davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The debt shows dispute resolved and {$0.00} due and and account not disputed - their information is not consistent. Who really handles the records to clear the issue? 

XXXX XXXX XXXX/Chargeoff {$780.00} Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Dispute resolved ; customer disagrees
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish a 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 XXXX 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 2022-05-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, XXXX XXXX XXXX, supposedly acting on behalf of HSBC Bank, Nevada, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both XXXX and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
Consumer complaint received 2021-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

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

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance : {$1700.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-11-10
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: National Credit Adjusters, LLC (TX)

On XX/XX/2019, National Credit Adjusters , LLC ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Sent an international wire transfer from XXXX XXXX XXXX ( Sequence # XXXX ) for {$100000.00} ( QRN # XXXX ( transaction number ) ) to an account ( XXXX ) at XXXX XXXX XXXX, using XXXX XXXX XXXX XXXX XXXX as the intermediary. The recepient account company name has since changed ( XXXX, now XXXX ), even though they still regularly receive payment using the previous name. The transfer agent told receiving company representative that the wire would be returned so it could be re-submitted with new name. They used JP Morgan as the intermediary bank on the return wire ( XXXX case number ). 

Both XXXX XXXX XXXX and XXXX XXXX XXXX say that there is nothing they can do to trace the return wire, as it's stuck with JP Morgan. As the intermediary bank, neither the sender nor the recipient is a JP Morgan customer, and each bank is pointing at another.
Consumer complaint received 2023-03-17
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: Spring Oaks Capital, LLC (TX)

The collection agency XXXX XXXX XXXX has yet to discontinue furnishing inaccurate data to XXXX. I have never had an obligation to pay this company anything. My credit report has a comment acknowledging that this account was disputed but I have yet to receive any validation of this account that they are reporting. I am unaware of having a balance with the original creditor. The only account I've had with the original creditor is not the balance that is reporting on my credit report therefore I am asking for proof of this account or remove this immediately before I am forced to take legal action. I was involved in a data breach which I will attach to this complaint, so it is very possible that my information was compromised. Send me a copy of my ssn, photo id, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, contract bearing my personal signature -License proof to collect debts in my state and provide me of the amount of which the debt was purchased-Per the CFPB, I have this right as a consumer. If you can not provide ALL of the listed proof of validation then delete this account immediately.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including experian, XXXX  and XXXX. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX that was applied for as well, the problem here is im a man why would i need a XXXX XXXX  card for? I have several disputes that just do not get taken care of too.
Consumer complaint received 2021-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX : DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

I had a monthly payment of {$45.00} due to income based repayment. When I was close to graduation the company changed the payment to {$1500.00} a month. I had applied for income based repayment but they had not processed the paperwork. I sent the paperwork in XX/XX/XXXX. They did not inform me the paperwork was not received until XX/XX/XXXX. My payment went from {$1500.00} to {$21.00} for 2 months, then it was put in forbearance. In addition, they consolidated some of my loans but not others. I was told all loans would be consolidated to correct the company 's error in XX/XX/XXXX. I started to receive a $ XXXX monthly bill for one loan in XX/XX/XXXX. I received a {$310.00} bill for a different loan in XX/XX/XXXX. You write and you are told that department can not help you. You call and you wait on hold for 45 minutes to be hung up on. If you do not talk to the same person, you do not get the same information. There are no records of anything and there is no explanation as to why a payment would increase to 10 times what you paid before when your income did not increase.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OK)

TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
Consumer complaint received 2020-12-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (WA)

I'n XX/XX/2020, private student loans went out of forbearance. I am currently enrolled at XXXX XXXX University but I was on a break due to Covid and went back effective XX/XX/2020. I have been working with Wells Fargo to get my enrollment updated to them so my student loans could go back in forbearance, but in the meantime would make payments to ensure my credit would not be negatively affected. I was receiving many calls regarding my loan after making a payment in XX/XX/2020, but on XX/XX/2020 after receiving another call the Wells Fargo Rep removed my number since I told them all of their calls seemed to me like harassment. The Rep never asked if they could remove it but did it on their own. After making a payment in XXXX with my new address, Wells Fargo never updated my account to reflect the new address. I assumed since I am in school my loans went back in forbearance as I never heard back from Wells Fargo regarding my accounts for the entire month of XXXX. Instead, on XX/XX/2020 I received an email from Wells Fargo asking for me to contact them regarding my account. When I called on XX/XX/2020, the Rep informed me they tried sending me a letter to a bad address and removed my phone number. I was also made aware my account was over 30 days past due and it was reported to the credit bureaus showing over 30 days past due. I've been told my many Reps but after specialist, XXXX ( Case # XXXX ), reviewed my case she yes they made the error to remove good contact information and didn't update my address to match my updated billing information since it's not their job to do such. This situation is an Unfair, Deceptive, and Abusive acts and Practices due to the nature of events. If known my account was subject to negative credit report, I would have brought the account under 30 days past due, but the fact my phone was removed out of my account without my permission and only an email sent to me after reporting the accounts past due Wells Fargo is deceptively playing unfair to peoples lives and credit. I believe this error is Wells Fargo 's fault and I should be allowed to bring my account current and have Wells Fargo update and remove the negative credit remark off my credit report.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.
Consumer complaint received 2022-05-13
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. (OH)

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX  - Account Number XXXX XXXX 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 2022-05-13
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. (OH)

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number 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 reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have several accounts that don't belong to me. XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX  Open Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2022-05-13
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. (IL)

in accordance with the Fair Credit Reporting act convergent outsourcing account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I requested the validation of debt with ARS. I recently received a letter back stating that they contacted their client and they verified the debt. And at the middle part of the letter, they listed out the debt, provider, amount of the bill and the date ( which clearly shows that the debt is out of the statute of limitations to collect. 
The does state that they will continue to report as delinquent on my credit report. The funny thing about this debt, Is I don't know any more about this debt and this collection company re-age it, so it looks like a brand new collection on my credit report!
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (FL)

On XX/XX/2023 at about XXXX I called RentDebt Automated Collections to settle my rental debt with them and spoke to one of their representatives. I asked her two times if by me paying this debt or settling it would it be removed from my credit report. The representative said yes and I quote " You will be able to apply at a new apartment complex ''. On XX/XX/2023 I applied at an apartment complex because my credit reports updated and it stated the collection was paid and closed. The very next day I got an email saying I was denied because I have a collection from an apartment complex so I called RDAC again and spoke to someone else and they said that they don't remove anything and that they have no record of my previous call just the payment. Now I lost out on {$90.00} applying somewhere new and with no hope of getting the collection removed. They are telling people yes it will be to pay the settlement to then say they don't delete it stays on for 7 years.