davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consolidated Information Services Solutions, LLC (MI)

They call my number, and ask for me. When I ask who is calling they say it is about a personal matter. They do not answer who they are. They proceed to ask me for personal information ( address, date of birth ) while refusing to say who they are or why they are calling me. I told them to send a letter to the address on file and never call me again. They continue to call me. 

When I dial the number back I get a company called Universal Credit Services. To my knowledge I have no outstanding debts.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC (OH)

Ive been struggling with all 3 credit bureaus on My legal name change and now this Account problem all 3 of my Accounts have a Listed Account XXXX XXXX that has been charged off 4 years ago and Spring Oaks LLC is listed on my Credit Report also. Same Debt Duplicate Debt listed Ive contacted XXXX they will not remove it. Spring Oaks LLC states that they bought the debt from XXXX  XXXX.who purchased the Debt from XXXX This is Destroying my Credit the FCRA states this is illegal please delete both accounts for Violation of The FCRA
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (MS)

I contacted the agency regarding a medical bill but I was advised at the time I did not have a bill and now years later I noticed I have a collection on my account. According to Fair Credit Reporting Act Congressional findings and statement of purpose [ 15 USC 1681 ] section XXXX accuracy and fairness credit reporting and violations can detrimentally affect my credit score and privacy. Unauthorized pulls of my credit report, constituting privacy violations, disregarding FCRA mandates for reporting accurate credit information by furnishes.
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed an erroneous account ( XXXX XXXX XXXX ) on my Transunion Credit Report on XX/XX/2021. Transunion received my dispute, and to date ( XX/XX/2021 ) transunion has not responded to my request for this incorrect account to be deleted. From my understanding, by law, XXXX XXXX XXXX have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (GA)

I XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thanks for your help with this matter
Consumer complaint received 2016-01-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I have been advising my family and friends to obtain their annual credit reports and I have noticed that Equifax appears to routinely asks obscure or difficult questions in the challenge questions prior to obtaining the online credit reporting with the result that many of my friends and family are refused the online credit report and a must print out and mail a form with complicated identity forms required. This is a discouragement approach to minimize online credit reports provided to citizens. 

They also do not provide " Credit Scores '', which must be purchased separately. The annual reports should contain any and all information reported on citizens provided to others, period.
Consumer complaint received 2018-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called TransUnion and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Consumer complaint received 2022-05-18
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: BARCLAYS BANK DELAWARE (FL)

I tried to purchase a pair of sneakers on line from a company ( billed as XXXX ) for {$85.00} on XX/XX/22. I was notified that the sneakers were out of stock on XX/XX/22 by email. I responded to the email that I would not be interested in another pair of sneakers, and directed the merchant to issue a credit. They responded on XX/XX/22, that they would issue the credit within 7-30 days. Although this seemed long, I waited for the credit and on XX/XX/22, I contacted Barclays Bank. Their customer service has been awful, and this should be easily rectified. After receiving no help on the phone, I filed a dispute of this charge for {$85.00} on their website. I have followed up with multiple calls, and I keep getting various answers. I do not want to pay the {$85.00}, but although they have gone back and forth with me multiple times, telling me that I would have to pay, and other representatives telling me that I would not have to pay. Over the course of 30 plus years of dealing with different credit card companies, once a dispute is files, the charge should come off once the dispute is file, and until it is resolved. I have been told that someone would be reaching out to help resolve this dispute, and no one has reached out, and I am concerned that no one will investigate the integrity of the dispute. 
I also said that i want to cancel this card as the customer service has been awful, and even offered to pay the {$85.00}, and receive a check once the dispute has been resolved, but to no avail. Also, the rep said that I could not speak to a supervisor, as they were busy.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed the following account name : XXXX XXXX  account # # # # # # XXXX with EQUIFAX on XX/XX/XXXX and the inaccurate information that violates the FCRA LAW and my RIGHTS is still being reported on my credit report when I pulled it today XX/XX/XXXX its reflecting obvious incorrect information such as the same account is listed 2x my credit report with the same account number but shows different Date Assigned one shows Date assigned as XX/XX/XXXX and the other shows Date assigned XX/XX/XXXX also Status Date are different for the same account listed 2x on my credit one shows Status Date : XX/XX/XXXX the other shows Status Date : XX/XX/XXXX in addition to that Balance Date shows differently as well one shows Balance Date : XX/XX/XXXX the shows Balance Date : XX/XX/XXXX also balance owed is incorrect. I have attached a copy of the credit report where I highlighted the numerous errors on my report and would like both of these inaccurate duplicate accounts removed and deleted from my account based on the FCRA Law and 15 USC 1681 e ( B ) Accuracy Of Report, 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information, 15 USC 1681 ( 5 ) Treatment Of Inaccurate or Unverifiable Information
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband XXXX XXXX XXXX XXXX held the Mortgage note : property address XXXX XXXX, XXXX XXXX XXXX. XXXX with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on XX/XX/XXXX. ( divorce index XXXX ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of XXXX District of XXXX in XX/XX/XXXX and was granted the approval allowing me to assume the mortgage note however, my name still does not appear on the mortgage statement as of date. ( case XXXX ) Adding insult to injury, through the United States Postal Services , XXXX had my mortgage statement ordered by U.S bankruptcy for which I 've been paying for over nine years by myself redirected to his house in XXXX . ( Please see at attachment ) My FICO score has suffered tremendously. I 've made all possible attempts through the courts to regain my statue creditably.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 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 seven years.

15 U.S.C. 16815-2 ( AN1 ) 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 the information is inaccurate.
Consumer complaint received 2019-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted and called Transunion many times such as on XX/XX/2018 and to dispute a credit inquiry and/or unauthorized and inaccurate information on my Transunion credit report that is shown in the attached file under CFPB record number XXXX.So any  answer to this complaint with instructing me to go ahead and dispute directly with Transunion is a joke since I already tried that and therefore no excuse using that way of answering a complaint should be the answer to this complaint and here what you did. Transunion refused to intitiate my dispute and/or refused to investigate the above referenced unauthorized information that Transunion chose to keep on my Transunion file against my will and in violation of the FCRA and applicable Virginia state law and and/or regulations. Transunion also made it impossible to dispute that online. There is no way I could disputed that online since my ability to do so is impeded by Transunions restrictions posed on my person to impede my ability to use the online dispute service which is a shameful unethical business behavior. Transunion retaliatory and unlawful actions against me continues after filing before complaint with the CFPB about Transunions violations toward my person. Transunion refused recklessly to allow me to dispute and it is recorded and privileged. Transunion refused recklessly to look into the issue and insisted instead to maintain innacaurte harmuful information in my records kept with this bureau. Transunion retaliated against me by denying my rights asserted under applicable law and regulations. Transunion must comply to the law. I demand from Transunion pursuant to the freedom of information act and/or privacy act to justify in writing why the disputed information that is shown in the attached file should remain as incorrect as it is now without my consent and against my will and in violation of the FCRA and my privacy. I am so tired of coming to this platform over and over to seek protection from Transunions unexplained aggressions and violations of many of rights as indicated herein and elsewhere and no my contistutioal right to peace is under imminent attacks and violated by Transunion. Transunion involved staff or individuals please have a life and let me along in peace or face justice. Exhausted all friendly initiative to resolve this issue caused and maintained by Transunion in violation of applicable law and/or regulations. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of america let the XXXX XXXX XXXX XXXX over draw my account when the casino hotel didn't even have a hold on the funds I did not approve the transaction the hotel clams I ruined a couch and carpet but i didn't my jaded ex worked there but the point is i called bank of America 's XXXX number daily and was finally told rudely I shouldn't have messed up the room which is irrelevant because they didn't put a hold my card when I checked into the hotel and I overdrafted my prepaid Bank of America unemployment card {$1300.00} and wasn't able to get my unemployment check for over 2 months paying that money back
Consumer complaint received 2022-10-13
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; CB XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (MI)

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
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 2019-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (VA)

A debt recovery was reported on my credit report XX/XX/2019. 
The recovery company is AD Astra RecoveryServ XXXX. For XXXX XXXX I do not know anything about this debt nor does my husband. 

I want this removed from my credit report please.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

There are so many reports concerning this organization and this issue that it makes your agency appear to be impotent and incapable of doing anything at all. Quite frankly a quick read, rite and file! Dispute Result- XXXX XX/XX/2019 Member IDXXXX. This is a major impact to us financially I and my wife. Although attempting through letter and On Line Multiple times- telephone and fax we can not get through via any medium they provide. Wrong numbers, Emails that do not work and Computer access that fails and the reports remain incorrect. While negatives are reported immediately and even if wrong it takes months to remove or repair [ as this report is witness to ] Their safety valve of they only report contact the creditors is confirmed within this report by the fact the creditors do not respond quickly and have no need to. The fact they never respond to the inquiry of offshore processing of citizen information is of itself a confirmation of who they are and your lack of concern and or ability to act is of itself and by a opinion a great charade. Balances when wrong reported immediately while latest balances take months an paid accounts even longer. The attempt by opinion to deliberate keep us indentured producing less than favorable credit scores and higher interest rates. The so called security free a farce and lie by their own words. Do we expect anything from your organization- NO- " you shall know them by their fruits '' and the both of you and the others who called themselves reporting agencies or Consumer Protection mere labels. If this any honor or credibility please have the reports updated correctly or develop legislation to inhibit slow response by the creditor and non immediate updates so the reports are maintained real time! So much for the good the decent and the honorable!
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

I am XXXX XXXX, a federally protected consumer and I am submitting this complaint against Caine & Weiner Company regarding an account that they purchased from XXXX. I am writing this complaint before this alleged debt finds itself illegally being placed on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Caine & Weiner Company any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. I can admit that I have never validated this alleged debt with XXXX XXXX and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a trilateral contract between, XXXX, CAINE & WEINER COMPANY, and myself, giving Caine and Weiner Company any right to collect on this alleged debt. It is my belief that Caine & Weiner Company is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.