davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (MI)

I have sent 4 letters to Experian to update or remove inaccurate information from my credit profile, and they have not did their due diligence in this process, meaning they are getting results back in less than a week, I feel like they are just using the XXXX XXXX   and not letting a human read and do the work. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question, I have asked for this information several times with no results.
Consumer complaint received 2022-07-21
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. (OH)

Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since

I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When I opened this Credit card I did just by myself after I decide to add my ( wife ) at that time as a user she never sign with me as cosigner when get divorce I started receiving mail offers on both names, I called to inquiry why her name was on it and i was informed that she was a co-owner of the account ; I asked to investigate and remove her from this account since i was 100 % sure she never signed any Credit Card agreement with me they send me a form to remove her from the account even though she wasn't supposed to be there I asked her to sign the form and I fax it to Bank Of America time pass and i never got any response so i thought everything was ok, couple weeks ago she went to BOA to inquiry about a balance transfer and they told her she can use this account, when I saw this I immediately call them and explain the whole history again, they open a investigation and after some time the balance was put it back into my account whitout any notification until after i called. Called again and explain that this wasn't my fault but BOA since they just add her into my account without my knowledge and asked them to provide me with a copy of the card agreement to see if she ever sign any paper related to this account ; i was told if i want this I have to subpoena, i called again asking if i can speak with a manager this time the rep told me she was going to request a deep investigation and I told her to please notify me if they need any information ; 4 days later I received a notice that reads ( Unable to locate the application record base ) we regret we are unable to resolve this in your favor.. So know am stuck with a balance that doesn't legally belong to me and of course if I dont pay it my credit will be affect it. Am no trying to walk away from my financial responsibility, if she cosign with me I will accept it. But at his point I don't know if BOA will add someone else to one of my accounts and later I will be responsible for someone I don't even know ... Do I have to take their word for granted?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MN)

DIVERSIFIED CONSULTANTS, INC. has sent notice in the last few months that I owed for a previous account with XXXX. 

I have settled any misunderstandings with the original company and DIVERSIFIED CONSULTANTS, INC. is still reporting to the bureaus. 

I do not owe anyone or any company anything and would like any information saying otherwise removed at once.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (PA)

This morning after already speaking with the debt holding company regarding a debt that I did not feel was proper I received a phone call at approx XXXX EST from a XXXX XXXX of McCarthy , Burgess and Wolfe XXXX She was immediately combative when I told her that I believed the bill to be a mistake and began spouting off how it was absolutely not a mistake and would not even hear me out. She also began to tell me that I had some how agreed to terms and conditions that would allow XXXX ( the debt holder ) to charge me for up to 60 days past my cancelation date. Regardless, she was rude and aggressive which was uncalled for as this was the first time they had made contact. Subsequently I was then contacted via email at XXXX est with a formal letter attempting to once again collect the debt. It is my understanding that it is a FDCPA violation to contact someone more than one time in a 24 hr period when confirmed party contact was already made that same day. I am displeased with the experience and feel further action should be taken against this firm/employee. The issues with the Debt holding company has since been resolved directly with them not this debt collection firm.
Consumer complaint received 2019-03-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Under FDCPA Section 807 ( 8 ) : XXXX XXXXXXXX XXXX ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage has failed to report this disputed debt to the credit bureaus. In addition, XXXX XXXX XXXX  ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage did not validate debt yet continue to pursue collection activity by filing a lawsuit against me which is a violation under FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

XXXX is now communicating selling my loan to another servicer without furnishing documents of their agreement with GreenPoint Mortgage collection dept.
Consumer complaint received 2017-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (PA)

From XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me other than to say I have to contact another firm, who never responds to me. 

I wanted to resolve this as I do not believe that I owe this, however, I ca n't get any information or assistance.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

I need my income driven repayment information in order to complete underwriting for a mortgage. This information is not being sent to me which has opened me up to a potential breach of contract lawsuit in addition to losing my earnest money and survey, inspection fees. By witholding this information, my servicer is causing immense damage to me as I could be without housing should this sale fall through.
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

The new servicing company is charging me " pay by phone fees '' when I have never paid by phone. I have contacted them, they didn't respond to me. They responded to you in my last complaint with you XXXX by lying and telling you that I paid by phone, when I haven't. I need someone to help me with this company and getting my unsubstantiated fees, back. I was transferred to the Massachusetts XXXX XXXX by one of your representatives, but they transferred me a couple times to no avail. How does a servicing company get away with this?
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

The debit in question was paid directly to XXXX XXXX in the amount of {$730.00}. XXXX XXXX advised me that they will advise Caine & Weiner that the debit was paid in full and that they will have to remove their information from all applicable credit reporting agencies. Called Caine & Weiner on XX/XX/22 and was advised that they are not required to remove the debit from the agencies. I called back and spoke to another person and was advised that they will remove the information however they only report to the agencies on the 15th of every month and will sent info to the applicable agencies to remove the info. I called Caine and Weiner today and was advised something totally different XXXX XXXX that the cases are sent to the agencies at the end of the month. Caine & Weiner is dragging their feet and need to remove the information immediately.
Consumer complaint received 2022-06-14
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 Act XXXX XXXX  XXXX Acct 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 2018-04-24
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. (WV)

Equifax shows various inquiries and or accounts that simply are not mine or known to me as being done. The following is the information I have received via XXXX XXXX today, showing the hard inquiries and such which I know are completely theft and not by my own self/knowledge. This is ID Theft perhaps. 

1. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 2. 
XXXX XXXX XXXX  XXXX Inquiry  from XX/XX/XXXX 3. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX 4. 
XXXX XXXX Inquiry from XX/XX/XXXX 5. 
XXXX/XXXX Inquiry from XX/XX/XXXX 6. 
XXXX XXXX - XXXX Inquiry from XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 8. 
XXXX XXXX Inquiry from XX/XX/XXXX 9. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. 
XXXX XXXX Inquiry from XX/XX/XXXX 11. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 14. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX 15. 
XXXX Inquiry from XX/XX/XXXX 16. 
XXXX XXXX Inquiry from XX/XX/XXXX 17. 
XXXX XXXX Inquiry from XX/XX/XXXX 18. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. 
XXXX 's XXXX - XXXX Inquiry from XX/XX/XXXX 20. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX **This is highly frightening and alarming** please assist me in repairing whatever damage possible. Thanks much.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX XXXX ( working on behalf of American Express ) has  continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
Consumer complaint received 2019-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month
Consumer complaint received 2019-03-23
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: I.Q. DATA INTERNATIONAL, INC. (WA)

IQ Data International, a debt collection agency lists an outstanding debt on my credit report which was disputed with XXXX, XXXX, and XXXX credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX. The company failed to contact me or the credit reporting agencies within the requisite period of time per Fair Debt Collections Act. The debt still remains on credit files as unpaid and as a consequence has resulted in adverse credit decisions for leasing apartments.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

A company XXXX XXXX Account Info ) is reporting MY bankruptcy despite the fact they can not do it and verify it with my COMPLETE SS #. 

It needs to be deleted or they have to explain they HAVE my COMPLETE SS # and the Ss # they have actually is mine ( which it can not be ). 

They are supposed to verify this with the source ( not a computer screen ). They said they did yet the bankruptcy court responded to my letter and stated the court DID NOT confirm my complete SS # ( rephrase ).
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2017 I've purchased an air tickets over the phone at XXXX, I agreed to pay {$730.00} for two tickets including taxes and other fees. A few hours later I find out that my card was charged for around {$1500.00}. Once I called this company in order to find out why is this happened with a truly believe its a mistake, they tried to convince me that this is full amount of the tickets, but if I would know this numbers at the very beginning I would never buy those tickets, so I said I want to cancel this purchase, they refuse to cancel this order ( but according to their own policy customers has rights to cancel the order in first 24hrs ). So the next phone call I've made was to my Capital One bank in order to dispute this charge. The money was returned to me, I've send all available documentation ( evidence ) to them ... THE END? NOOOOOO!!!!! it took them ( Capital One ) 6 month to investigate this situation during this period of time we had a conference calls with a XXXX Capital One and me, Bank sopped the dispute took the money back then reopened it again because I've rote them the official letter that I want to continue it .... 
Well after all the Bank took the money back because " I did not have evidence strong enough to return me my money '', but where am I suppose to get it from??? no one cared, my word was not enough as well as the word of my wife who was witness of the whole situation ... at the end I asked a Capital One manager, " so at the very beginning you guys knew I'm not going to win this case, and this disputing system is not going to help me, why did you wasted my time for 6 month with a fake hope i can return my money? '' the answer was : " we have to provide you an opportunity to file a dispute '' - even if you know I'm not going to win it? " yes '' ...
Consumer complaint received 2022-06-14
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. (GA)

On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (NJ)

I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XXXX which it isnt. These are from XXXX when I was a XXXX. They just recently maid something to my house about this debt as if the phone calls werent enough.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago! 
They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank. 
They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!! 

Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation. 
They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping my money!!
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

Called company to obtain information on account and to inform that account was not mine and is a result of identity theft, Operator could not locate account or give information on why written notice was not sent before collection was placed on report. Instructed to contact police, Contacted police who instructed to call Credit bureau, Credit bureau instructed to contact FTC, FTC redirected to CFPB. This is the second time that I have complained to credit bureau about this company. Credit bureau could not give information on how this debt was validated before being added to report, Aargon Company refused to provide contract to verify fraudulent account. This fraudulent collection that has been added to my credit report has severely damaged my credit rating dropping it from excellent to fair, this in return has caused me a hardship and denials for credit. Please assist with this matter. 

Thank you for your time and assistance XXXX XXXX
Consumer complaint received 2022-06-14
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: WELLS FARGO & COMPANY (GA)

Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I am writing about the collection company FCO : Fair Collections & Outsourcing Inc. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have asked for formal Validation of debt in which that they have not complied with. 
The so called debt with withdrawn in XXXX XXXX New York Court. The case was dismissed when the original creditor XXXX XXXX withdrew the case and no judgement or lien was awarded at all. I went to the county clerks title department and they confirmed their is no legal authority to collect this debt as it marked as disposed. 
They are refusing to remove this from my credit file and my fiances credit file which is preventing us from obtaining a home for us and our XXXX children ( ages XXXX ) Please help me as you are our last hope. 
We can not have any disputes on her credit file per the mortgage lenders as well. 

Sincerely