davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC (AZ)

I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make payment.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with Transunion and XXXX multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from Transunion stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from XXXX. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my  credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told Transunion and XXXX in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (MA)

I received an unexpected annual fee of {$59.00} ( card is and was advertised as no fee ; however, during the sign up process I was " upgraded '' to a card with a fee I later learned ). As soon as I saw the fee, I called to cancel it ( XX/XX/XXXX ). They offered to cancel my card but wouldn't waive the fee. They didn't even offer a pro-rated credit for all the remaining months! 

I didn't willingly sign up for an annual fee card from Alliant. It's even more disappointing I've been a customer for over 10 years with a very large balance. I emailed the CEO ( XX/XX/XXXX ) about the issue though it still hasn't been resolved.
Consumer complaint received 2022-01-22
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

In XXXX I received a bill from Carrington Mortgage. I called to tell them was a mistake. My loan was through XXXX XXXX since they bought it from XXXX XXXX in previous complaint. I never agreed to this or even talked to anyone. After further checking this was some sort of equity loan I never received. By this time XXXX was foreclosing during pandemic. I checked with Sheriffs dept bf sheriff sale and mortgage holder was XXXX and they verified the last appraisal was in XXXX. I bought this home in XXXX. Paid for appraisal but never received it. I Called Carrington Mortgage and advised they were NOT mortgage holder listed. There response was hanging up and blocking my number. Also emailed with no response.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report first premier {$640.00} first progress {$150.00} discover {$530.00} XXXX {$1200.00} target {$270.00}
Consumer complaint received 2022-01-22
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)

The Credit Bureaus ( XXXX, XXXX, EXPERIAN ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (TX)

On XX/XX/2022 I sent a request for the debt validation for this company National Credit Audit in regards to the alleged debt, on XX/XX/2022 National Credit Audit sent back the debt validation by CFPB for someone with a name slightly similar to mine but not mine. Please review the attachments
Consumer complaint received 2016-03-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jon Barry and Associates, Inc. (MS)

This company called me and demanded payment for something they could n't tell me what it was for. All they could tell me was that it was from XXXX XXXX XXXX so I called the hospital and XXXX different departments ( hospital billing dept, physician services, and XXXX ) within the hospital and each department said I did n't owe anything. I called the " debt collector '' back to try and find out if this was real or a scam because all they did was call and demand payment over the phone. I asked them all 3 times I spoke with them to please send me a bill in the mail. I 've given them my address each time and I still have n't received any written notice stating what this is for and I have no idea how to find out what I 'm paying for. I ca n't get them to work with me and I do n't want to pay something I do n't owe. I 'm NEVER late or delinquent on anything I owe!! I do n't even know what bill they are asking for!! I also called my insurance company and they have nothing on record that I owe. Please Help
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (UT)

I have disputed this on more then one attempt and CFPB closed account without investigating my complaint against IQ Data international false claims. CFPB states that A debt collector may not collect any interest or fee not authorized by the agreement or by law. 

The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. I have argued this fact in my previous statement and nothing has been done about this false claims by this debt collector. I have not agreed nor signed anything agreeing to a third party interest or any kind. IQ Data international states in this letter stating under the CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX and XXXX Internal Reference : XXXX We have received your dispute letters of XX/XX/XXXX and XXXX, XXXX, in which you dispute the interest charges on your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$640.00} owed to our client, XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX to the addresses submitted by our client which was unfortunately returned as undeliverable. Our office again mailed notification to your updated address on XX/XX/XXXX. Our office disagrees with your assessment regarding charging interest. Your account is accruing interest of 7.00 % per annum as allowable by law. This interest rate was disclosed in your initial notification. 

Under what Law is this allowed under Fair Credit Act? Under the 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

IQ Data has been sued for this same Tactic more then XXXX times. I request this company provide proof they are entitled to this false claim stating I agreed to this debt or even signed any agreement stating I agreed to a third party interest fee. CFPB failed to investigate this false claim and I have been asked by my legal counsel to try again. If this complaint can't be resolved I will be moving towards legal matters suing both CFPB an IQ data international
Consumer complaint received 2023-02-09
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Another Junk debt buyer Diversified Consultants who can't send a valid complete comprehensive chain of title from XXXX XXXX XXXX who they alleged gave them permission to pursue this debt. XXXX XXXX XXXX was being paid monthly for this bill and they tried to take money from my bank account three times in one month and the next month they put my account in collections. They violated the Fair Debt Collections Practices Act. This company has failed to show a signed contract. Moreover it doesn't show the terms of the contract so without those terms, any interest or fees would be unsupported evidence. And seeking interest or fees without a contract is a violation of the Fair Debt Collection Practices Act. Another debt collection company engaged in illegal collection practices.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (AR)

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge ALL CREDIT HISTORY OF THE LOANS WILL BE DELETED. I've sent multiple disputes to Navient and each credit bureau that's STILL reporting and they REFUSE to remove them.

Navient has reported them as defaulted and/or paid as agreed and that is NOT what it is. They have been DISCHARGED!!! NOT paid as agreed or defaulted. I've called them several times about this. I even spoke with someone who said they should've been deleted since they were approved for a discharge. The letter they sent even said they will they will notify the consumer reporting agencies to have them removed. They've yet to do that.

They are fraudulently reporting them as something they shouldn't be reporting as. I've asked them to change the status from DEFAULT/PAID AS AGREED to their true status of DISCHARGE and they refuse to. They constantly say they are reporting them correctly when they aren't.

This needs to be resolved AS SOON AS POSSIBLE.

I've attached the LOAN DISCHARGE APPROVAL LETTER, the letter from them saying they are reporting correctly ( as they are NOT ), and a copies of my credit report that show where they are still reporting incorrectly.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2018,, And Cotinuting Problems, If Wells Fargo Banks Did ( ALL ) Those Very Bad Mishaps,, ( Note In Question )?? Why Have'nt Anyone From That Company Went To Jail Yet??, Its Very Obvious They Did Amit it??? And That Is A ( FACT )???
Consumer complaint received 2022-01-22
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is in breach of our mortgage contract. They are withholding more in our escrow account then what is clearly agreed upon. They flat out refuse to explain why. I have tried to get a explanation out of them but all they do is deflect and double talk every time I ask a direct question about why they are with holding more then what is required. This is typical for this company. They have a bad reputation and I feel uneasy dealing with them.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-09
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC (AZ)

My wife received a text message stating ( XXXX XXXX please call P & B Capital Group LLC at XXXX XXXX ) for file # XXXX to avoid a delinquent tradeline report. ) This company has not talked to my wife and has not sent any letters regarding this account.
Consumer complaint received 2022-01-22
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. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX  accuracy not XXXX or XXXX
Consumer complaint received 2022-01-22
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-23
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. (GA)

I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, Equifax and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NJ)

On XX/XX/2022 I ordered a XXXX phone online for my XXXX XXXX XXXX for her birthday the amount paid for the phone was XXXX it was a XXXX XXXX a red model being as though I was a new customer I only paid for the first 3 months of billing and the phone was free and it was expected to get delivered the next business day which was XX/XX/XXXX after I receive the tracking number and the carrier which was ups I turned in notifications to keep track of my package the next day comes when the package was expected to arrive I headed out early that morning to my daughters XXXX doctor all the way in XXXX XXXX XXXX I received a notification 15 minutes after the package was delivered I called my neighbor she stated that when she went to look for the package which was dropped in front of my door it was nothing there so after my daughters appointment I headed home to see if It was maybe in my mailbox it was not I then called my housing manager and requested the cameras be ran back to see was a package taken from by my door and he called back within an hour and indeed saw someone picking a small box up from in front of my door I also filed a police report and my housing manger did as well I also called XXXX  they gave me useless options either purchase a phone or basically dispute it with my bank which is chime I disputed my order on XX/XX/2022 and I called today XX/XX/XXXX for an update chime replied I was not eligible for provisional credit and that it can take up to 90 days for a decision from the merchant which was XXXX XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.