davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Asset Recovery Solutions, LLC (TX)

AssetRecovery for XXXX XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-02-22
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: DriveTime (FL)

On XXXX, i reached put to DT Credit about an inquiry that shows up on my credit report for XX/XX/19. i did not authorize this transaction and i kept being put on hold. i would love this unauthorized inquiry to be removed. that's illegal to use some one information without there consent
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received an email from XXXX XXXX on XX/XX/XXXX that my debt collections just increased. I don't have any credit cards, loans or debts, so I quickly went to look. I'm being charged by XXXX XXXX XXXX XXXX in XXXX, Tennessee since XX/XX/XXXX ( via Wakefield and Associates also in XXXX, TN ). I've never been to this clinic, and only ever have been to XXXX once. I have no idea how they would have my name or information to charge me. I filed a dispute with XXXX via XXXX XXXX  on XX/XX/XXXX, and they reported saying it was accurate. This tells me someone took my information and opened up an account or charge in my name. I've filed a second dispute on XX/XX/XXXX. I looked up this clinic, and this has happened to MANY other people! This place is known for fraudulent activity. My identity has been stolen, please someone help me. They are falsely charging me {$1400.00}.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (CA)

TEK 's response to my original CFPB complaint is inaccurate. 

Company 's Response In a call on XX/XX/XXXX, the consumer disputed the debt. the allegation was that the property at the address for the services, was sold in XX/XX/XXXX and he was not responsible as the proceeded the sale. No offer of payment was made. On XX/XX/XXXX, TekCollect sent validation of the debt to the consumer. It is attached. The validation shows that the charges involved precede the sale and are the responsibility of the consumer. No one at Tekcollect has told the consumer otherwise or that the debt is uncollectible. If the consumer wishes to pay this debt, he may do so by calling our toll-free number ( XXXX ) XXXX, extension XXXX and speak with our XXXX XXXX XXXX XXXX XXXX XXXX 's email address is XXXX. XXXX XXXX phone XXXX XXXX email XXXX After I received this reply ( above ) from TEK from my previous CFPB complaint I contacted Tek Collect based on the instructions that were left with their company response on the Consumer Financial Protection Bureau. The number that was listed to call to pay the debt was ( XXXX ) XXXX and the company that picked up the call was a company called XXXX XXXX and NOT Tek Collect. I asked the operator if the extension ( as indicated on the company response XXXX ) for XXXX XXXX was there and they told me that the number was incorrect and the person did not exist in their company. 

I then called XXXX XXXX that was indicated on the letter ( XXXX XXXX ) and it seemed to have gone to his cellphone or a personal phone if some kind as there was no recording indicating that the phone call was being recorded etc. He then proceeded to tell me that the debt was already paid in XXXX and that the payment was fulfilled. But when I asked him why the debt was still showing on my credit report he said that it didnt make sense and he has no idea why. I then proceeded to ask him if the debt has already been fulfilled if they could remove it from my credit report to which he said he will remove it immediately. There was no confirmation number or any reference given to me indicating that this was done. Hence I am writing to you letting you know about the exchange and my attempt to have this resolved in a timely fashion. Unfortunately, Tek Collect doesnt seem to make paying the debt ( even if it is inaccurate and false ) easier for the consumer. Their process seems to be meandering and very difficult to navigate for the average consumer who is trying to settle a clear violation of their consumer rights. If this is not resolved with this second attempt, I will be hiring a FCRA lawyer
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (FL)

I called Experian and XXXX million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing XXXX XXXX I didn't work for a while because I couldn't. Now I am a professional, I want fix things and XXXX and Experian don't want to help me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-11-29
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. (TX)

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of them.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MO)

Hello. A couple of months ago I set up an American Express card account. When I got the card, I immediately set it up for monthly auto-pay of the entire statement amount from my checking account. The first month the auto-pay did not work properly, and the payment was not processed. This became apparent to me when the card was turned off for non-payment of the invoice. When I called AmEx, they recognized and admitted that the auto-pay was turned on and set properly by me, but the automatic payment processing did not happen on their end. So the agent refunded the late fee. But they still charged me {$110.00} in interest and refused to refund the interest charge even though they admitted the mistake was theirs and not mine for the lack of payment of the statement. Then, the statement this month included more interest in the amount of {$210.00}. The account is still set up on auto-pay and it was auto-paid on time this month. But AmEx calls this " trailing interest '' and also refuses to refund this amount. So they have fraudulently charged me {$320.00} in interest through no fault of my own but because of their system error. They are continuing to charge interest and it is impossible to get anyone on the phone that has responsibility for this ongoing fraud. This must be stopped and the only way I can see is to ask the CFPB to help me!
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TN)

Good Morning. 

I went to XXXX XXXX on XX/XX/XXXX for an minor incident. All my details were provided to the Hospital with my insurance card. My insurance was provided by my Employer and it's with XXXX XXXX XXXX. Hospital charged XXXX to my insurance and the claim was settled. Then Couple of months later received a call regarding doctor 's bill and asked for my insurance details. I shared them the same details which I shared with the hospital. After that, I did not receive any call or letter. 

A Year later, received a call from Collection Agency regarding this Bill. I was shocked and asked them for the claim details. They said the claim was rejected by my insurance company. So, I had a three way conference call between XXXX, Myself and Collection agency. My Insurance company confirmed that the claim was never submitted and only the hospital bill was submitted. My insurance company was ready to pay them if they can send the proof of rejection. They did not share any details but kept calling me everyday with a discounted price instead of sending the proof. I even asked them to send the Doctor 's Bill and Proof of rejection to my mail address - So, I can claim it directly to my insurance company. But, they did not send any info and stopped calling. Now, After almost 4 Years I got a call from a new company Phoenix Financial Service and they also gave me a discounted price which I am ready to pay. 
They also reported this to credit agencies as service date as XX/XX/XXXX and my credit score is reduced due to this. So, this Derogatory mark should be removed from my account.
Consumer complaint received 2020-11-02
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: JPMORGAN CHASE & CO. (NY)

Again, i write to you in frustration. Chase Bank will not send cash back via ACH, and continues to forget to send the email to allow me to get the ACH. 
This time is for almost {$4300.00}. I do not want a check in the mail, and i have zero plans to use an ATM. 
Last time i went to a Chase bank branch ( XXXX, NY XXXX XXXX corners ), the person in front of the line for the ATM had no mask.

This is the 2nd time chase gave me this issue, and the third time ive had to contact you over this banks malpractice. 
The same XXXX  who run Chase bank and Chase card services have XXXX ability to send cash to the same client between these departments. 
This is a slowdown of the speed of money, and is a accounts payable scam. Please Punish these degenerates.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2021-06-26
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)

For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (OH)

I rented a car with XXXX from XXXX for XXXX. There were no issues with returning the vehicle. On XX/XX/XXXX XXXX charged my card XXXX. I called to see what the issue was and spoke with XXXX XXXX. She couldn't find the reason for the charge and she stated she would investigate it. I never heard anything back from XXXX until XX/XX/XXXX. I explained my grievance as to why my card was charged for almost double the rental and again, I did not hear back from her. By that time, it was too late to dispute with my credit card company and I just paid my credit card bill. On XX/XX/XXXX, XXXX placed a collection on my credit report. I never received any documentation from the debt collector, no email or mail. I tried reaching out to them and I was told that I just had to pay. I explained I overpaid without explanation. The location where the car was rented has been closed so I could not go inside to get any documentation or speak with a representative. I overpay for the rental and returned it on time without any damage and on a full tank of gas.
Consumer complaint received 2020-10-15
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. (CT)

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2022-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I sent a Principal payment in the amount of {$2900.00} which Carrington Mortgage received and cashed on XX/XX/XXXX. On that same date, they applied {$850.00} of that amount towards the Principal ( Curtailment ) ; however, the remaining {$2000.00} has remained unaccounted for. While this is the amount of my monthly mortgage, my monthly mortgage payment of {$2000.00} was auto-drafted from my checking account on XX/XX/XXXX. Once I realized that the payment was never properly applied, I contacted the mortgage company by phone on XX/XX/XXXX. The representative that answered stated that the funds were sitting in my account and were unapplied. She stated she would make a note in the file and forward the issue to another department to get the funds applied. She could not provide me a time frame in which the issue would be corrected. 

I continually watched the payment history on my account to see if the issue had been corrected. On XX/XX/XXXX, I noticed that the {$2900.00} had been listed as a " Principal '' payment as XX/XX/XXXX, but was also listed under the " Suspense '' column as ( {$2900.00} ), which indicates that it was removed. 

I contacted Carrington Mortgage once again by phone on XX/XX/XXXX. The first person that answered the phone stated that it was applied on XX/XX/XXXX. I told him that was erroneous, as it should have been applied on XX/XX/XXXX and that the company has continued to charge me interest on money that I have already paid. He placed me on a brief hold and when he returned, he stated that it would not be corrected because it was my error. He went on to state that I mailed my payment to the regular mortgage payment address, when I should have sent it to the " principal payment address ''. I explained to him that I sent it using the payment stub attached to my monthly billing statement. There is a line indicating " principal '' on the payment stub and that is what I use. Under the " monthly payment '' box I put " Auto Draft ''. I have been submitting additional principal payments in this manner to the address on the payment stub since XX/XX/XXXX with no issue. He stated that he was told by an individual in a higher position that they could not do anything further. I asked to speak directly to that individual. 

When I was transferred to this individual, I believe her name was XXXX, she stated that it was not because of where I sent it, but that they were unable to back date it in their system. I told her that was unacceptable. It was their error. They cashed the check on that date and I should be credited with the principal payment as of that date NOT two months later. She stated that she was going to reach out to a different department and would contact me back within 72 hours to follow up. It has been 12 days since that conversation and I have not heard back from anyone at Carrington Mortgage nor has my principal payment from XX/XX/XXXX been corrected.
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-25
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: National Credit Systems,Inc. (TX)

some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
Consumer complaint received 2022-06-04
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX 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