davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (CA)

I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. OnXX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father XXXX miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights, for serving a summons for lawsuit that was dismissed
Consumer complaint received 2017-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

I attempted to perform two transfers from my XXXX checking account to an account that I have at Chase bank using the XXXX web site and their " XXXX '' transfer feature. The money did not arrive in my Chase bank account. XXXX confirmed that the transfer was completed and provided an ACH number for each transfer. But they could not verify the destination account number or routing number for the transfers to help me track it with Chase bank. And they said they were phasing out " XXXX ''. Chase bank said they could not find any record of the transfers being received in their accounts -- and I provided them with the ACH numbers from XXXX. I suspect that the destination account number or routing number was incorrectly entered by me on the web site, and I also had to provide an email address. XXXX clearly did not verify the target account name before completing the transfer. Chase bank accepted the funds without confirming the destination account. I have spent hours on the phone and in the office of both banks over the last few months. Both banks have performed investigations which seem to amount to the same info -- an ACH number and no confirmation of receipt of funds. Neither claims to be able to help me, and neither will talk to each other to coordinate an investigation. I have no way to tell which bank is not able to trace the ACH properly. Transfer # 1 - XX/XX/XXXX - {$1000.00} Transfer # 2 - XXXX/XXXX/XXXX - {$1000.00} Name on destination account, account number, ACH numbers, and XXXX transaction IDs furnished upon request.
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

XXXX XXXX has been reporting to the equifax credit agency under the given account # XXXX for a " credit card '' in the amount of XXXX, the information provided prompted me to inquire directly with the company, and their response to me is that they acquired XXXX XXXX in 2003, and as of 2003, credit information related to XXXX ceased being reported to credit reporting agencies by the bank and that it appears that someone is false reporting this debt under the XXXX entity 's name
Consumer complaint received 2019-04-08
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. (WA)

Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly. On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking and and saving account with Bank of America located in XXXX XXXX, CA. A XXXX dollar fee was taken out of my saving account. On XX/XX/2019 in the amount of {$430.00} within 72 hours money was taken out of my account. Please note that I made transactions to however I use or spend all the money in my account
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I am disputing this debt because I do not owe it. 

XXXX XXXX XXXX, XXXX illegally reported this debt of {$6300.00} which was not justified. I asked them to delete it from my credit report. 
We have contacted the company many times : XX/XX/XXXX Mail from the law firm XXXX, XXXX XXXX XXXX, XXXX declining our request to get the refund of our security deposit. 

XX/XX/XXXX Mail sent to XXXX XXXX XXXX XXXX : Demand for Security Deposit back and to remove the credit report. 

XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX with all the elements ( lease agreement, complaints, pictures ) requesting for the refund of our security deposit and to remove the credit report. 

Doc 22 : XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : requesting the full refund of our security deposit and to remove the credit report. 

XXXX XXXX XXXX, XXXX violated our contract ( no smoke policy ) and did not meet the requirements of our Lease Agreement. XXXX XXXX XXXX, XXXX reported this bad reference that was not justify and did not remove bad credit reference, which was not justify regarding the Notice of Entry of Judgment which is attached to this complaint. The judge found sufficient violations of no smoke policy to justify termination of the lease. 
XXXX XXXX XXXX, XXXX also violated the California law sending the " move-out statement well beyond the required 21 days ''. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is NOT authorized to report or collect within the boundaries of my state of TEXAS. Please see the attached document from the XXXX website confirming XXXX XXXX XXXX is not licensed in Texas. I have sent XXXX XXXX XXXX numerous letters requesting debt validation and they just like Experian have failed to verify the method of verification of all disputes as requested. Experian nor XXXX XXXX XXXX can validate the debt. Experian is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. Since neither company Experian nor XXXX XXXX XXXX can provide the information request this is causing credit defamation by reporting false unverified information and proves both companies have failed to perform their due diligence to ensure they or reporting accurate information. Had the proper research been done Experian would have known XXXX XXXX XXXX is not authorized in the state of TX to collect or report a debt.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the XXXX, XXXX and Equifax to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 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! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CT)

XX/XX/2018 was paid amount of {$300.00} to RPM (  receivables performance managment ) XXXX XXXX XXXX WA ( XXXX   ) and balance was due for {$230.00} They said that i can pay that XXXX dollars after 30 days which is end of XX/XX/XXXX and i never had another bill or phone call from them during that month and after less then a month i seen a collection account in my credit report! After i contacted with them they sent me another settlement amount with added {$100.00} more to past due amount and i paid that whole amount and i was still seeing a collection account in my credit reports even they said they were going to take it out from collection! I also took a picture of that offer and sent them to experian and disputed i still see that collection in my credit report!
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I transferred {$700.00} to the owner of a business XXXX XXXX XXXX and XXXX XXXX. on XX/XX/XXXX as a deposit for granite countertops. They were to be installed on XX/XX/XXXX. I still haven't received the countertops or the entirety of my money back. Through a series of communication I have managed to get back {$200.00} with daily promises to return the rest. I do not feel that it's fair that nothing can be done about this transaction fraud because this is a known individual with a legitimate business registered in the state of Florida.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (FL)

I contacted XXXX in regards to a collection account, ProCollect, that was being reported incorrectly on my credit report. I disputed the item with XXXX on XX/XX/2018 ( certified, signature receipt ). XXXX sent me an updated report ( confirmation # XXXX ) and corrected most of the error but left one  remaining which is affecting my credit score. ProCollect ( collection company ) is reporting that it is still open when it is not. I have sent XXXX a copy of my Chapter XXXX bankruptcy ( XXXX ) filings showing them that ProCollect was included and that this account should either state included in chapter XXXX or state that it is closed. I have a copy of what I sent to XXXX with a copy of the certified mail receipt.
Consumer complaint received 2019-04-08
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. (NY)

XXXX XXXX XXXX Reported me 30 days late - XX/XX/XXXX. That was incorrect. 
It was reported on Experian on or about XX/XX/XXXX. I immediately contacted XXXX, and disputed the information. They originally said that it would self correct. The next day I spoke with them, and they said it would not correct. 
I filed a dispute with Experian. 
On XXXX, I see that XXXX is now reporting me 30 days late, but dating back to XX/XX/XXXX. 
I reviewed all activity from XX/XX/XXXX through lease end XX/XX/XXXX. 
At no time was a payment made more than 30 days late. 
I request that my account with XXXX be reported accurately, and false information be removed. 
The company does a poor job of maintaining its data files. It can not even list my name correctly. 
XXXX XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Last year my bank erroneously gave access to my accounts to an unknown party. I have activated fraud alerts and freezes at all 3 credit reporting agencies. Trying to have the fraud alert removed by Experian has become a trial of patience that they are winning. I have been hung up on, told to upload documents to a site that will not accept documents, have been in the endless loop of computer phone calls that end in a computer telling me they can't help me to being transferred to voicemail accounts. I finally talked to someone that said it will take 3 days for the removal - so much for getting electricity today .... 

These companies have such control over our lives and are adding more and more every day, like insurance - auto, homeowners and health now use your credit score for rate determination. I have spent 3 hours talking to numerous foreign countries today with zero results. Be wary about putting any alerts on your credit record.
Consumer complaint received 2019-04-08
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)

XXXX XXXX XXXX/XXXX CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

I purchased an XXXX and was financed with XXXX XXXX XXXX in XX/XX/XXXX in which my first payment was not due until XX/XX/XXXX. Unfortunately, after I purchased the vehicle, the government was shut down and I was on furlough and just last month received my retro pay. Due to this I requested a balloon payment or some sort of assistance in making my first payment as I had no money or means to make it and desperately did not want to miss the payment or have it negatively affect my credit report. 

I was told in early XXXX that they had placed the request and I would be receiving the forms to review, confirm, and sign and since it was shutdown, they would only put one, instead of the two, payments to the rear. After 10 business days, I noticed I had not received the forms and called to inquire, in which time I was advised that they were not sent, as the representative did not send them because although she said the manger had approved it, they did not sign it. They then stated they had put in another request and I would be receiving the forms again in the mail. I waited again and now the due date, which is XX/XX/XXXX was her and I was getting anxious and nervous as I was still without funding and no work. When I called back I was told that I was misinformed the entire time and they had no relief for the shutdown victims unfortunately and that I need to make a payment asap to avoid a negative remark on my credit and have a late fee. Of course, I was very upset and had to scramble to make the full {$740.00} payment and now am at a total financial hardship as to where I could not even make the payment in full on time last months and trying to recover from everything has been challenge and not to mention a total financial hardship. 

I placed a request in two week ago for some assistance again and advised the payment would be late but was there anything they could do because of the circumstances and requested to have a courtesy credit mark removeable, as they reported late, and my credit has gone down an entire 30 points, which is very hurtful to me and my credit. Although the request was placed, again when I call them I get the run around and no word yet if it was or was not approved. 

With all being considered and reviewed, I am desperately requesting that they do a one-time courtesy removal of the negative mark on my credit report ASAP. I want a confirmation of the approval for it too, so I can have to send to the credit bureaus to ensure they remove it in a timely fashion.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-08
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. (GA)

I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XXXX of 2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-08
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. (GA)

I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XXXX of 2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, XXXX XXXX