davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd. (GA)

I previously received a wage garnishment letter from my employer for XXXX XXXX XXXX for an auto repossession. This occurred for 6 months then I received a release of garnishment summons XXXX XXXX. When I was paid on XXXX/XXXX/XXXX and a garnishment amount was on my check, I received contact information from my HR department I knew my debt was paid based on what was owed. On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained my check was garnished previously and was not notified and it started again. I was told they won a judgement against me and that my spouse was notified of it in XXXX. She gave me the name of my son And asked me if he told me. I told her that was not my spouse and i was not served. Then she advised me the judgement was XXXX which after 6 months garnishment has XXXX balance and interest which by law they can charge. I stated they never notified me, they garnished my check. I need the amount owed to avoid interest. She stated I could pay {$1200.00} to be put on a plan with them to come from under the settlement. I am learning this was a legal action that had a court date that I did not attend in XXXX. Then the amount she gave was XXXX with a balance of XXXX plus XXXX to pay them to set up a payment plan. Not only was I not notified or properly served on the initial Legal Action in XXXX XXXX, but this garnishment is from XXXX XXXX, and I was not notified again.I provided them my address and then was told I Will be notified they garnished my check XXXX/XXXX/XXXX and the balance is XXXX for " now ''. 
I was not aware how garnishment occur. I did not know it was a court hearing. 
I was never properly notified or served concerning a legal action. They disclosed my information concerning my debt without my consent. 
My FDCPA rights was clearly violated my this company.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my personal credit report, which I acquired from your Transunion on XX/XX/XXXX and I noticed several unauthorized inquiries had been made. I believe I was a victim of Transunion inquiry issue. Since I have contacted the Transunion and the companies who conducted these unauthorized inquires and asked them to remove these credit inquiries from my credit profile. I spoke with multiple Transunion costumer services specialists, and I was told there was nothing that could be done and their customer service would not help and take care of the negative inquiries reporting to my credit report.I request that you initiate an investigation into these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX I via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations
associated with the above-referenced account. Your agencys incorrect reporting of this account 
violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage 
to my credit profile. Immediate correction is required to avoid further escalation.
Violations Identified for the XXXX Account
1. Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts.
2. Discrepancies in Last Activity Dates
o XXXX  lists the last activity as XX/XX/2024, while Experian reports it as 
XX/XX/2024, and Equifax reflects XX/XX/2024. This inconsistency directly violates 
611 of the FCRA, which mandates accurate and consistent reporting.
3. Failure to Align Payment History with Account Status
o The payment history indicates multiple late marks even after the account is 
marked paid and closed, which creates an inaccurate reflection of the account's 
standing.
4. Dispute Status Not Updated
o The account is incorrectly marked as "Account Not Disputed", despite previous 
efforts to correct the reporting. This non-compliance with 623 of the FCRA
demonstrates a failure to properly handle disputes and ensure accurate updates.
5. Conflicting Remarks and Status
o Remarks state, "Closed or paid account / XX/XX/XXXX, fixed rate," yet late 
payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX XXXX has recently begun reporting an erroneous collection to the various reporting agencies on behalf of XXXX XXXX. I have never had an account with XXXX closed or left remaining with an open balance. I disputed the debt to XXXX XXXX, and XXXX replied that the information should be removed from my credit history, and it was. So, no issue there, except that they instructed XXXX and XXXX to continue reporting the identical account after instructing XXXX XXXX to remove it. I have attempted to dispute the collection and its reporting, but XXXX continues to verify to the credit reporting agencies that the debt as accurate. I can only assume they are n't bothering to check with XXXX, as I 'm positive even a cursory search will reveal the account is not mine. This brand new collection is causing a lot of damage to my credit just as I am attempting to buy a home, and I would like to avoid a lawsuit for this misplaced collection keeping me from that.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

XXXX XXXX is the company that handles my XXXX XXXX XXXX XXXX XXXX payment account. This was set up about a year ago. Each month, approximately {$3000.00} is deposited into the account in the form of XXXX XXXX XXXX  benefits. On XXXX XXXX two deposits were made and by XXXX XXXX approx {$2700.00} had been electronically transferred to another account. This was an immediate transfer and was NOT authorized by me. I believe there was a breach in their security. I have tried for days now to get XXXX XXXX to work with me on this. I wait for approximately 20 to 30 minutes to get a representative. Once I get one they say that they will transfer me to " level 2 '' and I am then disconnected. I have spent approximately 4 to 5 hours on the phone and they are telling me that other than continuing to call back there 's nothing they can do for me. My account has been completely wiped out. I did not authorize this transaction and the company is making zero attempt to help me resolve this issue. I 'm unable to pay rent or bills until they help me resolve this. The only thing they have done thus far is cancel my account and tell me it 'll be at least 10 days until a new card comes in the mail. In the meantime, I do n't have access to anything.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I opened a claim in XXXX, XXXX against Wells Fargo Home Mortgage. I am currently awaiting a response, confirmation, and a refund/credit of a large sum of money owed to me. The last communication from Wells Fargo in mid XXXX stated that they expected to have a resolution by XXXX XXXX. To date, I have not received any email, phone call or message, or letter with any resolution to my claim. Communication has gone cold. 

My primary mortgage was sold from Wells Fargo to XXXX. The original HELOC, now a 2nd mortgage, was not sold, remains with Wells Fargo, & the balance due is inaccurate. There is an ongoing dispute and supposedly an active investigation into a {$20000.00}  payment that I paid by cashier 's check to XXXX XXXX before XXXX XXXX was sold to XXXX, then acquired by Wells Fargo. I provided evidence of the payment & Wells Fargo has been unwilling to credit my account or pay me back the unapplied funds. Instead, they issued a sale date based on {$6000.00} that appears unpaid due to this dispute. Wells Fargo has failed to identify where they applied the funds ; however, they were never applied to my HELOC or 2nd mortgage account. They have also been unwilling to enact any sort of resolution. They have been unwilling to accept payments for the past year. They will not consider a new modification. The amount of money Wells Fargo owes me far exceeds the amount of money I owe them. Account # # XXXX
Consumer complaint received 2024-11-08
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$810.00}
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TN)

I took a starter loan out at World Finance Corporation of XXXX, Tn,38401 this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from World Finance the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed World Finance I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to World Finance Corporation XX/XX/XXXXXXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Benjamin Chaise & Associates (NV)

they keep calling I have explained to them its my debt its not XXXX but they keep calling harassing me using threatening phone calls that will take everything I own seize my bank accounts, they keep saying just pay the debt its easier they keep telling I have told them to stop calling my cell phone but they do n't stop they keep calling from private numbers. 
They even called me this morning XXXX/XXXX/XXXX and once again I stated stop calling and XXXX XXXX said just breath since I know what happen in XXXX XXXX today to breath I told him to XXXX XXXX
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

I was sent information regarding a cell phone bill with XXXX XXXX XXXX from XXXX, and I have not had phone service with the company since early XXXX. I have submitted proof to XXXX XXXX XXXX proving that my bill was paid before I terminated my contract as my new service provider XXXX would not have reimbursed me and paid my early termination fee without a XXXX balance. The account number that was recently given to me regarding this account does not even match the account number I had when I was an XXXX XXXX XXXX customer. 

I am not sure why XXXX XXXX XXXX is targeting me for a debt I do not owe and never owed. This false attempt to collect a debt from someone who does not owe one feels like harassment and has affected my credit. While I am disgusted with XXXX XXXX XXXX, I am equally disgusted with the creditor company, Sunrise Credit Services , Inc. for not doing their research and targeting me as well. 

As suggested by my attorney, I will be pursuing legal action for emotional distress against Sunrise Credit Services , Inc. and XXXX XXXX XXXX if this matter is not handled meaning removed from my credit and my name out of their systems immediately.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quick Debt Services LLC (GA)

Received a call from XXXX XXXX XXXX Stated his company name and that he could process paperwork for getting my mortgage modified. It takes approximately 90 days. Once the processor has been notified of modification they can not ask for a payment therefore, rather than send my mortgage payment to the servicecer I would send the payment to XXXX XXXX the amount that I would be paying on my mortgage. When the modification is granted I will then get reimbursed for the 3 payments made to XXXX XXXX. That is how they are paid. XXXX then told me my processor 's name is XXXX XXXX XXXX. 
File to big to attach. Only attached documents to be returned with checks
Consumer complaint received 2017-10-02
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. (NJ)

I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX there is no reason for the agencies not to remove this ASAP. To date, only Experian has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX XXXX XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for Experian in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (CA)

I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.
Consumer complaint received 2018-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

XXXX XXXX XXXX XXXX XXXX was Closed due to Fraud and Predatory lending Practices I Qualify for Permanent Loan Dismissal According to the Federal Gov But when i contact Navient they tell me no such Program Exists and that I do not Qualify for this Program. 
Yet under Federal Statue i due and they refuse to dismiss my Loans cause of this
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.