davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (MD)

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. Three of these unverifiable accounts were deleted and three remain on my credit report. Two of three remaining unverifiable accounts that are listed, are Medical accounts therefore violating HIPAA laws as well as the FCRA. 
The letter also requested incorrect addresses be deleted. Those addresses were deleted, but on further review there is one additional incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit consideration nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my old employers, deleting my wrong name per my request. 
To date I have Not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Equifax did mail me a response letter to the verification and demand letter I sent them dated XX/XX/2019.
Consumer complaint received 2022-02-11
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-05
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. (VA)

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 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 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
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

I have reason to believe that CREDIT COLLECTION SERVICES is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$370.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of CREDIT COLLECTION SERVICES or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX XXXX' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

About two years ago I mailed them a letter, per their instructions, asking them not to contact me again about a debt. Not only has it been paid, but it has also been over 15 years. At that time they were calling and sending letters to me. Both stopped soon after I sent the letter. 

About a year ago the calls and letters started back up. I answered one of the calls and said I did not want to be contacted ever again, the woman on the phone said she marked me down to not contact again. I also emailed them requesting the same thing, and I filed a complaint through this website. All contact stopped. 

Now a year later, I received a letter about this same debt. I emailed them earlier today and now I am filing another complaint to stop this before it gets out of hand again. 

It's obvious this place is more of a shady telemarketing company than it is a debt collector. They wait a year hoping you will forget how wretched their practices are and start the unwarranted harassment again.
Consumer complaint received 2021-04-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (ME)

I want to preface this complaint with I'm a XXXX XXXX, so I do understand the need of guidelines in which to approve and deny loans. I currently have approximately {$43000.00} in outstanding private student loans, these are JUST in my name, no co-borrower. I pay $ XXXX  monthly for these, as my average interest rate is 6.15 %. Recently, I tried to refinance these with the same company. MEFA is the overarching company, however they're serviced by XXXX. On Monday XX/XX/XXXX I was pre-approved to lower my interest rate to 3.80 % and lower my term two years, and keep approximately the same payment. I think it was a {$40.00} a month increase. I have as provided by MEFA a XXXX credit score, and good payment history for over a year with them ... ..as suggested by my score and I can provide proof of Both. 

I was denied due to my Debt to Income ratio, which I understand it a problem, I own a house, have a car, and student loans. HOWEVR, I'm refinancing with the SAME company and trying to lower my rate and make them easier to pay! I think this is SO SO SO wrong in SO many ways. 

I was basically told to get a co-signer or get lost or get more income. I'm not going to add a co-signer as no one should be on the hook for my college debt if I was to pass away. So, now they've basically ensured they will get more money from me for a greater length of time.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX AUTO FIN XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-03
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: Experian Information Solutions Inc. (MO)

I have no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

I have been trying to get my mortgage modified with Wells Fargo Home Mortgage for over 7 months without success and recently the lawer they hired to try to collect sent me a debt collection notice and on it, it states that I have 30 days to respond after receiving the letter if I dispute the information. I responded quickly to their letter by fax ( attached ) and by phone to the lawyer and told them I was reviewing the information and will get back to them shortly. The lawyer then sets a sheriff sale date for the house WITHOUT allowing me the legal 30 days to review or dispute the original debt collection notice from them.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

My husband was injured on the job in XXXX 2014. I called Wells Fargo in XXXX 2014 to see if there was anything I could do because I did n't want to get a bad pay history with them, and they told me all I could do was try to refinance. Because we lost XXXX of our income, my pay history ( and credit as a result ) has gone down the drain over the last year. Every time I talk to a rep, I have to explain my situation again and am again told I 'll have to refinance, but when I explain my pay history, I 'm told I wo n't be able to qualify for it. So I am basically stuck in this cycle.
Consumer complaint received 2022-07-05
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... TRANSUNION : Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : US BKPT CT XXXX  XXXX XXXX  Ref # XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2022-10-10
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. (CA)

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

In accordance with the Fair Credit Reporting 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 a account without my written instructions
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim for fraud through Bank of America for transactions from XXXX XXXX That I did not make or authorize they have denied my claim several times I also called one of the merchants XXXX and they just realized that one of the transactions were fraud And stopped the card from being used and refunded my money although Bank of America will not refund my international feet or any of the other international fees if they are charging me or any of the other transactions that I did not to do or authorize I have been going through this for two months now and its nothings changed
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, XXXX CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX  : # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (OK)

Shortly after I received this letter in the beginning of XX/XX/XXXX, I called CMRE after calling my insurance company form XXXX and explained to the customer service rep on the phone that the claim was not filed by their client. Therefore, either they needed to file it themselves or have their client file it for them. Also, I had not received any communication from their client prior to this communication. The hospital bill had already been received and that this bill would be paid in full because it was in network. I verified this with my insurance. I was told by them that their client had filed it and gotten no response. I advised them that my insurance stated that no claim was ever received. That I had a number that they could call to find out where the mix up was. They said that they do not call third parties. According to FDCPA, they can call third parties with my permission. I asked to speak to a supervisor and was given voicemail. I left her a voicemail advising her to contact my medical insurance company and file the insurance. It is not my responsibility to pay when I provided the insurance information to their client to file and they did not file it in a timely manner. They have a medical billing department in house and they are aware of this. Now they are calling me from California using several different Oklahoma numbers that show up as suspected spam. Then they want me to call them back. Since they can not call a third party from their office ( their words not mine ), why are they calling me? They have a contract with their client, not me. I would be considered a third party as well. And calling with an automated system and leaving a voicemail or using an automated system to tell someone to call you back and what it is about would be a violation wouldn't it? They don't know who is going to pick up the phone on they other end or if it's going to be attached to a car speaker or on speaker phone. Especially when using a suspected spam number.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (TX)

Amerassist - smile direct club has been reporting on my credit for over two years now as of todays date. I have reached out to the company in the month of XX/XX/XXXX, XX/XX/XXXX in order to receive notification of this debt and its validation being that I am unaware of it.
Consumer complaint received 2022-07-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Bread Financial Holdings, Inc. (PA)

I have been calling Comenity Capital Bank for about a week and the phone system always says high call volume, try again later. I also tried logging onto my account to transfer out the funds, but when I tried to log on, it said something like " account inactive ''. Since I have no access to the company and my accounts, it is not possible for me to withdraw the funds.