davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
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: CITIBANK, N.A. (FL)

I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Macys Acct XXXX Macys responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XXXX XXXX XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2020-09-06
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: Experian Information Solutions Inc. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC. (NC)

I PAID XXXX OF XXXX CLOSE TO XXXX IN OUT OF POCKET EXPERIENCES. I TOLD THEM BEFORE CONTINUING TO MOVE FORWARD WITH ANY SERVICES MAKE SURE EVERYTHING WAS BECAUSE I DON'T WANT NO HIDDEN POP UP COST. THEY REASSURED THAT THERE IS XXXX DOLLARS OWED. NOW THEY ARE SENDING FALSE SOLICITATIONS ABOUT MONEY OWED. I DON'T OWE GEORGE BROWN ASSOCIATES INC AS THEY DO NOT OWN THE CHAIN OF TITLE TO THE DEBT AND I DIDN'T ALLOW THEM TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION. THERE ARE VIOLATION ON THE FAIR DEBT CREDIT LAWS. THIS COMPANY NEED TO CEASE AN DESIST ANY FURTHER COMMUNICATION VIA US POSTAL SERVICE OR ANY OTHER FORM OF COMMUNICATIONS. IF THEY REPORT ON ANY 3 CREDIT BUREAU AGENCY THEY ARE ASSUMING LIABLE DAMAGES FOR {$2000.00} PER DAY FOR FRAUD AND HIPPA VIOLATIONS. I HAVE FILED A CFPB COMPLAINT ON XXXX OF XXXX AND CFPB REFERRED THE COMPLAINT TO ANOTHER DEPT.
Consumer complaint received 2022-04-26
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. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX and TRANSUNION XXXX 30 days late in XXXX XXXX 60 days late in XX/XX/XXXX, XXXX XXXX, 90 days late in XX/XX/XXXX, XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and 180 days late in XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (IN)

I am having difficulty getting CMC Funding to apply my payments properly. 
I always overpay my monthly bill to reduce the principle faster, and therefore pay less interest over the term of the note. 
I will attach to the complaint proof of my payments and the monthly statements from CMC Funding. I will also attach a spreadsheet showing each payment and how much should have been applied to principle from each. 
If you examine the statements from CMC funding you will see that my they put money into something called suspense. And, if they are applying my payment properly, how could my payment due XX/XX/XXXX be negative {$500.00}? 
I have called them repeatedly about this, and they claim they will correct it. I have asked for, and spoken to, a supervisor at CMC Funding, and was told every time they would correct the error. And then I get the next statement and it is still wrong. 
I think they are deliberately applying my payment wrong to charge me more over the life of the loan. If this is not illegal, it should be. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX XXXX
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have had a XXXX XXXX account reporting on my Equifax, XXXX  and XXXX   for a while now as a charge off status, XXXX  has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, Equifax has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX Case Number XXXX is NOT my debt I never had a XXXX credit card and Calvalry is trying to sue me for something that is not mine. I never opened authorized or used a XXXX Credit card.
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XXXX XXXX, 2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2019-08-09
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: AMERICAN HONDA FINANCE CORP (NJ)

XXXX XXXX-VIN # XXXX This vehicle was repossessed by American Honda and sold on or about XX/XX/XXXX. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX and Transunion will not remove this account that is over 7 years old the company say they have no control over how long it stay on my report then they say they dont even show me having an account with them. I want XXXX XXXX XXXX removed from my credit report
Consumer complaint received 2020-09-06
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. (MI)

On XX/XX/2020 I sent a complaint to Experian about some incorrect information on my credit report. It has been almost 3 months and they have not updated me on the report or taken action. This is terrible. On XX/XX/2020 I submitted a complaint to the CFPB and they denied taking action for some odd reason. This is ridiculous. I am stressed. I just want my complaint to be investigated and taken seriously. With COVID 19 this is not another stress that I need. Please can someone look into this? I have been patient enough.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Equifax made it impossible to file a fraud alart online. They then require a written application, and copies of your identity and residency documents be submitted by mail. This requres a printer and copier, and days if not weeks of time, especially with slow mail delivery due to Covid-19. In the meantime, identity thieves could be causing you massive damage, but Equifax won't care because they aren't being held liable, like they should be The solution to this probably requires rulemaking or enforcement action. They should be required to immediately accept any fraud alert application without verification of identity, because what is the downside for a consumer to have a fraud alert on their file? None. It just makes it harder for identity thieves. Failure to accept a fraud alert should make them liable for triple damages and attorney 's fees for consumer losses after the attempt. This is the same company that exposed the complete credit files of more than half the country in 2017. It is long past time for the government to crack down on these wrongdoers hard with regulations and extensive regulatory oversight.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (NJ)

Since XXXX, 2019, I have been asking this company for information verifying this debt, but all I keep receiving is a billing statement with phone numbers that I do not own. There are no verifying documentation given. The credit bureaus keep stating that the account has been verified, but I'm confused because I've gotten nothing from the creditor to verify this debt.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (AZ)

I have disputed this debt, I know for a fact that prior to XX/XX/XXXX i had not opened any accounts since XXXX. I mailed them a letter, attached and that was first week of XXXX  XXXX. I have not heard back - i did notice my credit report now says i disputed it and it meets fcra requirements. This is not my debt
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (TX)

Experian has reported fraudulent information on my credit report and will not attempt to remove it. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent account history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account history. According to the FCRA, I would like the account to be removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my HAND written instructions.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

ON XX/XX/2020 A CABLE BILL WAS OPENED UP IN MY NAME WITHOUT MY CONSENT. THE BILL IS {$980.00} DOLLARS. ORIGINAL BILL IS XXXX BUT NOW THIS COMPANY IS TRYING TO SAY ITS MINE.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XXXX XXXX and XXXX XXXX, XXXX I was mailed letters from XXXX XXXX describing a balance due. Upon inspecting the letter it was discovered that rather than my name in the letter window, my entire social security number was listed on both letters received. Upon opening the letters it was discovered that my entire social security number was listed on the document. I reached out to XXXX XXXX when the letters were opened on XXXX XXXX and spoke to the customer care supervisor.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX, Chase closed my credit card accounts unexpectedly. I tried to use the cards for ordinary purchases that day and the next, without success. I soon received a letter stating that my cards were closed for 2 reasons : sudden increase in spending, and accounts not used as intended. Reason number 1 is no less than fraudulent- I have been a Chase cardholder for almost 10 years with perfect payment history. I have used the card fro large auto repairs, remodels, and vacations. My recent spending has been no different. The second reason is unfairly vague. In speaking with customer service, the representative rudely and vaguely stated that the Bank " frowns on '' the use of my credit line for Authorized users in credit repair business activities. He could not tell me that my activity was against my cardholder agreement, but stated that by his review, the accounts would remain closed. The explanation provided by the letter is unfairly vague and his decision referred to no literal infraction of our agreement. I feel that the account closures are unlawful. I have been an exemplary customer and I have an 800+ credit rating. The Bank 's actions do me harm in closing 2 of my lengthiest credit lines in my credit profile. I will be seeking legal advice regarding recourse for damages and credit lost.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc. (FL)

on XX/XX/2019 I settled an account in the amount of {$1000.00} with agent XXXX at ext XXXX company phone # XXXX on XX/XX/2019 I called and requested to speak to a supervisor were aggressively and unprofessional on multiple call backs and being hung up on by a representative who refused to give her name on a recorded line, only identified as employee ID XXXX. I was never transferred to the XXXX at ext XXXX who was previously in charge of my account I was never transferred to to manager or supervisor, I ask questions that as a consumer I had the right to ask : Have you received my consumer dispute from XXXX if yes yes what was the date of receipt? Have you sent an XXXX request to the 3 major credit bureaus requesting that this account be deleted from my file, if so when, because I called XXXX XXXX and XXXX and they have not received any request from Southern Management Systems. I preceded to ask employee ID XXXX, if the call was being reported and if she was aware that I had rights to ask the questions I asked under FCRA, she proceed to tell me that I was being condescending and annoying by calling repeatedly and hung up on me
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

Hi, I transfer funds XXXX out of my bank account ( XXXX XXXX ) on the XX/XX/Aug2019 to purchase bitcoin   to my wallet with Coinbase, unfortunately it hasnt shown on my Coinbase account, I have contacted Coinbase many times via phone and email and all I get in the form of a response is its being looked into and we will get back to you for a bank reverse. I would like to add there on guidelines state it takes 3 working days??? its the XX/XX/XXXX and has gone beyond these guidelines. 
The only actions the company has taken is emails saying they will get back to me and it has been escalated .which has not happened
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX to XXXX in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to LA and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to LA, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each artist will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Attempting to access Experian account and unfreeze the credit reporting in order to open up a new line of credit Experian does NOT allow one to speak to a live operator on ANY of there numbers provided They also do NOT allow one to access their file on line There is NO WAY to contact them at all.