davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NC)

I lived in XXXX, IN until XX/XX/2019. When I moved out, I canceled my service with XXXX XXXX XXXX  XXXX XXXX. I was sent a bill for XXXX and XXXX, and I called XXXX to dispute the charges. The representative assured me this would be taken care of and resolved. 

XXXX then sent me to a debt collector when they assured me this was resolved. I called XXXX and they said it was too late and it had been sent to the debt collector and they could not fix my credit. The day after I paid the debt collector, XXXX called me admitting they made a mistake, and would refund the the difference between what was owed and what was overcharged initially. 

I disputed the mark on my otherwise perfect credit with XX/XX/XXXX, and they still list it as accurate ( it is not! ). I followed all necessary steps and my credit was unfairly hit when XXXX admitted they made the mistake.
Consumer complaint received 2021-05-04
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)

On XXXX, I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc. (MD)

I received a collection letter from CBE GROUP , INC dated XX/XX/XXXX stating they are collecting as an agent off XXXX XXXX , XXXX in the amount of {$5500.00}. I was able to answer one of the many calls made by CBE on XX/XX/XXXX and spoke to XXXX, who insisted that I verify his information but I told him to send it in the mail. I also told him that after CBE GROUP first call there, should have been something sent in writing. 

Affiant do not now and have never had any business, written, expressed, alleged or implied, with CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX and does not, in any manner agree to contract with, re-age, renew, or revive any alleged contracts or agreements upon which CBE, XXXX and the joint and several principals, agents or assigns of CBE and XXXX may incorrectly claim, allege or presume exists I owe. Affiant 's records  show that CBE First Contact occurred XX/XX/XXXX ( " First Contact '' ) by a robodialed, automated telephone call to a telephone number listed in the name of the Trust. Affiant 's records show that since First Contact, CBE, did, in willful violation of the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) and before mailing collection letter within five days of First Contact, call a telephone number listed in the name of the Trust 15 times. Records show that CBE, being without any lawful permissible purpose did, in willful violation of the FAIR CREDIT REPORTING ACT ( " FCRA '' ) governing permissible purposes, did, before or on XX/XX/XXXX request and obtain from XXXX, XXXX unlawful access in the consumer credit report of the Trust. 

On XX/XX/XXXX, an affidavit was mailed USPS Certified Mail to CBE GROUP, INC and received but have yet to receive a response.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (WI)

Alliance Collections Agencies Inc. is improperly and illegally reporting a medical collections debt that has been paid completely to XXXX XXXX XXXX XXXX. 

Alliance is violating HIPPA laws and the FCRA by falsely reporting a fully paid debt. 

Additionally, when Alliance contacted me via mail, I asked for them to turn the debt back to XXXX XXXX XXXX XXXX. They refused to acknowledge my letter and did not reply or listen to my request.
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter XXXX it's more than 30days
Consumer complaint received 2021-09-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (TX)

I am submitting a complaint against Klarna & XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a Klarna prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to Klarna to dispute the charge. The Klarna transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by Klarna for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, Klarna kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that Klarna has reported me to a collection agency for a purchase I did not receive. Klarna failed to notify me that they were sending me to collections for a purchase I did not receive. 

Klarna did not help me with this issue as I reached out multiple times for assistance.
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

a person hacked into my checking account with Bank of America and stole {$2500.00}. They a service call XXXX. Bank of America did an investigation and told me the transaction was legal. I found out that Bank of America have a financial interest in this company that was used to hack into my account
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXXXXXX XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  has violated my rights, Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX XXXX  has violated my rights, Account # XXXX XXXX XXXX has violated my rights, Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. As of todays date Transunion stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And XXXX is reporting a closed account XXXX XXXX. I would like help with removing these accounts
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from XXXX confirming that I did not open the account.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am currently unemployed, and I am living off my XXXX unemployment benefits since I was laid off from my job several months ago. So, having my Bank of America debit card is extremely important so I can pay my rent, bills and buy food. On XX/XX/XXXX, I contacted Bank of America to notify them that my XXXX Bank of America card was lost, and I requested a new card to be sent to my primary address. The representative that I talked to told me that they would send me a new card and that I would have my card within 2-3 days. After waiting several days I contacted Bank of America again they told me that my card was just delayed and that I needed to wait so more until the card was received. Also, I contacted Bank of America on XX/XX/XXXX to notify them that I had still not received my card. The representative that I talked to said no problem and that she would send me a new card that I would receive by XX/XX/XXXX XX/XX/XXXX. I have waited over a month for my Bank of America XXXX card and still have not received it. I believe Bank of America is lying to me and that they have not really sent a replacement card to me. I need assistance addressing this issue since Bank of America has not resolved my issues is not meeting the obligations as a facilitator of government programs. Also, since my card is in transit, I am not able to access any of the funds within my Bank of America XXXX checking account.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (IL)

Information on a AARP Chase Bank - I requested a credit line increase. Chase reports incorrect information on my record. I have contacted XXXX XXXX. This is a critical report that was created by Chase to deny an increase in line of credit. The stated " The reporting agency played no part in our decision and is unable to supply specific reasons why you have been denied credit to you. '' I am a XXXX-year old senior and have never had a problem with my credit. Recently I applied for a {$15000.00} loan and it was approved. I call this discrimination against a senior citizen> Please help.
Consumer complaint received 2022-04-02
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. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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. As of todays date XXXX stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And Equifax is reporting a closed account XXXX XXXX. I would like help with removing these accounts
Consumer complaint received 2021-02-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

The problem was that I got a letter in the mail saying that Equifax can not assist me with all my Disputes because of unable to locate a credit file or right address. but when I check my credit file my right address is on my credit report with Equifax I send out Disputes 3 times NO RESPONSE
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NY)

I co signed for a loan with my son so he can purchase a home. Homebridge Financial Services is the mortgage co. I am in the process of trying to purchase a home. They put my son on Forbearance without his permission. He didn't realize until I applied for a mortgage and it came up. My son realized that they didn't do the withdrawal. This was in XXXX, so the made XXXX and XXXX payment together. My mortgage company saw the late payment and requested a letter from the company stating that - They made an error and put him on a forbearance and that is why they didn't take the payment and that he paid once he realized he XXXX was taken out. On XX/XX/XXXX my son and my mortgage broker called the company requesting that letter. They said it will go out on the XXXX of XXXX. When called on the XXXX they said it went out on the XXXX. When I called on the XXXX stating it hasn't been received, they said they will fax it and it will take 24 to 48 hrs. When I called on XX/XX/XXXX and was disconnected 5 different times spoke to 6 different people, some said they do not see the letter. The other say they did. Employee ID # XXXX was going to email Managers and see what they can do for me. I was unable to speak to a manager or supervisor when I asked. Last night we spoke to someone again with my mortgage broker on conference call. They said they see no letter and there is nothing they can do for us. This morning my wife got a fax, a useless fax just stating the definitions for the column headings and my loan history. Loan history was not attached. This letter is not what we need. I have exhausted all avenues with Homebridge on getting this letter. Not only will I lose the house but I have been just advised that I will lose my {$20000.00} deposit which I definitely can not afford to do. Contract is voided on XXXX, 2020. I am on a time constraint.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-10
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. (CA)

Trans union consumer relations reported to XXXX XXXX false information which resulted in my credit limit being lowered!!!!!!!!! 

Trans union reported the following : 1. Lack of real estate secured loan information ( dont have real estate loan ) 2. Balances on accounts too high compared to credit limits and loans amounts ( I have the following credit accounts A. XXXX XXXX limit XXXX balance as of XX/XX/2021 {$160.00} B. XXXX  XXXX XXXX balance C. XXXX XXXX XXXX balance D. XXXX XXXX balance the credit account thats lowered is XXXX XXXX account paid in full because of the false information reported to XXXX XXXX  this account credit limit was lowered,,,, D too few accounts paid as agreed E. Too many delinquent or derogatory accounts!! 

These are all absolutely false and outrageous lies that are affecting my credit worthiness. 
Trans union needs to be held accountable with legal actions. 

Simply filing a complaint is not enough!!!!!!! 



New car loan opened XXXX. I am trying to rebuild my credit due to the fact that my credit was severely damaged by my ex significant other who stolen my information.. 

All of my credit cards are in excellent standing!!!!!!!! 
I have never miss a payment or been late. 

Its not fair the credit reporting agency are allowed to cause consumers unfair situations that negatively affect our struggles to rebuild our credit. 

When I contacted XXXX XXXX  I asked if they randomly decided to run my credit I was told NO!!!! They stated that trans union forwarded the information to the bank, I called trans union to ask whyre reporting false information regarding my credit?? 
XXXX ( agent who I spoke to was rude and stammering her words when I demanded answers she disconnected the call!!!! ) XXXX XXXX
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (IL)

Account # XXXX - National Credit Adjusters - On XX/XX/2021, I settled this account through National Credit Adjusters. The account was paid in full and is closed. The account is still open with XXXX, XXXX, & XXXX. Initially, NCA contacted all three bureaus, but a balance was reflected when it should have {$0.00}. I contacted XXXX, XXXX, XXXX  on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from National Credit Adjusters and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. The NCA has not informed the bureaus that this account is closed. I filed a 2nd Dispute with XXXX  on XXXX and will file again with XXXX  and XXXX  today. I would like for NCA to request removal of the collection. If they are unable to, I would like for NCA to inform all three bureaus that this account is closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. I have attached the settlement letter from National Credit Adjusters, the XXXX XXXX reflecting that the amount was taken from my checking account, XXXX XXXX XXXX, and police report from the fire.