davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
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: EQUIFAX, INC. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting Act the following XXXX  accounts have violated my rights : Fair Collections & Out, Account # XXXX 15 USC 1681 602A states that I have the right to privacy. 

15 USC 1681 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I'm a victim the inquiry issue with credit card 1. Wells Fargo SVC XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-02-01
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. (IL)

The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX- Amount {$1700.00} Date XX/XX/XXXX XXXX  XXXX- Date XX/XX/XXXX ; Amount {$12000.00} XXXX XXXX-Date XX/XX/XXXX- Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XX/XX/XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Date XX/XX/XXXX- Amount {$23000.00}
Consumer complaint received 2021-10-20
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. (CA)

In XX/XX/2019was having some personal problems so I called XXXX XXXX and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (CA)

I was a past tenant at XXXXXXXX XXXX XXXX in XXXX CA ( XXXX ). This apartment complex reported {$20000.00} of debt to XXXX XXXX XXXX XXXX. When I contacted the apartment complex after I noticed a change on my credit report showing this debt, they had no information to give me besides to contact the creditor to file a dispute. I made contact with the creditor company on XX/XX/2021. I spoke to XXXX XXXX. I completed the dispute process over the phone with her ; I was told she was going to she was going to contact the apartment complex and that a 30 period for the apartments to respond would begin stating this day we spoke. XXXX stated she would forward me whatever documentation she obtained from the apartments regarding the debt. I never received any email from XXXX. I called XXXX back and spoke to her on XX/XX/2021 and left a voicemail. As of XX/XX/2021 I had not received an email or call back from the creditor. I then called again XX/XX/2021 I spoke to XXXX, she said she had gotten a copy of the charges filed by the apartments and that the dispute did not start until XX/XX/2021. XXXX had made it very clear when we first spoke the dispute would go into effect that day we filed it. When we spoke XX/XX/2021 XXXX stated she would email me a copy of all documentation that she has obtained and I have not received any of this information whatsoever. 

The 30 day window that began XX/XX/2021 or XXXX/XX/XX/XXXX have past and I have yet to receive a single document or email from the creditor dispute my multiple attempts to proceed with the dispute. 

Lastly, I want to add XX/XX/2021 when I spoke to the XXXX XXXX  ; I spoke to Mr. XXXX and the manager. I was told I would be emailed a copy of all changes and those were never sent to me either. The apartment complex stated they do have my file on hand and that it is in a storage unit.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I sold my home in XX/XX/XXXX and I asked my mortgage company ( Dovenmuehle Mortgage ) for my escrow refund. I was due a refund in the amount of {$3500.00} for prepaid property taxes and home insurance. I called and was told a check was issued on XX/XX/XXXX. I did not receive it so I called again on XX/XX/XXXX and was told that they had my old address on file. I updated my address and was told they will request to issue a new check. I have repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Every time I call, i am told the check is in the mail. Also, I am told that a new check can not be issued within 30 days of past issuance. I offered to pay for overnight shipping, and tracking information but was told by customer service that the only thing they can do is request the refund check but can not overnight nor provide tracking information. It has been 3 months since I am supposed to receive my escrow refund check. I have requested for this case to be escalated to no avail. I keep calling and keep getting the same excuse, check is in the mail - with no tracking or confirmation that a check has been issued and when i should expect it.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX Card Services is inaccurately reporting to the credit bureaus. To Experian and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to Experian. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.
Consumer complaint received 2017-09-19
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: iQuantified Management Services, LLC (NY)

On two occasions I was sent a bill ( XX/XX/22 ) and then a final notice ( XX/XX/22 ) from XXXX XXXX XXXX XXXX. After receiving the first bill on XX/XX/22, I called them and had my XXXX XXXX XXXX representative, XXXX, on the phone. It was determinedthat I was billed for three claims with the same tax ID and two different doctors. Not only that, but the claim was for a hospital procedure when the actual procedure was done in a doctor 's office. 

Today, XX/XX/22, I received a debt collection bill from iQuantified Management Services stating that I owed for this exact claim. I then called XXXX XXXX XXXX XXXX on the phone for the THIRDtime. I spoke to a manager named XXXX, who went back over the claim that is in need of correction. I even provided him with the corrected claim number ( XXXX ) that XXXX XXXX XXXX XXXX provided me with after my very first call on XX/XX/22 and then again after the second call on XX/XX/22, when I spoke to a man named XXXX XXXX. XXXX XXXX XXXX XXXX never fixed the claim, billed me incorrectly twice, and then sent it to a collection agency. I find these practices unethical and therefore I reported them to the XXXX XXXX XXXX and to you, the Federal Consumer Affairs Bureau of Consumer Protection. 
As a final note, XXXX, the manager who I spoke to today, on XX/XX/22, stated that he is calling the collection agency and escalating this to his account management team who will, in turn, call my insurance. He assured me that I would not see another incorrect bill or a bill from your collections agency. If I see another bill, I will be seeking legal action. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NJ)

I have a credit report monitoring service through XXXX and noticed a collection item on my credit report with Sequium Assett for {$1500.00} from XX/XX/2021. I know they are pursing a debt for another company, possibly XXXX XXXX XXXX, but I have no idea what this is regarding. I do not have an account with XXXX XXXX XXXX. I already disputed through XXXX, contacted Sequium via email, and contacted the XXXX. If I had any outstanding amounts owed, would they not have sent me a bill/invoice/collection notice via mail. I have received nothing to date.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

I was formerly a resident of XXXX XXXX XXXX XXXX. And I lived in that apartment with my Nephew after my husband divorced me behind my back and moved in with my neighbor downstairs. I actually moved into that apartment on XX/XX/XXXX. On the XXXX XX/XX/XXXX, I communicated to the apartment my intentions to move out of the apartment in 90days. On the XXXX of XXXX I put a call through to the apartment to confirm if my mail was received, they the apartment staff named XXXX told me they couldnt find the mail, so I re-sent the email immediately. The manager responded to me. She put a figure on the letter indicating that if I moved out Ill be charged {$2400.00}. I questioned it immediately because what my lease term indicated was that am liable to pay {$740.00} as my last payment, once I give 90days notice. She the manager XXXX XXXX refused to reply my email and also declined to see me, to talk about the email she sent me. I went to the office again on the XX/XX/XXXX to ask XXXX one the staff why the office keep lying to the other properties agents I applied to that I didnt give them XXXX XXXX XXXX any notice. She apologized to me, and we both went over the issues of how much and she confirmed that am only to pay {$740.00}. So on XXXXi moved and dropped the keys. Immediately I moved they closed my account, so I couldnt even pay online. They went ahead to put a wrong amount of & XXXX. The debt collection Agency contacted me and I replied them in letter wrongly dated because my nephew used XXXX date format. I expected the debt collector agency to write a second letter so I can clarify the error and also agree on resolution. But I think the figure has been predetermined even before I moved. Fortunately, a mail that was important to me was sent to my former apartment, so I went to see if I could get it, and that was how I found out my apartment has already been let out to a new resident in XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have contacted the each credit bureau Experian, XXXX, and XXXX to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. Experian received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX  / XXXX Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}
Consumer complaint received 2021-06-09
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. (CA)

During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (FL)

I submitted documentation to Experian under the debt bondage repair act as I am evicting of human trafficking. I have some accounts on my credit report about directly related to the crimes committed against me. I submitted sufficient documentation under the law. The investigator has been attempting to contact people involved with myself attestation. They have not confirmed any information and will not do so as I have asked them not to. Experian does not have a right contact anyone under the law as it is written for confirmation.. nor am I required to give details of what is happening against. Experian is violating my rights.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

My PayPal account is XXXX and I can not withdraw my money to my bank account for over a month now. There was a dispute about the money I received and the case was won in my favor. I was notified that any hold on this money was removed and I would be able to withdraw them but still nothing! I only get templates from PayPal how their system is caring about everyone and I should wait for some more time etc!
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

HSBC Bank is reporting a late payment on my history. I need some help, I have had this account open since 1995 and have never once been past due. I got covid and thought my husband paid on the bills. He said he did. Please this is devastating as you can see by my credit I care and never once have paid a bill late. Please remove this remark. I care about my credit and my creditors who allow me to have credit.
Consumer complaint received 2021-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Financial Services (NC)

I purchased a car in XXXX which ended up getting taken by the city of XXXX because of red light tickets my then boyfriend had been getting on my car without my knowledge. That account is on my credit, as it should be. Im older now and getting my finances and credit together, so I had a friend go over my credit report where she noticed XXXX has two completely separate delinquent accounts on my credit- the original one that says closed and charged off, and another one that says I made a payment in XXXX ( which never happened ) and that Ive been delinquent on payments since. This is a completely fraudulent account. I called the company and the woman was HORRIBLE to me. She told me its too old and they couldnt do anything, then told me it may be important to me now but its not to them. I said that I didnt understand why she was being so rude to me and she hung up the phone on me. I have never in my life had someone talk to me like that, and to try to belittle me because of this was insane.
Consumer complaint received 2022-10-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance of America Holdings LLC (RI)

Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by XXXX XXXX XXXX. I have no contract with them or their d/b/a XXXX XXXX. I have asked for validation and verification of debt. I have asked for a Request of XXXX per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per Credit Karma it states that my account with XXXX XXXX  XXXX began on XX/XX/XXXX. I don't know how that is possible when it was FINANCE OF AMERICA MORTGAGE. Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX  XXXX. The only one I have a contract with is FINANCE OF AMERICA MORTGAGE. They are not able to produce any wet ink contract between myself and XXXX XXXX  XXXX. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE XXXX.