davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (KS)

On XX/XX/XXXX Central States Recovery reported a medical debt which they claim I owe to my credit report. This is for XXXX dollars. They never tried to contact me, and all of my contact information from the original account is still the same and or has been updated as such. They also reported incorrect dates and other information so that they can avoid the No Surprises Act and violate my rights under such law. The account they are claiming I owe is from a car accident which I wasnt at fault, and it is still in litigation. My attorney- XXXX XXXX XXXX XXXX reached out to them unsuccessfully and is trying daily. This shouldve never ever been reported to my credit. They have violated multiple rights - No Surprises Act violation, they furnished inaccurate information to the consumer credit agencies, and they never even contacted me first - to allow me the opportunity to inform them this matter is still in litigation I do have an attorney - XXXX XXXX, and regardless to settle the matter I wouldve paid right then. Instead, they chose to destroy my credit instead of any due diligence or contact. If they say we had incorrect contact information my info hasnt changed in 3 years and this happened less than a year ago, and XXXX, XXXX, and XXXX all have my correct information updated so they clearly didnt try to do any diligent research before just parking this on my debt. I believe this was done because the main XXXX credit reporting agencies mentioned above issued a statement recently that beginning in XXXX, they will no longer list medical debts under {$500.00} and this was an attempt to do a mass collection or provoke as many payments as possible while they still have the opportunity and in doing so they completely violated many of my rights
Consumer complaint received 2021-07-06
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: Onity Group Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

On XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX put a fraudulent collection on my credit report. I have never had and business transactions with this company or XXXX. I have ask all party 's to remove this from my credit report.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I filed bankruptcy back in XX/XX/XXXX, it was discharged in XX/XX/XXXX. On my bankruptcy I included a lender by the name of Credit Acceptance. I financed a XXXX that I willingly gave back after I filed bankruptcy and which has been auctioned off. Mind you, I never have been late in my car payment, and once I file, the company is not allowed to report to the credit agencies during bankruptcy. Credit Acceptance has continued reporting negatively as if I havent made a car payment in over a year. My account is also listed as open. I filed 2 complaints with the company, it was supposed to be off my credit report by the XXXX of XXXX. Credit Acceptance refuses to give me anything in writing due to me filing bankruptcy over a year ago and still is not removing the false information and its causing me to be denied for things. Im reaching out as a last chance to have them remove this before I begin the process of suing the company.
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

Great Mercantile Agency has initiated a negative credit collection on all credit agencies but i have no knowledge of any debt owed to them or any other entity as i have paid any and all debts. Therefore, this is either fraudulent or a grievous mistake by Great Mercantile Agency. This claim must be removed from all credit reporting agencies please as it is groundless. Thank you.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Recently I recieved the decision for my latest dispute of the late payment on my payment history. I am asking if it were at all possible to remove the late payments from my acount. I am attempting to clean up my credit score as I have been very strict since the incident to be on top of all bills that I have. I would really appreciate the opportunity to remove the late fees as I continue to stay a member of Capital One. Is there any thing that I can possibly do to remove the late payment marks? Thank you.
Consumer complaint received 2017-12-02
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: EQUIFAX, INC. (TX)

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put Equifax, XXXX, and XXXX on notice and they have not complied within 30 days time frame.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Plato, LLC (NC)

This company offered a service that they did not deliver. I filed a complaint with the XXXX  and received a refund from Simplio Labs. I am attaching all complaint I made against this company. I provided my updated credit report in which the type of business of this company is not listed.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

I received a solicitation for a credit card from Elan Financial for a Fidelity branded credit card. The application was rejected and XXXX claimed I clicked decline on the online application. I asked to rectify and they said they would not honor the offer and they offered another card with less favorable cash back terms. The original offer had not expired and their behavior was typical of bait and switch schemes. 

I have sustatial deposits with Fidelity and a XXXX XXXX XXXX
Consumer complaint received 2017-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: California Business Bureau, Inc. (CA)

I thought I was paying a debt I owed to the a state of California agency. This caused distress as I am a XXXX XXXX XXXX. I paid the debt not realizing that it was actually a debt collection company for medical debt. The name California Business Bureau is very misleading and is purposefully intended to trick consumers and pressure them into paying by associating itself as a state agency or credit bureau. 

Pursuant to Federal Trade Commission ( FTC ) Opinion Letters XXXX ( XXXX ) and XXXX ( XXXX ), CALIFORNIA BUSINESS BUREAU, is in violation of Section 807 ( 16 ) of the  FDCPA which states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This company is engaging in capricious activity and attempting to mislead consumers by associating itself with the state of California and as a credit bureau.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

This has been an ongoing battle with Charter Communications for the last few years. I have had this dispute taken off my credit several times and it seems like the company keeps selling this and putting it back on my credit! I am going to involve an attorney now.
Consumer complaint received 2017-11-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc (WA)

I got letter from this collection agency base out of Washington XXXX and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA.
Consumer complaint received 2018-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion after I received a copy of my credit report in XX/XX/2018. Over the last 6 months Transunion has given my, an identity theft victim, the run around of trying to get the fraudulent accounts and inquires off. I have several accounts and inquires that are not mine. I was even told a fraud alert would be on my credit, I'd be contact before they went forward with an inquiry or new line of credit. However, here we are, and I'm still getting fraudulent inquires. I've finally decided to involve the FTC and have filed a identity theft report with them, I'll be contacting my general attorney if Transunion countines to report fraudulent accounts.
Consumer complaint received 2015-09-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages inn XX/XX/XXXX thru a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called PFR and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( XXXX ) had the info. When I called XXXX they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called PFR back with the findings they told me that they owned the debt and XXXX should not have told me any thing when I called XXXX back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.
Consumer complaint received 2021-07-06
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. (MS)

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2022-09-10
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 3. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 4. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 8. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX 11. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I transferred by Coin Base holdings into my personal XXXX account and I have never been credited by Coin Base. I have sent several emails but with no response or solution to my transaction. There is no customer service number that is operative in order to speak to a live representative in regards to my transaction. The transactions on XX/XX/2020 where : 1. {$220.00} 2. {$160.00} 3. {$350.00} 4. {$46.00} I sent all of these transactions to my email : XXXX and was never credited. I am attaching the report with the " send '' transactions highlighted in yellow.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I opened a Checking and Brokerage account with Charles Schwab in XX/XX/XXXX. I immediately funded said accounts and purchased stock using the Brokerage account. A few days after opening, Schwab locked both accounts claiming they believed them to have been opened fraudulently. Since that time, I have contacted Schwab numerous times ( 12 ) and supposedly given them all the information they need to regain access to my accounts. Each time I have been told that another office will remove the block and give me back access in 3-4 business days. It has been 6 months of going through this and still haven't regained access. I am obviously being given the run around, which was honestly unexpected from a company like Schwab.
Consumer complaint received 2021-07-06
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. (VA)

Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

Nelnet keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that nelnet be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as nelnet is doing illegal collecting and reporting practices
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}
Consumer complaint received 2018-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Mortgage contract states that my cushion for my escrow is suppose to be XXXX and never to go above that amount. Freedom Mortgage refuses to abide by mortgage contract and service VA loan correctly. By failing to service the mortgage correctly Freedom Mortgage has set there own cushion amount at XXXX. This en turns allows them to raise the amount of my mortgage payment. I have told the mortgage company about this many times and showed them the violation in my contract. They still refuse to fix this issue.