davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Filed Complaint # XXXX against XXXX which was referred to CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and closed. 

In addition, Complaint # XXXX was filed against XXXX XXXX XXXX XXXX XXXX. Per the company 's response, to CFPB : " The account has been placed in a disputed status and verification of the debt will be requested from our client and mailed the address on file. There will be no further communication until the dispute investigation is completed. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank You, XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX '' As of today 's date, I have not received any further communication from XXXX XXXX OR XXXX with regards to the dispute. However, today, XX/XX/XXXX. I received a new collection letter from ERC requesting payment of the same {$170.00}
Consumer complaint received 2022-08-09
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Woodlands Financial Services Inc (TX)

I never missed a payment with this company. The car did get picked up because of non payment, my mother passed away in my house and we had financial issues and let my insurance lapse and they came and picked it up for no insurance and of course I couldnt pay the repo fees to get it back but I never missed an actual payment. And they never once reported amy of my payments befor this to benefit me so why after you didnt give me a chance to get Insuarnce would you tarnish my credit report.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have been sending requests to Equifax since last year and I'm not receiving responses from them. I have proof they received my letters for an investigation and I'm not hearing anything. I attached the notice of it being delivered. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am trying to finance a vehicle through XXXX XXXX XXXX. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I contacted XXXX XXXX that said they had given my debt to someone else even though I dont owe anything. They also stated that they didnt have anything on file saying I owed a debt of {$2500.00} in XXXX I never even leased an apartment with them.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (NV)

This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
Consumer complaint received 2015-04-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

In XX/XX/XXXX, I got a letter from mortgage co telling me they no longer would pay my ins this after they had collected themoney for the past year.During this time my taxes were reduce by 40 % .So they end up having my money in escrow for billsthey no longer were paying.After numerous phone calls to them they refuse to refund my over payment and reduce my escrow amount. 
In XXXX of XX/XX/XXXX after giving up I made a payment for the total of principal and interestwhich they posted as all principal.So after XXXX XXXX XXXX XXXX months of being lied to I have not sent in a payment.Now they are foreclosing on me.
Consumer complaint received 2023-03-30
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. (MA)

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX lll account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Revolution Financial Inc. (MS)

I received or was supposed to receive a letter from yaw about cfpb vs XXXX XXXXXXXX XXXX but yaw sent it to my old address and it got sent back to yaw. i done alot of title loans with approved cash and if they owe me money then I want it.
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cash Link USA, LLC (KS)

A lawsuit was filed against me for debt with a pay day loan company. The law firm and the creditor never sent me anything by mail about this debt so I was not able to verify the debt. The law firms website is https : //XX/XX/XXXX/. Neither the company nor the law firm contacted me through mail or telephone.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I disputed it, now Im waiting on the results. But after further investigation, I was told that theyre not supposed to list a debt owed over and over again. I dont know what the debt is but the same one is on my credit report 19 times.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

On XX/XX/XXXX at XXXXXXXX XXXX during a US Bank Reliacard transaction at the XXXX, PA XXXX XXXX XXXX XXXX my Reliacard ( Pandemic Unemployment issued pre-paid card issued by US Bank ) was declined. At XXXX XXXX I called US Bank Reliacard Customer Service XXXX to report the issue. Customer Service Rep Mr. XXXX alleged that a XXXX XXXX transferred {$970.00} from my debit card online at www.usbankreliacard.com. I told the C.S. Rep that I never set up my online account. XXXX said he will put a " Soft Hold '' on my acct so money can be added, but no withdrawals until I call in to request a withdrawal. On XX/XX/XXXX I went to same Post Office, call US Bank to request a withdrawal. Bank Rep XXXX said same person transferred a new deposit load of {$490.00} from my account. I filed a Dispute Complaint by Fax to US Bank Customer Relations. XXXX cancelled my card and said a new card with new # will be mailed to me. I said I do not want a card, I prefer to receive a check by mail only.
Consumer complaint received 2021-04-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

My two student loans with AES are reporting late in XXXX of 2020 on my credit report. I pulled my payment history snd show a {$190.00} payment on XXXX 1,2020 and another {$200.00} payment XXXX XXXX,2020 and a {$270.00} payment on XXXX XXXX2020 which means there is no way I could be 60 days late on this as I made 2 double payments within those 60 days. I would like this removed from my credit report and updated to on time please.
Consumer complaint received 2021-06-22
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. (NM)

XXXX, XXXX  and Trans Union are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.
Consumer complaint received 2015-04-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (MO)

I PAID {$99.00} MONEY ORDER ONXXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT ON XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNTXXXX XXXX AND XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT XX/XX/XXXX. MY ACCOUNT # WITH RISE XXXX. RISE HAS PUT SOMETHING ON MY ACCOUNT WHERE I CAN NOT WRITE CHECKS OR CONDUCT ANY FINANCIAL BUSINESS.
Consumer complaint received 2022-08-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2021-04-08
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. (CA)

I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

XX/XX/2021 XXXX  emailed me concerning Id theft listing nationwide recovery / XXXX XXXX XXXX - This is Id theft or insurance fraud - filed a FTC affadavit reported to XXXX XXXX XXXX  - texas XXXX XXXX XXXX XXXX - texas XXXX XXXX - Im seeking criminal charges against XXXX and XXXX XXXX - Against elderly handicapped Block Acct and delete
Consumer complaint received 2022-01-18
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. (NC)

In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt collectors. Recently I noticed my XXXX XXXX dropping as the charged off balance was " increasing '' every month. We disputed it with Transunion. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting Transunion but they stated they only report what the debt collection company tells them. I can't do anything about it. XXXX XXXX was the debt collector.
Consumer complaint received 2020-10-23
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. (WA)

Equifax has incorrect information listed on a closed loan stating it was an auto loan. It was not an auto loan but a medical loan. I have disputed this twice. Both times they have refused to correct the issue and lowered my credit score approximately XXXX points each time. This can only be explained and seems to be for no other reason other than retaliatory for making the disputes.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to demand the immediate removal of fraudulent account from my credit report. Unauthorized account have been opened in my name without my consent or knowledge, constituting a clear case of identity theft and a violation of my privacy XXXX XXXX XXXX.
Consumer complaint received 2022-03-29
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. (MI)

Hi I am submitting this XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I was looking for somebody to take care of me I had my contact information on a dating website for the public to see. I was contacted by somebody claiming to be somebody else unbeknownst to me, they said they would gladly help me out on XX/XX/XXXX. They provided me with their full name, account number, and access password for their XXXX XXXX  account XX/XX/XXXX. I saved all the text messages between me and the other party because I had a feeling it was a little too good to be true but I was also desperate for cash. After I put in the information and transfer the funds to my credit card to make a full payment I contacted the credit card company and told them that I didn't know if it was fraudulent but I wanted to be sure that I was okay and they told me I was they told me my account was safe. After the funds had cleared the other party started demanding that I buy gift cards a lot of it and send him the information. I declined and cut off communication with him XX/XX/XXXX. The payment was then reversed a couple of days later. My credit limit was actually increased on an unrelated credit card within the same bank and then was closed without my knowledge until I try using it again to which would always come back decline. After calling both credit card companies I was told to my accounts were closed because a reverse payment from an account that was unrecognized they assumed it to be fraudulent or scam activity and since I had actually made a payment it was my fault and they closed my accounts. I made sure not to use the money that was paid to me from the XXXX account but they advised me that weather I use the money or not I would be responsible no matter what. I asked if there was a way I could appeal they said their decision is final I told them it was an honest mistake and I had no intention of following through with a scam they said that doesn't matter.
Consumer complaint received 2022-07-19
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)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00}.