davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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, 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 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 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
Consumer complaint received 2020-05-14
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. (GA)

I have contacted Equifax several times explaining that I have never lived at these addresses but they continue to report them. I have explained that I am a victim of identity theft and there have been different addresses and inquires added to my credit report. This information is not mine and I want it deleted from my reports. 
The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These inquires do not belong to me and need to be removed immediately XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-14
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has  been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I received a letter in XX/XX/2022 dated XX/XX/2022 from Fair Collections and Outsourcing, XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX, claiming that I owed a debt of {$9300.00} from a lease with " XXXX XXXX XXXX  XXXX at C '' with unit number XXXX. 
I have never lived at such a location nor have I ever entered a lease with an entity known as " XXXXXXXX XXXX XXXXXXXX XXXX at C ''. Furthermore, the letter misspelled my name, indicating that the letter is either fraudulent or that the company did not do their due diligence to locate the correct individual. 

On XX/XX/XXXX I sent a Letter to Fair Collections and Outsourcing stating that this debt is not mine and that I had no dealings with the aforementioned leasing company. I further request that they stop contacting me regarding debt collections until they sent proof that I owed this debt. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Fair Collections and Outsourcing stating that " [ my ] account has already been reported by our office or is scheduled to be reported '' to the three national credit reporting bureaus. 

Fair Collections and Outsourcing ignored my request to provide proof of debt and threatened to report me to the credit bureaus, in violation of federal law.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-05-13
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. (AR)

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

Newrez Mortgage I have XXXX yr mortgage and have a long history of making additional " principal payments '' with my balance payment each month. I have never requested the additional/over funds payment to be applied to following monthly payment - Newrez has appropriately applied the overpayment to my " principal '' ever since they purchased/assumed loan from prior company. 

XX/XX/2023 - My monthy payment posted to my account. I included large overpayment ( exceeding XXXX  due amount- of which I have done before ). 
XX/XX/2023 - XXXX  payment posted to Pay off the Loan including Daily interest amount. 

Upon of review of these postings. Newrez applied the XX/XX/XXXX posing for XXXX monthly payments - Current and following month- then remaining balance for principal. On XX/XX/XXXX they repeated this same processes. 

Newrez received my payments and " booked them '' in a manner to a future payment not requested - these transactions were in Newrez Best Interest and My Worst Interest - MOVING MY LOAN payemt out XXXX  MONTHS WITHOUT CONSEST and Financial Considerations of my money to a unknow holding account. 

XX/XX/2023 Contacted/ requested resolution. Representative said will forward to Department to Correct, but left me without any follow-up or contact information after requesting.

In Summary, No Mortgage Company should be allowed to " manipulate customer funds '' in their best interest without consent of consumer/borrower. As a borrower I should be able to speak and have professional follow-up with a Lender - just like ALL Consumer Purchases - " not check back in XXXX  days ''. I believe the actions of this Company were intent to Defraud me of my payments which may have resulted in a Balance Owed to Me- choosing to defer payments and resulting in More Money Owed to Them.
Consumer complaint received 2022-06-24
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-07
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)

XX/XX/23 I submitted a XXXX  written request notifying experian that these accounts need to be removed since they have not been verified by experian. I Have not received any written documentation from experian verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. Experian has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (FL)

IQ Data International has called my husband multiple times including at his place of work during business hours to discuss collecting a debt that we have already explained is not valid and is being disputed. The collector ( s ) on the phone where disrespectful, aggressive, and threatened to continue to call back. The collector ( s ) have not respected our request to not call back and not call us at work. The so called " debt '' in question is being disputed as the amount is not accurate, and the business ( XXXX XXXX XXXX ) was reported to the XXXX  ( XXXX  CASE # : XXXX ) due to their unethical and irresponsible practices. We have tried to resolve directly with the business since day one but the business has been unresponsive and wont hear our dispute which we have provided evidence for in writing. The " debt '' was sold within 2 weeks to a collection agency and none of our emails or communications where responded to. The collection agency has not validated the " debt '' or the amount. We have not received anything in writing from anybody at this point. Both my husband and I have exceptional credit scores and an excellent credit history, and always pay what we owe on time. This debt is not valid and needs to be resolved.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Today I spoke with XXXX XXXX XXXX XXXX  with XXXX ID # XXXX I explained to him that my account shows Status Charge off in XX/XX/year> in XXXX and Account Status Closed in XXXX XXXX in Equifax I explained to him that Credit Cards closed accounts happen according to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ) credit card charge off must be reported XXXX  days from the date of the first delinquency in this case XXXX. I requested the delete of this account and other XXXX of XXXX XXXX XXXX XXXX of XXXX/XXXX  and another ones because are too old...... The credit Agencies XXXX and Equifax told me to call the banks in order to my credit report be accurate ... ... several lenders reported in the same way ... .Please that accounts now are more than XXXX years old I requested your help to delete those accounts Thank you..
Consumer complaint received 2023-02-07
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. (FL)

XX/XX/23 I submitted a XXXX  written request notifying experian that these accounts need to be removed since they have not been verified by XXXX. I Have not received any written documentation from XXXX  verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. XXXX has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I signed up for a Purchase Payment Plan with Chase XXXX. I agreed to a XXXX payment plan with a fixed monthly interest fee. However, after making several payments, along with payments for other purchases on my monthly statement, I began receiving interest fees, and the balance on my remaining non-payment plan purchases was not going down. 
After speaking with an Escalation rep at Chase, I was informed that additional funds from my payments were being applied to my fixed Payment Plan WITHOUT MY KNOWLEDGE OR CONSENT. This was preventing my outstanding balance for current purchases from being reduced, therefore incurring interest charges. 
Upon further review with the Escalation rep at Chase, I'm told that ANY credit that appears on my statement goes directly towards the Interest Savings Balance, including my fixed Purchase Plan. Therefore, after only making 3 payments in a XXXX plan, I now only have a remaining balance of less than 2 payments instead of 9, despite paying a fixed interest amount for 1 year. 
In other words, DO NOT ENROLL IN CHASE 'S PURCHASE PLAN. You will be charged a fixed interest rate for your payment plan, in addition to any additional interest accrued for other purchases that aren't being paid in your statement payment because Chase will apply any credit amount you receive to this payment plan BEFORE applying it to your credit balance.
Consumer complaint received 2019-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is reporting a closed credit card with a balance of {$1800.00} opened on XX/XX/XXXX on my XXXX credit report. At this time, there's no partial account number being reported. That account does not belong to me as I was a victim of identity theft. Last year, that account was removed from all my credit files. However, in XXXX of this year it showed again at my XXXX  credit file. 

Enclosed is a correspondence from XX/XX/XXXX that Bank of America is saying that the account is not reporting to the consumer reporting agencies. However, in XX/XX/XXXX the fraudulent account showed up on my credit report once again. 

Please help me resolve this matter. I have tried multiple times to contact bank of America to remove that account from my credit file. I also contacted XXXX to remove and block that account from my credit file but I have been given the run around. Both the credit card company and the credit bureau are reporting wrong information on my credit file which vilates my consumer rights under the Fair Credit Reporting Act. 

Please help me resolve this matter. 

Thank you very much.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IL)

During Covid I moved. The XXXX internet modem needed to be returned within 90 days to ups store. All stores were closed and I didn't get the equipment back within the window. 

I did return the equipment and have told the collection agency this and showed them the receipt. 

Every six months they start again even after multiple calls where I've explained the situation and told them nothing was owed and they were now harassing me for an unowed debt. 

The company ERC from XXXX Florida has an XXXX call center that only cares about getting money not resolving the issue. This is a bad reflection on XXXXXXXX XXXX  XXXX because they have been no help in stopping the calls.
Consumer complaint received 2022-06-24
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. (NC)

on XX/XX/22 I sent a letter for experian to investigate this account on my consumer report. they sent me a email telling me to check my account for dispute update and they stated account been VERIFIED. I never got a letter in the mail from them. I Sent another letter with tracking usps XXXX on XX/XX/22 asking them re-investigated and tell me The names and business addresses of each individual with whom you verified the information with. Also The date you contacted the individual furnisher of information and The method of communication you used to verify the information. Experian violated my rights more then twice. Under 15 usc 1681b i never gave written instruction to put this account on my consumer right.15 usc 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY. Under 15 usc 1681 ( a ) ( D ) ( 2 ) ( a ) ( iiii ) Experian was not fair they did not contact me asking me if this debt was mines. This is Fraud i did not tell you to put this on my CONSUMER REPORT.
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I have been asking for verification validation for going on 2 years. I have recieved absolutely nothing from said company. i want " proof '' of alleged debt. other than a computer generated invoice that anyone can make up, as long as a company has your name and some sort of address they can send out an invoice stating you owe this amount kind of like a ransom pay up or we will ding your credit report. something bearing my signature stating i have some sort of contractual obligation of said debt. I have disputed this information with the credit reporting agencies and only answer i get is that they certified that its accurate which implies that they in fact have some sort of documents bearing a signature some sort of contract.
Consumer complaint received 2024-10-01
Product: Credit 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: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX I contacted American family law center that was referred to me through legal aide I was needing an attorney to obtain custody of my granddaughter! I call the company and was ask by a agent what do I need help with she assured me they can help me and that it was a XXXX time payment of {$550.00} dollars that needed to be pay up from before I could be assigned to an attorney, and that I wouldnt be charge until I would meet with the attorney to see if or how he could help! So I initiate the payment to find out that the attorney would not represent you in court would on give you the documents that you have to fill out and file in court yourself! I immediately went to the website review and found out this company is a scam I file a fraud case with my credit card company and was issued a new card! I then card my card company and them what I did! The agent told me that I should have filed a dispute instead but it was not an issue they would handle it and notify the fraud department! And that I would have to wait until the charge post before I could dispute it called the whole month and it never posted until XX/XX/XXXX when I call them I was told that the fraud department investigated it and because I initiated the payment it was sent to the company and reissued to my new card as a charge to me! This was the fault of there agents not handling the case I was told during the process to send a email to example what happen and was given the wrong fax number then never got a case number for the fraud case nor the dispute case after it post! Finally was give a case number for the dispute and the right fax number. But now they are tell me theres nothing they can do! This was the fault of XXXX agents not mind, I loss the money needed to obtain a real lawyer,