davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

I have received calls In the past regarding a balanced i owed the IRS that I did know how it happened. They said I used dependents on income tax around XXXX, and owed a balance of {$4000.00} I believe. I had no idea how this occurred but felt obligated for the debt that was not mine. In XXXX I was told by my tax worker that I was unable to file taxes due to my social security being in use by a other party, which I had no knowledge of. I was given forms to fill out and show proof that may social was in use but not by me. I now keep getting harassing phone calls everyday from a company called CBE group regarding the debt that I did not accumulate.
Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (MD)

I disputed this debt numberous times. This debt does not belong to me. 
This false reporting is a clear violation of Public Law 104-191 ( " HIPAA ''  ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. 

Please delete from my credit report. 

Thanks
Consumer complaint received 2022-09-08
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. (UT)

EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.
Consumer complaint received 2017-12-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (CA)

I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (NC)

XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

XXXX comenity creditcard I had a 0 interest rate promotion for 12 months, i paid my whole entire balance of XXXX on XXXX. MY PROMORION EXPIRED ON XX/XX/XXXX, however, i made my monthly payment on XX/XX/XXXX of {$120.00}. NOW, there retrieving {$1000.00} interest because I did not pay my whole amount on XX/XX/XXXX. I called the company today XX/XX/XXXX and they said that even if i had paid my whole balance i have to pay the interest as well. My next payment will be on XX/XX/XXXX. The company says that they will not help me with anything at this point.
Consumer complaint received 2017-10-17
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. (AR)

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
Consumer complaint received 2017-09-09
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. (TX)

On XXXX XXXX, 2017, I learned through social media that Equifax mishandled my information which led to a security breach -- putting myself and 143 million others at risk of identity theft. It has been roughly one month since the breach occurred, and I was not notified by Equifax in any way ( e.g., mail, email, phone ). Learning of this breach has cost me several hours, personal distress, and likely my money as I plan to pay the dues required to freeze my files to protect myself from Equifax 's breach.
Consumer complaint received 2017-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. 
My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. 
I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (VA)

My company received an email alert from the "fraud protection alert" department of this credit card company. Asking if someone from our company made these transactions dated X/X/2017 at XXXX XXXX XXXX, Fl. My company responds "NO" to that email. We received another  "fraud protection alert" again we responded "NO". I called Customer Service explaining what had occurred. They blocked/canceled the fleet cards and reissued new ones. I was told to file a dispute online because customer service could not help me resolve this issue. I asked them to please document every phone call and to please put notes on the account regarding this issue with fraud. I filed a dispute on all charges made in Flordia. The credit card company approved the charges on the card ending in XXXX but did not approve the other charges on card ending in XXXX. Every time I called customer service they said the fraud department handles these issues and they could not resolve that issue. "you have to email them" I tried calling a number XXXX for two weeks no one ever answers that line. So I continue to email that department. The last response from them was that I check off the lost/stolen box on the form and because I check that box off the transaction were not fraudulent or counterfeit. I let them know that it was a mistake and that I had written an explanation in the box provide a detail about what had occurred. This department is not looking at the full details of this case. They are going about it based on a check mark on their form. That was checked and followed by an explanation as well. I have sent several emails with documentation and proof of everything that I have now two months later they are asking for the physical card to be returned that is they are not returned the charger will not be removed. I did everything that was in my power to notify them and explain what was happen we responded no to these charges and their company put a block as well. So how is it that we are liable for these charges just because I check a box and they are refusing to read the full detail of the whole case.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised XXXX, Equifax and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account XXXX and Equifax decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages
Consumer complaint received 2021-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

As of XX/XX/2021, XXXX/LOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XX/XX/2021, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCARE/XXXX  XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.
Consumer complaint received 2017-12-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ad Astra Recovery Services Inc (CA)

I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.
Consumer complaint received 2016-08-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Services, Inc. (WA)

There is an entry posted on my XXXX credit report from account management services. The original creditor was XXXX. I disputed the validity of this debt with XXXX and filed a claim with Washington State Department of Finance and in turn they agreed that it should be removed.However they stated that they were unable to do anything about the Collection Agency that purchased the debt. I have disputed the AMS debt with XXXX several times yet the entry still shows. The SOL for the debt is XX/XX/XXXX and should be removed from report, However when I reviewed my report it appears as if the collection agency posted a {$2.00} payment ( do n't know when they made the payment ) on the account in order to start the SOL over.This ca n't be legal. I never made a payment to the collection agency because I have continuously disputed the validity. I have again disputed this and asked that this be removed from my XXXX Credit report. I believe the original date the account showed open from XXXX was from XX/XX/XXXX and has been deleted from all XXXX of my credit reports. What do I do from this point, I can not afford and attorney. AMS has posted 30 day late for several months which continues to damage my credit. I would like to again dispute this and have this removed. I also believe that AMS should be held accountable for the debt collection practices. 

ACCOUNT MANAGEMENT SER XXXX, CA XXXX Unknown Account Name ACCOUNT MANAGEMENT SER Account # XXXX Account Type Other Collection Agencies I have attached email from XXXX documenting XXXX ( this info is highlighted in yellow ) representative stating the removal of the negative information. I have also included the entry from my credit report that shpws the {$2.00} payment and the date the negative information should be removed
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/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 2022-09-08
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. (FL)

On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, XXXX, Transunion and XXXX has not completed the investigation. 

It has been over 30 days and all of these consumer reporting agencies are in violation. 

XXXX, Transunion and XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Consumer complaint received 2022-09-08
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: Credit Karma (SC)

Someone opened a credit card in my name back in 2017 and credit karma is just now showing me because they're using more than 70 % of the allowed amount and it's hurting me from getting anything I need. Also credit karma told me I could get a credit card myself so when I applied they denied and my credit went from XXXX to XXXX.
Consumer complaint received 2021-09-07
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX SSN : XXXX XX/XX/1976 Ally Financial XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Debt Validation Request for Original Creditor Account # : XXXX Dear Ally Financial, I am writing to formally dispute the validity of the debt you are attempting to collect, referenced by account number XXXX, which you claim originated with Ally Financial. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt you claim I owe. Please provide the following information specific to the original creditor : 1. Receipt of sale from auction of vehicle or receipt of sale 3rd party. 
2. A detailed account statement from the original debt, outlining the initial debt amount, any charges or fees, and a comprehensive transaction history. 
3. Any documents or agreements establishing my obligation to Ally Financial. 

I require proper documentation to verify the legitimacy of this debt. Please provide this information within 30 days of receiving this letter. Until you can provide the requested documentation, I consider this matter unresolved, and I request that you cease any attempts to collect on this alleged debt. 

Furthermore, I dispute your reporting of this debt to any credit reporting agencies. If you have already reported it, I request that you promptly remove it from my credit reports. 

I expect your prompt attention to this matter and a response within the specified timeframe. Failure to provide the requested validation may result in legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have been trying to get a replacement card from Huntington Bank, Business Master Card since XXXX of 2021. I have called them more than 5 times to request a replacement card, each time I am told it will be mailed to me. I never receive a new card and Huntington always appear surprised and offer to send it again. I have ask to talk with management, it gets me someone else but NO additional help in the matter. I now see a charge of interest fees, even with a XXXX balance??? If the card company wants the account closed, I want to know why? Ive always maintained the payments in a timely manner. 
This should be illegal to do to a consumer. My guess is they don't want me to have the card with such a low interest rate, and forcing me to close the account. 
Unfortunately I do not have the card number. At the time in XXXX of 2021, I never thought about this position Im in right now. I believe I cut up and thrown away the old card, because a new one was coming. 
Any help and/or guidance would be very appreciated. 
XXXX XXXX
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I agreed on a settlement amount to settle a credit card debt and paid it in full. Capital One has not reported it as Settled in Full ( SIF ) and instead left the remaining balance showing I still have bad debt. I have requested a paid in full or SIF letter from them multiple times and also sent them proof I paid the payments as requested along with a copy of the settlement agreement letter and they refuse to respond. This needs to show settled in full on my credit report instead of showing I owe an open balance still. And they also need to verify the account number on all reports is accurate because it is NOT showing correctly on all XXXX.
Consumer complaint received 2017-12-25
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: Credit Plus Inc (PA)

I recently purchased a property in XXXX. However there are several hard inquiries that are negatively impacting my credit score even months after my purchase. I was told these would not hurt my score but that is not the case as I see these are being factored in : XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX