davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.
Consumer complaint received 2023-04-08
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)

The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 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.

Also 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

PLEASE STOP DENYING ME AN INVESTIGATION! 
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Transunion regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.
Consumer complaint received 2024-03-11
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. (MI)

Transunion 's reporting an account under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere and have shown proof of these inaccurate accounts, Transunion refuses to delete these accounts. This situation breaches the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Consumer complaint received 2022-05-25
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. (MI)

In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-05-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call, I give the VERY SAME information I in-put on the computer. I believe I am being denied my legal right to receive my credit report on-line after submitting the proper information required. I am very unhappy with Equifax.
Consumer complaint received 2022-05-25
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. (MI)

In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

I am a long standing holder of this credit card ( since XXXX ) and have always been in good standing ... .never a late payment. On XX/XX/XXXX I paid off my up to date balance in full. In XXXX the company charged interest on my account which is not possible since the account had no balance. Since I was not aware they would violate our agreement this caused me to generate a 30-day late on my credit reports, a considerable drop in credit score and they reduced my credit limit from {$4900.00} to {$300.00}. I contacted them and they removed all of the late fees generated but they have refused to repair my credit and to reinstate my previous full credit limit. I am astounded at their lack of acknowledgement of the trauma and suffering they have put a loyal long-term customer through. I recently had a battle with XXXX that I am so thankful to have won and am working to get out of debt. I finally was able to pay off this card and it has caused me so much trouble. I deeply appreciate the CFPB and if others have had this happen I am happy to be a part of a class action suit.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. I was referred to account recovery dept without receiving any notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Ive been getting repeated calls and voicemails from this company that do not appear to be for me. I blocked the number but still get voicemails asking for someone else. Im not going to answer or try to speak to these people because it seems like some sort of scam
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TN)

XXXX**DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding your account # XXXX. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and XXXXVALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including threatening calls must cease, moreover credit report deletion. Sincerely, XXXX XXXX
Consumer complaint received 2019-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello I need your help on a collection accounts that is showing on my credit report. 
By law I read the collection agency couldnt charge you interest after they both the debt for a penni. 
Another note, why this collectors all alleged that I owe them money, I had never made any business with these company I did not gave them permission to have access to my personalL information. I dont even know who this peoples are. Anybody clido mail a letter that they owes money to XX. Company. 
But how they proof that. I have no business these companies.. 
If they are adding interest on this accounts why I never received a letter or statement advising me about new charges. And they failed to validate this account they didn't even want to tell me if midland funding and XXXX XXXX XXXX XXXX XXXX Attach are the screenshots.
Consumer complaint received 2023-04-09
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. (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX  XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (MI)

I was sent money to my cash app account which was my old account from my daughter and i was not able to retrieve that cash app account so i call cash app to help me retrieve the account and get access to the money, the person from cash app was helping me and needed information from me to get access and verify my identity. He also stated he needed me to add this card to my account so the money could be transferred to my new cash app account. Which i did and we were disconnected and he called me back on a different number then the number i used to contact cash app, his number and name came across my ID, it was a chase account which he indicated that the money will go to this account then to your account and continued to reassure me that it would. He stated he would call me back which he did not and when I tried calling the number it was disconnected and the money on my cash app indicated that it went to the chase account which is not my account. I have reached out to cash app and they are doing an investigation. how do i get my money back?
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates XXXX XXXX XXXX XXXX, TN XXXX I received a debt collection letter from the above company on XX/XX/2022 about a medical debt my insurance company had already paid. I disputed the debt in writing on XX/XX/2022 and sent the letter via certified mail. 

I never received anything back from the above company but they put a debt collection on my credit reports dated XX/XX/2022. 

On XX/XX/2022 I received another debt collection letter from the above company that referenced a different named creditor but had the exact same amounts of debt and account numbers. I disputed the debt in writing on XX/XX/2022 and sent the letter via certified mail. 

I never received anything back from the above company but they put a debt collection on my credit reports dated XX/XX/2022.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Equifax refused to update my contact information. I have requested several times by phone, mail, and fax to update my contact information. 
XXXX XXXX does not have physical locations to personally ID people to transfer service from one home to another.
Consumer complaint received 2022-05-25
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the " convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay, since I may have to pay in several transactions, incurring XXXX per transaction to pay my loan. ( +interest )
Consumer complaint received 2022-09-27
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. (VA)

This is in violation of 15 U.S. Code 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 U.S. Code 1692 a which states I have a right to privacy.

There are many accounts which were paid for deletion and still remain on my credit report. The items are as follows : XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX XXXX -- Account number XXXX Closed and paid XXXX XXXX XXXX XXXX -- Account number XXXX Closed and paid I have submitted documentation to the credit bureau multiple times and they have yet to open the dispute and delete the accounts from my report which is causing extreme hardship ; negatively impacting my life.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (GA)

Amsher Collection Servic at XXXX XXXX XXXX XXXX, XXXX AL XXXX has been sending me collection notices in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.