davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Central Business Funding (FL)

Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from XXXX XXXX. He said I owe a debt to Central Business Funding in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.
Consumer complaint received 2017-10-13
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)

RE: Unverified inaccurate items:FED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN XXXXFED LOAN  XXXXFED LOAN  XXXXI have been back and forth with XXXX and Experian for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items XXXX XXXX) that were being incorrectly reported and XXXX completed investigation results came back that these  were unverified accounts and they were deleted from my credit report. I also sent XXXX and Experian a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof; I did not receive anything from XXXX and Experian. Yet til this day Transunion and Experian are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX showing that these items were deleted because they were unverified and inaccurate. XXXX and Experian need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (NC)

Thank you for reviewing the complaint. After reviewing the credit report DBA Pargon Avenue which is collecting on behalf of XXXX XXXX XXXX continues to place items on the credit reports. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I have complained 2 times through the Consumer Financial Protection Bureau that I have disputed and re quested debt validation from ARS for a collection they have placed on my credit report that should be deleted. On XXXX ( CFPB XXXX ) I requested debt validation and ARS responded that they could not located the account. I re requested validation on XXXX ( CFPB XXXX ) and ARS stated they were requesting documentation from the original creditor to stall again. ARS is not in compliance with FDCPA 809 ( a ) ( 3 ) ( 4 ) ( 5 ) and 809 ( b ) are in violation of this law they do not have debt validation on this amount that they claim.

They have denied me access to information purposely and should cease collection until further debt is verified and ARS has not been able to do. The initial debt verification request was XXXX and it was denied- there should not be a need to request verification for documents that should be available by now- Please explain how this account was not able to be located. I also would like copies of all documentation mailed out on this account
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/21 I received a request for a product and service that totaled XXXX and required a XXXX deposit as they stated. I spoke with the person via message and asked about the name I saw come through the request I was sent via XXXX. They stated I had the right person. On XX/XX/21 I reached back out regarding my appointment just to be told in a text message I have been scammed to leave them the f alone. I reached out to my bank ( navy federal ) because I used a service they provided unaware I was protected and they stated there was nothing they could do and sounded as if they could care less I was out of my money
Consumer complaint received 2023-04-06
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. (NC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2019-02-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX Submitted on fraud issue since Equifax ignored the reason for complaint, that I want financial compensation for Equifax ILLEGALLY freezing my account when their self serve was broken.

Today I got a letter stating that Equifax UNFROZE my account per the last complaint. They don't know what they're doing and they once again acted ILLEGALLY by removing the freeze. 

XXXX ID XXXX refused to tell me who at Equifax removed the freeze and he didn't understand the notes that are on the account. 

I had him reinstate the freeze. 

I WANT DOUBLE financial compensation for Equifax 's illegal activity on my account.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Transunion to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (VA)

I keep getting phone calls from a debt collector looking for my ex-wife. Her name is not associated with my cell phone number and they should not be calling me about her debts. I blocked the phone number the debt collector called from and now they call me using an unknown number so the phone call will still go through, leaving harassing messages.
Consumer complaint received 2017-05-28
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. (MD)

XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in XX/XX/XXXX , with the subsequent three months showing 30-60-90 days late payment. In   XXXX     XXXX  finally issued a statement ( due XX/XX/XXXX ) showing no amount due and no late payments. The XX/XX/XXXX  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencies (  XXXX ,  XXXX  and Experian ) was to remove the single 90 day late for  XX/XX/XXXX from credit report and not remove the 30 and 60 days late for   XXXX   and  XX/XX/XXXX  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due .
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EXPERIAN Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means EXPERIAN has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

on XX/XX/2021, i sent JEFFERSON CAPITAL SYSTEMS , LLC a letter about a alleged debt of XXXX that i don't owe.i requested the validity of the debt but never received anything from them so i sent them another letter on XX/XX/2021 requesting more information about this inaccurate item that is being reported on my credit.I sent them XXXX certified mail on both occassion. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery and XXXX XXXX sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report XXXX XXXX XXXX I was called a man name XXXX XXXX stating he was coming to my home and serving me in XXXX XXXX. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to report.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CA)

A contract was signed on XX/XX/21 to assume a solar loan in the amount of {$34000.00}. The agreement was recorded on XX/XX/21. 

The first statement the lender provided claims that the loan amount is {$34000.00}. Multiple attempts to correct the issue have failed, the lender has refused to correct the issue.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After having multiple inquiries about loan options, I received a copy of my credit report and see that my credit score has dropped severely. At no point in time has anybody representing the company with which I checked about a loan warned me about the negative impact of a simple lookup of credit. I 'm now unable to qualify for a much needed home loan, and I 'm told that it will take at least 2 years to fix this issue. My dispute is that these inquiries were not made in a fair manner and should be removed from my credit history.
Consumer complaint received 2019-06-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

Ability recovery I called they hung up on me three times. Was even told by one agent I dont have time to deal with people like you. Because I was stressing the fact they had to take off my report. 
I even mailed a copy of the report to them. 
I told them this debt is being disputed thru the department of education. I have a reference number to give them they didnt want it. It clearly states this means the federal government or debt collection companies will stop attempting to collect on the loans until the borrower of defense reviews the process and my application is completed. 
They would not listen and kept stating it will stay on my report. 
Amount is XXXX XX/XX/XXXX 2015
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance One, Inc. (WA)

Added to dispute XXXXStill not crediting payments and not itemizingCourt says Alliance one told them they any amount paid on debt. 

They say on their web apge they are a XXXX office -- -- court says limited times -- Mon -Thurs and other hours on Friday - that they take phone payments -- - but automated service does n't work.
Consumer complaint received 2019-06-03
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)

XXXX XXXX XXXX XXXX IS SHOWING A CLOSE ACCT WITH LATE PAYMENTS. I HAVE NEVER BEEN ON MY ACCOUNT WITH THEM. I WOULD LIKE TO RECEIVE A VALIDATION ON DEBT FOR THIS ACCOUNT.
Consumer complaint received 2017-10-13
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. (PA)

On XXXX XXXX, XXXX XXXX XXXX Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, Experian and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please file below with Transunion. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank refused to honor the stop payment request that I made with regards to this transaction for {$660.00} and my bank is giving a control of my bank checking account to the merchant XXXX XXXX XXXX. XXXX attached documentations from Chase Bank and XXXX XXXX XXXX. Please help. Thank you.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is NO option for cancelling the credit monitoring service on the online portal. When I searched and finally found the telephone number to call the call was routed to an overseas call center where I could barely understand the representative and TransUnion makes every attempt to thwart cancellation of the credit monitoring service. I provided my login, my order number, my name, my DOB but I refuse to provide my Soc. Sec. Number. This should have been more than enough information for them to cancel the NEVER disclosed ongoing charges but they refused. I finally hung up because I could not understand the representative and all she was doing was going round in circles asking for more personal information, or in other words 'phishing. ' Transunion NEVER disclosed this was an ongoing " service '' and refuses to cancel the account without me disclosing far too much information. More it seems that I had to disclose to sign up for their " Service. ''
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

on XX/XX/16 I called Santander Consumer Regarding a written statement for my pay off amount. I spoke to customer service and the lady sent my letter off to my email address. When I got the letter the customer service agent advised me the overnight mailing address was wrong. I asked her why sent out an official letter with the wrong address on it. She advised me the correct address was on their website and that it was out of her hands. I advised her I was turning this letter over to another bank who would then send the overnight check to the address on this official statement coming from them. She advised me it was out of her control and I asked to speak to a supervisor by the name of XXXX. He advise me it was out of his control. He transferred me to their Executive Team. and I spoke to XXXX # XXXX. I asked her the same question, why isn't the address updated on an official document that you are sending out to consumers? She informed me she would have to reach out to their legal team to see if they can change it and she would get back to me in 24 to 48 hours. I think this is totally unacceptable to provide wrong information on a document like this and have payoff payments going to the wrong address. My bank asked for a written statement and this is the document I provide. Now they are going to be sending an overnight payment to an address that Santander is no longer at, according to the supervisor.