davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (OR)

Recently received a notification of a debt from a unknown collector that I have never had a contract in place with. They sent a copy of a contract and invoice with unrecognized fees, interest and tax. I requested them to provide me. Breakdown of how the fees were calculated but thats not what they provided. Under the fcra I am allowed to have breakdown on how theses fees were calculated.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (FL)

My name is XXXX XXXX XXXX. My Direct Express card was stolen on XX/XX/XXXX and the pin number was changed, since that day I can't talk with any representative of this bank throughout the XXXX line. After been waiting for more than one hour they hang up the phone on me. Bank menu has no option to talk with costumer service. It's not the first time they delay my card for at least six months letting me on the street withouth money even after complaining in the social security twice. I'll appreciate if you take care and send me a new card as soon as posible in order to use my money the way I deserve. 

Thanks, XXXX XXXX XXXX SSecurity XXXX Adresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing adresses XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted transunion, XXXX  and XXXX regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an account on my Trans Union & XXXX credit profile with XXXX XXXX  XXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against Trans Union, XXXX and XXXX, XXXX  XXXX XXXX for not doing their due diligence in this matter. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you XXXX XXXX
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the XXXX bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I have two collections on my account, one is for XXXX $ an the other is for XXXX , both collections Ive tried to dispute as well as Ive tried contacting the office about the collections on my credit and they were extremely rude, couldnt answer any questions and they eventually hung up on me. I tried to dispute these around the end of XXXX. 

I have no clue nor knowledge of every going any where near or talking to anyone from a XXXX XXXX XXXX. 

Id like to have them removed as soon as possible.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was sick with XXXX  and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : LVNV FUNDING LLC XXXX Balance : {$810.00} ; LVNV FUNDING LLC XXXX Balance : {$440.00} ; LVNV FUNDING LLC XXXX XXXX : {$830.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$830.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$810.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$440.00} ;
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Management Group, Inc. (CA)

I was contacted by someone who said they worked for " Global Asset Management Group LLC '' and he stated his name was " XXXX XXXX '' His phone number is XXXX. 

He stated my sister used me as a reference and I owed {$2000.00}, that we needed to get a " stop order '' and that his client had tried to serve papers to a family member 's address but was unsuccessful. ( He stated she borrowed the money, used her XXXX XXXX  account as collateral and then closed the account ) He said that we would be going to jail for not showing up at court. 

I looked into the company and they are banned from debt collecting by the FTC for being fraudulent. 

Company website : XXXX XXXX XXXX # Order to cease debt collection with FTC : XXXX XXXX XXXX  FTC Case information : XXXX XXXX XXXX
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

Capital Accounts has listed a collection debt on my credit reports. I have not received any debt validation even though It has been requested several times through the credit bureaus and registered mail. Capital Accounts continues to update this collection monthly and yet has not provided anything that proves they have the right to collect or that the debt is legally mine.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

Jefferson Capital placed a collection on my credit report, and I have no idea what it is. I wrote Jefferson Capital and demanded documentation or some sort of proof that the collection account belongs to me, but they refused to send me any documentation and also refused to delete this unknown account from my credit report.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent my son {$40.00} through Money gram at this time my son is located in XXXX XXXX CA and I am in XXXX XXXX. My son 's ID was stolen so we provided with another person 's name that was provided. This person was not able to retrieve the money after trying 3 times through money gram. I called to speak with money gram to solve this situation and they are refusing to cancel the transaction due to needing the receiver 's ID which we can not retrieve. I am the sender and have proof of sending and they will not provide a refund to me although it is my money. Due to the receipt it explains the process of refund and by section 2102 of The California 's Financial code it states if I am not provided with refund, I am entitled to my money back plus a penalty of up to XXXX and attorney fees pursuant to this section. I rather not pursue to that extent, I just would like my refund of XXXX since the receiver is not able to access the funds through money gram.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (FL)

On XX/XX/2021 I refinance my mortage from Homepoint financial to XXXX. 

The main reason of refiancing was to lower my interes rate which did to XXXX and to pay of the florida partial laim of XXXX withc i was told they did. 

Apprently Homepoint did not send the payment of my partcial claim. 

Please I need your help how can they lie to me above something like that. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was in charge of my refinacing. 

something is not right. 

thanks, XXXX XXXX
Consumer complaint received 2022-04-27
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: Santander Consumer USA Holdings Inc. (NV)

On XX/XX/2022 I was car shopping I got approved by XXXX and when I looked at my credit report, I see XXXX XXXX, XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX. I called all these places to ask to have these removed due not getting approved by them and they said they will not call the collection agencies. I did so and they turn and push it back to them. I need this gone off my report
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Consumer complaint received 2018-12-04
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. (GA)

there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2020-09-07
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: EQUIFAX, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-04-27
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. (MO)

The credit companies, Equifax and XXXX are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXX collection services this from XXXX XXXX
Consumer complaint received 2019-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

Between XX/XX/XXXX and XX/XX/XXXX, I borrowed {$4200.00} from Cash Central. I repaid {$7300.00}. I paid {$3000.00} in fees. Cash Central is not licensed in my state, therefore, I was only responsible for repaying what I borrowed. Cash Central owes me {$3000.00}.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (FL)

On XX/XX/XXXX I noticed that I had a Collection account in my XXXX Credit Report. The account was From PLUSFOUR INC. and the debt originated at XXXX XXXX XXXX ( both companies are in Nevada ) I contacted PLUSFOUR right away and they told me that the account that started with the numbers XXXX belongs to a person who the last name is XXXX, name that I had only during XX/XX/XXXX until XX/XX/XXXX because I was married to XXXX XXXX XXXX and we lived in California. Since XX/XX/XXXX my name has been XXXX XXXX XXXX XXXX, and the birth date was different than mine. 

I have been living at XXXX XXXX XXXX XXXX, FL XXXX since XX/XX/XXXX ( I have lived in this address before ). I have NOT lived in XXXX XXXX, NV since the XX/XX/XXXX and my name was what is today XXXX XXXX XXXX XXXX. This debt account was opened on XX/XX/XXXX and is most definitely not mine! 

PLUSFOUR INC refuses to call XXXX to clear that up. 

I called XXXX and they told me that they were going to dispute but without a call from PLUSFOUR it may be difficult.

I called PLUSFLOR INC and XXXX enumerable times and all I could do was to start a dispute on line and on over the telephone with XXXX and they told me that may take a month or a long time. I am also sending a certified letter to XXXX to dispute it over them mail also to reinforce the need for them to fix my credit report. 

I file a report with IdentityTheft.gov reference # XXXX and filed a police report with the XXXX XXXX Police Department with XXXX XXXX XXXX XXXX case number XXXX. 

I don't know what to do any more! I became handicapped and need to buy a car with a ramp to put my scooter and my fico score that was ALWAYS XXXX + now is XXXX ( at least with XXXX XXXX. 

Please help me! I NEVER paid a bill later in my entire life!
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/XXXX I entered into a payment plam agreement with Old Navy. I was told that, after completing the plan, I would still be able to use my Old Navy credit card. This was during the the time period where consumers were getting grace due to COVID. I successfully completed my payment plan. In XX/XX/XXXX, I tried to make a {$70.00} purchase and was declined. When the cashier looked into the reason for this, she was told that my card was closed and I would have to reapply. I should not have to reapply for a card for which I had fulfilled a payment agreement.