davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC (FL)

XX/XX/2020 - I received a message from Prime Recovery stating that I had a complaint being filed / pending against by their client. The debt collector specifically intended the message to seem like a " lawsuit '' was being filed and he had been hired by an attorney on behalf of this payday loan client. 

The message also stated that they wanted to allow me an opportunity to, '' provide a statement in my defense '' or that I should have my personal attorney call them back. 

The same message was left on 2 family member voicemails within the same hour.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Experian is reporting the above account as 30-days late in XX/XX/2023 after previously reporting the account as XXXX for XX/XX/2023. I timely sent my payment to the bank, but they never credited the payment. I normally pay online, however, there was a problem with the banks system and the bank would not allow me online access to my account. The website problem has only recently been fixed. Regardless, I mailed the payment in time for the XX/XX/2023 payment. I informed the bank of all of this and expected them to report the account as current in XX/XX/2023.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (TX)

On XX/XX/XXXX I was taken to the XXXX XXXX room. We were told it was a county hospital and where I should go for financial reason since I was UNEMPLOYED with NO MEDICAL INSURANCE and I was on pandemic unemployment. I suspected that I have XXXX / XXXX virus as I was very ill and having difficulty breathing. The Emergency room doctor here ran extremely expensive test, most of which were unnecessary, like a XXXX test even though I informed him that I have had NO XXXX since I was XXXX years old. He ran illegal XXXX XXXX  all of which were negative. They even had a XXXX  office read test and they too sent me a separate bill for this visit. There is also yet another, 3rd bill coming to me from XXXX XXXX XXXX group for this same visit. Thousands of dollars I have been charged just to go to the emergency room to make sure I did not have COVID. All I needed was to have XXXX ruled out, simple. I was there not even an hour. 
I called and called their billing department, never getting an answer for MONTHS, I left voice mail messages begging them to call me about these bills. I finally had one person call me and instruct me to send all my financials and income tax returns for the year prior, XXXX which was when I had a job. So they based the hardship assistance I was pleading with them to give me for these bills on a year of income that was long GONE and not the year of XXXX I was currently in and unemployed in for most of the year. 
I even went online a couple of months ago and paid a {$20.00} payment to the XXXX XXXX payment portal just to show I was trying to come up with something until they could grant me hardship assistance. Now they have turned me over to a collection agency, with out any notice of my status of hardship assistance determination. I have this showing up on my credit bureaus which is crippling to me as I start to try to rebuild my life after a year of very little employment. I can not rent an apartment or get a car loan with this collection on my bureaus, and it is NOT ethical that they have placed this account for collections anyway after I have been trying to reach them AND made a payment to them in the midst of this until we figured out what to do with financial aid and hardship determination based on REAL numbers and income, not my XXXX year of income before the PANDEMIC. I am, and always was, more than willing to make payments to this hospital if they would call me back and please speak with me to set up a payment plan and in the meantime, take this account out of collection.
Consumer complaint received 2023-09-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (NJ)

This company came from nowhere impersonating in the subject of the email : XXXX XXXX XXXX XXXX. Which is a different company. 
Trying to collect something I don't owe in behalf of XXXX without providing any evidence of what's owed, and no evidence, that they can ask for money. 

I believe using false information in communication should be punishable by law. 

Additionally, no information how to ask for evidence of accuracy of their information was provided.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Report Act 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 an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.
Consumer complaint received 2023-07-03
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)

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 2023-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NC)

I had XXXX ( aka Charter ) internet/cable service for 9 days in late XXXX XX/XX/2022 and they could never get my cable to work, so I cancelled it. XXXX has a 30 day money back guarantee of satisfaction, so I owe no money for the service itself. I returned several pieces of equipment and have the receipts to prove it. 

In XX/XX/2022, I received a letter from Amsher Collection Services on behalf of XXXX in the amount of {$110.00}. I did not realize I still had a XXXX modem until I received this letter, because the XXXX technician had moved it to a room I never use without my knowing. Upon learning this, I promptly returned the modem on XX/XX/2022 ( receipt attached ). On XX/XX/2022, I sent Amsher a detailed letter with multiple items of evidence attached proving I owed no money to XXXX. I have never received any additional correspondence in any form from Amsher or XXXX, so I naively assumed this meant they had realized their error and it had been taken care of. 

About 3 weeks ago, I noticed my credit score had gone down and was trying to figure out why, as I should have nothing negative on my credit report. Imagine my surprise when Amsher Debt Collection shows up as an unpaid debt of about {$53.00}! This is the only negative on my credit report and it brought down my score quite a bit. I sent a message via a " Dispute your debt '' page on the Amsher site ( https : //www.amsherconsumer.com/im-disputing-this-debt ) and attached the XX/XX/2022 letter and most of the documentation I had sent them back in XX/XX/2022. I have received no response, not even an email confirmation of my submission. A few of the original receipts/proof I had sent with my XX/XX/2022 have since been lost, but I was able to find most of them. The most important items are the receipts showing I returned the equipment- Attachments C, D, E, H and K. I could not find the original ( and only ) letter Amsher sent me in XX/XX/2022, but I am pretty sure they are saying the {$53.00} is primarily for the modem which was not returned until later ( Attachment K shows XXXX got the modem back ).
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accelerated Financial Solutions, LLC (MD)

Accelerated Financial Solutions, contacted a XXXX year old family member, & told him that his cell phone number was given to them by me as my main contact phone number. XXXX was the contact person. She also told him that she is trying to reach me. This happened on XX/XX/18 at XXXX. I called her back immediately, and she told me that I owed over {$900.00} to a company I've never heard of. I told her that this is a scam & I am going to report you to the FTC, & to my states attorney general office. I then got a call from XXXX & another lady.
Consumer complaint received 2020-03-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Management Recovery Corp. (NMRC) (ID)

XX/XX/2020 XXXX XXXX contacted my family through a voice mail stating that someone was going to locate me and present me with a claim and I had been notified. I never received any voicemail from anyone I called the phone my family member gave me and was directed to XXXX XXXX. 
They asked if a " locator '' had found me yet and I said no, she said that is good news I can still help. If they had found me they could not help me. 
They proceeded to tell me all this information they have about me and that I needed to make an immediate payment to stop the locator. 
I was terrified so I paid {$180.00}. and set up a payment arrangement without seeing any documents. The woman XXXX XXXX at XXXX XXXX told me I could only see documents IF the locator had given them to me. 

I received a payment arrangement letter from a company called XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ... I XXXX  this address and no such place existed at this location. I did call a XXXX XXXX that showed it was at the address and the man I spoke to said his XXXX  XXXX is at that address and he remembers that company having a mailbox 2 to 3 yrs ago but has not seen anyone since. 

I intend to call and cancel this payment arrangement and ask for my money back Phone numbers I have for this company XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (NM)

Around XX/XX/XXXX, I realized that Fay Servicing had charged me {$8000.00} in " forced '' insurance for my multifamily property at XXXX XXXX XXXX XXXX, XXXX NM XXXX. The charge came on my XXXX bill- but I had missed it. ( For the record, that is XXXX what my insurer is charging. ) I have had insurance in place since I purchased the property in XX/XX/XXXX. In fact, around XX/XX/XXXX, Fay paid the {$3700.00} annual insurance premium via escrow. And again around XX/XX/XXXX, Fay paid the {$3700.00} annual premium via escrow. So they are paying my insurance bill, but also telling me I don't have insurance! 

This is actually the second time that Fay has done this to me- on this property. In each case, it takes me dozens of calls, many hours waiting on the phone, email of documents etc. I speak to someone different every time. Nothing ever seems to happen. They promise they will get back to me but never do. They never, ever attempt to reach out to my insurance company to clear things up. 

The issue seems to me that my property goes under the address XXXX XXXX XXXX, but there are 8 units, all with different addresses ( XXXX XXXX XXXX etc. ) My insurance coverage is for all 8 units - it's very clear if you read beyond the front page. But the people at Fay make no attempt to understand that, and charge me for forced insurance because I " don't have insurance '' for the other units! 

I have been pursuing this since XX/XX/XXXX. Have made numerous calls to Fay ( I have records of all of them ). I've sent them proof of insurance for the last 3 years. 

( If you haven't already, I encourage you to look at the XXXX XXXX for Fay Servicing. I've never seen anything like it. And it makes me so angry that I never 'chose ' them and I can't get rid of them. )
Consumer complaint received 2021-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My wife and I have been fighting {$9800.00} of fraudulent bank transfers from our XXXX XXXX Credit card which is backed by Bank of America for over a month now. It happened on XX/XX/XXXX and we caught the transfers 6 days later. That card had a {$0.00} balance on it for over 4 months and we only check it once in awhile to make sure there aren't any charges on it. The person who got into our account changed our spending alerts to a temporary email so we never received any alerts. There were 2 balance transfers, one to a XXXX XXXX XXXX for {$2000.00} and one to a XXXX for {$7000.00}. My wife and I do not own a XXXX card nor did we have an account set up with a XXXX XXXX XXXX that we have never heard of. After having the claim re-opened 3 times and no success we decided to make an appt with B of A with a relationship banker, she sent in our credit file that we pulled from XXXX showing that we did not have any open XXXX cards along with our police report. A few days later we get a letter stating that once again, claim is denied. B of A told us to get proof showing that we do not have accounts with XXXX and XXXX XXXX Bank, both of which we have called and were told that we need to have B of A claim a fraud alert before they would release any proof. I have just submitted a complaint to CFPB and later will be contacting a lawyer. PLEASE, stay away from B of A credit cards!
Consumer complaint received 2023-09-11
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: I.C. System, Inc. (CT)

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a I.C system account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.
Consumer complaint received 2023-09-11
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX You are in Direct Violation of The Fair Credit ReportingAct and have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Therefore XXXX XXXX account # XXXX Should not be reporting any late payments on my credit profile furthermore, I did not give you written consent. 

Remove these late payments and update them to ( PAANL ) paid as agreed never late immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

These accounts and inquiries are not mine they was made without my permission, consent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve
Consumer complaint received 2022-12-08
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/2022.