davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received XXXX letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Consumer complaint received 2017-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bonneville Billing and Collections (OR)

On  XXXX   XXXX ,   XXXX   in the evening, a collector came to my parent 's address in  XXXX  Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.
Consumer complaint received 2023-06-01
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)

I am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. XXXX and XXXX credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$510.00}.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

NCA
Last reported XXXX XXXX XXXX
XXXXXXXX
Open balance
XXXX XXXX XXXX
Original creditor XXXX  Opened
Account status
Type
Responsibility
Remarks
Original creditor name
XXXX XXXX XXXX (XXXX XXXX)
Consumer complaint received 2023-06-01
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Account Number 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2021-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc (OH)

i already filed two complaints against stuart-lippman and associates one complaint is still pending as stuart-lippman and associates viloated the fair debt collection practice act this is a new complaint against stuart-lippman and associates i was involvled in a auto accident on XX/XX/XXXX i was in contact with XXXX XXXX i told XXXX XXXX that im disputing the car accident and the amount of XXXX because i was not at fault in the car accident XXXX XXXX said she was go submit document to have my license suspended as she did on XX/XX/XXXX she and this company stuart-lippman and associates violated the fair debt collection practice act by submitting documents to the dmv to have my license suspended as i sent stuart-lippman and associates documents stating that they can not submit documents to the dmv to have someone license as a person said that they could do that i request documents that say that the new complaint now is that stuart-lippman and assocates sent documents to the dmv to have my sister license suspended and my sister was not even invovled in the auto accident period my sister received documents from the dmv of suspension of her license dated XX/XX/XXXX and demand a security deposit of XXXX her suspension starts on XX/XX/XXXX the problem here is stuart-lippman and associates should have nver submitted documents to the dmv telling them to suspend someone license when myu sister was not even involved in the accident nor driving the car period now the dmv want my sister to make a security deposit of XXXX when she was not even involved in the accident at all now they want my sister to pay up money for a accident she was not even involved in the dvm suspended her license for a accident she was not involved in and again stuart-lippman and associate violated the fair debt collection practice act by subitting documnet to have someone licsence suspended when stuart-lippman have no power or authority to do so as my sister was not even apart or invovled off the accident on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Over the course of the loan which has been o ver ten years  customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a   XXXX   XXXX  in  XXXX   XXXX   for over  tw  enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a  coworker.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MD)

Finished paying my car insurance for the year but they charged me {$260.00} for a renewal fee and I decided to not renew but I completed my payment and transferred to a new insurance company that same month Then they sold the debt to a third party company and is harassing me
Consumer complaint received 2023-06-01
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 Account # XXXX ( XXXXXXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reported this problem back in XXXX over 60 days to Transunion and XXXX  and still have not received a response back yet. The problem I am having is on my Transunion and XXXX  credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XXXX  report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XXXX is the correct account that shows accurate information. I would like to update Transunion and XXXX  to match my XXXX  payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match XXXX.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

I found out in a credit report someone opene d a CBNA  credit card under my name and social security, and using it. It was opened back in  2012,  and since then accumulated amount of {$5700.00}.   I have not received any statements, balances, calls or warnings form anywhere, so it must be that somebody is involved in identity theft.   I have not heard of the existence of this card or debt until I applied for mortgage, and the mortgage agent notified me about this suspicious card and activity.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-14
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00} : US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Check Fraud Services (NY)

this company keeps calling saying I have a returned check from 20yrs ago and threatning court action but they will not send anything to me in the mail proving it is my debt, I have requested more than 3 times that they stop calling and mail something to me so I can see the prof ... ..they are also calling my mothers phone, my fathers phone and my house and cell phone, I havnt spoken to my father in over 17yrs and what could my mother possibly have to do with it? 
other numbers called as follows ... ... 
XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

deposited business check from a client Wed  XXXX   XXXX ,   XXXX   to our business checking account.  Deposit  slip said funds available Thur  XXXX   XXXX ,   XXXX  .   Friday  XXXX   XXXX , amount not cleared in our account, and they drew money from our business savings which did not cover the amount of insufficient funds, we had a negative balance.   Went to the bank, they said our bank  ( Wells Fargo )  had a hold on the check because there were not sufficient funds in the account it was drawn on  (   XXXX   ) . I called client, she called her bank, her bank mgr said the funds cleared Wed  XXXX   XXXX . Funds were out of that account. She also has an overdraft on that account which would have covered the amount.   We went bac k to Wells Fargo, an d they can only insist that the funds are not available, yet they were taken out of the  XXXX  account 2 days ago.   So where is this money?
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

The company sold a debt and the debt collector has been contacting me constantly saying I owe them. I have not provided them with my information neither do they have my Wet Signature according the FCRA consumer law The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/, was designed to eliminate abusive, deceptive, and unfair debt collection practices.
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. (FL)

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

XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, 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, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.
Consumer complaint received 2021-01-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (NC)

PHH mortgage mailed an escrow statement on XXXX, XXXX according to their website. We received the escrow statement on XX/XX/XXXX. The statement was indicating that the escrow account had a shortage of {$4100.00} dollars. The document went farther to provide two options : 1. Increased my monthly payment by the next 48 months by almost {$200.00}. 
2. Pay a lump sum and my payment only goes up by {$100.00}. 

{$410.00} was coming out of my monthly payment XXXX mortgage and I do not understand the shortage because 12 months of XXXX does not equal XXXX dollars. 

1. I should not have to pay anything except for my normal monthly payment because the escrow should not be short. 

2. If I am forced to pay the balance ; then I need an option three where I pay the balance in full within a 3-5 month period instead of a few weeks.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX is a victim of identity theft and fraud. As a result, this is the third time that I am writing Transunion to Remove these FALSE and INACCURATE ACCOUNTS ON MY CREDIT FILE. For the third time THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. If this continues I will pursue legal action.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do not belong to me.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CO)

On XX/XX/XXXX I viewed my credit report on XXXX XXXX and was surprised to see an a delinquency reported by Amsher debt collection. The delinquency said it was from XXXX XXXX. I did not receive a phone call nor a letter regarding this debt. On doing some quick searching I discovered they are required to notify me prior to posting a debt to my credit report. 

I called the agency on XX/XX/XXXX to dispute the delinquency and pay whatever was owed in full. I paid and got a receipt, however, when I asked for proof they had notified me they told me they mailed a letter but it was to the incorrect address. The debt originated from a phone bill at XXXX ( which was also never communicated to me because I switched to XXXX ). XXXX had my current address as they had sent bills there when I was a customer. However, when they reported this debt they used the wrong address so I was never notified. 

I explained this to the agency and they claim there is nothing they can do to remove the report to the credit bureaus even though they are aware I was not notified prior.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.