davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted Experian by certified mail on XX/XX/XXXX, and XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my correct address, and name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct address and name with this complaint. Upon viewing my report I noticed incorrect addresses on my report XXXX XXXX XXXX XXXX, TX XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have made 2 written requests to have the inaccurate addresses removed. Experian has not removed them or provided a reason why they were not removed. The only reply I received stated that Experian stores information provided by credit grantors or public information sources. The response is very vague and provide no valid reason why they have not updated my file with the correct information I provided. Also there are incorrect names listed on the report also. I have never gone by or been known as XXXX XXXX or XXXX XXXX XXXX XXXX Or any variation of my legal name. I suspect Experian is using these incorrect names and addresses to justify reporting incorrect debt on my credit report. They are stating XXXX XXXX and XXXX XXXX have been " verified '' But I have received documentation from XXXX XXXX and the personal information does not match my correct identification. However the address and the names do match the incorrect address and name being reported by Experian. I have attach a copy of the personal information page from the report I received highlighting Experian 's response as well as the incorrect personal info. I go by XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX # XXXX XXXX, TX XXXX I have provided proof of that to Experian as well as attached it to this complaint.
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (FL)

The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency. I understand that the debt has been removed from my collection but during the time it was on my credit report it caused me financial damages over {$500.00} I am seeking for the debit collection agency to pay for the damages it had caused.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX Balance:XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX XXXX Balance:XXXX I went to the XXXX XXXX  XXXX business hall and talked to the customer service manager. I called the service staff of the XXXX   XXXX XXXX security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the XXXX XXXX XXXX of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$2.00} XXXX and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of XXXX XXXX XXXX, the lack of correct verification information and the closure of my credit card account.
Consumer complaint received 2022-11-05
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. (TX)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian and XXXX is governed by 15 USC 1681 and they violated my rights numerous of times, and the accounts listed below should be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Experian or XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-11-05
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 XXXX Account # 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 2023-03-31
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)

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. 

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 All have 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 1681s-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 the information is inaccurate.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-31
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

This account has been paid to a XXXX balance. 


COMPASS BK Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Consumer complaint received 2021-02-15
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2018, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

I used XXXX XXXX for awhile, and it was a bundle for TV and Internet. The TV worked ok, but the internet was a total failure. After multiple service calls, each time, their technicians stated that the company 's cable in the street was old and worn out, unable to provide reliable internet. They also stated that the company is not willing to repair or replace the cables due to the expense. I cancelled both TV and the internet, since it was a bundle deal. They claimed I owed them a cancellation fee for internet they were unable to provide. I disputed the claim in writing, stated all the facts, and they continued to want a fee. 

They used a collection agency, and I disputed the debt with the credit agency, XXXX. XXXX found in my favor and removed the debt from my record. A short time later, the collection popped up again, this time under the name of a different company, AFNI. I disputed it again, and XXXX again, within a few minutes, found in my favor. 

I still get calls from AFNI, under different phone numbers. It seems that whenever XXXX is on the wrong side of a dispute, they just file a new credit collection under another name, trying to harass people into paying what they do not owe. 

XXXX breached the contract by failing to provide the service they promised, yet still think they can harass people to what they do not owe.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. XXXX and Equifax are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (AL)

I cosigned a lease for a now ex-girlfriend named XXXX at the XXXX XXXX XXXX in XXXX, Alabama in XXXX of XXXX, because they rented based on income and hers alone was not enough. It was made clear that I was only signing to allow them to rent the apartment to her and I would not be assisting financially nor living there. In XXXX of the same year, I called and asked the apartment manager if I could be removed from the lease without it affecting XXXX. She said yes and to come sign the Roommate Release forms and relinquish my key to the apartment. I went there immediately, signed the paperwork and handed over my key. I do not know how much longer XXXX continued to live there but I was told that I was no longer responsible for nor allowed access to the apartment upon signing the paperwork. 

On XX/XX/XXXX of XXXX I received a letter from a company called RentDebt that said I owed {$970.00} to the apartment complex. I emailed them immediately and told them practically what I stated above, the debt was not mine, and gave them all information I had so they could track down XXXX. 

On XX/XX/XXXX they called me trying to collect. I told them I had already emailed them, the debt was not mine, and I would not be paying it and they hung up. 

On XX/XX/XXXX they filed the collection on my credit report. I immediately disputed it on XXXX 's site and when it appeared on my XXXX report a few days ago I disputed it thru XXXX. 

The same day I also left a review on the XXXX XXXX 's XXXX page about the situation. On XX/XX/XXXX, the apartment manager sent me a private message stating " Someone else was handling the accounts that had balances. I do believe I recall doing the roommate release. I will check on this and get back with you. '' I haven't heard from her again. 

Someone else contacted me about it, stating they too were in the exact same situation, having signed a roommate release and were being hit with a collection even greater than mine.
Consumer complaint received 2019-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC (TX)

On XX/XX/XXXX I received a notice from The Business Services Division, and Secretary of State XXXX XXXX from the State of Tennessee in XXXX. In reference of Harpeth Financial Services/LLC DBA Advance Financial, of a court summon for a lawsuit in the amount of {$990.00} plus court cost and private process server fees. My court date is scheduled for XX/XX/XXXX. I was clearly a victim of predatorial lending, and this debt was a result of predatory lending. I was told to just e-sign my signatures on a tablet and was misinformed about the terms and never told about interest rates.I think this debt is about 3 or 4 years old, and I just recently filed for chapter XXXX bankruptcy this year. I was unaware of this debt when I filed for bankruptcy it was never on my credit report. If I can recall I only received maybe {$150.00} to {$200.00} from this company. Thank you
Consumer complaint received 2019-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

This correspondence should be included and attached to the ongoing complaint. 

Per XXXX letter attached from XXXX XXXX this happened. 

United Wholesale Mortgage analized my escrow account, refunded an overage and then increased my monthly payment. Is this correct?
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. Transunion and XXXX are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report
Consumer complaint received 2019-10-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Technical Institute (CA)

Hi, I am filing a complaint against XXXX XXXX. This debt collection company was hired by Universal Technical Institute to claim a debt that was owed as a result of a private loan to attend school. I have communicated with UTI you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, XXXX XXXX, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company. 

This is the website of XXXX XXXX and the number they provided. 
XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Dear Mr. / Ms , the object of my complaint is the fraud department and customer service department of Citibank. After I opened my company account at the XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ca,XXXX, citiXXXX XXXX XXXXn XXXX, my account was frozen. 
After the certificate I provided and their review, it was confirmed that there was nothing wrong with my account and they agreed to unlock my account. 
But to this day, I still can't withdraw money from my account. 
They always have a lot of reasons to tease me. The customer service department asked me to go to the branch to withdraw money, but when I got to the branch, they asked me to call the customer service staff. 
Their two departments, including the branches, have been passing the buck back and forth and refused to give me back my money. 
I have to talk to them on the phone for two hours every day. 
I ask you to help me with this problem. Please, I need this money to live. 
Thank you very much.