davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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. (NJ)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and 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 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC ()

My sister, XXXX XXXX, unfortunately died in 2019 and you continue to pester us and collect undue debt with a court decision, as attached, which declares that it is undue. 

This is gross nonsense and disrespectful. If this is not resolved immediately, I will contact the press. 

I request immediate unlock of my XXXX cell device and there is still a financial pending, but I already have a court decision that decides as an undue and prescribed pending. 

Phone bill was ( XXXX ) XXXX for XXXX XXXX. 

XXXX XXXX  model XXXX information Serial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED (FL)

To whom this may concern : On XX/XX/2020 upon checking my credit I discovered that there were items reporting negatively on my credit which has been extremely harmful to my credit score. This same day I contacted the company listed as the creditor on my report, and proceeded with the dispute process. They replied with a letter on XX/XX/2020 stating that they are the debt collectors and that the info the had was valid. 

I responded with another dispute letter on XX/XX/2020 asking them to verify and show me where I had a contractual agreement with them, they refused and decided to send me yet another letter as their so called verification, this letter was dated XX/XX/2020 The company refuses to comply with the laws of the FCRA so I am writing with hopes to get help and bring this situation to a resolve. 

upon doing further research I discovered that this company isn't even registered to collect debts in the state of Florida. 

All info to support my claim is attached to this complaint.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NV)

XXXX dollar medical debt was reported on my credit which I paid in 2015 before I bought my house ( its showing paid right now as well ) and I was promised by debt collector company over the phone that I would get a deletion letter and it would be deleted .However it never happened .they never erased it from my report and when I called back they laughed at me and they were very rude and hung up on me .Now 5 years later Im trying to buy another house and its still hurting my credit and cant get the interest rate that I should .My lender wants it eliminated from my report as it would help me out .Please help
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have consistently provided information to show I did not authorize inquires including a wrong address that is listed on my credit report. The agencies are not removing the information even with the proof showing the information does not belong to me. I have been denied credit, jobs and other services due to this lack of due diligence by the agencies. It has caused me many mental, financial, and other related health issues.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

After reaching out to the Nordstrom company, and explaining why there was a 60 day and 30 day past due, they have responded unreasonably and proceeded to report this on my credit report. My very good score went from a good score of XXXX to a fair score of XXXX for just this occurrence. I have been a loyal customer for over 10 years with a Nordstrom debit card/credit card and have never missed payments to this magnitude. 
Explanation : I was dealing with emotional trauma and a family emergency. My husband is XXXX XXXX  XXXX and was redeploying after being gone for 9 months, he entered into an XXXX  XXXX  program. At the same time was also managing the health of my grandmother that fell ill and died in this timeframe all while stressors related to COVID ( working full time with virtual schooling ). 
Supporting evidence : I have reached out to the company and I was unaware that there was a hardship and/or COVID payment policy to postpone payments and never received anything alerting me of this policy to help out my family in a time of need. 
Additional Supporting evidence : At the time of payment due, I had plenty of money to cover the balance of the account and would have done so if I was able to emotionally handle this responsibility. I have attached statements of my bank accounts to show balances and proof.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This Complaint is in regards to a boat and trailer loan that began in XXXX. 

This loan was on auto payments for about 10 years. On XX/XX/XXXX, I received what I thought was my final statement via email. It showed a balance due of {$280.00}. Around the same time I received a call from Bank of America, they left a message. On XX/XX/XXXX, I returned the call, it was to their collections team. The gentleman told me that he didn't know why i received the call, the loan was not past due, and the final payment was scheduled for automatic withdrawal from my checking account as has happened for the previous decade. 

on XXXX XXXX, XXXX I received another statment from BOA via email. This Statement showed an " Amount Due of {$3300.00}. This email was opened on XX/XX/XXXX. 

On XX/XX/XXXX. I checked my banking acount to verify that the {$280.00} was indeed taken. Only {$260.00} was, this was the standard payment. I immediatley schedule a payment to pay the difference, and Called BOA to clarify the balance. 

I was unable to get an answer from the agent, and was also unable to speak with a manager. I was told a manager would call back.

A few Days later I received a call from the manager stating every payment was paid late and the charges would not be reversed. 

He forwarded me a statement of my account showing all of these charges. 

Shortly thereafter I received a notification from XXXX XXXX that my credit rating had dropped. Upon investigation I found that BOA changed the reporting from 100 % payments on time to 41 %. 

It is absurd that BOA whom is responsible for drafting the money from my account monthly, can intentionally do so late every month, then hide those late charges until the loan has been paid in full. In prior years, I paid more monthly than was required. I'm certain that I've already overpaid hundreds of dollars as those payments went to late charges that I didn't know existed, and not to lower the principle which they were intended.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I applied for a care Credit card last year to pay for a medical procedure.. I logged in and noticed that my available credit amount changed I now have the procedure scheduled but will have to cancel do to my limit changed from {$5500.00} to a little over {$800.00} I have never heard of a company doing that I feel that the company is awful considering its a medical credit card.. clearly I obtained the card for medical reasonI called and I was told they did a review of some sort ( didnt really care to explain much ) and decided to decrease my limit I asked to speak with a supervisor and he didnt seem to care at all as I explained my medical issue this company is horrible and will not recommend to anyone
Consumer complaint received 2020-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I called Equifax today regarding my credit freeze and fraud alert to confirm these were in place for my protection, that part of my call was completed, unfortunately I was transferred to the dispute department to address the fraud and errors on my report and to dispute a claim from XXXX XXXX XXXX XXXX that was fraudulent on my report. The representative I was speaking to was not helping me or cooperating with me. I asked for a supervisor and was put on hold for 20 minutes, finally he came back and indicated that he finally got a supervisor named XXXX on the phone, both were on the line and as the first rep released the call the supervisor ruefully put me on hold for 15 minutes without speaking to me or taking my call then just put me into the survey system without ever taking my call. I received no customer service from them.
Consumer complaint received 2022-09-26
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. (IL)

EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX ( LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately.
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (ID)

I got a loan from a company cnac buying car from jd byrider i traded my car towards down payment i signed my contract as time went on into the second month of my loan i originally got the vehicle in XXXX the company accidentally reported to credit bureaus i missed XXXX payments i call them they call correct it however my credit dropped XXXX pts n never got points back then i. XXXX i was having hard time paying cause they would call before my due date i paid every two weeks they had me come in and sign new contract however little did i notice on my new contract they didn't list my trade in or payments i made from XXXX to XXXX they then came n repossessed my vehicle for being two weeks late while i was at work then i notice never reported my on time payments n that i opened my loan on XXXX when i opened it in XXXX i have copies of my first contract and proof of all this please help
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TN)

In XX/XX/2022, I moved into XXXX XXXX XXXX XXXX due to an ice storm damaging my primary residence. My insurance company paid for the bill through the XXXX XXXX. I moved from the apartment on XX/XX/2022. I had a walk through with their maintenance man. He pointed out manor damages. ( A torn blind, etc. ) About {$100.00} worth of damages. About 15 days later XXXX XXXX sent a final bill stating the ENTIRE carpet needed to be replaced because of dog XXXX. XXXX and I paid a pet deposit and a monthly pet fee. XXXX and I both requested pictures of the damages. XXXX XXXX stated that a " carpet specialist '' inspected the carpet after I moved out and DREW a diagram of where the carpet was damage. The also statement the padding had to be replaced so the carpet could not be cleaned. XXXX, XXXX XXXX and I all refused because XXXX XXXX did not provide proof of the damage. Now the bill has been given to a collection company and is affecting my credit. 

ProCollect , Inc # XXXX
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NJ)

My Eppicard, daughters child support, number was stolen without my knowledge AGAIN!! The cards were in my wallet both time. This time I was told that I am unable to get my money back. However I did some digging and actually found the name of the guy who took it! This is happening to so many people that is ridiculous. If you read this website you can read what they are doing to people. https : //www.eppicardhelp.com/eppicard-customer-service-live-person/ That is just a little bit of what we go through just to get child support. I will attach prove and what they told me as a response to me. I feel there is an inside job at Eppicard giving out numbers of vulnerable consumers. 
On XX/XX/2020 my card was used at XXXX XXXX XXXX for {$540.00}. On XX/XX/2020 {$27.00} was used to purchase at XXXX XXXX XXXX XXXX. And finally on XX/XX/2020 for {$100.00}, XX/XX/2020 for {$140.00} and on XX/XX/2020 for {$400.00} was used at XXXX XXXX XXXX  XXXX.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Asked them to contact me by email and not repeatedly calling interrupting calls for assistance with Health and Human Services for community services and when I need to speak with the doctor. They use different numbers and I have tried to block them. I can not make any phone calls without them interrupting the phone call by getting on the line while I am talking to someone else.
Consumer complaint received 2023-04-03
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. (GA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-09-14
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. (TX)

An Auto Loan by XXXX XXXX XXXX was made to myself. After 3 years, I realized that after submitting the following information, XXXX AND XXXX have removed the negative information from my report. I need for EXPERIAN to do the same. 
ATTACHMENTS WITH ALL INFORMATION NEEDED. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect. 

XXXX XXXX XXXX XXXX recognizes the above referenced account as paid in full on XX/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Portfolio Recovery, LLC (CA)

XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. XXXX # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted Porfolio on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Recovery Service, Inc. (AL)

The issue is that National Recovery Service ( NRS ), an agent of XXXX XXXX XXXX XXXX XXXX has made entries in my credit report stating that I have been more than 120 days delinquent in payments to XXXX in an attempt to XXXX me into payment when both XXXX and NRS are aware that the billing is in dispute. This has been going on for a couple of years at this point and somewhere around {$5000.00} is in contention. XXXX is fraudulently inflating their billing by XXXX XXXX  and are expecting me to pay a portion calculated from their fraudulent fictitious number. Over this time I have sent four letters to XXXX  and another four letters to NRS expressing my concerns. Neither have responded to my letters and simply keep marching on as if I hadnt raised the issues I have. I pay all my bills on time, all the time, with the exception of MW and they report to my credit report that Im some sort of a dead beat. They cover up a fraud with the commission of yet another fraud.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX BANK XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

XXXX XXXXXXXX XXXX  XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statem
ent is required.

( 7 ) Any other error described in regulations of the Bureau.