davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} 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 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/XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

My daughter was transported from one hospital to the other by a helicopter.l provided by XXXX XXXX XXXX. The amont billed was fully paid by my insurance company. All of a sudden, they started sendind me and also harrasing me with phone calls thst they needed more money. I notified my insurance and was told that the account was fully psid and thst i owe them no money at all. Payment was made XX/XX/15 by XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2019-12-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Service Residential, Nevada, LLC (NV)

I was in Chapter XXXX and I received discharge of all debts on XX/XX/2014 including the homeowner association fees, the amount of about {$9000.00} and after the discharge the collection company continued adding interest and penalty and according to their last demand over {$23000.00}. I went to collection company provided them with evidence of the discharge of the debts and provided them with the bankruptcy court order. Also, talked to their attorney and provided him with same information. I gave them copy of the discharge order. 
I advised them their action is in violation of " Fair Debt Collection Practices Act '' by attempting to collect a debt that has been discharged under the bankruptcy laws of the United States. Also, in violation of 15 U.S.C. 1692 and all applicable sections of Nevada Revised Statutes Chapters 116 and 649. 
The Collection company initiated a foreclosure proceeding on my house including a recorded " Notice of Foreclosure Sale '' with the XXXX County Recorder
Consumer complaint received 2019-09-12
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: Experian Information Solutions Inc. (NV)

On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (TN)

n Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  # XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Google Compare Credit Cards Inc. (TX)

I have an email acccount with GMail of Google Inc. It needs to be paid for at $ XXXX/month. I received a bill now that says that if I don't resume payments within a few days, that the email account will cease to function. In that account, I have numerous folders with valuable content in them. So, in effect the email from Google constitutes a type of threat or insinuated threat that I need to pay immediately or else have some of my property deprived from me. I am not able to access those credit cards to my name that have the money to be able to pay Google, because I would have to order them online and then wait 10 days for them to arrive in the mail. So, it almost seems as if the timing of the message from Google someone knew that I am having these financial problems and is timing the " threat '' based on what the computer says is my ability to pay right now.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (MD)

attempted to get a modification agreement done with the mortgage servicer phh mortgage services but they prolonged the process way to long and would not provide a definitve answer. we filed a bankruptcy for protection however the owner of the loan XXXX XXXX has filed a motion for an automatic stay.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

n Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Credit Acceptance # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2019-09-12
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: EQUIFAX, INC. (NV)

On XX/XX/2019 a letter was sent to University of XXXX regarding the alleged debt that they saY I owe. I asked for validation of the date as described in my letter. University of XXXX is the ORIGINAL creditor that has reported the erroneous debt as a collection/charge so I would've assumed they could've validated the debt by providing me the original signed copy that I alleged signed and NOT a list of charges. 

The creditor sent a letter dated XX/XX/2019 and stated that the debt was valid and sent me a copy of account history ( a list of charges ). Also on the letter stated that the debt has been referred to an " outside collection agency ''. The problem with this is that it is double jeopardy. University of XXXX is reporting that I have a balance and a past due amount and not XXXX  account balance since they have sold the debt to an outside collection company. This information would be considered inaccurate reporting, since only ONE creditor can report the debt with a balance.
Consumer complaint received 2019-09-12
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. (TX)

inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX XXXX in 2017 amount {$2000.00}
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (GA)

On XX/XX/2019 I switched my cell phone service from XXXX ( account # XXXX invoice # XXXX ) to XXXX XXXX XXXX. I cancelled my XXXX service on that day. I received an additional bill on about XX/XX/2019. I called ( XXXX ) XXXX ) and discussed the bill with a XXXX representative on that day at XXXX XXXX.. He told me that this bill was for the entire next billing period and since I did not have the service for the entire month a final pro-rated bill would be sent. I waited for the final pro rated bill however on XX/XX/2019 at XXXX XXXX. a representative from MRS collections called and insisted that I pay the bill in full immediately. I told her that I would pay the entire {$77.00} through my bill-pay as I have for the past 20 years that I have been with XXXX. She said that I owed this full amount so I sent the payment for {$77.00} through my XXXX XXXX bill pay on that day ( XX/XX/2019 ). She said this would settle the matter and I would not be contacted again. On XX/XX/2019 my wife received a call on her cell phone ( XXXX ) XXXX from another collections agent at MRS Collections at XXXX XXXX. and once again I was told that this payment must be made right away. I informed this agent that this matter was settled on XX/XX/2019 and the full payment had been made. The MRS representative insisted that I must prove that this was settled. I asked that I not be contacted by phone by MRS Collections again. She agreed however on XX/XX/2019 at XXXX XXXX., once again I was contacted by phone by a representative of MSR Collections insisting that I owed this XXXX bill. I informed her that this bill was paid and I had requested not to be contacted twice before regarding this issue and she acknowledged that I had requested not to be contacted.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am writing because i was again harassed by the last bank representative who responded to my case. She called me today XXXX to state that her response will not change and her resolution is the same. She claimed that she listened to a tape recording where I asked to borrow {$20.00} therefore there was no predatory involved. This was an absolute lie because I was severely harassed because they tried to force me to borrow {$100.00}, then {$75.00}. I was told the only way I would receive the loan was to borrow far more than the {$10.00} that I requested. After being threatened and harassed, I agreed to {$20.00} under duress. The first response from Wells Fargo admitted that the loan representative did try to get me to borrow more money but he only did that to save me money on the closing cost. When I explained that we never discussed closing cost, the bank decided to refer my case to another representative. The bank representative response today bolsters the fact that Wells Fargo uses COOKIE CUTTER RESPONSES TO RESOLVE COMPLAINTS. They hardly ever admit wrong doing that is obvious to the customers being harmed. My recent complaint was for Wells Fargo 's lack of investigations and writing nonsensical excuses for their discrimination, harassment, and racist tactics. Since this bank representative told me that the bank is not going to change their responses, I requested an HONEST BANK REPRESENTATIVE who will truthfully investigate my case and not send me the same lies that they have been sending me for over one year.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have received correspondence from this company both by mail and by phone call. They claim too be collecting for XXXX XXXX for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.
Consumer complaint received 2022-01-03
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: AmerAssist A/R Solutions, Inc. (MD)

My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NV)

I was told by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I had been over paid when I was working for the XXXX XXXX as a civilian employee. I requested time cards and pay statements from XXXX on five separate occasions over a two year period and all they would send me was the pay periods that I was over paid, not enough data to determine if I was actually over paid. I noticed back in XXXX of 2019 that the treasury has started taking money out of my pay check. About two weeks after this started I received a phone call from Trans World collection company and they informed me that they were a third collecting a debt for the department of treasury. The representative told me that I owed the treasury a little over {$5800.00} and I told them the original debt {$4500.00} she explained the additional amount was late charges. I explained to her that I have never even received the requested information to determine if this was actually an over payment or a time card error. She told me if I settled the debt within two weeks I would only have to pay {$4600.00}. I told her that I had already had {$1200.00} Taken out of my check. She said she can not see the money that had already come out of my check so I would have to pay the full {$4600.00} and I would get the over payment back form the treasury. Five months have gone by and numerous calls to XXXX and the treasury and still have not received my money .I have asked Trans World six times for a compromise letter stating what was agreed to in the settlement and still have not received this. I did record on audio the conversation with Trans World so if needed I can provide .representative from XXXX  actually had the nerve to tell me that I should get my {$1200.00} back from Trans World . As far as I know if the government contracts with a third party they are responsible for the actions of their contractor Not me
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have disputed the account several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed XXXX {$0.00} 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Consumer complaint received 2022-06-01
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. (CA)

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit reporting agencies decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Delete these unauthorized Inquiries as soon as possible : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12 XXXX XXXXXXXX  XX/XX/XXXX 13. XXXX XX/XX/XXXX
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.