davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

Portfolios recovery keeps calling after I told them repeatedly I have no money at this time and I am XXXX and can not work at this time. I realize I owe money but calling me and harass me is not putting money in my pocket
Consumer complaint received 2023-07-12
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. (PA)

I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports XXXX
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I tried to get my credit report from XXXX, Experian but Im having trouble getting into my account and creating one on XX/XX/2024. 
I tried to open a checking account on XX/XX/2024 and they told me that there are multiple consumers associated with my social.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was involved in the XXXX breach. The surveillance company, XXXX, we were given to enroll in informed me that a collections was entered on my credit report. I told them it was not mine and they investigated. In XXXX they deemed it to be fraudulent and disputed it on my behalf with the credit bureaus. XXXX told me to check in XXXX and that it should be expunged from my reports -- it is still there. They say that they can not do anything else. Can you help me get it removed -- it is effecting my credit score.
Consumer complaint received 2023-07-12
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. (FL)

Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a RIGHT TO PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of XXXXI have called on numerous occasions about my rights being violated. I spoke to the specialist team supervisor and there has been no change to my consumer report. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have mailed an identity theft report via certified mail and need those items removed off my consumer report as well. 

Pursuant to 15 USC 1681 c-2 ( a ) you have 4 DAYS from the data of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate.
Consumer complaint received 2023-07-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (TN)

E arly Warning continues to list an account I had with XXXX XXXX XXXX as fraud-related. I 've attempted numerous times to have this negative listing removed to no avail. I 've initiated disputes with Early Warning and XXXX XXXX XXXX and both have refused to remove the inaccurate listing.
There is no evidence of a debt owed and no evidence of fraudulent activity. I 've contacted XXXX XXXX XXXX and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the negative item. The listing remains inaccurate, incomplete and not verified.
My last communication with Early Warning was on XXXX XXXX 2017, in which I requested removal of the XXXX XXXX XXXX account. To date, this negative listing is still on my consumer report and is severely impacting my banking abilities.
Consumer complaint received 2023-07-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXhas violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwestern Health Management INC (MO)

XXXX XXXX gave an estimate for a medical procedure ( XXXX ) .My insurance would pay for a certain amount, & I would be responsible for approximately $ 600- {$700.00}. My doctor said that if the insurance would have paid more, then he would recommend the XXXX, so the doctor & myself decided not to get the medical procedure ( XXXX ). That is when XXXX XXXX offered to lower their price so they could get the business. XXXX XXXX offered to do the procedure for the amount the insurance would pay. They performed the XXXX and I did not receive a bill from XXXX XXXX. XXXX XXXX sold to XXXX XXXX & then 16-17 months after the XXXX was performed I received a bill from Mosaic for the XXXX that XXXX XXXX had performed.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (MD)

1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 
2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 
3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 
4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NE)

In XXXX I started a student loan repayment program through my employer where they would make payments to my loan on my behalf and I would work for them a certain amount of time or I would have to pay them back every penny. There are 5 payments of {$430.00} made from XXXX to XXXX. 
In XXXX, I got an email saying my account was officially moved and I logged in to my Edfinancial and saw that the money was moved. Only the XXXX payment showed up in the history but it was after the money was moved so it did not apply to the balance. I logged into the new account and none of the payments since XXXX were on the account. I contacted them and they said it could take up to 90 days for payments to the wrong account number to find their place but it has been more than that amount of time since XXXX. I had my employer program contact them and they were told the same thing. I have tried calling them and they hang up or say that they cant release any information. 
I have paid off the loan because Im not going to wait until interest starts accumulating to pay it.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (KS)

Call company today. Tried to explain that I have previously stated cease and desist.I contacted the municipal court, they stated no action will be taken, these are from 2008. I did receive a letter yesterday stating that your drivers maybe suspended and a may be an active warrant for your arrest. I have asked again to cease and desist and was told today that they will not do that and call and letters will continue.this I harassment and I wan it stopped!
Consumer complaint received 2023-07-14
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not LexisNexis. I deny the debt and the entries on my credit report.

1. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided.

2. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies.

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : 1. In response to a court order or federal grand jury subpoena.

2. For legitimate business needs related to a credit transaction.

3. For employment purposes, such as when an employer wants to conduct a background check on a potential employee.

4. For insurance underwriting or determining eligibility for insurance coverage.

5. To assess a consumer 's eligibility for a government license or benefit.

6. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment.

7. To review a consumer 's account for account monitoring or account review purposes.

I have requested documentation from LexisNexis on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through XXXX that they are the entity reporting the bankruptcies.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

We financed for a piece of furniture through Conns in XXXX. I have the payments set on automatic. They tried to pull early and it didnt go through due to finances. We did a partial payment because I went into the hospital. They have called me repeatedly every day ( at least 5 times ) from early in the morning to late at night. 

When I answered and told them we cant afford it due to me going into the hospital, and that its set automatically for the XXXX. We can pay then. He said alright but you will continue to get calls until its paid. I asked if he was going to harass me knowing we cant pay and we are set up for the XXXX. He got agitated and said that they will and that its not a guarantee until we pay, so they will call us every day. Its not the first time they harassed us and have even called my work in the past saying that I owe a debt and am not making payments, which resulted in my boss calling me about the issue. I was only a couple of days behind. 
I ended up having to move jobs.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NRA Group, LLC (NY)

RE : NRA LLC and XXXX - At XXXX on XX/XX/XXXX I received a call from an unknown number - Caller stated my name and asked me to verify ( no other information was provided by caller ) - I confirmed my name - Caller then stated last XXXX digits of my social security #. I declined and asked him what this was regarding. He told me he was calling from NRA LLC but refused ( despite my question ) to tell me what NRA LLC was. Caller said he would not tell me if I would not confirm my social security and hung up. 
- I was deeply disturbed by this and I assumed this was an attempt to steal information for identity theft. 
- I called back and the same caller answered. I asked what his company did and he replied, " I just talked to you, '' and hung up again. I called 3 more times and the call was deliberately rejected each time. 
- On the fourth attempt a woman answered who this time took the time to explain this was a {$24.00} debt (! ) that I was not even aware of and actually explained what the call was about.
Consumer complaint received 2023-07-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2017 my bank issued a paper check in the amount of XXXX to Paypal Credit. This check was received and deposited by XXXX of XX/XX/2017. On XX/XX/XXXX, my account still showed a balance of {$650.00}. I asked about it, and they requested I provide them with check number, date of issue, date of deposit. This information was provided. I have provided this information to them several times, both by email, and by phone. They still have not credited my account for XXXX. The last message I received from them today asked me to provide proof of electronic payment -- when I have already told them a check was mailed. They keep asking for the same information over and over again and wo n't resolve the issue. They have not made any progress, and each representative I speak to seems to be talking about the situation as if it were the first time I 've made the complaint.