davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NC)

Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

I have been a victim of identity, theft and fraudulent accounts were opening my name, using my identity, Social Security number driver license, obtain money from different account and was reported to XXXX XXXX, Equifax and experience
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TNT Financial, Inc. (MI)

The company took advantage of my XXXX and discriminatory predatory lending because I received XXXX. Then they are holding license plates till first payment and That is two weeks after purchase XXXX I was pulled over with expired temporary tags when I went to the Fast Finance company to talk with TNT Financial XXXX XXXX Mi XXXX XXXX city XXXX MICHIGAN XXXX XXXX 
Sales tax license number XXXX dealer license number XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX. 
Vehicle identification number XXXX
Consumer complaint received 2019-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Service Residential, Nevada, LLC (NV)

Red Rock Financial Services at XXXX XXXX XXXX  XXXX XXXX, filed a Lien on my residence and would not provide a reason or any information for this grave legal action.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Again today We had to send an document that had been previously sent many times. This is causing financial hardship on my mother. She is XXXX and has been trying for three months to get a modification with SP Servicing XXXX Loan number XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with Equifax, XXXX and XXXX XXXX. Equifax and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My parents were contacted about a supposed legal action against me for a debt. I called the number they were given on XX/XX/XXXX which was XXXX and gave them the reference number of XXXX. I was told I owed a debt from HSBC and was being sued by another collection company. I have no evidence of the debt on either a credit report from XX/XX/XXXX or XXXX of XXXX. The collection company refused to tell me what the debt was for and claimed I was mailed a notice in XXXX of XXXX, which did not happen. 

I called on XX/XX/XXXX and asked for more company information and was told that they worked for XXXX who buys debt and uses XXXX to collect. I asked for a license number, which was refused. I was told this was from an HSBC credit card and I do not recall ever having a card from HSBC and have no record of one on my credit reports over the past 2 years. I asked to be forwarded to someone with a license number and was told this could not be done as this was not in litigation, which is not what I was told on XX/XX/XXXX. I asked for a validation notice to be mailed to me to show the debt originator and chain of custody and was told it would be mailed in 30 days. I said this was illegal and it was due in 5 days and was told there was nothing to be done. I asked about when the debt was purchased and was told there was no information. 

These people had my SSN, drivers license number and address. Other phone numbers I was given were XXXX & XXXX. I was told not to contact these two companies directly as well.
Consumer complaint received 2023-03-16
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. (CA)

I sent TRANSUNION DISPUTE DEPARTMENT an FTC Identity Theft Report, Cover Letter, a color copy of my ID, a color copy of my Social Security Card, and a copy of a bill with my address on it via certified mail with a return receipt on XX/XX/ in regards to a fraudulent account reporting on my credit report. This account is a XXXXXXXX XXXX  account ending in XXXX. Pursuant to 15 U.S.C. 1681c-2, TRANSUNION had 4 businesses day to legally remove the account from my credit report and failed to do so. The account was deleted. BUT on XXXX  TRANSUNION reinserted the fraudulent account on my credit report. I then filed another FTC Identity Theft Report and sent a copy of that, a color copy of my ID, a color copy of my social security card and a copy of a bill with my address on it, again, via certified mail with a return slip on XX/XX/. Again TRANSUNION had 4 business days, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, to remove the account from my credit report. After over 45 days, which is past the 30 days they have to comply per the Fair Credit Reporting Act, TRANSUNION removed the account. As of today, the account was reinserted AGAIN stating that they " verified '' the account was accurate. This makes no sense. Why would I filed Identity Theft TWICE on an account that was mine? Plus- In order for TRANSUNION to " verify '' the account, they are to send me an Affidavit of Verification signed and sworn under oath. TRANSUNION is violating my federally protected consumer rights under the Fair Credit Reporting Act. The reporting of this fraudulent account continues to cause me and my reputation severe harm and discrimination.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and Trans Union. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Over the past 9-12 months. I have had several financial issues that have stemmed from potential theft, to temporary freezing of my assets due to unknown parties attempting to access them without my permission. My primary checking account with J.P. Morgan Chase has has several issues. Transactions that happened more than a week ago are just now being posted. Credit line increases that have not been issued to my primary credit card account with them, as well as an abnormal credit line increase with concerning an Amazon XXXX rewards account where at the start, I was given a {$2500.00} dollar limit, then in no less than XXXX months, it increased dramatically to {$6500.00}. In 2020, I contacted J.P. Morgan Chase concerning a banker on their staff that I had known personally that may be interested in keeping a keen eye on my accounts with Chase due to animosity we have towards each other. That investigation resulted in zero findings, I am continuing to have issues with this bank, culminating in wire transfers that are being halted for reasons unbeknownst to me. I am requesting the CPFB to inquire into this bank and see if any unprofessional behavior is being committed concerning my checking account, my savings account, and my two credit cards I have with this bank. Specifically the rate at which specific transactions are being posted, as well as abnormal credit line increases. I visited a branch last week and they assured me that nothing abnormal has arisen. There is a strong possibility that my account is not the only one affected. There is a strong possibility that someone at this nationwide bank has given unauthorized access to my accounts.
Consumer complaint received 2016-08-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (FL)

Already paid XXXX already on a XXXX dollar loan to Northern Plains Funding loan approval was all done over the phone did n't have a chance to review paperwork for loan and interest rates. Balance of loan fluctuates and was told if I want out of loan would have to pay XXXX. They said I am paying finance charges with a small principle on loan that 's why I owe so much and hung up the phone.
Consumer complaint received 2023-03-16
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: CLGF Holdco 1, LLC (PA)

In accordance with the fair credit Reporting act XXXX Account # has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Consumer complaint received 2022-02-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Issue : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with Transunion during XX/XX/XXXX once discovered the negative filing on the credit report. Transunion confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. Transunion system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.
Consumer complaint received 2015-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DRS Financial LLC (PA)

On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.
Consumer complaint received 2017-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  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   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 2015-03-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CT)

I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro Amex, XXXX, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX XXXX has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

American Express XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call 3-4 times a day?
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (VA)

Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.
Consumer complaint received 2022-08-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

I continue to receive phone calls and letters from MCM ( Midland Credit Management Inc ) stating that they are acting on the behalf of XXXX XXXX. to collect a debt of {$590.00}. I have a current and active account with XXXX that is up to date. I do not owe this fraudulent debt that is being solicited by MCM. I have stated this verbally and written letters and reported this to the credit bureaus.