davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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)

XXXX  XXXX XXXX FTC VIOLATION AS STATED : A mortgage servicing subsidiary of XXXX  XXXX XXXX XXXX agreed to settle Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTCXXXX XXXX, 2012 the FTC 's multi-million dollar settlement with XXXX  XXXX XXXX ... federal, and local government, have violated my civil rights as well as the ... 


WOULD YOU PAY A CIVIL VIOLATION
Consumer complaint received 2017-07-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Data and Contact Management Solutions, LLC (WI)

I informed DCM Services that ( 1 ) The person owing the debt has XXXX and his estate is broke. I gave them the name and phone number of the Attorney handling his Estate for Probate/ informing DCM the above information in late XXXX, 2017.
( 2 ) During at least 2 phone calls DCM made to collect the debt, I informed them the estate has no money to pay these bills. I also reiterated that I had hired an Attorney to settle his Probate.
( 3 ) In XXXX, 2017, I received 5 letters attempting to collect balance due.
( 4 ) Attorney representing this Probate case has informed me that she, too, continually is receiving notices of this debt owed by the XXXX.
Consumer complaint received 2021-10-02
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: NATIONWIDE ACCEPTANCE LLC (AL)

Despite my previous query letters to your department, the most recent XXXX XXXX I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " XXXX '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC (CA)

This account was opened XX/XX/ and was closed XX/XX/XXXX. I am getting collection notices from credit control LLC on dates XXXX and XXXX that they can resolve this account for {$250.00}. It can't be claimed if it is closed. Fair collections
Consumer complaint received 2024-02-16
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. (IL)

i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file XXXX XXXX. XXXX XXXX XX/XX/XXXX - {$250.00} XXXX XXXX XXXX $ XXXX {$480.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX- XX/XX/XXXX, XXXX {$640.00} XXXX XXXX XXXX- XXXX {$460.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX- XXXX {$500.00} REOMOVE UNATHORIZED INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$640.00} REMOVE UNAUTHORIZED INQUIRES XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$300.00} UNATHORIZED INQUIRES XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Overzealous and incompetent fraud department targeted a valid charge and was unwilling to take responsibility, leaving card useless. Attempted to charge {$140.00} on a Citi Mastercard on XX/XX/18 and it was declined. The customer service rep was unable to explain their rationale. The card was in good standing ( actually a negative balance ) with no previous problems. The fraud department was unable to help and seemed insistent that I have a second phone number, which is a ridiculous notion. Upon second try, the fraud department again was unable to do anything or to connect me with a supervisor.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2019 I mailed out a certified letter to Portfolio Recovery requesting proper verification and a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

They have failed to verify any of the information requested.
Consumer complaint received 2019-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (MI)

I had a pay day loan due on Friday, XX/XX/XXXX 2019. I was unable to appear in store as I had to work late that evening but as soon as I was off work ; I paid my loan payment online with my debit card. I have a receipt showing my payment of {$560.00}. Per Advance America because the payment was paid " after business hours '' this morning ( the next business day ) my check was cashed ( XX/XX/XXXX19 ) resulting in my bank account being overdrawn. I have several scheduled payments that I will now not be able to make because of this issue. I have spoken with five different customer service representatives that have just passed on the issue. I will now have a reconnect fee for my cell phone being turned off due to Advance America 's negligence and inability to correct the issue promptly. I was told that this will take at least two to  three business days to resolve. If the money can be taken from my account in an instant ; I can't understand why it isn't put back.
Consumer complaint received 2022-08-12
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. (FL)

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Consumer complaint received 2018-09-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northwood Asset Management Group (IN)

Since XXXX of I have been receiving calls from a company called Northwood Asset Management Group or NAM on a payday loan I owe with XXXX XXXX XXXX. I contacted XXXX XXXX and they said the loan had been discharged to NAM. I agreed to an agreement with NAM for a payment plan and NAM withdrew the funds from my account on XX/XX/XXXX. When I went to find a web address for NAM I could not find one at all. All I found was complaints about this company and that they may be fraudulent. I placed a stop payment on further withdrawals until I could receive a letter in writing from this company. I have since been repeatedly contacted by a man named XXXX XXXX who has contacted me at work and threatened legal action and wage garnishment. He has also contacted my parents as well trying to get a hold of me. He did send me a PDF file which I have attached but has never sent me anything in the mail and always calls from different numbers. I want to get this debt resolved but I want to make sure the money day I am paying is actually going to XXXX XXXX.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I have multiple inquiries that are fraudulent and I never applied with these companies I want them removed from all public consumer reports. 
I have tried multiple times and this credit reporting agency will not remove them.
Consumer complaint received 2021-10-02
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: EQUIFAX, INC. (TX)

I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

PayPal/Synchrony Bank reported my MasterCard as over-the-limit on my last statement. Subsequently, they reported this information to all three credit bureaus. This information is inaccurate. On XX/XX/XXXX, I made a payment of {$180.00} to prevent my account from being sent into over-the-limit status. In fact because I did that, PayPal Mastercard 's computer system rebated me interest charges and fees ( see below ). 

XX/XX/2021 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/2021 PREVIOUS CYCLE DEBT CAN FEE $ XXXX However, they still charged and reported to all three credit bureaus for being over-the-limit. I want to them to correct this mistake and report accurately that I was not over limit and report the correct balance to include the {$180.00} payment which would prevent my account status from being changed on my credit report. I have a screenshot of my account activity for XX/XX/XXXX with this evidence highlighted that supports my position. 

Attempts were made to resolve this issue through the individual credit bureau online dispute process, but their websites keep crashing every time I click the Submit button. Someone might want to reach out and reprimand the web-development team.
Consumer complaint received 2020-11-04
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. (IL)

I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-01-29
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. (AL)

I disputed a bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.
Consumer complaint received 2023-01-29
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: LEXISNEXIS (FL)

CFPB + Lexis Nexis, Lexis Nexis why are refusing to send me my Consumer Disclosure Report that I am allowed by law free? 

On XXXX, for maybe the XXXX time, I submitted the request online here XXXX XXXX XXXX XXXX I then verified my identity by email and landed on a page that read " Email Confirmation request sent If you requested reports you should receive a message via US Mail within two weeks. '' Both of these copies will be attached to this complaint. 

I have done this before - then XXXX weeks later get a hard copy piece of mail that says you can not verify me ( see attached ). 

So, attached to this complaint will also be my drivers license that shows as well as my social security card - keep in mind these are supposed to NOT be required by law - but I am supplying them anyway so you have no excuses. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - proof from Lexis Nexis online I filled this out - email proof I confirmed the email - The letter from you that states you cant verify my identity I dont appreciate being given the run around by you over and over again to receive MY OWN Consumer Disclosure Report.
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (WA)

Equifax is in willful noncompliance with FCRA 605B ( a ). 

On XX/XX/2019, I sent by USPS ( tracking # XXXX ) all of the attached documents, which fulfill the requirements for a mandatory block of tradelines under FCRA 605B ( a ).  According to the tracking info, Equifax received my documents on XX/XX/2019. FCRA 605B ( a )  requires fraudulent accounts be blocked WITHIN 4 BUSINESS DAYS when receiving such documents. It has now been 6 business days, and the accounts are still appearing on my credit file.

Today, the 6th business day since Equifax received my documents, I called and spoke to a customer service representative. The representative informed me that the documents had been received, and it may take up to 30 days for an investigation to be completed. This is illegal. FCRA 605B does not allow for a time extension to conduct an investigation. The fraudulent accounts must be blocked within 4 business days. 

Willful noncompliance with the provisions of the FCRA are punishable by fines and attorney fees as described by FCRA 616. 

XXXX and XXXX  have fulfilled their duty to block these accounts, but Equifax seems to believe it is above the law. 

The accounts in question are : XXXX XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1000.00} XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1400.00}
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (IL)

PHH Mortgage services XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Acct No. XXXX All for the XXXX XXXX XXXX  They are consistently take my mortgage payments of {$1400.00} and apply them to an escrow, making my mortgage behind, imposing late fees, and reporting to the credit bureau. I have to call the mortgage company, stay on the phone for hours and multiple days, and follow up with more calls. I have complained about this happening four times in the last 12 months. I have never been late or missed a payment. 

I received an email LAST WEEK saying things were correct, but I received a statement that showed I was two months behind. Before this time and the last time I called. It showed me four months behind. I died inside. 

I made a complaint to the XXXX, and they still do this. 
They have caused my credit score to drop by XXXX points due to the deceitful practices. 

I HAVE NEVER BEEN LATE OR MISSED A PAYMENT, AS REFLECTED BY MAKING STATEMENTS, AS MY MORTGAGE IS ON AUTO-PAY. 

They will not stop. My mortgage payment is {$1300.00}, and I pay {$1400.00}. The balance is to go to the principal. That is not the case each month. 

Their systems says I don't have homeowners insurance yet. They paid my insurance company, and my policy is active and has never changed. Again deceptive practices.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alpine Credit, Inc (NM)

On XXXX I was seen at the Emergency Room in Colorado. I am a XXXX and I am covered with the Veterans Administration. XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a Non payment XXXX of XXXX with Interested Balance showing the amount of XXXX that was sent to Collections on XX/XX/2021. 
I immediately contacted them and advised them of the VA paying for this bill. I also contacted the VA Medical Billing XXXX and they advised me that they would contact XXXX XXXX XXXX. I received an updated billing statement on XXXX with a XXXX Balance. Indicating CODE 9906 " UNTIMELY FILING " The Bill was mis-handled and now it was PAID in FULL. 
This resulted in my Credit Score going from XXXX to XXXX, it is effecting my Credit drastically. 
I was given this number re : XXXX to help identify this Bill
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (WA)

XXXX was sent to XXXX  XXXX XXXX ( a scam school ), I didn't realize the school was a scam and the bank should have given me an alert or signal about this fraudulent school. If a banker had pulled me aside and just discussed it with me. I might have made a better decision.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (WI)

Checkr reported to XXXX XXXX on XX/XX/2019 and XXXX XXXX on XX/XX/2019 inaccurate information about my driving record. I provided Checkr with the correct information and they still refuse to update my records
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (VA)

I am filing this complaint because XXXX  XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America to dispute a transfer made from my employment benefits accounts of {$1500.00} and XX/XX/XXXX I received two deposits each for {$1500.00} one as a temporary credit from Bank of America and another from my benefits. On the same day another transfer of {$3000.00} was transfer to an external account without my permission. My account has a balance of {$0.00} snd Bank of America say it will take up to 45 days to complete their investigation. I am broke without food and need access to my benefits.
Consumer complaint received 2023-01-11
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-04
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: Mercedes Benz Financial Services (FL)

I sent a request to XXXX to remove Mercedes-Benz Financial Services USA LLC because of identity theft. XXXX sent me a letter stating they did a reinvestigation and verified my information with Mercedes Benz Financial Services USA LLC ( MBFS ). XXXX did not remove the information as required by 15 USC 1681c-2 ( a ). XXXX violated my rights by contacting MBFS for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ). 
I have filed an Identity Theft Affidavit with the XXXX website and do not understand why XXXX would contact MBFS with my information ( ssn, birth certificate ) and other PII, when MBFS is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, MBFS has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.
Consumer complaint received 2021-09-13
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court