davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (CA)

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (WA)

the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from them
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX  shows my account delinquent when in fact it has been paid via there web app, they said they did n't recive it in time.   this is not true they have issues with their app.
Consumer complaint received 2022-07-20
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: ALLY FINANCIAL INC. (TX)

XXXX is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. XXXX is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (RI)

I'm not sure who to contact in regards to this - How do I owe a debt of {$25.00} where I never received any written notification about this debt and recently I received a random threatening call from a collection company on behalf of XXXX XXXX that apparently I had a bill from my old address. Under Duress, I simple went ahead and paid off this account and now i'm looking at my credit report and I noticed that there is a bill reported from the same company of {$25.00}. Honestly i'm not an expert on how to handle this, but this is a total violation of both FCRA and FDCPA.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (OK)

I have good credit and pay my bill on time. For some unknown reason, Discover card decided that they do n't want me as a customer anymore and canceled my account. I think this will adversely affect my credit. From what I found out online, they seem to have targeted mostly XXXX for the account closure. I think I deserve an honors answer as why they have decided to close my account.
Consumer complaint received 2017-09-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of XXXX XXXX. I disputed this recent debt earlier this month and it was n't removed from my credit report.
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP (CA)

XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted US bank and XXXX who confirmed that first date of default on these accounts were XX/XX/XXXX ... US bank sold this charged off account to XXXX and XXXX sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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.
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (SC)

This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. 

This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. 

Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. 

Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2017-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AZ)

On XXXX I received a {$25000.00} loan from XXXX XXXX XXXX XXXX XXXX to fund a new construction pool at my residence ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). The loan number is XXXX and was funded on XXXX. On XXXX XXXX XXXX filed a 'Deed of XXXX ' with XXXX XXXX and the recoding number is XXXX. 

On XXXX I took a {$65000.00} second mortgage with Ditech XXXX XXXX Mortgage XXXX XXXX Ditech loan number XXXX ) and they paid off the XXXX XXXX XXXX XXXX XXXX loan listed above. However, XXXX XXXX did not submit a 'Deed of Reconveyance ' with XXXX XXXX after the loan was paid. 

I can not sell my home and/or refinance my home with this lien/deed of trust still active. XXXX XXXX has since changed names to XXXX Bank and I have tried multiple times to contact them with the phone number provided on their website for customer service. The customer service representatives I have spoken to have no knowledge of the original loan in question since it is not listed in their database.
Consumer complaint received 2022-07-20
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. (NV)

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-01-19
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: Experian Information Solutions Inc. (MN)

The following accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX   XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

Ive been unable to obtain my Equifax credit report for over a year now. When I applied for a loan they said Equifax has incorrect information for me. Ive tried to have them fix my account and update my information but nothing has happened. This has hurt my credit due to denial of a loan because of equifaxs poor customer service.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened an account with Citibank on XXXX XXXX, 2016. 
They had a promotion of {$500.00} for any deposit over {$50000.00}. within 30 days. 
It is now almost 6 months, i have NOT received payment, Ive called them on multiple occasions over the last month, and they have NOT honored their commitment.
Consumer complaint received 2022-02-04
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. (MI)

I had insurance with XXXX XXXX in XXXX. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over XXXX points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.
Consumer complaint received 2015-10-01
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northstar Location Services, LLC (GA)

I work for a XXXX. I received an message from a XXXX with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Consumer Financial Protection Bureau ComplainXXXX Department Complaint : Inaccurate Credit Reporting and Debt Collection Practices Date : XX/XX/XXXX I am submitting this complaint against Credit Acceptance Corp for their violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Account Number : XXXX Company : Credit Acceptance Corp Violations : - Inaccurate credit reporting : The company has reported an account as being late over 120 days, despite being paid in full. 
- Failure to investigate disputes : Despite XXXX previous disputes, the company has failed to investigate and correct the inaccurate information. 
- Debt collection practices : The company has attempted to collect a debt that has already been paid in full. 

I have requested that the company : - Delete the inaccurate information from my credit report - Provide a corrected credit profile to all creditors who have received a copy within the last 6 months - Provide the name, address, and telephone number of each credit grantor or subscriber - Describe the procedure used to determine the accuracy and completeness of the information However, they have failed to respond or take any action to resolve this matter. 

I believe that Credit Acceptance Corp 's actions are in violation of the FCRA and FDCPA, and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX
Consumer complaint received 2015-09-05
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC (AZ)

I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX is adding interest to a collection account that is not owed. I have asked transunion to investigate the cause of these charges, but the errors have not been corrected. This balance is still incorrect, and they are not allowed to add more interest to it. According to the statute NRS 99.040 ( 1 ) " When there is no express contract in writing fixing a different rate of interest, interest must be allowed at a rate equal to the prime rate at the largest bank in Nevada, as ascertained by the Commissioner of Financial Institutions, on XXXX, or XXXX, as the case XXXX be, immediately preceding the date of the transaction, plus 2 percent, upon all money from the time it becomes due. The prime interest rate on XXXX XXXX was 4.25 %.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company (NC)

put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit.
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC (NC)

Basically he contacted mother in law, when a home number was correct. Explain who he was, worked for,. This is in my husband 's name. Supposedly from XXXX. I asked for verification, says it was sent, explained mail carriers changed do n't have. I was in shock at time. Under impression not sending a validation. I wanted to call XXXX. Next morning realized we do n't have that account. Made demands to my husband had to be resolved by XXXX.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

OnXX/XX/2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-02-04
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. (MI)

I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

My name is XXXX XXXX XXXX, I already qualified for the XXXX bonus miles with my American Express Gold Delta SkyMiles Credit Card ending XXXX SkyMiles Account : ending XXXX with more of {$1000.00} within the first 3 months of Card Membership. The miles have not been Accredited to my account and it 's been 6-8 weeks after I reached the spend threshold. I opened the account on XXXX XXXX and completed the requirements the first week of XXXX 20017. I called American Express Customer Services XXXX several times and the Account Representatives explained different reasons and excuses all the time but they do n't give me any results. There is a case open XXXX but they do n't have any resolution. I 'm trying to purchase a Delta Tickets but I need the miles to be accredited to my Delta SkyMiles account in order to purchase the tickets. This is the reason why I opened the credit card. I am sick of calling customer services and nothing changes so far. XXXX XXXX XXXX