davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (OK)

This company has been Robo calling me twice a day, every day for the last 5 days. I have added their phone number to my blocked list but they keep trying to call. When I called them back they refused to identify themselves until I answer personal questions about myself. 

I'm not going to give my personal information to a stranger over the phone. Their representatives refuse to tell me who they are and what company they work for. They just keep telling me they have an important business matter to discuss. I have hung up on them several times. I have asked them twice to stop calling me and the calls have not stopped.
Consumer complaint received 2018-08-01
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)

I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " Experian '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and Experian. You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of Child Support. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

Sent money to my wife in XXXX on XX/XX/2018 in the amount of {$120.00} at Moneygram station or CVS Pharmacy at XXXX XXXX XXXX, in XXXX, PA XXXX. Total cost {$130.00} which included the fee. Moneygram reference number XXXX. Moneygram gave me a refund including the fee later that week. Moneygram said that they didn't feel comfortable sending money for me after the review. There's nothing I can do about this they said.
Consumer complaint received 2018-08-01
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. (TX)

I have made XXXX attempts to remove erroneous and inaccurate names and addresses from my Experian Credit Report, but every single attempt has been ignored by Experian. 

My first attempt was via phone on XX/XX/2018. The representative had a heavy foreign accent which was incredibly hard to understand, and she said she could not remove the names and addresses from my report. Also I requested to have my employer and phone number deleted, which was deleted, but then immediately added back to my report. 

Since then I have mailed in XXXX letters disputing the erroneous and inaccurate information. I also provided a copy of my Driver 's License and proof of address. ALL XXXX requests were ignored, and as of today the erroneous names and addresses are still reporting to my report. The dates of disputes are XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

I have also disputed XXXX collection accounts that I have no knowledge of, and I would like them to be addressed. It's obvious they have a superficial process for " verifying collections '' otherwise these accounts would not still be on my report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2018-08-01
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. (IL)

i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my experian and XXXX as late when i never been late.
Consumer complaint received 2018-08-01
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)

I request an investigation from the TransUnion company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By XXXX, financial Injury. 
Protection under the FCRA, FCRA Section 623. 
Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). 
The Credit bureaus, " TransUnion '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 
I gave them all the original information of the companies, TransUnion did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. TransUnion refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. 
As the FCRA and TransUnion do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and TransUnion . 
You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. 
I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (MI)

I was in the process of buying a home and a few days before closing my lender explained that new collections hit my credit report. I immediately called XXXX XXXX agency and paid the amounts and asked that they delete the collections because I didn't receive notice of the collections. My credit score prior to this occurrence was in the 800 's and now I'm in the mid 600 's. I have two issues with how this was handled. 

1st- the medical debt was one occurrence and they reported it four times which decreased my credit score greatly. 

2nd- I didn't receive bills regarding these collections and If I did, I thought I paid them in XX/XX/2017. Their billing system is very confusing and I was working with the hospital and insurance. They didn't call me to ask why they didn't receive payment and I thought the issue was resolved. I had over 100 k in medical bills and it's very confusing to know what's paid by insurance and what i was responsible for. They claimed that they sent letters but were very vague and unwilling to help me. I am more than willing to pay my bills but XXXX XXXX XXXX don't make it easy. I even called in during this time to verify the collections I paid below and I wasn't notified that there were others sitting out there, I would've paid them had I know. 

3rd- I think it's unfair that my score goes down over a 100 points for services that were unavoidable. I have never had collections in the past and my other trade lines are paid on time and with minimal balances. I am currently doing a renovation loan and thought the issue was resolved until my mortgage lender pulled my credit. The other scoring models I subscribe to rate my credit much higher. I am going to pay a higher rate and fees if this issue isn't resolved and I am hoping you can help with this matter. 

I appreciate your time and please feel free to call me at XXXX or email me at XXXX XXXX XXXX XXXX XXXX Check # XXXX was mailed to XXXX XXXX XXXX for receipt by XX/XX/2017. 




Funds were withdrawn from your XXXX XXXX account on Info Not Available. 


Pay XXXX XXXX $ XXXX On Info Not Available Info Not Available PAPER CHECK Processed XXXX XX/XX/XXXX ( Estimated ) XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Company Name : XXXX XXXX XXXX XXXX XXXX Amount : {$100.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX | Company Name : XXXX XXXX Solution Amount : {$1000.00} Address : XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, XXXX  XXXX
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America was negligent in sending a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. 

On XX/XX/XXXX the sender alerted law enforcement and Bank of America, instructing Bank of America to send a service request immediately to the receiving bank ( XXXX XXXX ). Freeze the account and get the {$78000.00} back as there was evidence of criminal activity. 

The XXXX XXXX account was immediately frozen and on XX/XX/XXXX, 5 days later according to XXXX XXXX   's own bank statement, there was {$48000.00} in the frozen account - see attached bank statement from the receiving XXXX XXXX which was provided to the investigating detective. 

On XX/XX/XXXX Bank of America deposited only {$23000.00} back into the account of the victim. 

Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That is MY MONEY.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United Collection Bureau, Inc. (DC)

This company by the name of XXXX has contacted my family members without my permission and has also contacted me multiples even after I requested them to cease and desist with the calls. This mishap started around the week of XX/XX/XXXX. When I asked who the company was they only stated the above XXXX XXXX. I asked what did the matter pertain to and they didnt say only asked was a name. Since I have no meaningful relationship with this company nor do I have any recollection of receiving services or goods, or even partook in commerce with this company I asked them to stop calling my self and any numbers related to my information they obtained without my written consent, which in my eyes constitutes identity theft per consumer definitions, and the lady stated my number is deleted and I will receive no more calls. Well, on XX/XX/2018 I received another called in which I told the lady on the other end that I have already requested your company stop calling me previously and that your company is now in violation of the FDCPA.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I did business with XXXX XXXX and charged it to my Bank of America credit card. They added a second charge for {$920.00} that I did not authorize or even tell me about. The charge is for towing my vehicle and is for {$920.00}. If they had approached me with this amount I would obviously have denied it as it is not only my responsibility but completely exorbitant. 
I reported this to the credit card company and they say that the charge is to a third party, because my insurance coverage with " XXXX XXXX '' was supposed to pay it, but XXXX XXXX would not pay it because they said it was not authorized because of the high price. I would have told XXXX XXXX the same thing IF they had contacted me and told me they were going to charge me that amount for towing. 
The bottom line is I NEVER authorized XXXX XXXX to make this charge to my account. I was never even informed by XXXX XXXX that they were going to charge my account. Merchants are not allowed to add charges to a credit card " just because they want to '' without the consent of the credit card owner.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MT)

I opened a walmart Wal-Mart store credit card XXXX XXXX. They decided to change my card on XX/XX/XXXX to a Wal-Mart MasterCard. I checked my credit report and it is showing up as a new account. I never gave walmart permission to do another hard inquiry on my credit.So my credit score dropped a few points. I never knew it was legal to rerun credit without permission. I never asked them for a credit limit increase or anything. It shows that this is a new account and it is not. I tried contacting Wal-Mart earlier today and it would have been more effective to talk to a brick wall The attached files are just an example of one of my credit reports. I don't think i need to upload all three for them to understand why i am not happy
Consumer complaint received 2018-08-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Beginning XX/XX/XXXX, I entered into a re-payment plan with my mortgage company, Carrington Mortgage. I was having some trouble making the full payment amount. I contacted Carrington MS right away  and explain to them that I needed some extra time to come up with XX/XX/XXXX payment. After speaking to them i was put on a re-payment plan. The repayment plan allowed me to divide XX/XX/XXXX payment out over the next 3 months payments. Instead of paying the regular payment for XX/XX/XXXX I paid that as well as a additional {$570.00}. As the next month approached, I realized that I could not make the regular payment of {$1400.00} as well as the additional {$570.00}. I called CMS back and discussed what my options were, I knew I could not afford to pay that- though I dearly wanted to just put this all behind me. After speaking to CMS it was arranged that I would make a payment for XX/XX/XXXX for {$1400.00}, a payment for XX/XX/XXXX of {$2200.00}, and in XX/XX/XXXX for {$2000.00}, and would go back to my regular payment in XX/XX/XXXX. Which I did. After looking at my credit report at the beginning of XX/XX/XXXX I noticed that CMS had reported from XX/XX/XXXX-XX/XX/XXXX and was reflecting a 59 day late which plummeted my FICO score. I sent a certified letter and requested that they fix the error, my letter was received and CMS removed it from my credit reports. 

In XX/XX/XXXX my wife and I decided that we would take out a HELOC to make upgrades to our home and pay some debt off since the market was booming and home values were sky-rocketing. After having our credit checked it was made clear to us that Carrington MS had yet again made another mistake and had once again reported to the credit bureau a 30 day late for XX/XX/XXXX. I again sent them a certified letter ( that is the only way you are allowed to dispute ) asking them to remove their error. 

I received news today that they are denying my request to correct the mistake. I have all my bank details to show that there was not late payment in XX/XX/XXXX. The funds were drafted from my account on XX/XX/XXXX and on XX/XX/XXXX for a total payment amount of {$3000.00}. I have requested repeatedly to please send me a allocation of their payments with no avail. 

In the state of Georgia, from XX/XX/XXXX to XX/XX/XXXX all counties were considered disaster relief areas from hurricane Irma. I was assured by the customer service representative that I spoke to that it would not be an issue to correct the report due to the disaster relief area- if nothing else. I have been lied to and drug through the ringer with CMS. I have spent countless hours preparing letters and inquires to CMS. 

There has been no clear understanding with Carrington MS since day number one. I simply want the mistake corrected.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (FL)

In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$1400.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote a letter and mailed it certified delivery to XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I received no response so I wrote a second letter and mailed it by certified delivery on XX/XX/XXXX.

I received no response so I wrote a third letter and mailed it by certified delivery on XX/XX/XXXX. It is now ( 7 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX XXXX   this company is in violation, they are out of compliance.

Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract- all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( An original consumer contract with my wet signature on it ) you Have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my Ability to obtain credit under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts to be verified or remove Immediately.