davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (OH)

I have tried to resolve these issues countless times with compelling evidence. The bureaus state that they have verified these issues and they have never send the original contract needed to prove their investigation. According to 15 USC 1681 ( I ) ... they must prove Accuracy. No debt collector can report to the bureau as the original creditor... XXXX XXXX any such entity that are not the original creditor by law can report my financial issues.. because their not the creditor .. XXXX XXXX XXXX has been paid..I have the XXXX, because I had XXXX XXXX the debt was paid. And any and all Inquiries must be removed.. 15 USC 1681..I have the right to privacy ... This was a Consumer Transaction.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CAINE & WEINER COMPANY, INC. (UT)

This company is trying to collect a erroneous debt that we do not owe. They continue to call me and email me after I have told them more than once that I disputed the debt and to stop calling me.
Consumer complaint received 2023-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (AL)

XXXX Account type XXXX XXXX Individual Date opened XX/XX/2023 Status Collection account. {$930.00} past due as of XX/XX/2023. 

Before this point I contacted the hospital and told them they needed to bill my insurance since I had it and they refused to so. I am willing to pay my copay for this but I'm not willing to pay that total when I had XXXX at the time, they know it but I didn't have my XXXX card on me. They refused to bill XXXX  therefore the account should be paid in full. Now it's reported to the credit bureaus which is hurting my credit.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

My apartment place refused to fix anything since XX/XX/XXXX, including water leak which led to mold and parasites in the water heater. My whole family got really sick. They still refused. I call Chase and said they are not upholding their end of the contract of lease and that therefore I did not get the goods/services purchased ( a safe place to live ) and I want to dispute. XXXX disputed no issues. Chase refuses. {$1100.00} on XX/XX/XXXX. Why should I have to pay for an apartment that isnt safe and made my family sick? My apartment complex threatened eviction and I didnt know I could withhold rent so I paid. They said theyd fix it if I paid, then I did and they refused and cancel work orders and claim none were ever made. So I began paying with credit card even though there was {$70.00} fee so. I could dispute charges later on ( avoiding retaliation from complex ) and Chase refuses and says I shouldve withheld rent. Well Chase, sorry Im not an expert in tenant rights and rental laws. Sorry I was threatened and have a XXXX XXXX XXXX XXXX  to provide shelter for. But now that I am moving out I want to dispute so that they can not retaliate against me and make my familys lives even worse. Chase refuses and I disagree. I didnt get what I contractually was entitled to. So. I want my money back.
Consumer complaint received 2024-08-27
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. (MA)

XXXX. XXXX, 2024, {$XXXX} And Trans Union, XXXX XXXX According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report
Consumer complaint received 2021-01-15
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: Diversified Adjustment Service, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : DIVERSIFIED ADJ SVC # XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Looking at my credit report I see all my debts have been settled. Who ever garnished my wages has already garnished multiple wages from me. This debt should all be settled. The took so much money already! 

I was not notified of any wage garnishment and they are now again garnishing my wages, I don't know who is garnishing my wages! I did not get any notification. 

I have no idea how to contact them. 

Whoever did it garnished my wages already 4 or more years ago for multiple years. 

I do not know what to do. I can not afford them keep taking my wages. The debt is from more than 7 years ago. I don't know how to get a hold of anyone and have no idea who is garnishing my wages i kindly ask for your help
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account showed that I had {$70.00} in my checking account so I transfer the funds out to my other account, then a few days later I get an overdraft fee of {$69.00} for transferring my money BOFA tried to tell me that I didn't have those funds in account. if that's the case it shouldn't have shown that I had money in my account.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (NY)

I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.
Consumer complaint received 2023-06-17
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. (OH)

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.

The letters are stated with items and issues.

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 2023-06-16
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. (PA)

I am writing to file a formal complaint against EQUIFAX XXXX XXXX XXXX, who has used my consumer profile without my consent or knowledge. They have engaged in defamation of character by providing incorrect and biased information to a third party company who used information supplied by EQUIFAX INXXXX XXXX XXXX, to deny me an extension of my own credit. As a consumer, this has severely harmed me and caused me to be unable to purchase essential consumer goods and services based on false, erroneous and biased information being supplied by them. EQUIFAX XXXX XXXX XXXX provided a credit score of : XXXX as well as other biased, erroneous information without my knowledge or consent. I applied for an extension of credit in good faith with the company : XXXX XXXX XXXX, XXXX ID # XXXX, and was denied. EQUIFAX XXXX XXXX XXXX and their practices has caused me serious harm and emotional distress as a consumer looking to obtain essential goods to provide for my family and well being.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (PA)

Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during XXXX XXXX  and could not accommodate pay by phone within 24 hours. Please remove negative remarks on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays had the wrong address, sent all billing status to XXXX XXXX XXXX XXXX XXXXXXXX pa  not XXXX XXXX XXXX XXXX XXXX pa XXXX. Also when I called in they did not even have my social security number on file fix all this please
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXX and XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX acct number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per XXXX report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX XXXX listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint XXXX XXXX and XXXX was they don't report XXXX the credit bureau that means i am a victim of fraud since this account i XXXX no longer being handled by XXXX XXXX XXXX. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-06-17
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. (WI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (MN)

I have disputed these item several times. I know without doubt that these companies do not have proper documentation saying these accounts are mine. But that is not the only reason for writing/complaining today. The account is being reported with Equifax on two different accounts. One as XXXX ... and the other as XXXX... The account numbers are the same. The amounts that they are reporting differ. And the opening dates don't match. With XXXX it is reported under three different accounts. XXXX  / XXXX  and XXXX  for another amount. Please help to remove these accounts. As they are not mine and reporting inaccurate information.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX My brother was killed ( XXXX ) in XXXX last year on XXXX XXXX. 81 days later my father passed away from a XXXX XXXX/XXXX  of losing my XXXX XXXX XXXX XXXX XXXX age XXXX years old. The Army is currently XXXX me under lone survivor to take care of my family deaths. <P/> Nation Star Mortgage Company is the loan # XXXX. They are not recognizing that I am a service member of the XXXX XXXX. I have been denied loan modification and they are proceeding in foreclosure. I wish to stay in the home, I have no where to go. Nation Star mortgage has had home inspector come to resident and I have been harassed numerous occasion. Their home inspectors have pulled in my driveway and yelled pay your " XXXX Mortgage ''. They do n't know the circumstances and the home inspector when I came out into the driveway he reached in his car and got a bat. I told him to leave and called police. Their home inspectors keep pulling in the driveway taking pictures and speeding off. I followed numerous inspectors and told them to stop stalking my house and sitting in front taking pictures for 10-mins. My wife has recently purchased a firearm because of the harassment. Nation Star said their house inspectors, the gentlemen who approached my wife on the property said he was with the bank. I suffer from XXXX I served XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX and XXXX I have contacted MD sheriff XXXX and he said they are n't allowed to do all this. Sheriff XXXX said their breaking the law for even putting the house in foreclosure status. If they come on your property again we will arrest them for trespassing and advised me not to discharge my firearm unless they try to come in the property. I currently had friend a XXXX Police officer XXXX XXXX XXXX staying with me at the residence to make sure nothing happens anymore. <P/><P/> Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX