davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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: FREEDOM FINANCIAL NETWORK (CA)

I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

I.Q. Data International , Inc. 
XXXX XXXX XXXX XXXX, WA XXXX I received my certified letter requesting validation of the following accounts : RE : XXXX ( account number ) They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state, the debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Georgia Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance XXXX XXXX information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 



As of XXXX XXXX, I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. 

I've have sent 2 letter for debt of validation on XX/XX/2022 and XX/XX/2022 and still haven't received anything regarding to that account. 


If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.
Consumer complaint received 2022-10-15
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. (NY)

This creditor has violated my rights under 15 USC 1681 section 602 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 an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my husband deposited {$6000.00} from his XXXX XXXX XXXX account to our joint banking account at Bank of America. The Bank of America teller told my husband thatcheck would be on hold for two days. During that week, 2 autopays were charged to our BofA checking account. One payment for {$47.00} and another for {$300.00} both were returned and I we were charged merchant late fee charges. My husband made a deposit from the same retirement account last month on XX/XX/XXXX for {$5500.00} and never was there a hold put on the check. This check deposited on XX/XX/XXXX was held for 10 days For no reason. Not only were we charged late fees from the merchant but we were charged limit withdrawal fees using money out of our savings account so we could survive without any money for 10 days. I was able to get one of the savings account limit withdrawal fees waived but there are two additional fees. Since my husband used that retirement account the month before there is no reason that {$6000.00} check should have been on hold for 10 days I have contacted a Bank of America supervisor and spoke to two customer service agents. Explaining that my husband has two accounts in his credit union. The retirement account has been well established however he opened a another account and made it rather large deposit from his annuity I can understand why that one would have been held for 10 days but not the {$6000.00} check resulting in Unnecessary fees. We should be compensated for the late fees charged by the merchant and our savings withdrawal limit fee.
Consumer complaint received 2022-04-13
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. (RI)

15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries 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 2023-09-14
Product: Credit reporting 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. (FL)

XXXX Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account Numbers XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TN)

I went online to purchase health insurance and called XXXX for health insurance and had no idea it would not be legit. The lady was very helpful and told me it was the Affordable Care/Obamacare and I qualified for {$190.00} a month. I was transferred to an agent after I was on recorded line and they took my personal identification information.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (AR)

Debt Recovery Solutions XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX I filed a dispute with the above listed company asking for a copy of a signed HIPPA form by me. If they couldn't produce it they would be in direct violation. They have not responded or sent me a copy. They reported a duplicate collection on my credit report of {$220.00}. Rather than simply responding they intentionally reported a duplicate collection on my report to further prevent me from getting funding. That is a clear violation.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX/ {$210.00} / XX/XX/2022
Consumer complaint received 2022-04-13
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. (FL)

In Accordance with the credit Reporting act XXXX Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out instructions
Consumer complaint received 2022-04-10
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: Bliksum, LLC (CA)

I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

I'm being harassed with numerous phone calls regarding a debt I didn't know I had by, Wakefield Associates, and XXXX. There's hasn't been any form of validation of the debut, or contract. The collections were reported to all three credit Bureau 's resulting in my credit score declining over XXXX points. I wasn't warned, nor notified prior to the collections reporting. I would like for the collection agency to remove the collections and also stop harassing me via phone. The amounts for Wakefield associates is {$760.00}, and XXXX {$180.00} and {$230.00}.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

Fox Collection Center is reporting accounts to the credit bureau that do not belong to me. I asked for validation of the debts that they were reporting and they all sent back statements with the WRONG address on XXXX out of XXXX of them that I have not resided. I gave them 30 days to validate, I demanded removal and they stated they dont report addresses. However, they are still reporting accounts to my credit file that hold addresses that I have never been associated with. How can they keep reporting a debt that doesnt even have correct information? This is unfair and scary.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Credit Union Mortgage Association, Inc. (DC)

I took out a mortgage loan with the XXXX XXXX XXXX XXXX for my mortgage on XX/XX/2021. The loan is serviced by the Credit Union Mortgage Association [ XXXX  ]. In XX/XX/2021 XXXX  began overpaying taxes due to Washington DC by several thousand dollars. This resulted in a negative balance for my escrow account and a significantly positive balance on my tax account with the District of Columbia. Due to the way the District of Columbia Office of Tax and Revenue accounts for overpayments I am not entitled to collect this overpayment myself. Only the organization or individual that made the payment may claim the refund for overpayment. To make up for this incorrect overpayment XXXX has increased the amount of my mortgage due each month from {$1800.00} to {$3200.00} ; a sum I definitely can not pay. I am in severe risk of losing my house because of this improper accounting by XXXX. Despite pointing out the issue and providing documentation of the overpayment XXXX has made no effort to correct the error, refund the overpayment, and recalculate my mortgage payment back to what it should be.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My complaint is with Capital One ( XXXX XXXX XXXX ). This is a XXXX part complaint : I had a balance of {$2300.00} at the end of XX/XX/2022. I PAID the FULL balance online yet Capital One didn't apply payment until after XX/XX/XXXX, incurring an additional {$50.00} interest/finance charge. So I IMMEDIATELY paid that {$50.00} and low and behold my XXXX statement comes and they are wanting {$10.00} fee for XXXX BALANCE!!! 

So on XX/XX/XXXX I called Capital One to cancel/close this account and had to go through a supervisor by the name of XXXX ( XXXX XXXX XXXX ) who was sarcastic and belittling. 

I'm contacting you first and the Minnesota Attorney General next as these are unfair practices and need to be addressed.
Consumer complaint received 2022-04-13
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. (LA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries 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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK (OH)

In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 and the privacy act of 1974 states I have the right to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late credit for any purpose.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX  {$1100.00} / XX/XX/2022
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX  {$1100.00} / XX/XX/2022
Consumer complaint received 2022-04-13
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. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX  {$1100.00} / XX/XX/2022
Consumer complaint received 2023-01-13
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. (PA)

This is my 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 inquiries 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 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 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
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

I want to start off by saying I have always had my own private homeowner insurance and landlord since XX/XX/XXXX. XXXX XXXX obtain my loan and transfer to Fay Servicing. I contacted Fay Servicing and sent a letter requesting to remove the insurance and was informed a liability. I reiterated I have my own insurance. It appears I may have been charged twice from the mortgage and my own. I sent an email to XXXX XXXX and Fay Servicing XX/XX/XXXX for an thorough investigation and audit, please respond within 30 days. NO one has contacted me.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland credit management inc. is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was recently scammed out of {$6000.00}. I am currently a recipient of XXXX ( unemployment ) and between XX/XX/XXXXsomeone/s withdrew {$6000.00} from my pre-paid XXXX Bank of America account XXXX XXXX XXXX. Once I discovered the unauthorized transactions on XX/XX/XXXX I filed a claim via phone with the institution. I received a denial letter dated for XX/XX/XXXX in which I requested a reconsideration. My claim was reopened XX/XX/XXXX and denied again on XX/XX/XXXX. I spoke with a representative of the institution for a reconsideration once again in which it was reopened XXXX XXXX. I have done everything in power to resolve this matter with my banking institution but yet my fraud claim continues to be denied and mishandled. Ive sent the banking institution the DR # from the police report, my Drivers License, as well as a rebuttal letter, along with other photos of myself and evidence. My investigative jurisdiction as a citizen only goes so far which is why I am reaching out. This matter has created a great deal of stress for me and has put me in a hardship. Please consider this matter in good faith and provide a solution if possible. I would greatly appreciate it.
Consumer complaint received 2017-08-29
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. (KY)

On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I sent a certified dispute letter requesting validation of the account being reported by XXXX, XXXX, and Experian. 

I received a response from XXXX XXXX on XX/XX/XXXX stating : " All account information ans documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do so. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX and Experian have violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

I applied for a XXXX XXXX ( XXXX ) on XX/XX/23. As I had frozen my credit reports with XXXX XXXX, XXXX and XXXX through Lifelock the application was denied as I had to lift the freezes. I was successful with XXXX XXXX on - line and by phone with XXXX but not Experian. I repeatedly attempted to contact Experian via phone, on - line and then finally obtained direction to contact them by mail- which I did on XX/XX/23. As of this writing I have heard nothing from them and still my credit report remains frozen. I received numerous letters from XXXX  re status but Experian remains the problem. There is no person to talk to, no way to get past the problem and I need my credit unfrozen. If there was a need for a major purchase what would I do? 
May I add that I have a credit score over XXXX.
Consumer complaint received 2019-07-10
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. (GA)

Equifax reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is reporting XXXX XXXX as an account of mine. It is not my account and was removed from XXXX Credit Report and needs to be removed from this one as it is not mine.