davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Acct. # XXXX. 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 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 aggregates 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 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

I am filing this complaint to request the removal of a negative account that Wells Fargo is reporting on my XXXX, XXXX, and XXXX credit report. The account number reported on my credit report is XXXX. I called Wells Fargo on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and Wells Fargo is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that Wells Fargo delete this account from my XXXX, XXXX, and XXXX  credit reports immediately.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (GA)

An old medical bill from XX/XX/XXXX in the amount of {$480.00} that was supposed to be paid by my childs Medicaid was not paid. Commonwealth Financial is a collection agency and has reported this to my credit as a new account that started/opened in XXXX. I have been disputing this multiple times since last year that these dates are inaccurate and they keep reporting back that it is accurate. I have contacted XXXX and XXXX to fight this but they say they can not change anything if the collection agency is saying it is accurate. When trying to apply for a home loan, they are telling me This is hurting my credit because it appears as a new opened collection account. The loan officer said if I could get it updated to show this is an old account, it will help me. I have documentation of this showing correct dates but nobody is helping me to correct this. The collection agency keeps reporting it as all information being accurate.
Consumer complaint received 2022-07-06
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. (IL)

I sent a letter XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX, To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to any third party.

These are a clear violation of my federally protected consumer rights
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation (SC)

I've reached out to Fortiva on numerous occasions, including by email, phone, and direct messaging/chatting from their webpage in regards to the account protection services that I've been paying for monthly for many years. This service is supposed to provide payment coverage during loss of employment. 

The company has refused to apply the service I've been paying for that they are still charging me for and has continued to try to draft money from bank account causing several overdraft fees. They also incorrectly reported late payments to the credit bureau because I was unable to verify the incorrect social security they put on my file. 

They are continuously calling my phone and will not allow me to utilize the services I've been paying for, charging me an outrageous amount of interest and late fees.
Consumer complaint received 2022-07-06
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. (NC)

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  FI XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX/XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX CA ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

Rounpoint Mortgage offered me a modified mortgage because of COVD. Almost 9 months ago they sent me paperwork to be notarized, my lawyer was my notary. I mailed this second batch of papers to Roundpoint. 
They lowered my interest to approx. 3 % and told me to pay {$1600.00}. They explained I had a lower interest rate and a 45 years mortgage after a 3 month trial. I completed the trial, as said I notarized the document requested. 
Every month since XX/XX/XXXX I have paid XXXX the {$1600.00}. They called every month up to XXXX XXXX when I made the XX/XX/XXXX payment. 
I am XXXX and am XXXX XXXX XXXX, I drove to our mailbox yesterday and received a letter from Rounpoint with a much higher monthly payment than promised. I called and a female transferred me over to XXXX who started yelling you dont answer your phone, we have been calling you. He was very mean repeating the above quote until I burst into tears. I do in fact keep contact with Roundpointnand made the XXXX Payment on the phone with a person who confirmed all is well, I am approved, all is finalized. 
During this conversation, I find in this giant escrow statement that the loan was no longer in Roundpoint hands. 
I called the new bank and they told me Roundpoint never finished all of this work. Rounpoint told me too bad, XXXX said the FHA did it, do you just want to keep venting? He then accused me of yelling I was just trying to convey to him that the new bank XXXX XXXX said Roundpoint did not do their job, we see paperwork but Roundpoint didnt file it I was lied to for over a year by Roundpoint XXXX they did not do their job as promised and have a fiduciary responsibility to complete what was promised and asked for a 2 documents, 1 was notarized and sent complete to them months ago. 
The new bank has the papers from Rounpoint and said they did not do the job, now I must start all over again. I am a very sick woman and cried all day, it is devastating me.Roundpoint did not finish and shocked me in fine print, within a giant escrow statement they sneak in a higher payment and a new bank, no name of bank provided. So, I have a new bank with a high payment and a boatload of lies and admonishments from Roundpoint that I dont answer my phone. Please help me, Roundpoint blamed me? Even though I speak with them monthly and was promised modification 7 months ago. The letter from them is attached, I just opened it today and was attacked by this bank.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX  XXXX XXXX - XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Consumer complaint received 2021-01-28
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: T.S. Holdings (NC)

hello, my issue is with IQ Data INT out of XXXX, WA i have sent several letters to them directly starting on XX/XX/XXXX no response i sent out another letter asking them to validate this alleged debt on XX/XX/XXXX 3rd correspondent sent on XX/XX/XXXX last one sent on XX/XX/XXXX and still nothing. this false unverified reporting is stopping me from moving on with my life after college i just completed. they are reporting that i lived in a complex and owe them and it is not true and reporting inaccuratley i have also sent letters to all 3 credit agencies, XXXX, XXXX, XXXX and to have gotten no response month after month. i just dont know what to do at this point to get a fair and accurate repsonse from this place reporting horribly on my credit report. i read somewhere that your agency could help me as a consumer. i hope so please help.
Consumer complaint received 2021-01-28
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. (WA)

We XXXX and XXXX XXXX received on XX/XX/2021 a credit report showing credit scores below : XXXX XXXX XXXX XXXX XXXX XXXX We have asked on numerous occiassion for the credit burea to come to arbitration or court and they have found XXXX ways to get out of it. We have kept 10 years of paid receipts Rent, Car, Credit Cards, Utility Bills. When we dispute bills via certified return receipt that are fraudlent they refuse to goto arbitraion and or court. We would like to have each credit burea come to court and I will bring 10 years of paid receipts that show they have not been very honest or fair in their dealings. 

The credit Bureau who gave us the credit score is Experian XXXX XXXX XXXX XXXX Texas XXXX XXXX
Consumer complaint received 2022-02-21
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: LEXISNEXIS (NC)

I sent XXXX certified letters XXXX on XX/XX/2018 & XX/XX/2018 advising that I am not responsible for this insurance debt. I was never in an accident. l requested documentation a police report, etc. From the originator who sent me a letter back in XXXX. This information is being reported incorrectly on all of my credit reports as if it is a bankruptcy and checking XXXX XXXX Account ( XXXX ) because it can't be added as a collection debt. This is an illegal business practice on the part of the originator of the debt and LexisNexis. This debt was in dispute prior to it being placed on my credit report. This is not my debt, and it needs to be deleted from my credit report.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (NJ)

Ive reached to this company regarding my insurance company paying off this debt. Ive facts them all the information they need to contact the insurance company or reached out to me and they didnt.. Ive called XXXX XXXX XXXX and they didnt have a answer for why they didnt contact the insurance company before sending my name to collections and they didnt have an answer also.. theyre not taking accountability for not talking to insurance company who assured me my bills were paid
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been disputing with transunion since XXXX. I started to wonder why i never heard from them. I called them the other day XX/XX/XXXX and they told me the reason i have not seen progress with my disputes is because they were thrown away due to the fact the dispute dept thought it came from a 3rd party because I wrote the letter of my dispute too professionally.
Consumer complaint received 2024-09-04
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. (IN)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 A SECTION 2 : it also states a consumer reporting agency connot furnish 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 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is forcing all of its members to upgrade to a paid checking account when previous to this they have always been free. They have made it difficult to switch back to a free checking account by being unclear in their initial emails and social media communications about how to switch back to a free account, and the new free account comes with considerably more restrictions and less services than the old free account. This is a predatory hoping that people won't go through the trouble of switching back to the free accounts so they can charge you for what they use to include for free.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello my Name Is XXXX XXXX XXXX  and I have a problem that I believe you can help me with These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

In 2018, I settled for payment in full on a credit card that went into collections. The company in charge of collecting the payment is Hart Haytand Landeau. They have been slandering my credit every month. They continue to report a new charge off every month - even though I make the agreed upon payment on time. They are not reporting that the account was settled to the credit bureaus. I can not secure any new loans or employment because of their erroneous reporting. I believe they are trying to bully me into paying the amount in full in order to restore my credit and my life. This has significantly impacted my emotional and financial well being. Ive tried calling them multiple times only to be placed on hold for e tended periods of time. I believe this is a t tic they are using with other consumers also.
Consumer complaint received 2023-07-17
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)

XXXX a creditor on my credit report showed a 30 day and 90 day payment on my report. I filed a dispute because I have an email from extra showing that they submitted the correction back on XX/XX/. Experian claims to have done an investigation and validated the late payments, however I have recent emails from extra saying that they were never contacted and that they resubmitted the correction. Experian did not do a through investigation because the original creditor was never contacted. I have attached a copy of the original email from the creditor on XXXX of last year, the recent emails. 

Creditor : XXXX Account XXXX : XXXX Report says i am a 30 a 60 and a 90 day late payment when I have not had any missed payments. THey are corrected my XXXX however not my experian. Please see attached
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I called due to issues with accessing the website to submit a dispute and the agent on the call insisted on knowing why I needed to call. I advise I had an issue with Chapter XXXX on my credit and needed to access report to review the information reporting on the actual report with Equifax. The agent proceeded to reassure me that this information would not be removed without offering to do a full investigation. She was unwilling to offer to submit the request. She then moved on to assisting with getting access to the account. We were on the phone for nearly an hour when she finally verified the email that I was using was incorrect. We tried accessing with the correct email and that did not work. She then verified for home address and what she provided was invalid.. She quickly offered to update my address. I am still at this time not able to access the account. When I asked about the dispute process. She repeatedly asked why did I want to dispute the BK. She was short and rude and would not allow me to explain the issue. I told her of how I felt about the treatment I was recieving and she responded " As long as you have credit you will have to deal with us. '' I told her that I was upset she paused. and responded ... IS ther anything else. At that point I needed to disconnect the call before my emotions became escalated. This organization does not care about the consumer and is not willing to help resolve any credit related issues. Just an overall horrible experience.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (MS)

Sequium asset solutions llc is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union will automatically be switching my free checking account to a paid account without my permission. Though I have the option to opt out, it is not ethical for them to enroll me in a paid program without my consent. I should not have to spend 45 minutes + of my personal time to get my account back to normal.