete copy of my credit report and have yet to receive. 
2 ) I've received no answer from them about the errors I believe are being listed on my credit report. 
3 ) I now have several collections creditors that are in violation of the law, so I've requested to have these accounts deleted. 

I'm doing all of this blindly, from what I believe is on my credit report. Is Equifax still in business? Are they no longer required to follow the law? Why am I the only American that can't see my credit report.
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/2020 I contacted Midland Funding via certified mail about a frivolous alleged debt they are reporting a collection on my credit file to the credit bureaus. I requested that they send me documentation/contracts with my signature on it, To verify this debt is mines. The {$600.00} they say I owe is frivolous, I have never did any business with Midland Funding. 

After contacting Midland Funding about this matter twice by certified mail, I started receiving personal phone calls from their customer service agents early in the mornings and afternoons about this debt. 
Midland funding haven't provided me with any proof of documentations with my signature acknowledging that I have a contract with them. I never purchased or borrow anything from this company. 
This is a clear violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!!!!
Consumer complaint received 2018-05-01
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. (NY)

Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Group & Associates LLC (CA)

This company keeps calling me and whoever answers she gave them birthdate address and social security number. Regardless of who is on the phone. This information should be protected. I have asked them if I have a contract with them and they refuse to answer saying she will take legal action against me.
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc. (CA)

No support when they abruptly close my account for no reason, the funding bank that sent me XXXX $ is saying it wasn't returned by Revolut and another transfer that I sent to another account I own is also missing of {$2500.00}, I have requested tracking numbers and can't get a straight answer. I'm missing this money And I have nothing left they took all my money.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (DC)

on XX/XX/XXXX made a {$170.00} digital gift card purchase from pay pal to make a {$160.00} XXXX   purchase from XXXX XXXX  an online sale of XXXX XXXX. on XX/XX/XXXX i contact XXXX XXXX only to find out that pay pal did not process the digital gift card at which point i demand a refund which paypal refused stating no refund on gift card i purchase this card for the sole purpose of a transaction with XXXX XXXX since its pay pals negligent in processing the transaction. digital gift order # XXXX Amount {$170.00} case # XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

Disputed with the company since XXXX of last year. This account is not associated with me. I have been fighting this account since it showed up my report. This account is making it hard for me to obtain credit wise because its reporting negatively. I have reached out to the bureaus in regards to this. I have disputed it and nothing is done.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I called in XX/XX/XXXX and wrote a letter in XX/XX/XXXX asking NewRez to stop charging XXXX XXXX since LTV is approximately 65 %. They continue to use a home value less than half ( $ XXXX versus $ XXXX ) of current value, and even less than initial value of $ XXXX when purchased in XXXX. They should refund all insurance money since LTV was under 80 % several years ago, and not ask me to provide them a new appraisal which cost a lot of money. 

Called again in XX/XX/XXXX, and they won't fix it!
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MT)

This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

On or around XX/XX/XXXX, I contacted Transworld Systems , Inc. ( TSI ), a debt collection agency to which the XXXX XXXX XXXX had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XX/XX/XXXX, I contacted TSI regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' TSI 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted TSI again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the XXXX XXXX XXXX for {$40.00}. On or around XX/XX/XXXX, I received a check from the XXXX XXXX XXXX for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies XXXX and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2021, I was paid {$1200.00} from XXXX via PayPal. Tracking # has been provided, and delivery confirmed. PayPal is still REFUSING to release my funds to me! They're not being cooperative or helpful in any way.
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. 

On XX/XX/ a cfpb complaint was submitted for validation of documents, on XX/XX/ the company responded but did not provide any documents that i asked for. This must be removed from my credit report because they couldn't validate. 
( Chain of custody ) ( Purchase agreement ) ( Swear under penalty and perjury you were present during the alleged debt ) ( Master Bill of Sale )
Consumer complaint received 2022-06-16
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. (NJ)

I received an alert from my credit card company stating that my score had decreased due to an account reporting a write-off in my name to the credit bureaus. I completed the dispute process since I had no knowledge of opening an XXXX XXXX credit card. I received the results of the investigation done by Experian and no changes have been made and additionally stated that the information is correct.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX AZ Account/Reference # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
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)

Dear CFPB Agent, I've been noticing changes in my credit report that are not accurate. there is a company in particular that reported in XXXX different occasions and I don't recognize or authorized. 
XXXX XXXX XXXX XXXX has posted XXXX inquiries the first on XX/XX/XXXX, second on XX/XX/XXXX and the third on XX/XX/XXXX. please help resolve this issue. Thank you.
Consumer complaint received 2022-06-16
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: CORELOGIC INC (NJ)

Yesterday, XX/XX/XXXX, I applied for financing a vehicle and today my credit report is showing 3 new hard inquiries from yesterday : One from XXXX XXXX auto finance and 2 from CREDCO. Clearly the car agency run my credit twice in a row with Credco by mistake and now it's showing one extra hard inquiry on my credit report.
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

The caller is XXXX XXXX from XXXX XXXX. They call multiple times a day leaving voicemails stating they are coming to my home to serve me if I am not there they will come to my job. I told them to send a letter to prove I owe the debt and I will be willing to settle if indeed I owe this debt. While I do know at one time I had a loan with Cash Central,  they responded saying they have nothing on file for me. I asked if they sold a debt of mine to anyone and they never responded. XXXX XXXX from XXXX XXXX  refused to give me an address or a valid company name. There is no XXXX XXXX litigation company when I search online. The number they call from is XXXX. They go through the whole long voicemail about how they are coming for me.. at work.. at home.. with a uniformed officer. I have all of the call records and voicemails to prove it. They tell me to call XXXX. They say they sent me something 45 days ago. I said please email me or mail it to me because I did not receive anything. She said she cant because they already sent it! I am so done with these scamming collectors who violate all the laws! I will be reporting every single one and saving all of my evidence!
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I accessed my Experian credit report on XXXX XXXX 2018, around XXXX XXXX EST. I was offered the chance to purchase XXXX and XXXX report as well, for XXXX. When I tried to print out a copy of the report, I received the following message : XXXX XXXX XXXX. The service is unavailable.

I called the company at XXXX XXXX and spoke with a representative. I asked the representative to please refund my money as I could not print the reports. The representative was rude, refused to refund my money saying that " you had agreed to the terms when you agreed to pay. '' I asked to speak with a supervisor, the representative instead hung up on me. When I tried to call back, the recording said the company was closed.
Consumer complaint received 2023-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

This is a complaint against Equifax and XXXX This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXX XXXX XXXX  ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from equifax, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX  accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company they have to protect us/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the three credit companies/ but I feel that this does not stop the criminals who want to continue robbing me blood, this whole identity theft case has me completely unprotected.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2022-06-16
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. (AZ)

My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. I've filed a police report with the XXXX XXXX Sheriffs office ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. They wont remove the disputed account, but they acknowledge that my identity has been stolen by putting an identity theft alert on my file. I have followed all steps to get the credit bureau to remove these fraudulent account, but evidently they're slow and don't know that when a persons identity is stolen ; thieves steal a person 's identity and use it to open up accounts in that persons name, thus the information will be correct when you verify it with the company. 
The following line Items were part of my request to remove from my credit report due to identity theft : 1. XXXX XXXX 2. 8 different 30 days late on Dept of EDXXXX files The following hard inquires are false : 1. XXXX 2. XXXX XXXX. XXXX XXXX XXXX XXXX 4. XXXX via XXXX 5.XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX 
8. XXXX XXXX XXXX  9. XXXX XXXX XXXX Can I get some assistance in this matter
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tower Loan of Mississippi, Inc. (AL)

I received a loan in the mail by a check ( {$1200.00} ) pre approved check. I deposited it into my bank, checking, on XXXX XXXX, XXXX On XX/XX/2022 the check was returned Bc it wasnt paid. On the XX/XX/2022 I went into the local Tower Loans and they couldnt give me a reason or the number to the main office.