davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (CA)

in XX/XX/2021 i had a water softening system installed. i asked for the documents and contract which i never recieved. i contacted them a few times and i always got a someone will reach out to you but never did. i was suppose to get a year supply of soaps but never did and without a contract i cant dispute it with them, even though no one calls me back except to say that if i dont pay im going to lose my house. now verbally that was not an issue they never told me it was a loan on my house. never told that or i wouldnt have got it. i never had the chance to cancel the system cause its hard to get a hold of someone or somene calling me to address this. now its on credit report under home loans. was not told or do i have a contract that shows this.they system doesnt work well its not quiet and they put a whole in my garage and they nevr came to fix like they said they woukd
Consumer complaint received 2021-10-01
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called my bank, Bank of America on XX/XX/XXXX after a man named XXXX had me deposit a money order for {$990.00} at the ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at XXXX and I was taking out {$100.00} for myself when he approached me. I was the only person in the ATM and felt intimidated and nervous so I felt pressured and like I had no choice but to help him for my own safety. When I received the printed receipt from the ATM, it said there is an available balance of {$680.00}. So I transferred the money ( {$680.00} ) via XXXX to him. Once I got home, I had a feeling it was a scam so I called Bank of America on XXXX XXXX and was told that I had to wait for both the money order deposit and XXXX transfer to be processed ( both were still pending ) before he could look into the money order as fraud and the XXXX transfer as a scam. 

Once both finally processed, I called my bank again on XXXX XXXX as there was a credit chargeback for the same money order of {$990.00} which confirmed it was a fraudulent check. When I got hold of a representative, he also told me it was a fraudulent check hence the chargeback. He said it wont negatively affect my account but filed a complaint on my behalf as he told me that the previous representative who I spoke to on XXXX XXXX should have filed a fraud claim anyway despite the pending deposit. I let this representative know that I also wanted a refund for the {$680.00} XXXX transfer and he connected me with the XXXX sector of customer service. I waited on the phone for nearly 2 hours before someone finally connected me, where I explained all of the above. 

The representative told me it would take 10 business days for their researcher to investigate the case and up to 45 days for them to mail me the results. They also said *IF* I get a refund, as they said theres no guarantee Ill get my {$680.00} back despite there being physical proof ( I still have the receipt ) that the money I XXXX XXXX was the balance of a fraudulent money order. I tried to request the money back from XXXX XXXX XXXX on XX/XX/16 but with no luck. Im writing as today is XXXX XXXX and I received an update from Bank of America on this case on XX/XX/XXXX : Weve completed our review and are unable to approve your recent claim. Our records indicate that we completed the transfer ( s ) according to the instructions you provided us, and therefore no error occurred. Based on this, your account wont be credited. So even though I was scammed, my bank still can not provide me with a refund, hence why Im making this claim.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account needs to be removed off my report XXXX XXXX opened XX/XX/2015. In accordance with the fair credit reporting act my rights have been violated as a consumer pursuant to USC 15 1681a ( 1 ). Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. This does not comply with the FCRA ( Fair Credit Reporting Act ) and if it is not removed I will have my information removed from the database and no longer do business with any financial institution that uses your company to receive my information.
Consumer complaint received 2023-06-11
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: Resurgent Capital Services L.P. (TX)

I am writing to formally dispute certain inaccuracies and discrepancies found in my credit report regarding a collection account from XXXX XXXX XXXX XXXX. The information provided by your reporting agencies, contains inconsistencies that violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-11-11
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. (TX)

I pulled my Credit report on XX/XX/2022 to find out that XXXX had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX  working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with XXXX, so if they sent correspondence, I have not received it. I called XXXX and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a dispute.
Consumer complaint received 2023-02-22
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. (PA)

Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts
Consumer complaint received 2022-11-11
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. (CA)

I have contacted Experian about inaccuracies on my report. They keep updating date last active on XXXX accounts : XXXX XXXX XXXX and XXXXXXXX XXXX. I have disputes these dates and they do not fix them. I was never active on these accounts so they should not have a date. They are manipulating the statute of limitations by putting that I was active on XX/XX/2022. I have asked them to validate or delete the items and they do not validate or delete anything. Isn't it a violation of the FCRA if they do not correct or remove inaccurate accounts? I do not want inaccurate information on my report, especially from companies that I did not sign a contract with. 

They also keep updated the balance for XXXX XXXX  without explanation. This is also inaccurate and needs to be removed. 

Please investigate this matter for me, I have disputed multiple times already.
Consumer complaint received 2022-11-11
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)

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 XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2022-11-11
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)

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 XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (FL)

Gatestone attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX  was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at Gatestone and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers Gatestone has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. www.gatestoneco.com
Consumer complaint received 2022-11-11
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CO)

On XX/XX/XXXX, I logged into the XXXX XXXX app that I use every month to transfer my child support payment. I was forced to the new XXXX app and was forced to use the new platform. When I logged in and went to transfer {$600.00} to my bank account, I noticed that it looked different and only showed limited information regarding the accounts I am accessing. The checking accounts only displayed the last two or three digits of the account number. When I looked at the account numbers, there was an account that had the last digits XXXX and no other identifying information. I logged into my bank to verify the last two digits were XXXX and after verification, I transferred the money. 

After several days, the money had not been transferred and I contacted XXXX to find out what had happened. I was given a transaction number - XXXX which I presented to my bank. They had no record of that transaction. At that point I realized the new XXXX displayed no identifying information beyond the two digits and that two of my bank accounts ends in XXXX. There was no way for me to identify which bank account I transferred the money into. I've been on several calls with XXXX and they keep telling me that there's nothing they can do and because of security, they can't see any additional information. What they've actually created in an effort to attain security for the custormer is a breech in security that creates problems for the customer and, in this case, the loss of {$600.00} due to such limited identifying information of the accounts attached to the app. 

It is inconceivabel that an institution that provides financial services would set themselves up so that they have no ability to provide customer protection and customer service when dealing with moving money. Today was my 5th hour + long phone call that resulting in being told there's nothing they can do to recover or even identify where the money was transferred.
Consumer complaint received 2022-11-11
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. (AL)

A fraudulent account was opened with XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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
Consumer complaint received 2022-11-11
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. (AL)

A fraudulent account was opened with XXXX XXXXXXXX XXXX 
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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
Consumer complaint received 2022-11-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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
Consumer complaint received 2022-11-11
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. (OH)

In 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 has violated my rights. 

Creditor. Date XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-11-11
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. (MD)

My morgage was XXXX until XX/XX/2022, suddenly in XXXX they raised me to XXXX, arguing that they contacted my XXXX XXXX XXXX and the XXXX XXXX, saying that they did not answer them, so they put me forced insurance, which increased my morgage payment, despite the fact that my townhouse had valid insurance. 
I made the claim and they froze the payments until the problem with the insurance was fixed, it was on XX/XX/XXXX that the person told me that my late payments would not affect me nor would they charge me a late fee and that it would not affect my credit, which which was not true, since XXXX reported that I had not paid my fees, when they were under investigation for the payment of escrow. 
Check my bank accounts and my credit is too good XXXX now down to XXXX, which seems unfair to me since I was not to blame for all this, I think the problem lies in them not communicating with the relevant offices. 
I talked to XXXX managers but they refuse to help me fix it and say that they only reported it in XXXX, which is a lie, they already reported it since XXXX. 
I ask you to help me since this company promised to fix it but they are not doing anything, and the injured party is me. 
To finish and I will be able to show that since I did the refinancing I never had any delinquency or delay, which they can show with themselves.
Consumer complaint received 2022-11-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (WY)

Midland Credit XXXX has submitted all of their paper work to XXXX and I have also mailed and emailed and faxed all of my consumer reports about all XXXX accounts being paid. they have not taken care of these and updated these to reflect my credit
Consumer complaint received 2022-11-11
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. (MD)

My morgage was XXXX until XX/XX/2022, suddenly in XXXX they raised me to XXXX, arguing that they contacted my XXXX XXXX XXXX and the XXXX XXXX, saying that they did not answer them, so they put me forced insurance, which increased my morgage payment, despite the fact that my townhouse had valid insurance. 
I made the claim and they froze the payments until the problem with the insurance was fixed, it was on XX/XX/XXXX that the person told me that my late payments would not affect me nor would they charge me a late fee and that it would not affect my credit, which which was not true, since XXXX reported that I had not paid my fees, when they were under investigation for the payment of escrow. 
Check my bank accounts and my credit is too good XXXX now down to XXXX, which seems unfair to me since I was not to blame for all this, I think the problem lies in them not communicating with the relevant offices. 
I talked to XXXX managers but they refuse to help me fix it and say that they only reported it in XXXX, which is a lie, they already reported it since XXXX. 
I ask you to help me since this company promised to fix it but they are not doing anything, and the injured party is me. 
To finish and I will be able to show that since I did the refinancing I never had any delinquency or delay, which they can show with themselves.