davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (AR)

Credit control corp has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe to XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
Consumer complaint received 2015-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.
Consumer complaint received 2019-10-28
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. (CA)

On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of Equifax, XXXX and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

see attachments

DELETE ALL PERSON INFORMATION FROM MY CREDIT REPORT BESIDES THE FOLLOWING:

 XXXX XXXX XXXX

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-09
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: CL Holdings LLC (TX)

Company name JEFFERSON CAPITAL SYSTEM .date XX/XX/XXXX. 

Company is false reporting under my name .I made no inquiries to this company on such date. I called several times about this issue and nothing has been done. 

This debt is the statue law of limitations! Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Subchapter ( 15 U.S. CODE S 1681 ). 

The above date is an incorrect date. The original date is stated XXXX XXXX. From The company XXXX XXXX XXXX Which the debt is being passed off to JEFFERSON CAPITAL SYSTEM. Which I never agreed too. 

This is now fraudulent activity on my report and I deman this to be removed under the Texas state law of statue. ( Any ) person who willfully fails to comply with any requirements imposed under the Texas state law of statue with respect to any consumer is liable to that consumer in any amount in the sum of-
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Equifax is reporting outdated information and I am within my rights to request the removal of the outdated creditors. I am asking for the deletion of the following outdated creditors : Names : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Told them to stop calling my number was register to the National do not call registry, and i never give them permition to call me, but they keep calling me, and also calling my husband disclosing the reason of the call, treating me. They keep harrassing me, calling always from diferent numbers. ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They keep violating the concent order imposed by CFPB
Consumer complaint received 2022-03-11
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. (TX)

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
IT SHOW THAT MY NAME IS XXXX XXXX MY CORECT NAME IS XXXX XXXX XXXX PLEASE DELETE XXXX XXXX FROM MY PROFILE THANK YOU I am requesting that the item be deleted Enclosed are copies of MY ID XXXX XXXX   XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with the FTC
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (WA)

I have received ( and continue to receive ) automated calls, roughly twice per month from CMRE Financial Services. CMRE is attempting to collect debt from someone who is not me, a friend, relative, or anyone I have ever heard of. I have called CMRE 3 separate times to inform them that they have the wrong number and to please stop calling me. They have not done this and continue to call me ( most recently today XX/XX/19 ).
Consumer complaint received 2018-01-04
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. (NY)

I have three unauthorized credit inquiries on my Equifax credit report. One unauthorized inquiry is from XXXX dated XXXX/XXXX/XXXX. The other two inquiries are from XXXX. One inquiry is dated XXXX/XXXX/XXXX and the other is dated XXXX/XXXX/XXXX. I did not request theses credit inquiries from these two online/mail order clothing companies.I already have credit cards with XXXX and XXXX. I also contacted XXXX and XXXX and spoke to customer service representatives and they stated that they have no records of the credit inquiries that are on my Equifax credit report. I do not know why theses hard inquiries are appearing on my Equifax credit report when I did not request theses hard inquiries. I did not ask for credit card increases neither because XXXX and XXXX periodically give credit card increases. I want theses three credit inquiries removed from my Equifax credit report. Equifax has not removed theses three credit inquiries after I dispute this with them two times.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. 

Please help!
Consumer complaint received 2017-07-14
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now Navient put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello my name is XXXX XXXX and I've been banking with Bank of America since XXXX. First they stopped my online for {$23000.00} date XX/XX/XXXX. Without calling me they cancelled my transaction. When I called they they asked me to visit the financial center and i visited the XXXX XXXX XXXX branch located in XXXX, MA. The banker called the online people and I spoke to them as well sitting in the bank, I was been told everything has been taken care of now and my account is in good shape, now when I am lying down in bed due to my medical conditions for my both knees replacement I used my online to pay my bill in the amount of {$5700.00} on the XX/XX/XXXX which again they cancelled, Then I tried to purchase clothes using my debit card on the XX/XX/XXXX it got declined. They have closed my online access, my debit card and want me to drag my bed to the financial center. They called me themselves several times through all means of communications. Instead they want to see me in branch with my bed.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MD)

Deposited Insurance check {$7500.00} for medical emergency and cash {$100.00} in Chase Bank account on XXXX. Receipt said funds would be available XX/XX/XXXX. I called customer service on XXXX after depositing at bank to ask about when my check would clear. They tried to call my insurance company while I was on the phone to verify but told me they could not reach them and verify the check with the issuer and to just wait until XX/XX/XXXX for the check to clear in the system. Was also told my entire account was restricted. I waited until XX/XX/XXXX and I saw that the funds were deposited but not available. Called Chase again XX/XX/XXXX to find out what was wrong. Was told my account was scheduled to close XX/XX/XXXX or XX/XX/XXXX because they seem to not have tried again to verify my check during the XXXX clearance period. The representative called my insurance company and was able to verify the check and told me she sent a request to reopen the account which would take 1 business day. 1 business day later I checked the account and it was closed. There was no account on file. I called again XX/XX/XXXX and spoke with a rep about my account closure. The rep said the request to reopen the account was sent but was never reopened by back office. They put in another request to reopen the account and told me to wait 1 business day. I checked the account again 1 business days later, and saw it was back up however saw all the money was withdrawn out of the account, my debit card was no longer usable and the account was still restricted. I called again XX/XX/XXXX to request again for my funds to be located and my account to be opened. I was told the money would be placed back in the account that day or the next and the another request was placed to remove the restriction from my account. Waited Friday and over the weekend and checked again Monday XX/XX/XXXX and saw no change. Called again and was told the same thing ( requests were submitted to remove the restriction from my account but never happened ), also asked where the funds from my check were. The status of the cash deposit was listed as available but the check was still missing. The rep made another request to the back office to lift the restriction off my account and told me to wait 1 business day. The next day XX/XX/XXXX, still the same. I called again and the rep told me the same thing ( request sent, wait 1 business day ). I waited 2 days and checked again XX/XX/XXXX, still no change. At this point I dont know where my money is and have been completely inconvenienced because Chase failed to follow through on their end to call to clear the check ( which they made it seem like that was my fault/task ) and failed to resolve the situation by reopening and locating my funds. This has not been resolved for 20 days now. I need the funds to pay for my XXXX on XX/XX/XXXX.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

on XX/XX/XXXX National Credit systems responded to my proof of validation letter by sending be a packet and my signature has been forged. I sent a letter back stating that it is my signature is not the signature on the paperwork that they sent me. I also sent proof of my signature via drivers license and other signed documents. NCS ignored my letter. I called them several times to ask who signed my name on the paper and the represent ivies that they transfer to me will start to yell. I Sent another letter asking for validation of the signature and validation of the contract, They sent back they same exact packet that they sent before dated XX/XX/XXXX. This is not my signature and also not a valid contract. A Contract must show valid signatures of the parties to the Contract instrument, in order to verify its validity in law. Contract must be a deliberate and conscious agreement made between competent parties. there is only one signature on this " so called '' contract. Also, the lease expired on XX/XX/XXXX I then went on a month to month lease with the company and worked for rent. This paper that NCS sent me states that the reason that I moved out was because I no longer worked for rent. NCS must prove that I owe XXXX to them or any company that they are representing.
Consumer complaint received 2017-09-13
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. (GA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc. (TX)

This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

US BANK MORTGAGE XXXX InXX/XX/XXXX we purchased a new home via XXXX XXXX who then sold on the mortgage to US Bank. By XX/XX/XXXX they said the ESCROW has roughly a {$1000.00} shortfall. This is unusual as the Property Taxes were reduced from the XX/XX/XXXXcalculation after a successful appeal to XXXX obligation board. <P/>Therefore the ESCROW should show a net positive. <P/>Also US Bank signs the ESCOW as correct for the first 2 years when buying the loan so any shortfall is down to them under mortgage buying rules.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

My complaint is on Ditech,  XXXX   XXXX   XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get  XXXX   XXXX   XXXX  to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My   XXXX   is back and I need a refinance.
Consumer complaint received 2017-07-13
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: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERVIC~ {$130.00} ~Opened XX/XX/XXXX ( XXXX ) CREDIT CONTROL SERVICE ~XXXX~ opened XX/XX/XXXX ( XXXX ) I have submitted Disputes through the credit reporting agencies and have asked how the debts were verified and they can not give me an I have verified that both collection agencies are not licensed to collect in Florida
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has refused to process my request for a letter of deletion of the inaccurate derogatory information of an alleged bankruptcy they sold to Transunion LLC in XX/XX/XXXX. Transunion has violated the FCRA by buying a third party furnisher company called XXXX erroneous reports of inaccurate and negative information to destroy my credit and cause creditors to decline my credit worthiness or discriminate by charging higher interest rates for their products and services. Transunion and XXXX has willfully, negligently, recklessly, and repeatedly failed to perform reasonable investigation within 30 business days as required by FCRA and failed to remove the inaccurate information from the " public record '' section of my Transunion credit report. XXXX has failed to verify my identity but stole my personal data to use it for their deceptive acts. Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is liable to me for willfully and negligently failing to comply with the requirements of 15 U.S.C. 1681i ; 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( b ) .The conduct of XXXX XXXX XXXX was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to me that are outlined more fully above and, as a result, XXXX and Transunion is liable to me for the full amount of statutory, actual and punitive damages, along with the attorneys fees and the costs of litigation, as well as such further relief, as may be permitted by law when I file a civil lawsuit. Transunion has not updated their files to remove the inaccurate alleged bankruptcy that has not been verified by an Attorney of a original notarized statement or contract of who can testify under oath that an alleged bankruptcy occurred. XXXX has consistent sent letters in the past few weeks asking for my social security number and identity information so that they may use it against me. They have mistakenly identified me as a Man and emailed me asking me for identity information. I have not given XXXX any authorization to use my personal information. Transunion and XXXX has engaged in unfair debt collection practices
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (IL)

i have a collection on my credit from advanced collection for {$24000.00} from   XXXX    XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for
Consumer complaint received 2017-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.