davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Duvera Billing Services, LLC (NC)

They illegally used my card for an account that it was not associated with. I told them more than twice to not do that. They continued to do it anyway. I paid my debts, yet they kept sending it back to the bank causing me to be further in debt with the collector. The first time they sent a letter to send to debt collectors they never said it would be in-house collection, and that it would go into effect after 15days. They continued to allow their collection department to use the same card I told them from the beginning to not use. At this point its harassment. From the beginning it was a scam company that I should have done my research before giving them access to my bank account.
Consumer complaint received 2022-06-15
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX  XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

On XX/XX/XXXX i received a letter from this collection agency about a townhouse i moved out of saying i owed XXXX dollars they are saying i renewed the lease and broke the lease early when infact i moved out when my lease was up and told them months prior i would not be renewing the lease i sent all this information including copies of all communication with XXXX XXXX XXXX showing that i terminated the lease well before the 60 days they still put this collection on me and my wifes credit reports causing my scores to drop this is illegal according to my lawyer who i have contacted i have sent this collection agency 3 letters now as well as emails showing the debt isnt owed and all they send me back is a copy of my lease saying automatic renewal when this cant be the cause because i terminated the lease almost 5 months before the lease was up so i am still owed my XXXX dollar deposit from XXXX XXXX XXXX that they are refusing to give back to me on top of them putting a bogus XXXX dollar collection my credit report.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (NC)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-10-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am refinancing my home and was looking for the best rate. I reached out to a company called XXXX XXXX and spoke to someone named XXXX XXXX. I told her I had been talking to XXXX and they had pulled my credit score on XX/XX/2021 so I DIDN'T want XXXX to pull my score if it was going to be considered another hard inquiry. She told me it would not impact my score. XXXX sent me information from the CFPB website that says you have a 45 day window when it comes to mortgages inquiries. I told her she could pull the report but that was because I was under the impression it would NOT count against me. I have written to all 3 credit agencies and they told me the window is 14 days. They have said they will not remove the inquiry. The inquiry I am disputing is from XX/XX/2021 XXXX XXXX lending via XXXX XXXX. I wrote to XXXX XXXX but the letter was returned saying they had moved with no forwarding address. I would like this hard inquiry removed my credit.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAC Services, Inc. (OR)

A debt collector is saying he can take away my business license and property over my employees debt. He is calling 2-3 times a day, and only when the employee is not at work. I'm XXXX years old. He says he's sending the sheriff out to close my business down. My employee only gets paid monthly but he is calling everyday. The company is called Commercial Adjustment in XXXX, XXXX. He not only calls the business, but calls my personal cell phone. His harassment calling me on my cell phone almost caused me to have an accident in my car.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (MN)

On XX/XX/XXXX, my mortgage servicer changed to ShellPoint mortgage. I received notice, dated XX/XX/XXXX, from ShellPoint, and didn't see it until after my payment for XXXX was sent to previous mortgage servicing company. 

In the middle of XXXX, I received a letter threatening foreclosure since my account was now past due by {$2600.00}. I called to speak with my 'SPOC ' - and was told that person was no longer my SPOC and was combative when I pushed for answers on why Shellpoint thought I was behind in payments. I requested a supervisor to talk to. I was informed there were no available supervisors, and that one would call me back. I was given another person as a SPOC, and tried calling the number, and couldn't reach that person, so choose to talk to another person in the department, who couldn't help me. I was given yet another name to call. I tried calling that person, and was unable to reach them. As for the supervisor request, I never received a call back. I spent close to 3 hours trying to get this sorted out. 

I then called back at end of XXXX ( XX/XX/XXXX ), trying to clear this up so it wouldn't show on my credit report, and was informed that I was dealing with collections. At this point some of the monies paid to my previous servicer was applied to my account, leaving an underpayment of {$1000.00}. Even though I again asked for a supervisor, I was transferred to customer service because my account no longer met the collections department requirements. I was told to submit bank statements showing my payments to the previous mortgage servicer. I did so that day, with a request for an accounting of how my account was past due. It took another 2+ hours of my time to get this little bit of information from ShellPoint, and send a written response. 

It is now XX/XX/XXXX, and I have not heard back from ShellPoint mortgage servicing, so I called to speak to a customer service rep again. It took 15 minutes for my call to be connected, and the rep said she would take a few minutes to research my account. After being on hold for 10 minutes, I got pushed into another queue. This rep said that they had requested information from my previous mortgage servicer on XXXX, and that they had not heard back. But now that they had the 'proof ' of my payment, they will 'escalate ' the request with previous servicer. I have spent 5+ hours of my time trying to make sure my mortgage is paid properly, and that there are no adverse credit effects as I am trying to rebuild it after being laid off earlier this year and missing some payments on other accounts here and there.
Consumer complaint received 2022-06-15
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. (GA)

Today, I pulled my consumer reports and I have noticed once again that the consumer reporting agencies are not upholding their responsibilities by ensuring that my reports are at the maximum accuracy. My personal information has outdated addresses and incorrect names listed on there which need to be removed. There are multiple accounts where they have wrong open dates, reporting dates, credit limits, payment statuses, and etc. How can they keep saying that they are following their responsibilities under the FCRA but there are multiple inaccuracies on my consumer reports?
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via Zelle to the individual, who was soliciting their services, on XX/XX/2021. Nearly XXXX weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My Zelle account was then deactivated, I reached out to my bank who transferred me to Zelle Customer Service because they stated their was nothing they could do. Zelle also advised me that there was nothing that could be done to reactivate my Zelle account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.
Consumer complaint received 2022-06-15
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)

Today, I pulled my consumer reports and I have noticed once again that the consumer reporting agencies are not upholding their responsibilities by ensuring that my reports are at the maximum accuracy. My personal information has outdated addresses and incorrect names listed on there which need to be removed. There are multiple accounts where they have wrong open dates, reporting dates, credit limits, payment statuses, and etc. How can they keep saying that they are following their responsibilities under the FCRA but there are multiple inaccuracies on my consumer reports?
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I had a {$4500.00} limit on my revolving charge account with Citi Bank. I was notified via email that the limit had been changed to {$300.00} due to information on my XXXX credit report. There is no derogatory information on my report, I have not missed any payments or anything else. 

I reached out to the company to resolve the issue and was told that no one knows why the limit was reduced. I was told I would receive a letter to explain but I have not received anything. 

My card balance was paid in full and I had a XXXX or near XXXX amount on the card when the limit was reduced. 

It seems to me to be very unfair that a company could damage my credit and not even tell me why they made the decision to lower my limit.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

This is a formal complaint against Transworld Systems Inc located in XXXX, MO. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XX/XX/XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXXand not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (ND)

I pay a settle of XXXX on XXXX, the total was XXXX. I was told that would not show up on credit report well it does causing me higher interest rates. It will show up on report untilXX/XX/XXXXi was told would not. If i would have know that would have pay full amount. The interest rate of 2 % I would get without that on there. But a 6.9 % causing me hardship on a loan because they lye to me. In these times of COV-19 causing me so much hardship.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

The debt has been placed on my credit report by a third party for an account that is not mine. I have never had an account with the original creditor. I requested they provide a contract or information showing the origination of the debt and they replied with a copy of a bill from my previous address and refuse to remove the debt from credit reporting after being notified this is fraud. There is no contract or agreement because I have never had services with this creditor/company
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I contacted Citi about an accrued interest charge that hit my account during my financial hardship/mortgage forbearance/car payment deferral- time earlier this year when Covid issues were peaking this year. I had a 70 % loss of income and put my mortgage and car payment on forbearance. Tried to keep up with all my other accounts like this credit card current w/ min payments and put food on the table for my family with the rest until things changed. 

It seems during this crisis a past charge was due other wise accrued interest would hit my account. This put my account with a $ XXXX limit and working down to under {$3500.00} balance at a new balance of {$7000.00} and with that I have been hit with late fees and over the limit while paying the minimum balance or so I thought. 

As soon as I saw this I immediately called Citi to ask for help and that I was trying to maintain all my accounts as they could see but missed the communication about needing to pay that charge off. After much back and forth I had to ask to escalate to executive office where I could speak with someone that could help as the rep said '' oh if you would have called 10 days ago I could have helped you but no Sorry nothing I can do to help. 10 days ago? How could they want to ruin my credit dropped over 60 points when someone wants to pay them money bc of a simple oversight during some very rough times. Now I am racking up late fees and over the limit charges being harassed by phone calls that tell me I am over the limit but when I ask for help and explain my situation there is nothing that could be done. I waited a few months bc I wasn't sure where to turn or if my executive office complaint in which I was originally disconnected was in the works. Please help
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-07-21
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted. 

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CO)

I received a call from Dynamic Recovery Solutions regarding a debt that never existed, that they possibly made up or are useing a stolen identity. They some how knew my Social security. The debt was from XXXX XXXX XXXX, I have never had a XXXX XXXX card and my Credit score is actually very good. Also read online that this is a scam.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed address information with Equifax. I have also received three different credit reports from Equifax showing they have deleted the former addresses. They still currently appear on my Equifax credit report. They are refusing to remove the old addresses even though dispute is completed.