davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (WI)

I have no idea what this debt from XX/XX/2022. I have not opened a new account in years. I never received any written/mail correspondence regarding this. 
I found out about it because it was generically reported to a credit bureau today. 
I did receive some robo calls in the past week of someone impersonating a lawyer/lawsuit and XXXX they are coming to my house and if Im not home they are coming to my work and if Im not at work they discuss the matter with my supervisor It looks like it came from the XXXX XXXX
Consumer complaint received 2020-06-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I TRIED GETTING A CREDIT REPORT FROM TRANSUNION AND IT STATED MY INFO WAS NOT MATCHING UP SO I WAS NOT ABLE TO RECEIVE REPORT! I HAVE BEEN GOING THROUGH AN IDENTITY THEFT CRISIS SINCE XXXX AND HAD BACKGROUND CHECKS RETURN WITH WRONG INFO! THEN IN XX/XX/XXXX SOMEONE ORDERED A CREDIT REPORT WITH DIFFERENT SOCIAL SECURITY NUMBER AND HAD IT MAILED TO MY ADDRESS AS WELL AS OPENED IT AND PLACED IT IN RESIDENCE SO I TRIED TO DISPUTE IT WITH COMPANY BUT HAVE YET TO GET A RESPONSE
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago
Consumer complaint received 2017-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC (MO)

I continue to get calls from a supposed Debt Collection Agency. They never say upon calling who they are, or why they are calling. They wait until they are sure you are not going to hang up and before you verify anything with them they ask you to verify your personal information. They will not identify themselves or who/where they are calling from. Several attempts to find out WHY they are calling have failed as they will not state why or who they are without verification of your personal information first. I 've been given XXXX different names of the company, XXXX of which is Qualia Collection Services. I 've told them the person they are trying to reach is not at my phone number multiple times and have asked them to please remove my number from their list every time they have called. This has been going on for months now and they still continue to contact me, and when I answer, it is the same situation every, single, time. The only reply they will typically give as to why they are calling is for " business ''. It takes a XXXX questions just to get them to say what company they are calling with.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I have been sending letter since XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have not gotten a written statement on how it was verified/validated the Bankruptcy and all they say it was verified through XXXX. 
I believe I have given ample time to verify this information.
Consumer complaint received 2020-11-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.
Consumer complaint received 2020-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (NH)

My husband XXXX sent a letter to the company on XX/XX/2020 with a check and letter detailing what accounts the payment of {$100.00} was to be used on. It also included a request for NO CALLS for the cell phones for me and my wife. 
To this date ( XX/XX/2020 ), the check has not been cashed and the calls are continuing. The address to which the letter was sent was verified as correct.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

1- My credit score through Experian decreases even when I pay my credit card balance in full And when I check my Experian credit score through XXXXXXXX XXXX it show that my credit score is XXXX however when I check my Experian credit score through XXXXXXXX XXXX  it showed XXXX it is almost 30 points less however its both through Experian. 

2- Also still show that my account with absolute resolutions which was already paid in full is still on my credit report as delinquent.

3-My credit report with Experian shows that I still owe money to XXXX XXXX XXXX however I paid them in full 4- i have several credit cards that I have XXXX balance on all of them except one card only that I use it and pay it in full before the due date however I expect due to that I dont have balance on my credit cards, it means that my credit score should be increasing however my credit increases for few days then decreases against with no reason 5- I have tried to dispute some accounts on my Experian credit report but it never been removed from my credit report yet.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

While a student attending XXXX XXXX XXXX XXXX in XXXX XXXX, TX my mother leased a home on or about XXXX from XXXX XXXX XXXX  and was required to provide information on all persons residing at the property. I graduated XXXX XXXX in XX/XX/XXXX moved away and enrolled in XXXX University. On or about XXXX when applying to rent an apartment from XXXX XXXX  in XXXX, Tx, I learned about a Collection account ( total : {$11000.00} ) entered into my credit file with XXXX, XXXX, and XXXX. I informed my mother and she executed an affidavit for the property management stating that I was not a guarantor on the lease agreement and she was and is the responsible party. So I was allowed to rent the apartment unit. 

I also, drafted a letter to the collection agency which included the affidavit from my mother demanding proof of the debt and to remove it from credit file ( see attached Letter to CBSA Collections ). The agency responded but did not provide proof that I am responsible for the debt ( see attached Letter from CBSA Collections ). I then submitted a letter to the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) informing them that the Collection Agency did not provide proof that I am the owner of the debt and requested that they remove the collection account from my credit file, however they refused. On XXXX, I sent a letter to XXXX XXXX XXXX demanding they send proof that I am the owner of the debt and to remove the Collection from my Credit File, to which they have not responded. Also, while corresponding with the XXXX XXXX XXXX XXXX, via email, it was stated that there was not an eviction case filed ( See attached document ) This debt does not belong to me and the CBSA Collections nor XXXX XXXX XXXX, nor the Credit Reporting Agencieshave verified that the debt belongs to me. It isimpacting my ability to lease housing and obtain credit lines and needs to be removed.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I have a collection on my report from a collection agency called XXXX   XXXX who claim to be collecting for XXXX XXXX. I contacted XXXX XXXX bc I have no knowledge of the account. I informed them that another collection agency is also on my report who claim to be collecting for the same debt and that collection agency is XXXX XXXX XXXX. I inquired how they could be collecting for the same debt that I know nothing about. XXXX does not even have a tradeline on any of my credit reports. I was advised to submit a dispute as well as file a complaint on both collection agencies. I have already submitted for XXXX XXXX XXXX and this complaint is for XXXX. This company is using illegal tactics to get consumers to pay collections that they clearly do not own or were not assigned to. XXXX XXXX has yet to properly validate the debt according to the FDCRA. These collection agencies are breaking credit laws and I will not hesitate to sue for defamation and smearing my credit profile.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IL)

To whom it may concern : Security Credit Services is reporting an " alleged debt '' in the amount of {$11000.00}. 

This account was never validated. This is a violation of my Constitutional Rights. Please request deletion asap.

Thank you.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (ME)

Both my son and I try to get a loan payment deferred for a month due to layoffs because of the pandemic. In a world where everyone is bending over backwards to help everyone we were told credit acceptance Corp is not offering that at this time. they should be ashamed of themselves
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: STATE FARM BANK, FSB (NH)

I am the executor of my parents ' estate. A mortgage on their home in XXXX CT was paid off 5 years ago, but never properly recorded on the deed. Numerous attempts to contact the lender, State Farm Bank, have been fruitless. They do not answer their phones or return calls. I called their corporate office, but can not get through. I have written to the CEO, XXXX XXXX and received no response. The property is currently under agreement for sale and I need to expedite the release of the mortgage. 

Please expedite this request. 

Thank you, XXXX XXXX XXXX MD XXXX XXXX
Consumer complaint received 2021-02-22
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: CITIBANK, N.A. (NY)

There is a fraudulent AMEX/DSNB account reporting on my XXXX XXXX , & XXXX XXXX credit reports. I have mailed several letters by certified mail to the address listed on my credit reports for AMEX/DSNB. Despite mailing AMEX/DSNB several letters to the mailing address listed on my credit reports to advise them regarding the reporting of the fraudulent account, AMEX/DSNB continues reporting the fraudulent account. The account is reporting as follows XXXX AMEX/DSNB, {$600.00}, CLOSED, XX/XX/2014.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OR)

LVNV is trying to collect on an account that was opened fraudulently and will not send me supporting documents. At first when I saw the collection accounts, they said closed in 2018. But ever since I called them to let them know that Im a victim of Fraud, the accounts are now back open?! I dont think this is legal! Without supporting me with the proper paperwork no least.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (KS)

Early in the COVID-19 pandemic, I reached out to Chase to identify myself as our family had been impacted financially. I requested Chase refund a multitude of NSF fees and shortly there after, they began automatically waving them without a phone call which I found as a pleasant surprise and assumed it was due to my call to identify our hardship. 

Not long after this practice began, uncommunicated, it shortly stopped in the same manner -- without communication -- and I found myself with hundreds of dollars of fees taken from my account beginning at the end of XXXX. 

I contacted Chase to inquire why they stopped this practice when the pandemic was really only ramping up and I had not called to identify myself of being back in better financial shape -- our family was still on a reduced income. They stated that Chase had decided as of XX/XX/XXXX to only refund fees if you call to ASK them to be removed and they would impose a maximum refund of 8 fees daily, regardless of how many they charged you. 

In many instances, I had to make multiple calls daily to request 8 per day for 3-4 days in a row. The real issue becomes when they take  days at a time to refund these fees, meaning your account is in a negative balance longer than necessary and you continue to rack up more fees. 

As of today, I have spent more than 2 hours on the phone with 4 different representatives trying to get the refund of 8 fees which I requested on Thursday, XX/XX/XXXX which according to the agent at the time I filed the claim, should've been returned to my account in 1-2 business days. Today is the third business day and now the account will be overdrawn if not refunded today ( due to automatic payments coming from the account ). If the account is overdrawn, then they will impose at least three more fees of {$34.00} each meaning I will be required to call back and request ANOTHER round of fees to be refunded and wait god knows how long for that to be reflected. 

This is a cycle of debt and fees that is harmful to me as a consumer when I have already disclosed to Chase the impact of covid-19 financially.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX XXXX my mortgage with Fifth Third Bank was paid off. They have {$1500.00} in my escrow monies account which should have been paid/refunded to me by now. To date, they have not sent me a check.
Consumer complaint received 2018-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, In XX/XX/XXXX I purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX
Consumer complaint received 2017-04-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada) (GA)

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level of fraud by putting this on my credit before contacting me as I have been at the address for years. 

Very shady practice to do that.
Consumer complaint received 2022-04-05
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. (HI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-03
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. (NC)

As a right I have under the Fair Credit Reporting Act, I 've been writing Experian who is reporting a false debts on my credit report that is severely affecting my credit worthiness. I have written them on ( XXXX ) Different occasions over the span of ( 3 ) months asking them to Validate the Debt as required by law and being that they remain on my credit report without Validation and not providing me with my requested Signed Document or Contract they are in violation of 15 U.S.C. 1681. Furthermore, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means they have NOT Validate or can not validate any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The accounts being reported by them in question are : - XXXX : {$21000.00}. Again the law states that the burden of proof is on them, I ca n't possibly provide information on accounts I have no knowledge of and they are violating my rights and effecting my life by falsely reporting this information.
Attached are my communication attempts ( letters and Certified Mail Receipts over a 3 month period ).