davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (DC)

Last month, ERC reported to the credit reporting agencies that I owe about {$2500.00}, a debt that occurred as a result of identity theft/fraud. The original creditor listed for the debt is the company XXXX. This debt was initially reported under a company called XXXX XXXX in 2018 and it was removed from my credit report after I disputed it and provided information to the credit reporting agencies regarding the identity theft. Now, two years later, the debt has been re-reported and placed on my credit account - this time, under ERC. I received no notice of this and only found out after it triggered a credit report alert. I then once again disputed the account with the credit reporting agencies and the original creditor, however, I was advised to contact ERC as they currently own this debt. After multiple calls and being transferred after long wait times, I sent ERC an official request via certified mail for verification and validation of the debt per FDCPA, which states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b ). The delivery of the letter has been confirmed via the USPS but I have not received any response, and the derogatory information continues to remain on my report. 

The original issue is that I had a cellphone on my mother 's XXXX account and someone was able to open two separate lines. At the time, our home was under total re-construction due to a main water pipeline that bursted in our home, making the home uninhabitable. My insurance company had relocated us to a hotel for a month, then an apartment close to my job in Maryland. Because of the logistical challenges, we weren't regularly checking mail in Virginia and therefore, did not see notices coming to my home regarding the two phone lines. By the time we discovered the large balance on the account and what it was the result of, it was too late and the account was on its way to collections. The home had contractors and builders coming in at all times of the day for several months so anyone could have had access to my mailbox, as well as sensitive paperwork that remained in the home even during the construction. 

It is also important to note that my name was only on the account for Caller ID purposes, but not as a primary account holder, therefore, I had no financial obligation to XXXX. I am attaching a copy of the only bill we received from XXXX and it is not under my name. This is why I requested from ERC proof of a contractual agreement between myself and XXXX. But I have not received any response to this request. Furthermore, we were not made aware of any debt collection efforts beyond the XXXX bill we received until after it was placed on my credit report. Nor did I receive any notice that it was being reinserted in my credit report by ERC.
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AR Resources, Inc. (VA)

Called my place of business as first attempt to collect debt and was rude to the admin personnel, when asked for a reference to the call, he would not respond, just simply repeated my name over and over. After calling my place of business, he immediately called my mother in law, who is going through XXXX with my father in law. She was startled and worried as he was rude to her saying I had to call right away. She was upset and became worried about our financial situation. She is not involved in our finances and as most we did not want her to be involved in our medical bills. I never received any phone calls nor did my husband and we are the obvious numbers that would be first to call if there was an emergency. The collection agent, XXXX XXXX with AR Resources Inc. chose to call my place of business and violate First amendment 18 Pa.C.S. 2709. Harassment. by communicating without stating why he was calling, even when I returned his call. Everyone at my work now thinks I have financial problems as well as my mother in law. His agency has only had my account a few days. Imagine the damage XXXX XXXX would have caused had I not called another agent and paid my account in full today.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

Called Home Depot to request a copy of a receipt or charge in 2002 for XXXX ( XXXX XXXX XXXX XXXX ) because XXXX  XXXX ( XXXX ) refuses to honor the warranty if I cant fond the receipt even though I initially registered the product. According to XXXX XXXX XXXX , Home Depot Credit only maintains record for 2 yrs. I was sent given several telephone # ( s ) to call, hold time ( terrible service ) : XXXX ; XXXX ( given 2x-called on 2 separate occasions-one with CSR ) ; 1st time, a female named XXXX claimed doesnt have the capability to look up the information & transferred me. Filed a complaint # XXXX.
Consumer complaint received 2020-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

ITS BEEN 60 DAYS AND I HAVENT RECIEVED CORRESPONDENCE FROM EQUIFAX. I AM SUFFERING CAUSE THESE INACCRUCIES ARE BEING REPORTED ON MY CREDIT. EQUIFAX NEEDS TO FIX THIS PROBLEM ASAP
Consumer complaint received 2018-01-16
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 have multiple credit inquiries on my account that were not authorized nor did the reporting companies have my consent to run my credit. I even have a few companies that reportedly pulled my credit report multiple times within a time span of 3-7 days. In XX/XX/XXXX I was searching for a new vehicle and I because I knew how dealerships worked, I specifically told the salesman at XXXX XXXX to only run my credit ONCE with the one lender that would give me the best rate based off my income and the range of the credit score I provided. My car is financed through XXXX XXXXXXXX XXXX. Once I was able to receive a copy of my report I immediately saw they did exactly the opposite and ran my credit report through multiple companies, WITHOUT MY CONSENT. Around that same time I did also call XXXX to inquire about vehicles and the process and that company also ran my credit, reporting in multiple inquiries, without my consent. I contacted the credit bureaus to have them delete the inaccurate information and they told me to contact the companies that reported the inquiry. When I contacted the different companies they told to contact the credit bureaus to have the information removed. I once again called all three credit reporting bureaus but this time was told that inquiry are a " factual request of my credit information '' and therefore could not be deleted, whether I gave my consent or not. I also told them that in between the years of XXXXXX/XX/XXXXmajority of my inquires had indeed fell off due to a system error and breech but were illegally placed back on my report. I told the companies that by law they had 5 business days to notify me of such activity and they apologized for the system error but still refused to delete the inaccurate information.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called each to request documentation and none stated they have written documentation bearing my signature showing I authorized the credit file but the information was done online. Per the FCRA, I am writing to dispute and request the following inquiries be removed as I did not authorize them access to my credit file. 

XXXX from XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
XXXX from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
XXXX from XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX XXXX XXXX via XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX  XXXX via XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online.
Consumer complaint received 2023-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A credit of nearly {$200.00} exists on my credit card. Consequently a refund has been requested. XXXX id # XXXX was asked to send the refund to the same address, the only address, they have on file which is the address where they send my billing statement. The employee refused to send my refund although she had my account available with my address in plain view. 
Verbalizing my address in public is unreasonable especially when the employee has it in plain view. 
I was told that Capital One would not send me my money. 
This seems to be an excuse to hold onto money that doesnt belong to them.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (GA)

I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from Equifax, XXXX, nor XXXX. They have inaccurate information on my credit report. Equifax, XXXX, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CU Recovery, Inc. (GA)

On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.
Consumer complaint received 2015-08-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (MI)

I had XXXX student loans serviced by Citibank. I fell on hard times around XXXX. My situation got better and I was able to pay in full what I believed to be the full amount for the XXXX loans. That was an error by me. Zoom ahead to XX/XX/XXXX and my wife and I are looking to purchase our first house. Our credit score and down payments are in order. To my dismay XXXX loans are still showing a balance. I take responsibility for not realizing these were not included in the full amount that I paid in XX/XX/XXXX. However, when I tried to pay the remaining two loans I have been told that I can not pay on these because they have been charged off and that Citi is no longer collecting on them. Months later I get a XXXX in the mail regarding a cancelation of debt regarding these accounts. This seems accurate since the loans were charged off. However, now I am still being charged interest and the account is showing that these accounts are in collections and payments are now overdue. I call to fix this issue but am told that there is nothing that they can do as the loan has been charged off and they ca n't collect on it anymore. This does n't make sense because they are reporting that I am over due on my payments and it is open and in collection. I 'm simply trying to get this taken care of one way or the other in order for me and my family to purchase a house. I 'm not looking for any handouts but simply looking for accurate information and customer service agents who can provide accurate information or who are able to get me to people who have that information. This has been very frustrating in many different levels. I just do n't know what to do. Please help if you can. Thank you for your time.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting to address the matter of the alleged debt associated with my items. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the check. So, basically, the bank lost my money, and is refusing to refund it or find out and prove who took it. I have submitted every single form the bank has asked for, and they are continuing to bury me in more forms. They lost my money and refuse to give it back.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, CAPITAL ONE opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.
Consumer complaint received 2021-01-24
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MS)

On XX/XX/2021 I sent a debt validation letter to Pro-Collect. They sent back a document that did not verify the debt and they are refusing to remove the collection account from my credit reports. This company is not a licensed business in the state of Mississippi so according to the Mississippi laws, they are illegally operating. The debt has surpassed the Statute of Limitations. I have never signed any agreement with this company or any company granting permission to pro-collect to collect any money from me. I do not owe pro-collect XXXX nor do I owe it to the Original Creditor. In reading the original contract the original creditor stated that all money owed is to be paid to them and NOT A THIRD-PARTY NEITHER DOES IT SPECIFICALLY LIST PRO-COLLECT. I reported pro-collect to the Mississippi Attorney General for illegally operating a business without registering it nor paying the state of Mississippi taxes. I also reported this company to the XXXX XXXX XXXX. This company has 30 Days to remove from my credit report or I will file a lawsuit in XXXX XXXX MS XXXX XXXX XXXX by XX/XX/2021.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CT)

BMW Financial Services claims I owe XXXX I believe, amount might be incorrect. This amount is the difference from payoff received by XXXX, the insurance company for the party who totaled my vehicle which occurred on XXXX XXXX of this year. A GAP claim was filed, however, the claim was paid out with no benefits and do not know why. I advised both parties, XXXX and XXXX XXXX, one of them will need to pay out for this. However, more than likely, neither party paid. There is a case pending against XXXX for bodily injury due to accident and have advised attorney to add on the amount owed to BMW Financial Services as part of claim. This is a legal matter which I can not discuss, however, please advise BMW Financial Services I do not have amount owed as I have been helping my mother with her medical bills since accident, she was the driver of the vehicle at time of accident.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.