davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (GA)

To Whom It May Concern : I was a customer of XXXX for a year. I paid a year of services in advance. I was not satisfied with the work provided and I had called several times to cancel for a refund. However, each time I was advised the problem will be fixed. After several phone calls which took so much time away from my busy schedule, I told them just to cancel my service once the annual paid was finished. However, after the annual paid was completed, they continued treatments without my consent and charged me for work I did not authorize while I was away from my property for work related matters. I had called several times to get this square away. I spoke to the manager and she said it will be taken care of. However, I recently received a letter from Transworld Systems Inc. and stating I owe {$140.00} that they are collecting on behalf of XXXX. They will report me if I do not pay this amount. 
Here 's the info relating to this matter. 
Transworld Systems Inc collections Agency XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX ACCT # XXXX Date XX/XX/2018 amount {$140.00} Had i requested this service, I would be more than happy to pay. However, I did not request the service and previous service provided by this company was very unsatisfied. Please help resolve this matter for I do not want to continue receiving letters and/or phone calls for something I did not sign up for. 
Thank you, XXXX XXXX
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

On XX/XX/2022 I was checking my Citi XXXX cash credit card and noticed I had a alert. I checked the alert and it said my account has been closed. I called the company asking why my account was closed and they said they dont have that information and that I will have to write XXXXsupportunit to find out why. I emailed them and they said they will respond to me within 30 days. On XX/XX/2022 they emailed me back stating they closed the account because I was convicted of a XXXX XXXX 13 years ago. When I filled out the application no where asked about if I have any prior convictions. If they did I would of never applied. Now because they decided to do this my credit score is going to suffer. Also Im in the process of buying a house so that doesnt look good. Ive had this credit card for less than 2 months then they decided to do this to me.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-27
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. (TX)

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2022-08-27
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2019-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I use Wells Fargo for all my banking needs and have been a member for many many years. On XX/XX/XXXX I used my bank to transfer {$400.00} ( via Wells Fargo app ) to pay for concert tickets via XXXX. By using my Wells Fargo acct I was under the assumption that my money was insured and secure. The transfer went through. I never received the tickets and the person I was purchasing from declined my calls. I called the bank an hour after the transaction and they said they are unable to cancel it. I also filed a police report. They said they will investigate it. After 2 weeks, I received a letter saying they are not responsible and will not reimburse me even though I used their app XXXX for Wells Fargo.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

someone has access to my personal info. I've been dealing with this issue for the past few years. I've tried disputing this with the credit bureaus but these fraudulent items still remain. I '' m also seeing someone still trying to obtain credit in my name because, im seeing a lot of inquiries, different addresses, and wrong employment info reporting as well.
Consumer complaint received 2022-08-27
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: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management XXXX XXXX XXXX XXXX XXXX, CA XXXX {$4200.00} In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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 cant furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-08-28
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. (PA)

My name is XXXX XXXX I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

To Whom It May Concern : THIS IS JUST A FOLLOW UP JUST IN CASE YOU DID NOT GET MY DISPUTE DIRECTLY==> I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems report. - ( XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number:XXXX4 I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT IMMEDIATELY!. 


Bank Checking Account : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number : NA delete it from my XXXX REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-27
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: Synovus Bank (MD)

In accordance with fair credit reporting act XXXX accounts shown has violated my rights. 
15 use 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation (CA)

I received 2 debt collection letters from LEONARD & ASSOCIATES demanding payment for a total of {$160.00}. 
I did go to XXXX XXXX in 2 of its locations One is to get information and in another occasion I received an Attention by a Nurse not by a License Doctor, I fully dispute the amount this Debt Collector states in their 2 debt collection letters. 
I'm attaching a Dispute Letter to get the proper response from the Original Creditor as Well.
Consumer complaint received 2020-02-10
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX   XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX. I em doing this own my own and I have call the local police and FTC.
Consumer complaint received 2024-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ready Capital Corporation (LA)

I had hurricane damage and waited 2 years to get an additional settlement now the company won't give me any additional funds. I have been out of my home for over 2 years and am about out of money.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.
Consumer complaint received 2022-09-28
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX, 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 Open Date XX/XX/2014 Balance : {$790.00}
Consumer complaint received 2022-02-24
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: Paradigm Assets, LLC (CA)

I have sent multiple requests to request removal of the attached information from my credit report due to inaccuracy of reporting. Every response received states they have INVESTIGATED and VERIFIED the file as accurate. Last comment of updated account states NOT SPECIFIED. This does nothing for verifying my account nor does it resolve the issue. 

How is this possible when the consumer is the only one is able to verify this? As stated on my credit report, it shows all 3 credit bureaus reporting different information, not to mention, they never sent proof of how this information was verified, but states that it's accurate. I am attaching the latest request sent along with their response.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I moved from the XXXXXXXX XXXX in XX/XX/2021 at the end of my lease. I was completely paid in full through the rent portal. Three months later, I was told by a realtor that a collection was on my credit from the apartments, added in XX/XX/2021. I never received a phone call or letter from them stating I owed any debt. I called and spoke with leasing agent XXXX who stated I did not owe a debt. I also spoke with XXXX who agreed that I did not owe the debt but said she could not do nothing about it because she already sent it to collections with a company called Genesis. Genesis refuses to respond to any disputes sent and I have been sending them for two years.
Consumer complaint received 2022-08-27
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. (TX)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2.00}
Consumer complaint received 2022-02-24
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. (FL)

Im filling a complaint because Ive noticed trans union, XXXX, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining XXXX percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc. (MD)

United Credit and Collections, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, MO XXXX placed a collection balance from XXXX XXXX on my credit reports with a date of XX/XX/XXXX. This is an inaccurate date. The correct date should have been XX/XX/XXXX and this collection should have been removed from my credit report 5 months ago. I've disputed this numerous times through XXXX XXXX and XXXX XXXX with no results.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have been paying off my loan early, which was supposed to be applied to the principal balance. Instead, Nelnet is applying only a small portion of my payment to the principal, while applying most of the payment to interest. This was never explained to me in any of my loan documents and Nelnet refuses to work with me. 

I spoke with someone named XXXX, who said that it does n't matter if I request that my payments go to principle balance. So, although my next loan payment is n't due until XXXX XXXX 2018, Nelnet applied {$140.00} of the {$170.00} payment to interest. They refuse to apply the over payment to principal as I requested.
Consumer complaint received 2019-09-14
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. (MI)

Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX- total visa XX/XX/XXXX XXXX XXXX XXXX Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (CA)

On XX/XX/2022 my house was damaged by water. I submitted a claim to my insurance. My insurance paid me XXXX for the damage. I had to submit the check to Fairway Mortgage because that is who I have my mortgage with. They have been unresponsive, and have held my money for over 5 weeks. They put you on extended holds, and rarely answer the phone. I can not get them to release the {$240000.00} dollars. I call on a daily basis, and I can not get through to anybody who has any authority.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I did not receive my e or paper statement and therefore did not know when my due date was and was assessed a late fee. I called and spoke to four different people on the chain of command and they admitted male has been weird the past two years but that they have to be consistent with every client and that the late fee was assessed appropriately. I argued how am I supposed to know my due date when I havent had a balance on this bill for a few years and didnt receive a statement is still not waiver fee this does not support their mission statement or their business practices.