davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
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. (OR)

disputed account with transunion but it was verified AS Accurate so when i tried to dispute again only with proper documents they would not let me .. they also would not let me place a fraud alert on my account as i have been a victim of identity theft
Consumer complaint received 2023-06-29
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. (TX)

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : Untitled Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon receiving debt collection efforts from Hayt, Hayt & Landau PL, I have specifically requested that they provide me with a copy of the agreement authorizing Hayt, Hayt & Landau, PL to collect debt on the behalf of XXXX XXXX and a copy of the original contract I signed with XXXX XXXX bearing my signature. I sent Hayt, Hayt & Landau, PL 3 requests for this information on XX/XX/19, XXXXand XX/XX/19. Each of their responses purposefully ignored those requests and only sent a slew of bills from the original creditor to myself. THIS DOES NOT SUFFICE AS VERIFICATION OF DEBT. Attached, you will see all 3 requests Ive made for proper verification and their same response which is the slew of bills from XXXX XXXX. I believe they are violating the law.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (CA)

I have disputed many times with Experian & directly with each account since XXXXXXXX XXXX XXXX. I am invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. I don't believe the credit reporting agency never contacted the FTC to verify the underlying facts alleged in my FTC identity theft affidavit. I am requesting that said ( CREDIT BUREAU ), disclose the source of their initial verified response, or will be forced to either delete all contested items from the credit report they maintain or compensate me for all credit denials attributable to the contested items in question, for ( Willful non-compliance ) and ( Negligent non-compliance ) with the FCRA. I have proof of my sending a letter of validation to each company by certified mail requesting a signature as validation, which they failed to provide, instead they each sent an invoice with no signature. An FTC Report was also filed, XXXX XXXX XXXX complaints and Consumer Financial Protection Bureau complaints were submitted as well. ( Please see screen shots ).
Consumer complaint received 2023-02-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I woke up Thursday, XX/XX/2021, to an email saying I had something negatively impacting my credit score. I open XXXX  to see I have a {$660.00} collection from Southwest Credit Systems that was opened XX/XX/2021. 
I literally have not even spent that much money in over a year nor do I have any accounts open on anything. I live at home with my parents why I do not have a single bill to pay. 
I never received a letter in the mail, I never received a phone call, and I never received any type of notification if this collection was even real. 
I decided to dispute this over XXXX recommended system and nothing has been resolved yet.
Consumer complaint received 2021-06-24
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: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I paid {$200.00} towards the debt by mailing a check XX/XX/2021. The check has yet to be cashed. Now they filed and won a garnishment hearing without my knowledge and against fdcpa protocol. 
They demanded my income, when this is only a payback. Threatened my job saying garnishment can cause my employer to fire me. They stated by law I have to do as they command. 
This has caused stress now that Im being bullied to the point I dont XXXX XXXX or XXXX XXXX. This is so stressful that Im trying to pay them. Yet they want this to go to court to get my information. They are representing XXXXXXXX XXXX XXXX and are a lawyer. Weltman, Weinberg and Reis Only one communication from them. An address to mail payments. No online portal. No over phone. They are making it as difficult as they can and bullying me
Consumer complaint received 2021-06-25
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. (IL)

My name Is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I signed up for XXXX, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off my credit report.
Consumer complaint received 2021-06-24
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. (CA)

It shows there are 2 late payments in my XXXX XXXX XXXX account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call Experian to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My XXXX XXXX XXXX XXXX XXXX  was removed from my credit report. XXXX  told me it was because the lender ( XXXX XXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

UPDATED DISPUTE TO INCLUDE EVIDENCE I have attempted to dispute accounts with this company and they continue to respond with template responses that do not address the problem. I DO NOT RECOGNIZE THE ORIGINAL CREDITOR. Please send information about XXXX XXXX XXXX XXXX XXXX XXXX so I may dispute directly with them as well. 

Additionally, the State of Texas prohibits a third-party debt collector from engaging in debt collection unless the third-party debt collector has obtained a surety bond issued by a surety company authorized to do business in Texas as prescribed by Texas Finance Code 392.101. A copy of the bond MUST be filed with the secretary of state. 

The Texas Secretary of State has informed me that Account Resolution Services is NOT authorized to conduct debt collection in the State of Texas and therefore is in violation of state law ( see enclosed ). 

The company as an entity ( ARS ) is acting unlawfully with debt collection. The company name itself has been listed on the bond and not a DBA.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southwest Credit Systems, L.P. (LA)

This company has called my employer several times after repeatedly being told to cease and desist contact. They are calling about a debt and I know for a fact I owe no one money. I was threatened by my employer that I could lose my job ober this issue. They have called several times in one day and then repeatedly called 5 times after being told not to contact my place of employment. I want fees, fines and penalties from them for this. They are told on the XXXX of XXXX not to call and called again on the XXXX at my work. Then again on the XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

When we were shopping for a mortgage, Chase Manhattan offered to match the terms a competitor offered by issuing a refund in the amount of {$1400.00}. This was communicated by the Chase mortgage broker via email on XX/XX/2023. 

After we closed on our property on XX/XX/2023 we reached out to our broker to inquire about the refund and he said that it was being worked on. Since then we have had at least XXXX calls and have sent XXXX email messages to get the refund processed to no avail. 

We tried to escalate this via the Chase internal complaint portal on Chase.com in early XXXXXXXX XXXX XXXX but the refund hasn't been issued.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX  has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00} ).
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CT)

Jp Morgan/Chase Keeps calling me on in regards to my credit card. I do owe a balance and spoke with a gentleman already on XX/XX/23 XXXX XXXX - XXXX. I spoke with him letting him know the situation & that I can not make a payment until next month He called same day before that earlier in the day but went to voicemail. 


I then have a lady call me at XX/XX/23 first at around XXXX today & then called me again at XXXX. ID XXXX XXXX.. Tried to argue with me & said they didnt call in regards to this specific credit card since XXXX WHICH WAS A TOTAL LIE. I told her the same thing that I told the guy on the XX/XX/23 & she kept badgering me telling me well when are you going to make the payment? 

They are calling at least 2-3 times a day I believe is violating the conversation Frequency prong as well as the seven day rule!
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

My name is XXXX XXXX I purchased my vehicle in XXXX of last year. I had a car by American car center and realized my contract was different I stop paying the car note. Now my vehicle got repossessed by Westlake portfolio I want to call the credit bureau to get my credit removed of the account
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (UT)

I was XXXX by a XXXX stranger in a hotel near XXXX, Utah. I suffered a XXXX. I was forced to go to the hospital  by police. I did not want to go. When at the hospital, I told them I want to be released. After the hospital personnel resisted my request and my repeated request to be released, they would only do so if I signed a release. O signed a release document to be released at my own risk. I then walked home at about XXXX XXXX. in the morning. 

XXXX owned by XXXX attempted to collect a medical bill when I had told them all along it was a XXXX and I wanted to be released. I did not authorize the treatment and I did not commit the assault crime against me. 

Eventually XXXX gave the account to CBE, a debt collection company and I was sent a collection notice. I responded on writing with a letter containing my explaination for disputing the debt, informed them of my rights according to FCRA laws and stated for them to cease and desist. I also gave them documentation regarding the offender 's court case with DA and Judge for the case of assault. CBE Group then told me they are closing my file and sending it back to XXXX. That was approximately XX/XX/XXXX, because my letter was sent XX/XX/XXXX. 

Months and months later I received another letter attempting to collect the debt. I informed CBE with a letter that I had already disputed it and they had my letter with documentation about the court case for an assault by a stranger on me. I also informed them that they are violating FCRA laws by attempting to collect it again and contacting me to do so after I have told them in writing to cease and desist as per FCRA regulations. I then called CBE and explained again. I was promised by the CBE representative that they would remove the collection and close my file. They said they would take care of it. 

On XX/XX/XXXX, I received a credit alert email and when I looked at my XXXX credit report, CBE had made an entry that my account was in collections and my score dropped significantly. I have filed a dispute with the credit agency and reporting the error. 

Again, it is not my debt for reasons already explained. I can send copies of the letter I sent to CBE Group along with documentation showing the perpetrator 's court case, sentencing, DA information, Judge, etc. 

I am reporting this collection matter now as an FCRA violation and as fraudulent.
Consumer complaint received 2021-06-25
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. (MO)

Hello. I'm XXXX XXXX! Last 4 of SSN XXXX EQUIFAX HAS NOT HELP ME WITH REMOVING IDENTITY FRAUDULENT INQUIRES ON MY CREDIT REPORT..IVE.ALSO SENT 2 PREVIOUS DISPUTE. LETTERS THIS PAST YEAR. THESE LIST.OF FRAUDULENT. INQUIRES. MUST BE REMOVED!!! I DO NOT.HAVE ANY OPEN.ACCOUNTS.WITH THESE LENDERS. EQUIFAX HAS BEEN IGNORING ME..LIST.BELOW XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TN)

I signed up for service in XX/XX/XXXX for a one-year program. There was no mention of any automatic renewals. When I saw this charge again on my XX/XX/XXXX statement for yet one more year of service, I called them to cancel. They told me there were no cancellations and that I would have had to contact them in writing XXXX days before my scheduled renewal date to not be re-charged. I opened a dispute on my card, and XXXX XXXX XXXX XXXXXXXX sent them a bad photocopy of their terms and conditions stating " no refunds ''. My claim with XXXX was denied. I then opened a fraud claim, since I did not in fact authorize that merchant to charge my card without my consent in XXXX. The fraud case was denied since it was a merchant I had already authorized in XXXX. My argument falls on deaf ears with my credit card company, and they are choosing to side with the service provider instead of their cardholder. I asked to see anything in writing that I signed or consented to, or even a recording of my voice consenting to automatic renewals. If someone can produce my agreeing to this service, they would have a case. Instead they are just taking the word of a shady internet company and refusing to remove the {$500.00} charge, and the merchant has refused to cancel the service. It's been a nightmare and not good business to side with the merchant with no proof whatsoever that I consented to this charge. XXXX has been terrible about handling this, just pushing it from one case processor to the next, and not calling or mailing me anything to let me know how the case is going. I have not ever had the chance to speak directly with a case processor, and have only been able to leave messages through the agents on the phone to give to them. I would like to also shed light on the way they have handled my case. 

For a timeline of events, this dispute was denied by my credit card in XXXX. The case was reopened on XX/XX/XXXX after I called to get a status update only to find out it was denied one month prior, with no one properly informing me ( stated there were messages left on my machine, nothing mailed to me in writing ). After reopening it in XXXX, I waited until XX/XX/XXXX to call again, only to find out that they could do nothing for me, that XXXX XXXX XXXX XXXXXXXX had every right to automatically renew me, and on that day I was connected to the fraud department who assured me they would take care of this. They sent me a new card in the mail, but never removed the fraudulent charge. I called XXXX today ( XX/XX/XXXX ) to learn of this denial, and was treated very arrogantly and condescendingly by the supervisor on the phone. 

I did not authorize this charge or any auto-renewal, and consider this to be fraudulent.