davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centralized Business Solutions Company (OH)

this is medical debt that my insurance lapsed on. ive never had a collection company call and leave me voice messages more times than this one, literally upwards of 1,000 voice messages have been left to my phone number though this debt collector. i have contacted them asking them to stop contacting me and the XXXX operator on the end of the line said something am long lines of literally laughing before saying you owe a debt, we wont stop because you owe us, its not harassment were allowed to i have blocked this phone number more than a year ago, and ive received 20+ voicemails from their company since XXXX XXXX ive attached a screenshot of the most recent ones, i have to delete them because they have had my entire message box filled up with these debt collector messages.
Consumer complaint received 2019-09-27
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV on XX/XX/XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

XXXX XXXX XXXX, XX/XX/XXXX I am a verifiable victim of identity theft and have a Affidavit of Truth UDAAP - were the laws that were broken and or violated I was mislead as a consumer ( UDAAP ) Two crimes happened : 1. XXXX XXXX thru XXXX XXXX XXXX 2. Identity Theft Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations Please verify the signature on the credit application used to open these disputed accounts reported on my credit report is truly mine. 

You can do this by sending me a signed copy of the credit application that was used to pen the disputed accounts. 

Please verify that all the information given to you by the provider and then publish on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items According to my UCC-11 ( Uniform Commercial Code ) Indexing system I don't owe any creditors.

Your company is a private club and I never gave this company permission to have my information. I have a right to privacy by the 4th and 6th Amendment. 

Your company also outsource disputes overseas which also violates my privacy. 

These accounts are part of a UNJUST ENRICHMENT using debt as a TAX LOSS. List of adverse item : Sunrise Credit Service XXXX XXXX XXXX XXXX, NY XXXX Account Type : Collections Account Balance XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-17
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. (MO)

XXXX, Experian, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, Experian or XXXX  correct the information on my credit report.
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XXXX, XXXX I entered in a consumer credit transaction with Credit Acceptance, in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges. I was not expecting a bill this bill is a violation of 15 USC 1692b.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

CAPITAL ONE FINANCIAL CORPORATION et al continues to violate and threaten and or infringe upon my rights with the continued harassment after using a misleading statement to further injure my access to the account to manage the discharge of debts before the final date next week to divert the threat of a civil action and notice of lien on my property and including the accruing additional charges incurred by a creditor against me so this avoidance to comply with the American Disabilities Act Title III public accommodations non-compliance necessary for the online access to the available transaction service features.

The first letter with an explanation was a lie not an error.

Doe admits he used mail fraud, a deceptive practice and has perjured himself by submitting false and misleading information via federal telecommunications and directly to a government website as demonstrated in the Capital One letterhead attachment to his online responses.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (HI)

Received two credit cards, Master Charge from Citi Bank ; unsolicited ; did not request, did not complete application, impacts credit report ; information with card was minimal ; did not provide interest rates. Or relevant information re. costs or information. Will not activate card. However, this type of practice is highly questionable. Sad that their ethics stoop this low.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2019-08-21
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. (GA)

No entity may include in a consumer report any adverse information deficient of physically verified validity of truth accuracy and completeness and compliance to METRO2 SO PROVE NOW OR DELETE THE CLAIM XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX , US DEP ED XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, US DEP ED XXXX,
Consumer complaint received 2023-04-03
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. (CA)

On XX/XX/2015 a account by XXXX XXXX XXXX XXXX XXXX was attached to my credit in the amount of {$7000.00} for a auto loan that a family memeber ( s ) used my identity fraudulently to add me as a co-signer for this vehicle. I never agreed to this nor did I sign anything. The family member ( s ) withheld all information regarding this account from me until an inquiry on my credit revealed it to me just 30 days ago I attempted to have the item removed but it was unsuccessful. I reached out to the company and was to yo file an complaint here.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I recently sent letters over 30 days ago to the credit bureau and they are disregarding my dispute. I am very stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery Associates calls me 4-5 times daily, every single time on a different number, so blocking each number is pointless. It's incredibly distracting as I'm on the phone a lot for work and expecting real calls, so it needs to stop. I've already asked them to stop and they simply refuse to handle this by mail as requested.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

I closed my mortgage loan with US Bank my account # XXXX under XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX in XX/XX/XXXX. At that time I signed a servicing disclosure stating US Bank was to pay my property taxes before XX/XX/XXXX directly from my escrow account. I found out on XX/XX/XXXX that they did not pay our property taxes. I had XXXX in my account and my property tax bill was {$5300.00}. I had to scramble around to pay my taxes so I can use the deduction on my XX/XX/XXXX Federal and State tax  return. On XX/XX/XXXX I paid my tax bill. On XX/XX/XXXX I called and faxed my paid receipt to XXXX they showed receipt of my reimbursement memo on XX/XX/XXXX. To date I have contact them 4 times asking to be reimbursed for my taxes and also to be reimbursed for them holding too much money in my escrow account. I should not have to continue to wait for a response or reimbursement. My escrow account like I said also have over {$2000.00} in it much more than needed. This is my last try to get them to respond. I want my reimbursement now.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Applied for a credit card. Denied based on allegedly have zero credit history. Credit WAS NOT PULLED. They insist that it was done properly. I have an extensive credit history, since 1993. Obviously this is a scam.Refuse to help other than to insist on how they are right and did everything wrong. Told me to go to another bank.
Consumer complaint received 2022-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2020-01-24
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. (SC)

XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX  report
Consumer complaint received 2018-04-03
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. (AR)

I've sent Equifax the results of my investigation for fraudulent accounts listed on my credit file and Equifax and Equifax has not kept any of my docusments on file. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

Equifax initated a dispute without my consent. I had already sent equifax, unrebutted facts that were established. Equifax recived a Affidavit of Identity Theft, results of a UCC 11 search, Police Report, and Affidavit of Truth, as well as a cover letter detailing the information and my intention.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my Consumers Reports and notice that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XX/XX/XXXXaccount # XXXX XXXX  account # XXXX Please investigate and provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks
Consumer complaint received 2022-01-12
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)

I am a victim of identity theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.
Consumer complaint received 2024-05-23
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: OneMain Finance Corporation (OH)

I did not give permission or authorization to open my credit report to XXXX  or one main.Ive filed identity theft reports and frozen my XXXX account to prevent fraudulent activities.Ive added black web sweep for extra security..I disputed with XXXX credit breua and let them know I didnt recognize companies or give anyone permission or authorization to use my information and I asked to be removed immediately because it hurting my credit score negatively I also noticed a address on my file that I dont recognize XXXX XXXX XXXX XXXX, OH XXXX witch I disputed with XXXX also that I want removed immediately also
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I sent a letter to TransUnion requesting that the XXXX/XXXX  account reflecting on my credit report be removed due to the inaccurate payment history reporting on my credit report. On XX/XX/2020 I sent another letter in response to the update they made which was still incorrect. They removed one of the inaccurate late payments ( 2 still remain ) and then changed the status from closed to charged off. This account was never charged off as it was sent back to  XXXX for servicing and they are currently reflecting the account on my credit report as well.
Consumer complaint received 2022-01-12
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. (PA)

XX/XX/2021, Someone had stole my information and had applied for 3 credit cards. I reported it to the Credit Bureaus. They had only taking 2 of the 3 off but refuse to take the 3rd one off. I dont understand why they wont take it off and when I contact them they keep telling me to dispute it and I had already done that 3 times since it had happened and nothing changes. And when I tell them they still say the samething every time
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America did not provide terms and conditions when my account classification change. They began charging me {$12.00} per month when my account dropped below the {$1500.00} balance for any day during the previous month. I was not told about this fee or the method of computation used to determine the fee. Therefore, the bank kept assessing the fee event though my average daily balance exceeded the {$1500.00} requirement. Additionally, I was not sent a terms and conditions disclosure related to this fee. 

Bank of america kept assessing this fee after my account reached {$1500.00} balance and indicated that the fee was for the previous month. My chief complaint is non disclosure, no cosistent method of assessing fees and how the fee policy keeps changing to their beneift. 

Fee method 1 - {$1500.00} average balance for the month 2 - {$1500.00} daily balance 3 - {$1500.00} balance the previous month Fee concerns 1 - {$12.00} assessed in the current month 2 - {$12.00} assessed for the previous month 3 - {$12.00} assessed based on your statement cycle date I feel that Bank of America 's fee policy is Unfair, Deceptive and quite XXXX  They are using the fee policy to their benefit without providing a consistent application method and process. Therefore, I would like to see a remedy through the CFPB. 

Note : This problem was reported to Bank of America on XX/XX/2021 at XXXX XXXX  CST. The representative failed to refund any fees.
Consumer complaint received 2022-01-12
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. (TX)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.
Consumer complaint received 2021-08-19
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. (OH)

Please see attached. No contract exists for and agreement between myself and this third party. They didnt even take adequate time to research with the company. I need to see a contract for this agreement. Within less than 1 week, this came back as verified! No! Theyre breaking laws FCRA and Comprehensive Credit Act of 2020!
Consumer complaint received 2022-11-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!