davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (FL)

The XXXX XXXX XXXX XXXX sent a letter to me on XXXX XXXX, XXXX regarding an alleged medical debt. 

The company stated in the letter that unless you notify this office within 30 days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. 

**THEY DID NOT GIVE ME THE 30 DAYS REQUIRED to dispute, before they added this debt to my credit report on XXXX I immediately reported this company to the BBB who received a comment from the company that they world refer this debt back to it's partner XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

I also called the company on XX/XX/2020 and disputed the validity of the debt to which I was advised it would be taken care of by referring it back to XXXX XXXX XXXX XXXX XXXX ** but did not remedy me by removing the information it has placed with the credit bureaus. *** I disputed the collection account with Experian who just sent me a message saying they verified the debt and will not be removing it from my report. I challenge this as I believe the company has violated the Fair Debt Collection Practices Act as well as the Fair Debt Reporting Act.
Consumer complaint received 2022-09-21
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus 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 remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (GA)

I HAVE ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (PA)

ACCOUNT SHOWS LATE PAYMENTS. THIS ACCOUNT HAS NEVER BEEN LATE NOR HAS ANY PAYMENT EVER BEEN MISSED.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (KY)

I had rented through an apartment complex called " XXXX XXXX '' in XXXX, Virginia from XX/XX/XXXX though the end of XX/XX/XXXX. We had left our lease early as I needed to relocate for a job opportunity. I had to go through the early lease termination which was set at XXXX or 2 months rent. We were told we would leave, they would make their assessment of the amount of the deposit to be kept and send us a notification of the amount still owed. I received the letter listing what the deposit was used for and the amount left over and the notice I had 14 days to dispute the amount with the management team. This letter had no due date and had no terms on how payment should be made or at what date the payment was due by. So, reasonably, I was under the assumption they would wait the dispute period and then would send me a final bill. The next communication that I received was a phone call from a debt collector saying that I was sent to collections and asked if I was able to pay the amount in full that day. I told them during the first call that day that I was at work and requested a call back the next day. I was then called a few hours later that same day after making an appointment for the following day. I told the representative this and he said that he figured he would try again just to see if I was available. I told him I was driving and was unable to do any kind of payment or really work out many details. I did ask what the settlement amount was and was told the offer was available for 24 hours. I told him I would have to be in contact with them later and that this amount shouldn't have been sent to collections yet as I hadnt revived a final bill. He told me that the debt has been reported to them on XX/XX/XXXX, and they reached out to me on XX/XX/XXXX. They didn't inform me of my ability to dispute the debt at all and as of today XX/XX/XXXX I have yet to receive any written document from the debt collector. Looking back at my lease it says that I have 60 days after my vacation notice from the apartment to settle all amounts owed to the management office. My vacation notice date was XX/XX/XXXX which means I would have had to pay any amount owed by XX/XX/XXXX before my account would have been sent to collections. The collection agency is Hunter Warfield.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 my ID, debit card, phone and 2- credit cards were stolen by force from three individuals. I reported this to the police and bank in less then 24 hrs. The thieves hacked into my Wells Fargo bank account and used XXXX to make a {$1500.00} transfer and a {$2000.00} transfer to themselves totaling {$3500.00}. My bank has declined my claim of illegally activity claiming the transactions were authorized.
Consumer complaint received 2020-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

UNITED REVENUE CORP Account Number XXXX This company has posted collection on my credit. I have disputed them twice and they tell the credit bureau the debt is legit. AND IT IS NOT! I don't really know how to fix this problem. I do know I will nevr give a dime to someone claiming I owe them when I know I don't! 
I discovered they started reporting this since XX/XX/2014. 
Again this is not my debt!
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

I purchased a mower on my XXXX XXXXt credit card on XXXX XXXX for {$3500.00} with deferred interest for 24 months. My first payment of {$140.00} was due on XXXX XXXX. I paid {$140.00} on XXXX XXXX. I mistakingly under paid by {$1.00} and paid another {$5.00} on XXXX XXXX. On the next month statement it reflected a {$27.00} late payment fee. Numerous calls to the customer support center were made without being able to speak to a real person, in excess of 1 hour wait times. I paid another {$150.00} on XX/XX/2020 ( due  XX/XX/2020 ). Because I only paid my regular monthly payment and not the {$27.00} late charge I was assessed another {$38.00} late fee. Additional calls to the support center were not answered. I engaged the on line service who said they would waive the {$38.00} late fee if I made an immediate payment on XXXX XXXX in the amount of {$200.00}. I paid this well in advance of my regular scheduled date of XXXX XXXX. The {$38.00} fee was reversed but not the {$27.00}. Additional numerous calls to help center have not been answered even though I have waited on the phone for 1 1/2 hours on hold. The online assistance will not reply to my latest request to have the Original late fee reversed. I believe this is financial abuse by the company and their inadequate customer service makes resolution impossible.
Consumer complaint received 2022-09-20
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. (GA)

My score dropped XXXX after I called and complained about an dispute with out any explanation! As to way it down the company is tampering with my credit report I was sent to three different departments from dispute to fraud to a supervisor that could not help back to dispute this has gotten out of hand with Equifax!!!
Consumer complaint received 2022-09-21
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

The original creditor close the account/charge to account off. The account was close back in XX/XX/19 XXXX. I wanted to know how Midland credit management was able to acquire my account since it was closed. I know this that if an account goes into default, the original creditor has to right to write that particular loan off in full as a credit loss on their taxes. I wanted to know is the original creditor forfeiture their right to write this loan off on their taxes. I feel that this is wrong, Midland credit management has no skin in the game but seems to me is looking for a way to receive free money.
Consumer complaint received 2020-09-18
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. (OH)

These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.
Consumer complaint received 2022-09-12
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: BARCLAYS BANK DELAWARE (FL)

I rented a vehicle from XXXX XXXX in XXXX XXXX on XX/XX/2022. During the rental period the battery had to be replaced. As agreed, I paid the {$75.00} when returning the car on XX/XX/XXXX. At the time there was no discovery or acknowledgement of any damage to the car. The invoice at the time showed only the {$75.00} battery charge. I paid the charge as evidenced by my signed receipt on XX/XX/2022 and returned to Florida. 

Three days later a charge appeared on my credit card for {$170.00} for supposed damage to the running board. A receipt was generated for {$170.00} without my signature or consent. There is no valid proof of any damage to the car from my use. 

I have been in correspondence with the credit card company to no avail. I sent them documentation of the altered invoice and charge. They have refused to acknowledge fraud first by saying it was too late for a complaint and then for a no refund claim by the company. 

Neither the credit card company nor the rental agency will answer my complaint. 

As back up, I forwarded the charge to the same credit card company for reimbursement through my rental card insurance and they have had no cooperation from XXXX XXXX. 

This is obvious victimization of a senior citizen both from the credit card company and XXXX XXXX. I plead to you for help! 

Credit Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX? XXXX
Consumer complaint received 2021-04-23
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. (CA)

Experian should not be reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXX XXXX. I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account even existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Experian. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-18
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. (AL)

I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.
Consumer complaint received 2022-07-22
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. (OH)

Equifax has 2 addresses listed on my report I have never lived at I have disputed this information they keep putting it back on Only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (TX)

This is a formal complaint against XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (TN)

On XXXX XXXX, I XXXX XXXX XXXX purchase a XXXX XXXX XXXX from XXXX XXXX XXXX finance through Ally. I have contacted Ally several time concerning the 20 % interest rate. On XX/XX/XXXX, the covid -19, came I requested a relief which was for four months and the payment suppose to be put at the end of the loan. On XXXX XXXX requested from XXXX XXXX XXXX to cancel the extended warranty it was cancel payment sent to ally in the amount of {$1800.00} Ally applied the fund to interest not the principal. On XXXX XXXX I request XXXX XXXX XXXX cancel the Gap plan which was cancel and the amount of {$860.00} sent to Ally this payment amount went to the principal balance but not the {$860.00} only {$420.00}. My principal balance to Ally was XXXX now XXXX. I requested Ally to correct this matter but as of today no correction made also requested Ally to refinance the high interest rate they stated to me we don't refinance. This is a ripoff. 
Account # XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

I had a forbarence plan set up with Shellpoint Mortgage due to COVID-19. I was able to get off the forbarence plan in XXXX of 2021, at that point Shellpoint offered me an option to do a loan modification. During the loan modification process i was under the assumption that the forbarence plan was still in affect until the modification process was completed so i continued to defer my payment. The modification paperwork needed to be notarized so Shellpoint hired a 3rd party notary and i had nothing but issues with them. Took almost 2 months to finally get a schedule date. Now Shellpoint has reported me 60 days late on my mortgage. Im trying to re-finance my house right now and this negative/inaccurate reporting on Shellpoint 's part is making it impossible to do so. I have filed complaints directly to Shellpoint and also tried to dispute the negative report thru XXXX with zero success.