davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (CA)

On XX/XX/XXXX I made a payment of {$280.00} to avant my credit card company. My balance went back down to XXXX. On XX/XX/XXXX I made a payment of {$30.00}. Again my balance went down to XXXX. On XX/XX/XXXX my credit card company made an adjustment of {$280.00} to my balance. When I called them they told me that they dont accept my bank no more and that they return the payment. I contacted my bank and informed them what happened and they told me that no payment was returned to them. I contacted my credit card company and showed them Transactions from my statement showing that I did not receive any refund from them. While talking to My credit card company an Employee informed me that on XX/XX/XXXX my balance will go back down to XXXX. That the problem had been fixed. XX/XX/XXXX Ill check my balance it was at {$280.00} still when I called the credit card company back they told me that I still owe them that money that if I dont make a payment Ill be penalized. When I explain to them what happened I was told again that OK we will put your balance at XXXX on XXXX XXXX. But since then I receive messages and calls from the credit card company telling me I will be penalized if I dont make a payment on XX/XX/XXXX. When I called them today they told me that they would have to investigate it and it would take XXXX to XXXX weeks and that if I dont make a payment in this time I will be penalized. Their mistake has cost me XXXX points in my credit score as well as any chance of possibly getting a home loan at this point in time. I have no issues repaying The {$280.00} as long as they are willing to return it to me. All the documents attached to this complaint are just a show I didnt receive a refund from them
Consumer complaint received 2022-12-02
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. (OH)

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A pe
rson shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate 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 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2021-06-13
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. (GA)

According to 15 U.S. Code 1692, Experian, XXXX, XXXX  and XXXX has been misusing my personal credit information without my consent. I have not signed a contract with neither of these agencies nor have I verbally given permission via phone to allow my records to be released to the public. They are all displaying false information on my report that they are not authorized by LAW to do such. They have deleted certain items and come back and replaced old addresses and accounts that I have disputed indicating that I have no knowledge of or belong to someone else with similar names.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America card was damaged so I called in to order a new card and was told it would be sent but I never received a card. I called the customer service number to find out what happened and report that I did not receive a new card the reps would not tell me anything or do anything to help me. They refused to provide me with my account number or send me a new card and would not give me any answers at all. There is no reason for this and if there was any suspicious activity or something on my account then I should be told. I can verify any of the required information over the phone and I am being discriminated against and have been provided with any reason. 
This bank has recently been court ordered to not freeze accounts base on automatic fraud filters and I believe that this has happened because I tried to apply online to open a savings account and was told that I must go to a bank in person since I failed to answer one of the credit questions correctly by accident. 
There is no requirement that I must visit a bank to inquire about my already open account and debit card. I have a right to my money know what is going on with my accounts and I should have access my account like everyone else by phone, online etc. They refuse to give me any answers or let me verify me identity by phone.This is illegal practice by this bank. I have been left without any funds and no ability to pay for anything.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

The company is Midland Funding XXXX, they are rude & obnoxious. Accusing me of check fraud, they have a lady who calls & says she is from a county office using a bogus XXXX area code cell phone, she doesn't identify the county or office she is with, I tried to call number back but no answer or any other info all she has is a case number & XXXX number for Midland. When I called the XXXX number I was threatened with legal action, accused of being a thief. The lady called a second time & left me a voice mail threatening to harass me at my employer. I am not sure what this loan is, but when I called they said well you only owe XXXX & if you don't pay it we will sue you for 5 times this amount. I told the man on the phone that I have had identity theft & I can prove that my information has been used illegally, he basically told me I was lying. I told him if he was legit he would be familiar with the protocol in this situation. He got really mad at me & told me they would hire an attorney & sue me.
Consumer complaint received 2019-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (TN)

Spoke with my Mortgage Servicer today and I was informed I have a foreclosure property sale date set for XX/XX/2019. I have not received mail from my mortgage company or the foreclosure attorney. Home Point still has the wrong mail address for my mail address of which is my home address. I recently submitted financials and request for mortgage assistance and I have not received any mail from the mortgage company. I requested several times for the last year and a half to please correct my mail address.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (UT)

The debt collection agency keeps sending me repeated emails but will not send me a notice or validation by mail which I've requested several times. I've also asked them not to contact me via email but they still do so. Halstead Financial is the company and I need them to cease this activity immediately.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

XXXX XXXX, XXXX I received an invoice from ONline IS, a collection agency, stating I owed {$750.00} for an emergency room visit on XX/XX/XXXX at XXXX, XXXX XXXX XXXX in XXXX, TX. I called the number provided and spoke to a young man. I didn't get his name. I told him I believe this invoice is in error, because I have never been to Texas and I was not in Texas on that date. He said he would file paperwork for validation and send it out to me. I received the letter on XX/XX/XXXX with the " validation. '' The type is extremely small and really doesn't have any personal information on it other than a name that is the same as mine and the same birthdate. Under address, it states " BAD. '' Oh yeah, and my XXXX. Mind you, this is at the height of COVID. How many people went through that hospital ER? Not me. I was home, in another state. The paper they received as validation '' shows that the original charge was {$750.00} on XX/XX/XXXX there was a " Discounted Selfpay '' ( XXXX ) of {$400.00}. So the " new balance is {$350.00}. So, their initial invoice to me for {$750.00} was " incorrect '' I called this agency again ( XX/XX/XXXX ) and spoke to XXXX, Assistant MGR of ONline IS and told her that this isn't me. I haven't been to Texas. I asked her where they come up with my address and she said that " we had your name, birthdate and State and that's all we need to start this process. '' They didn't have my phone/cell too... until I called. The don't have my maiden name, my insurance information, my ethnicity, my ssn, my spouses name, etc. They went fishing and caught me, an honest person. I called XXXX, XXXX XXXX XXXX in Texas and spoke to XXXX, in the Business office and told her what was happening. She looked up the info, my name and date, and she this info was in the system, but there was a {$0.00} that was due. She also said they did not have any of the information I listed above ssn, ins, etc. She said that they don't use outside collections only in house ( CLRA ) and she has never heard of ONline IS but did say that the ER acts like a separate entity and wasn't sure how they operated ( no pun intended ). I was not provided an itemized bill. I do not have the number of XXXX XXXX XXXX, MD ( SXXXX XXXX XXXX XXXX  ) who was the doctor who worked in the ER of XXXX XXXX XXXX XXXX XXXX with the person that has my name and same birthdate. I have never received any type of correspondence from this office or this doctor. There is a patient ID on the print out. I am NOT this person. I did not go to the state of Texas during that time or anytime for that matter.I have filed a report with FTC and my local police. My local police responded and said DO NOT take any phone calls or provide them any further personal information. Which I won't but I am worried that they will attack my credit.
Consumer complaint received 2022-10-09
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)

I make a call to these companies because personal information is on my consumer report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Consumer complaint received 2021-10-28
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. (MO)

XXXX IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.
Consumer complaint received 2021-10-29
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (PA)

On XXXX I was contacted by a Male who said he was from transworld system about a debt. I told him that I spoke to a lady yesterday or the day before and advised to stop calling me and that they can verify this debt via mail to the address on file. I told him this several times and he continuously talked over me and basically was arguing with me about it. I continuously told him to stop calling me, send this in the mail, or I will file a complaint. I have no idea if this call is truly from who they say they are or if someone is trying obtain information.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

On my XXXX Credit Report : XXXX XXXX XXXX has three ( 3 )  accounts listed as closed : Negative, XX/XX/XXXX, Paid, XX/XX/XXXX, Negative, XX/XX/XXXX. I have an account in collections listed as XXXX XXXX XXXX listing XXXX XXXX XXXX as the original creditor with an Open Date of XX/XX/XXXX and a balance of {$6900.00}. This is an old account, can not be verified and needs to be removed. 
XXXX XXXX XXXX Shows an account in collections for {$2500.00} that was opened on XX/XX/XXXX with an original Creditor of XXXX XXXX XXXX. I lived in those apartments over 6 years ago and was completely unaware of any debt, this needs to be verified. 
XXXX XXXX XXXX . is listed for collections with an original creditor of XXXX XXXX XXXX  XXXX XXXX. for {$1000.00} with an open date of XX/XX/XXXX. I have no collections with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX listed as a closed account in XX/XX/XXXX XXXX
Consumer complaint received 2021-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (IN)

I was contacted by MBA law offices about an apparent health care bill that had already been closed out. I spoke with someone who continued to interrupt me when I inquired about the debts and they were quite aggressive. That said, I confirmed with the hosptial where the visit occurred who assured me that the debt / bill I had was paid in full. This is something I had confirmed prior and thankfully have the data ( i.e. banks statements ) to back this.
Consumer complaint received 2021-10-29
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. (NJ)

I have reached out to Equifax and XXXX XXXX about account XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

Equifax nor XXXX has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to Equifax and XXXX, ( Please see the current Federal Trade Commission Affidavit. Please attach it to XXXX as well. I added it because I forgot to add XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # XXXX. )
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with TARGET/TD with the account XXXX. The current status should not be showing late because I think I paid on time. This just proves that XXXX Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise fix these accounts immediately. CORRECT THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2022-10-11
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/XXXX Amerihome debited my escrow account to pay my property insurance to XXXX XXXX XXXX. According to XXXX is was not received and they lapsed my policy in XXXX. I had contacted both companies and they said it was being processed. In XXXX XXXX stated the check was returned for insufficient information and they extended my insurance. It lapsed again for nonpayment in XX/XX/XXXX which I then paid for out of my pocket. On XX/XX/XXXX my loan was transferred to XXXX XXXX. The balance of the loan and escrow were transferred but Amerihome never credited the amount debited in XX/XX/XXXX from the account. In XX/XX/XXXX XXXX XXXX paid my home insurance from my escrow account ( now paid 3 times : XX/XX/XXXX by Amerihome, XX/XX/XXXX by Me, XX/XX/XXXX by XXXX XXXX  ). I was credited my payment from XXXX but was never credited back the amount debited from my escrow account in XX/XX/XXXX 2021
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX an acquaintance said he would send me XXXX dollars from his bank to mine and to send the money to him through his XXXX. I received the money and sent said money to his account. Today on XX/XX/XXXX I received a XXXX dispute for {$450.00} leaving my account at $ XXXX. After calling chase they said they could not do anything due to me sending away a fraudulent amount that I had no idea was fraudulent they said they couldnt do anything and that I would owe XXXX
Consumer complaint received 2023-08-10
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: CBC Companies, Inc. (MI)

Incorrect accounts continue to appear on my consumer report. 

XXXX. XXXX XXXX XXXX ACCT # ENDING XXXX listed as disharged through XXXX XXXX XXXX This is inaccurate due to the fact that I dont have a XXXX XXXX  on my consumer report. 

XXXX. XXXX XXXX XXXXXXXX ACCT # ending XXXX disharged through XXXX XXXX XXXX This is inaccurate due to the fact that I dont have a XXXX XXXX on my consumer report. 

Please provide me with proof of your investigation that you have verified these accounts accurately.