davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Consumer complaint received 2022-08-26
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Consumer complaint received 2023-03-02
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. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

I tried to revoke the authority of a merchant to charge my credit card. After weeks of trying the merchant will not return my calls. As such I called my credit card ( Wells Fargo ) to tell them to revoke the authorization of the merchant to charge my card. Wells Fargo refused to comply and stated that the merchant can charge what they want even without my authorization.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (ND)

I purchased a slight large amount online for myself. I got a code sent to my phone after checking out and finalizing my order but it got declined. Shortly, received a text my account got flagged for fraud and need to call them. I called citibank right away and stayed on the line over XXXX minutes. In the end, they said they cant verify my account and need to wait XXXX days snail mail for verification code. I have to call them back again for the code. The inconvenient they put customers when they cant use their credit card because they can not verify us is horrendous. Now, we are left hanging and waiting. We got a credit card for a reason.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got letter back stating They do NOT report any bankruptcies to anybody. So if thats the case .How did the credit bureaus verify my bankruptcies as 100 % Accurate they never did a Fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) States ; The term investigative consumer report through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to :15 U.S.C 1681 Section 602 A. States I have right to privacy According to :15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions According to :15 U.S.C 1681 1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2020-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IN)

FRAUDULENT COMPANY/SCAM ALERT!! PLEASE NOTIFY ADDITIONAL REGULATORS - On XX/XX/20 - Paramount Recovery XXXX reported yet another fraudulent account to my credit file - this time a debt that does not belong to me was reported to XXXX  as a " Not Paid '' Account. I have no idea what this is for or for what Company. I do not have any outstanding bills.Additionally, I have not received any letters from this Company nor any information allowing me an opportunity to dispute. I believe this is a scam and an attempt by this Company to collect on a debt that does not exist.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint against Experian Information Solutions Inc. and there is no third part involved. I did not consent nor authorize you, Experian Information Solutions , Inc to report or furnish these inaccurate and misleading items. You are infringing on my right to privacy which you are not privy to do so therefore this is a violation of the privacy act of XXXX. I do not have a contractual obligation with your company therefore you must delete and update these alleged late payments. I do not give you permissible purpose to furnish these late payments and I prohibit you from doing it in the future. The first complaint was ignored, and this is the second attempt. 

Experian Information Solutions , Inc has been sent two notices over 60 days regarding late payments, yet they still remain on the report. I have attached and provided two letters that have been sent along with the two Certified Mail Receipts that are STAMPED for proof that you have received both letters and still have not updated the account. The first letter is stamped and received for XX/XX/XXXX and the second for XX/XX/XXXX. All proof of identification has been provided to you along with a utility bill also showing proper information. Experian Information Solutions Inc. has not provided me with verification method to " verify '' said accounts with exhibits provided or a copy of written consent and written instructions to furnish these fraudulent and inaccurate said accounts. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 USC 1681 ( a ) ( 4 ) and is a violation of 18 USC 1028A. Several laws have been violated which are listed below : 15 USC 1681b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681 SECTION A states I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681i ( a ) : You must complete this reinvestigation within 30 days of the receipt of this letter. 

All proof is attached documenting everything!
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland funding llc is trying to collect over 500 in debt that i have no knowledge of i have not signed any contract with Midland funding llc nor have i entered any contract with them nor any of there affiliates
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

Good Afternoon, My name is XXXX XXXX XXXX and I originally took out student loan in XX/XX/XXXX with Sallie Mae for the amount of {$12000.00}, which is now owned by Navient. Yes, I admit I have put my account on forbearance more than I should have.Well, now I have an amount of {$32000.00} to pay back. Well, I have been a XXXX XXXX XXXX for 27 years, 14 of them being in XXXX XXXX XXXX in Georgia. I filled out the documentation necessary to have {$17000.00} removed from my overall balance. They said it would take 6 weeks to get an answer. I waited for 2-3 months, until I called them to get a reply. The woman on the phone stated that I was accepted into the program where that {$17000.00} was going to be forgiven. The floor manager said they have no record of me calling them, and that person, whoever it was, gave me the wrong information. They say that I AM NOT forgiven the {$17000.00} because the loan was issued before XX/XX/XXXX. That was not told to me until now ... 3 months later of talking to the woman who said I did qualify. The manager, once again, said I should have received a letter from them stating that I was denied of this program ... WHICH I NEVER RECEIVED!!! ... even though, I have been XXXX XXXX XXXX for 27 years and again 14 years in XXXX XXXX XXXX. I am usually not a person who cusses, but I did with this floor manager, and for the first time, I am not sorry for doing it. I NEED HELP PLEASE!! I am a XXXX who supports her XXXX year old mother. Please help me in this matter.
Consumer complaint received 2020-11-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$500.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account.

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-05-08
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. (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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions (FL)

I HAD RECEIVED NOTICE FROM THIS DEBIT COLLECTOR AND I CALLED TO DISPUTE THE ACCOUNT ASKING FOR FURTHER DETAILED INFORMATION. I WAS TOLD I WOULD RECEDIVED A DETAILED EXPLANATION OF THE BILL. I NEVER RECEIVED THE REQUIRED INFORMATION. TSC CHOOSE TO INSTEAD REPORT MY ACCOUNT TO THE CREDIT BUREAU.
Consumer complaint received 2022-10-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

I had already made a dispute with Phoenix Recovery Group and XXXX XXXX I provided proof that The city of XXXX XXXX had paid our rent in the amount of XXXX and it was removed from my credit. But now they have changed the amount to XXXX and it's on my credit report as of XXXX XXXXXXXX XXXX. I believe this is a fraud account and I would like for it to be removed from my credit report for good. I don't owe this company any money at all.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (LA)

On or about XX/XX/2019, my XXXX XXXXXXXX  credit card was offering an interest free balance transfer for XXXX or 24 months. I took advantage of this offer and requested a balance transfer from my Discover Credit Card balance of {$4200.00} to my XXXX XXXX  Credit Card. XXXX  forwarded to Discover a check thru a third party in the amount of {$4200.00}. I have a copy of the cancelled check, email verification from Discover to XXXX  they received this check. Discover indicated when they scanned the check to get the funds transfer from XXXX  their scanner only picked up the XXXX not the total amount of {$4200.00}. So how do you deposit a check and only get partial deposit? Discover has yet to answer this question. 
Regions charged me the full amount of {$4200.00} which I paid off. 
Discover still charged me {$4000.00} and expected me to pay this amount to them. 

I can not find the {$4000.00}, XXXX said it was sent to Discover and Discover said they didnt get it and I need to pay it. I hired an attorney who was only able to go as far as I did. 

These are huge financial institutions and I can not go there and go thru their records. Someone at Discover has the money and they expect me to pay {$8000.00} for a {$4000.00} balance. I have filed complaints with XXXX and XXXX and the BBB. 

My credit report is showing a charge off like I didnt pay this bill which I did!!! Please help. I have been fighting with these banks for 3 years! I need help! I have copies of all these documents.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NY)

My husband and I closed on our condo less than a year ago. One of the requirements of the closing with this mortgage company, was to reserve a years worth of Homeowners Association fees with them. We complied and set aside XXXX. It is listed on our HUD under Association Reserves. This was money that my husband and I had to come up with and hand over to them. The payments areXXXX due quarterly. The first payment was in XX/XX/XXXX. I received a letter and a corresponding phone call from the management company, XXXX XXXX XXXX, that they did not receive the payment. I called the mortgage company and explained to them that they have to pay this fee. It was required by you and money was set aside. After being transferred numerous times to many different departments, they realized they are required to pay this and sent out a check. They assured me that they would clear up the confusion on their end and when the next payment was due not to worry, they would pay it. XX/XX/XXXX rolled around and again the same thing happened. I called them and after more transfers and confusion I explained the setup again and they realized again that they have to pay the HOA for that month. This time I asked the girl if she needs the payment coupons I have so they have an address where to send the payment to and a contact person. She gave me the fax number and I faxed the documents over to them. Both the XX/XX/XXXX payment and the XX/XX/XXXX payment were a month late. I am now in XX/XX/XXXX and again I receive a letter from my management company that the dues were never paid. Again, I call the mortgage company. I am transferred three times, explain the situation three more times and the only response I get is " we will need to research this someone will get back to you. '' They patronized me, cut me off while I was speaking and hung up on me. Meanwhile, my dues are a month late again. I complied with everything they asked me to do. They have all the documents they need from both myself and the closing attorney that clearly states they are responsible for making the HOA payment from reserves set aside for this purpose. They have violated the terms of our escrow agreement and are causing us to be continually delinquent on the HOA dues. We were told the reason they are asking for a years worth of dues up front is so that they can pay them to ensure they are paid on time to avoid a delinquency, which is exactly what is continually happening.
Consumer complaint received 2022-06-16
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. (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Experian for committing identity theft, I have never given Experian any permission to use any of my identifying information. in accordance with the Fair Credit Reporting act 15 U.S.C 1681 section 602 ( a ) ( 4 ) States I have the right to privacy. Accuracy and fairness of credit reporting. 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. They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.