davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WESTERN MASS CREDIT CORP. (CT)

on XX/XX/XXXX a debt collector called me and was trying to collect on a debt from 4 years ago. The name was western mass credit. The guys name is XXXX. <P/>He states that I owe over 3700 dollars for a debt. I say well i never received a letter from you or anything. He said he just pulled my credit. I said ok .... He went on to state that I had the ability to pay for the debt because he could see a credit card that I recently had opened. He also went on to continue manipulating me and stating that he could give me a deal if i pay today. he said i see you were affiliated with the military  ( because of my financial institution ) and i am going to give you half off.. well he emailed me a copy of the debt!!! he manipulated me into paying the amount based off the credit card that I have and he also never said this is an attempt to collect a debt!! <P/>he abused me over the telephone and manipulated my credit to me in order to receive payment.
Consumer complaint received 2023-04-03
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. (PA)

This process is my attempt to follow up on my complaint to make sure that these items are removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are erroneously reported in my credit report, please remove or block them.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

On Sunday XX/XX/XXXX, XXXX- I had paid my Best Buy/Citibank credit card in full. After that decided to file for a credit increase online on their site due to my frequent use of the card. The following webpage ask for the standard information and I'd clicked submit. 

Shortly after I received a notification stating I had an hard inquiry from XXXX. Shortly after I immediately contacted Best Buy credit services customer service and explained the situation. I'd told them that if I was informed that there was going to be a hard inquiry, I would had passed on going forward on filing for the credit increase. 

They was unfortunately of no help and stated it was policy. The following business day I contacted XXXX  and was told to the get a letter of the deletion from the company who pull the hard inquiry. 

Once again Best Buy/Citibank was of no help at all. A XXXX  representative told me the only way going forward was to file an FTC complaint and file a police report.
Consumer complaint received 2023-03-22
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy. 
In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harbor Front Acquisitions LLC (Closed) (ME)

A man first called my employer 's office, purporting to be from a law firm, Harbor Firm Acquisitions. The office manager refused to allow him to speak to me, told him I was not allowed to receive personal calls at work, and then hung up on him. The man then proceeded to call back XXXX times, and to be so harassing, the office manager had to instruct all other personnel in the office not to answer the telephone until he finally ceased calling. 

A week later, a woman from Harbor Firm Acquisitions called my personal cellphone from a telephone line that spoofed the telephone number of the local county courthouse, and left a message on my cellphone stating that she was trying to arrange delivery of legal documents in reference to a debt. Rather than giving me a local telephone number to call for information, she then gave me the number of the lawyer 's office - Harbor Firm Acquisitions. I called the court house, rather than the lawyer 's office, and was told that no such person existed at that number, and that no documents were waiting for delivery to me. I have since received no physical paperwork from their office. 

This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam.
Consumer complaint received 2024-03-02
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. (OH)

I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (VA)

- American express card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. 
- No late fees were deducted for the first 3 months of collection XX/XX/XXXX Nor this company discuss doing that, for me. 
- I agreed to pay {$50.00} a month until it was paid. 
- They used a sales pitch to get an American Express Optima card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. 
- They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. 
- On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to American Express, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XXXX last year ( XXXX ). I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for Amex directly. 
XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. 
- Bottom line is they are unprofessional and the above statements reflect that.
Consumer complaint received 2023-06-01
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. (TN)

I was in a marriage with a XXXX for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my fingerhut account in full and through nerd wallet was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. XXXX ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aspen National Financial, Inc. (NV)

I contacted Aspen National Collection about a collection account that appeared on my credit report on XX/XX/2017. I never validated the account but the agent was insistent on saying it was my account. He could n't give me the account number. The amount on my credit report ( he said ) was different than what he had, but he would n't give me that amount. This is for maintenance fees.
Consumer complaint received 2023-03-02
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. (TX)

according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX XXXX a-d Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-03-02
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. (TX)

I am in the process of purchasing a new home and applied for a pre-authorization letter through my local credit union. The next day beginning at XXXX I began being bombarded with calls from lenders offering their products. When I asked how they got my number they said they had received it from XXXX and Transunion. I have received 10 calls and 1 text in the last 3 hours!!!! 

In order for me to have a loan I have to have a credit report run and XXXX, XXXX and Transunion are the bureaus who can run this. It is INCREDIBLY unethical that institutions who have access to my personal information and who I have no choice but to use for credit reporting can turn around and sell my information for their own financial gain to other brokers. 

As the CFPB I would suspect that you would see this as a gross violation of CONSUMERS and you should therefore be PROTECTING us from these types of issues occurring. I hope you will take this matter seriously and put process in place to fulfil your civil role.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRUEBILL, INC (FL)

XXXX XXXX has a service whereby they negotiate better rates from paid services. They indicated that they saved me {XXXX XXXX XXXX XXXX XXXX XXXX  That bill only remained low for XXXX XXXX and now its higher than it was prior to their negotiation. It is now {$140.00} a month and before they started their negotiations it was {$130.00} per month. They are charging me XXXX for what they say they saved me when they have not saved me anything. Ive sent numerous emails because theres no telephone number to call and I have received no response. I dont want them to negotiate anything else for me and I would like to get a refund or at least have them stop billing me for something they never saved me.
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX a message was left on my phone by a XXXX XXXX stating that I was being sued and to contact XXXX with account number XXXX. I contacted this number on XX/XX/XXXX and spoked to XXXX XXXX from XXXX XXXX XXXX and was told that I was being sued {$1400.00} for a credit card owed to Fred Meyers store and she was looking at my chapter XXXX bankruptcy that I had filed in XXXX and this debt was not listed on my bankruptcy. I told her yes it was and that I had a copy of Chapter XXXX bankruptcy from XXXX XXXX XXXX case no. XXXX. I faxed a copy to her at XXXX. I then called her and confirmed that she received the fax. This is the second time I have been contacted by debt collectors in regards to this debt that was discharged by the bankruptcy courts 22 years ago. The last last debt collector was XXXX XXXX XXXX who contacted me by mail on XXXX to try to collect this same debt. I sent them a copy of my bankruptcy papers by certified mail. I feel that this discharged debt is being illegally sold to debt collectors in an effort to harass me and collect on a debt I no longer owe.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently reviewed my consumer credit reports and noticed that I have two accounts with XXXX that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late.

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.
Consumer complaint received 2016-07-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA (FL)

We are selling our home, and received an offer on XX/XX/2016 from a buyer, which was pre-approved by Mortgage Lenders of America and we accepted. The original close date was XX/XX/2016, and a week into the contract the buyer 's agent contacted our agent asking if we could close early on XX/XX/2016, that the buyers financing was already in underwriting. Again we accepted and after we had already vacated the home, on XX/XX/2016 less than 48 hours before we were scheduled to close the finance company asked for an extension on closing to the original date. I talked to the lending company with my realtor, who both confirmed to me that the buyer would be getting approved, that they only needed one more form completed before they could do so. They also were adamant that it was not the buyers fault for the delay. We checked back daily and were told the same thing. Then on XX/XX/2016 we received the denial of financing and cancellation from the buyer. The reason we were given was the buyer 's credit was poor. After further digging our realtor found out that the lender did not run the buyer 's credit until after we had already accepted the offer and moved out. XXXX XXXX, our Real Estate company has told us that the buyer should have never been given a pre-approval letter in the first place. We are now moved out of our house, and unable to close. We have also put all of our belongings in storage, and are staying with in-laws, and still paying for a home we no longer occupy. The home we were planning on moving into, and have put money down on, and also are under contract on is at risk of being defaulted on as we no longer have a buyer for our home. This has put me and my family in a horrible position both XXXX and financially.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

AMSHER COLLECTION SERVICES XXXX : {$240.00} ORIGINAL COLLECTOR : XXXX XXXX DATE OPENED : XX/XX/XXXX  My credit has been damaged due to a fraud account with the use of my name and personal information with a XXXX point drop. I am very upset. My name and social security number has been compromised through fraudulent activity with XXXX I called XXXX and spoke to XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) we both discovered that the account was fraudulent and not mines. She was made aware of my business account with XXXX in good standing. She took further action to call the 3rd party collection company Amsher Collection Services and let them know of the account not being mines and the fraudulent activity with XXXX She spoke to a representative and they made the decision to open a fraud claim because XXXX told her the account wasn't mines. The representative with Amsher Collection Services tried to refer us to the fraud department but was unable to get in touch with a representative in that department. She proceeded further to give XXXX the attorneys number who handles claims for fraud. When we called they stated they couldn't speak to the XXXX rep so XXXX hung up and I proceeded to tell them what happened and gave them my name and amount of the bill on my credit report stated above in the amount of {$240.00}. She stated there wasn't an account in my name nor in their database to open the case. 

Furthermore, I wasn't contacted or notified about this account via mail from XXXX or Amsher Collections Services before being placed on my credit. Nor do I have an account number to reference this account with these stated companies. My rights and identity have been compromised and violated without my permission. I would like this account to be removed from the 3 credit bureaus with an immediate recourse of action.
Consumer complaint received 2023-05-31
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. (ID)

I reviewed my consumer report and noticed that I had two late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I've asked them several times to validate this information. 

I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-05-31
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. (TX)

n accordance with the Fair Credit Reporting act XXXX ACCT # 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 a account without my written instructions
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent a certified letter to XXXX and Equifax requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from XXXX  on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. XX/XX/XXXX I received a response from Equifax saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to Equifax on XX/XX/XXXX dispute there being a freeze request.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.