davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (WI)

Signed up for XXXX Payments and activated REI promotion which provided 20 % cashback. Made one purchase for {$100.00} on card associated with promotion. Purchased tracked, but at {$0.00}, and has never updated over a month later. Dozens of attempts to work with XXXX customer service have lead to a runaround and repeatedly asking for the same information or documents that have already been provided in the same email chain. Clearly unethical and fraudulent business practices, baiting and switching on an offer, then hoping I go away after running me around. Consumers rights are being violated by this quasi-monopoly.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK (FL)

I found this company  E Loan   XXXX  online very easily. They said they could get me a loan with a very low interest rate, long payoff time for {$1000.00} to {$3000.00}. They wanted me to go to  XXXX  to purchase   XXXX   cards - which I did  ( { $100.00} worth taking out {$100.00} from  XXXX  to do this ). After that they did deposit checks ( fraudulent ) into my account from which I purchased more  XXXX  cards. All told {$700.00} of  XXXX  cards were purchased.
Consumer complaint received 2017-09-07
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: CCS Financial Services, Inc. (AZ)

I had sent a letter to this Creditor asking for verification of this debt, the original signed contract as well as payment history for the account. It 's been over 45 days and I have not received any notifications or validation of this debt.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I was looking around for a mortgage and spoke to XXXX XXXX from AmeriSave mortgage. I decided to not get prequalified because she wanted me to take a higher interest rate now and refinance in 6 months. I knew this sounded wrong and not how banks generally offer loans. I declined this offer but wanted to notify somebody of this companys offer because this is definitely predatory lending. At a more vulnerable time in my life I may have fallen victim to it, but now I understand I have to shop for a mortgage just like anything else.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of  XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX $ from midlands credit collections a third party company that calls and harassing me and I told them I'm not able to pay do to fraud and my information was stolen and they keep calling and I'm trying to fix it
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-06-23
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: Receivable Management Group, Inc. (GA) (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-09-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

To whom it may concern : I have attempted to contact the XXXX XXXX  XXXX XXXX ( where I was a resident/homeowner of seventeen years ) concerning a collection account that was erroneously placed on ( apparently a three credit bureaus? ) This of course has negatively impacted my credit profile, and has been exacerbated by the fact that the falsely RE- report the date of origination of ( initial collection ) in such a way as to make the alleged amount owed them/collection account ... appear to be recent, when in fact this matter has been on my credit profile for nearly FIVE years. 
The City ( via their collection agent ) is alleging that I owe {$140.00} Thank you in advance for your help with this matter. 

Sincerely, ' XXXX XXXX
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2021, I formally contacted American Express to close my personal AmEx Gold card ending in XXXX. I received confirmation from the American Express representative that the account was closed and that no further transactions would be processed on the account. As a result, I was under the impression that the account was closed in its entirety. 

Much to my surprise, on XX/XX/2021 I received notification from American Express that there was an outstanding balance of {$560.00} because there was two transactions that AmEx processed AFTER my account was closed, including : 1 ) Transaction # 1 - {$14.00} processed on XX/XX/2021 2 ) Transaction # 2 - {$550.00} processed on XX/XX/2021 In addition to processing these transactions without my authorization, AmEx is threatening to assess interest charges on the unpaid balance even though these transactions took place AFTER I closed the account and the transactions were processed WITHOUT my approval. As a result, I am contacting CFPB to request support, as I believe that I should not be liable for these transactions.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (NY)

After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.
Consumer complaint received 2021-01-31
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. (FL)

After challenging Experian on a inaccurate inquiry i do not recognize back in XXXX, of 2020. 

Inquiry : XXXXXXXX XXXX XXXXXXXX, i do not recognize this creditor. The company has not provided or extended any credit line or loan. as a result this inquiry has no permissible cause to report this account. Which violates federal law.
Consumer complaint received 2020-04-10
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. (TN)

I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXXXXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX   {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CO)

I had just pulled my Credit Report and had saw DEVILLE MGMT was reported on XX/XX/XXXX. I am not sure why it is now showing up when this has been resolved and paid in full. I have enclosed the letter I have received in XX/XX/XXXXsaying this was paid in full
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (NC)

I applied for a loan with Lendmark Financial. Upon them obtaining my employers information I informed them I was not allowed to have personal phone calls of any kind. Informed them just to leave a message with my other contact number and I would get back to them. My supervisor sent me an email advising me that a representative from Lendmark Financial has repeatedly called asking for me to return his call. Specifically the email was received on XXXX. I have also received texts and phone calls from my supervisor over the same matter.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX   COURT   XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s ( Equifax,  XXXX ,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Mr cooper accepted my modification allowed me to make 3 monthly payments and I did this on time each month, then at the end of the trial period they said congratulations we will send you out paperwork to sign and then 3 days later they denied me. 
They are now telling me to resubmit all the paperwork again only for me to be denied again. 
According to my lawyer the investor would have had to agree to the modification to allow me to have a trial period and as I made the payments on time I should never have been denied. 
If the investor had any concerns they would never have allowed a trial period. 
I've been trying to work this out with Mr Cooper and all I get is stumbling blocks that is forcing me further behind on my mortgage. 
I will be reporting Mr cooper to the BBB and contacting my attorney General regarding this.
Consumer complaint received 2021-06-23
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. (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.
Consumer complaint received 2021-06-23
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. (NV)

I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).
Consumer complaint received 2018-02-15
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: EQUIFAX, INC. (OK)

There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with XXXX   as well as sending them a certified letter for which I got no response. Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (PA)

Receivables Management Partners , LLC ( " RMP '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ). RMP is attempting to collect on an alleged debt that was not authorized by the original agreement. ( see 15 USC 1692f ( 1 ) ) On XX/XX/2022 I filed a complaint on with the CFPB regarding an RMP collections account partial account # XXXX ( Account ) with a balance of {$490.00}. ( See ex. A ) The complaint was filed against XXXX as I wanted this off my credit report. 

XXXX responded to my complaint on XX/XX/2022. In the response they stated Regarding one disputed item, at your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. 

There is no way that RMP could have verified the alleged debt. I have no contract with RMP nor have they ever provided me with an agreement that explicitly gives them the authority to collect. So how could the information be verified? 

RMP has violated my right to privacy, the FDCPA and committed fraud. They are also participating in racketeering activity. These crimes and violations are serious offenses ; some which are punishable by up to {$500000.00} in fines and 20 years imprisonment.