davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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. (GA)

I submitted a dispute with Equifax in regards to XXXX XXXX XXXX XXXX placing a collection account in the amount of {$1800.00} on my credit. I could not find my legal documents at the time so I was not able to attach them to the dispute. I submitted the dispute and the next day Equifax said they completed their investigation and that the amount shown is accurate. Stunned that this happened, I called my attorney in which he stated that they were not supposed to do this, as we won the case against the apartment complex. They forwarded me the documents needed to send to Equifax proving that this collection account is not valid. I then opened up a second dispute with Equifax attaching the required documents as requested and submitted the dispute assured that now they would read the documents and fix this error. The very next day I was notified that Equifax has " completed the investigation '' and that again the " amount was accurate ''.
Consumer complaint received 2024-03-21
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: Tower Loan of Mississippi, Inc. (AL)

someone open several loans with this company without my permission. I asked the credit bureau to removed these two bad accounts off my credit report, and they refused. even with the provided information that I had sent them.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

My credit card was stolen approximately around the XXXX of XXXX of XXXX. I was not aware as I am sick and I do not check my wallet very often as I possess many cards. The card company is Citibank. I have called numerous times stating that I did not make any transactions after the XXXX of XXXX. The issue also is that the card company allowed the person who stole my card to spend over my credit limit. My credit limit was only 8,000 and they allowed the perpetrator to spend close to 12,000 without my authorization. The card I possess is the XXXX XXXX XXXX XXXX by Citi. Every time I call, they are very nasty to me and I have tried everything in my power but to no avail. There were no transactions processed on my account after XXXX XXXX. I had called for a replacement card and they sent me a card with the same number and when I went to use it, I was stopped inside of XXXX and pulled over to the side as if I was in possession of a stolen card. I called Citi explaining them what happened and in a very nasty manner, they suspended my account and told me they would send a new card. This horrific experience has left me to the point of bankruptcy. I am XXXX XXXX XXXX with very little income. Please help.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC (WA)

Truhome Solutions has my mortgage, they offered me a forbearance during covid. They told me that for however many months that I take the forbearance that's how many months at the end that I will extend my loan. Now they're telling me that at the end I will have a balloon payment. That is not what they told me in that is not what I agreed on! They can't change the rules after the fact.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC. (TX)

I got a call from  ABR Recovering Services (  http :   XXXX  /  XXXX  Claim Number  XXXX  ) stating that I owed them {$2700.00} from a Tv that I took out i n   XXXX  . All  my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called  XXXX  customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE   XXXX    ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. ABR stated they can not give me more info just to make a payment which i have proof I paid it off in full.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation (GA)

I received funding on XXXX from this company of {$600.00} and I was not aware that the interest would go up before my first payment was made and my first payday is XXXX so the interest has went up. The balance went from XXXX to XXXX or XXXX and my first payment is even due yet, I have tried to call this company and have not received a response
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (NJ)

Online Information Services ( OIS ) first contacted me about an alleged debt that was owed. I responded to them within 30 days, disputing the debt. OIS even sent me a letter, stating that they received my letter. Nevertheless, OIS reported the debt to the credit reporting agencies. And, even though I disputed the debt, my credit report states " Dispute resolved ; customer disagrees. '' The dispute was definitely not resolved. Its misleading wording has led my credit report to list this as a negative factor in my nearly perfect credit score.

I called OIS ( a call which was recorded ) and stated that the information relayed to the credit reporting agencies was incorrect. They have refused to change the incorrect information. 

My understanding of the law is that if a debt is disputed within 30 days of the debt collector contacting me, the debt collector can not report the debt to the credit reporting agencies. Second, I also understand the law to state that if there is any incorrect information listed on my credit report, the debt collect must, by law, correct the incorrect information. 

I have attached a letter from OIS which proves that they received a letter from me, disputing the alleged debt.
Consumer complaint received 2019-03-02
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. (OH)

My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX XXXX, ONLINE INFORMATION SERVICES # XXXX****, XXXX XXXX XXXX XXXX # XXXX**** Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

Collection reported on my credit report I owe them XXXX. On XX/XX/XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. I received notification that I in fact I owe. The company sent a letter and an itemized bill. I provided them a second certified mail on XX/XX/XXXX again to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I have not received any notification. They inform the credit bureau that I disputed but no other action was taken.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying me
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC (HI)

1. Called Ecsi and asked them how to fill out the perkins loan forgiveness for in XXXX and they told me to use one form and to write down for 5 years instead of 1. 
2. Followed directions sent in forms in XX/XX/XXXX. Said they never received so I sent again 4. Said I sent to wrong ECSI department so the forms could not be processed. 
5. Sent forms to the correct address and no reply. Called and they said they received nothing. USPS says they did. 
6. Contacted XXXX and they sent in the forms for me by FAX to ECSI and also the Department of Education on XX/XX/XXXX 7. Talked to them on the phone today XX/XX/XXXXXX/XX/XXXX and they say they never received anything. Also I sent a payment because of the threatening letters and calls and they say they never received. Payment for XXXX dollars sent on XX/XX/XXXX to the DOE oregon address. 
8. Said I must send them a copy of my bank statement proving I paid or I will keep getting the threatening phone calls and letters. 
9. I have spent over a hundred dollars sending this mail to them express and also priority mail
Consumer complaint received 2017-04-26
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. (MI)

I have many, many times tried to get these Hard Inquires off my report. I have now obtained the letters to get them off as requested many times, by the CRA to get them from the inquiries. So I scanned and attached the letters to get the hard inquires of my consumer credit report. The only thing to do is get the letters then send them to the CRA as they would n't do the work themselves.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

We have got a loan from BHG on XX/XX/XXXX. 
I had spoken to both XXXX XXXX and XXXX XXXX XXXX XXXX about returning the borrowed loan back after some days of receiving the funds. 
It was to no availed and I was told due to part of the agreement I may not have access to returned it back, the loan has an UCC-1 affiliation to it ; thus I have contacted both of them about processing my commercial vehicle equipment ( XXXX XXXX XXXX XXXX as a ransom for the remaining unpaid amounts. I have not heard from them ever since then after I have presented that option to them. 
Our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hence I couldn't come up with due balances and our company haven't recovered yet from those financial situations. 

We have just got served earlier by an agent of the XXXX XXXX XXXX, we had found a Civil Lawsuit was filed against on BHG behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) We still have the commercial vehicle at our disposal awaiting them for it use it as a collateral asset for their loan and unpaid balances.
Consumer complaint received 2021-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CO)

On XX/XX/XXXX I went to XXXX XXXX in XXXX, CO. It was a XXXX XXXXXXXX XXXX. I was working with XXXX XXXX and felt pressured into buying this vehicle. The vehicle is only worth {$2000.00} but they put me in a loan that when everything was said and done the interests of the vehicle was well over the value of the car. I ended up signing the finance loan and felt a little off. I called my Dad and husband and both told me to tell them I do not want the vehicle and to not take possession. I never took possession of the vehicle and told them in a text and showed up to the dealership later in the day telling them I no longer want the vehicle. I went with a different company and the finance manager, I believe his name is XXXX, told me I had no choice but to take possession of the vehicle. I then called Credit Acceptance, as they are the ones who my loan is through anf told them the situation anf they also told me there was nothing I could do. After doing more research I have a right to say no to buying a vehicle but I would take a penalty I was never offered this. I never left the lot with the car in my possession. They told me it was not ready to leave the lot as they needed to complete some work in the vehicle. XXXX ( again I could be using the wrong name ) was very hostile and told me if I do not take possession of the vehicle he will have it towed to my house and dropped off. I told him again do not do that as I am not taking possession of this vehicle. He then hung up on me and later that day the vehicle wad towed to my house and keys were left on my NEIGHBORS doorstep. No one signed for the vehicle stating it was dropped off with no damages and dropped off at the correct place. I have been told by multiple people to fight this and that the sell was not by the books. I want this vehicle off of my credit. I can not afford two car payments especially on a vehicle I did not want. I have made enough payments that the car itself is paid off. Now all I am paying is interest. Can someone Please help me?
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened this account.
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (GA)

I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county. this is harassment and I going to file charge against.
Consumer complaint received 2017-10-16
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. (IL)

I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : 1st account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX XXXX _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.
Consumer complaint received 2019-05-11
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)

Transunion allowed the same collection agency named XXXX XXXX XXXX to put the same charge back on my credit report for {$180.00}, after I had submitted proof to them of my Identity being stolen through an official Identity Theft filing with the CFPB. The company tried not to disclose their full legal name on my credit by just adding an " S '' at the end of their name instead of writing out XXXX XXXX XXXX, therefore, which made it difficult to officially research the company. I have never had any dealings nor do I have any knowledge of this company and charges. As reported to Transunion, in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am a victim of Identity Theft. A copy of filing is attached.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (CA)

They claim my account was involved with illegal XXXX however my account shows no transactions of the sort. This is my account linked to XXXX email address and phone number XXXX. I have had other cash app account two which were I was locked out of because someone change the number and passwords and I never followed through however this account is the one I used
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have been disputing charges with Cashapp for product not received from sweepstakes company called XXXX XXXX. XXXX XXXX operates as an online sweepstakes company that provides gold coins for purchase. However, by XXXX XXXX violating the FTC Section 5 regarding Unfair or Deceptive Acts or Practices, they are acting and operating like an illegal casino online which is not legal in the United States. I have provided numerous documents showing correspondence and complaints I have filed with FTC, local police department, TX Attorney General, and XXXX XXXX XXXX. Cashapp investigates for 2 days at most to state they investigated which is false. They are not doing their due diligence with investigating XXXX XXXX 's fraudulent actions and theft by taking my purchased gold coins and deactivating my account. They are not reaching out to the merchant at all.