davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. (PA)

I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report. XXXX and XXXX had removed the XXXX ONEWALL account and I am requesting that you also remove
Consumer complaint received 2016-03-18
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Udren Law Offices, P.C. (NJ)

I have contacted the Udren Law Offices three times with no reply. They are proceeding with a foreclosure action in which I have not personally been served. I would like to bring this mortgage current but they will not return my calls. Unfortunately because of the lack of response from Udren, I am sure they are racking up fees to be charged to me. I do not see why I should be responsible for additional fees. Also, because of this situation I do not want to go into foreclosure. I obtained the services of a law firm of which there is no reason I had to do, but Udren does not return my law firms phone calls or correspondence either. I think Udren should be responsible for any attorney costs that I will incur because of their lack of response.
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (AR)

XX/XX/23 I submitted a dispute for Ashro company {$430.00} which close my account and sold the loan. I asked them to update my information by taking this info off because loan no longer belong to this company. They reported back to me that I couldnt disputed it again and it wouldnt be removed.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

Have spoken to all 3 CB to have these inquiries removed *Vanderbilt MTG Finance XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to Vanderbilt on XX/XX/XXXX and Vanderbilt has sent nothing back to validate the inquiry. These inquiries were done without my permission.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2022-04-09
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AIH Receivables Management Inc. (KS)

I received a call about an apparent medical debt my wife owed. The person stated that he called my wife and after talking to her she was rude and hung up. ( He never spoke to my wife ) He tried to get me to pay a debt that we are not even aware of and told me i need to get a hold of her and tell her to pay it. I got off the phone with him and called my wife and she said that she doesnt know of the debt and never spoke to anyone. I told her to call them. When she did she said the guy answered and was rude to her and speaking to her as if she was a criminal. SHe got mad at him and he told her to XXXX XXXX and hung up on her. Then the ( HE ) debt collector called my place of employment to verify where i work. I answered the phone and told him to never call my place of business again. Then my wife and I both called AIH receivable to find out if this is where he was calling from ( We looked up the number he called from to find out because he never said who he was with ) and he was rude again telling us to pay our debt. We asked to immediately speak to a manager and only got a voicemail.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am making this complaint because Experian has violated my consumer rights. and i need the laws and rules to be enforced I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

Equifax is giving false and inaccurate reports on me. I have continuously made complaints with proof to Equifax false reports that are causing me Financial harm and creditability. They are taking another person with a similar name to mine and applying it to my social security in part. They have me living as my current address at XXXX XXXX XXXX , XXXX, XXXX. I sold that home in 2006 and have lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. They also show my residences during that period XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ... all false. I am a Veteran and use the VA medical facilities in XXXX XXXX for my follow up from my XXXX. I had an emergency and was admitted to XXXX XXXX in XXXX XXXX. The hospital was specifically instructed to send all bills to the VA for payment. The hospital ignored my request and went to Medicare without my permission. So did the other medical bills as instructed by XXXX XXXX.The Hospital received payment from Medicare but not the others for payment. If they went to the VA, all would have been paid in full as I instructed. XXXX Government agencies will not pay in part for the same procedures. I physically went to the Hospital to complain and was ignored about refunding the amount they received from Medicare so everyone including them would receive full payment. These charges to Medicare were unauthorized and in part returned which I am being hounded for. I complained to Medicare to no avail and can not be responsible for these unlawful charges made by XXXX XXXX and vendors.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to reach out to a TransUnion representative. When I spoke with them via Phone I explained that I have been a Victim of their Inquiry issue. Explaining to them that those inquiries on my report weren't accurate. Below are the inquiries that I was trying to get removed from my credit report. 

1 ) XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 5 ) XXXX inquiry from XXXX XXXX XXXX ) XXXX inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I opened a claim with Bank Of America and they honored the claim and gave me my money for the short 3 months until they took the money again. I filed a claim 4x they kept getting reopened and closed. All the proof I provided is below and exactly what I sent to Bank Of America and they denied it because they claim my IP address is consistent with the use of the account for all i know somebody in my home could've ordered it without me knowing. I've tried to be friendly with Bank Of America, but they've pushed me further to do this. This also it's the the first time and incident like this has happened. The amount taken from me was {$1200.00} and I did not authorize it to be taken on that specific transaction. I shipped back the items to XXXX then they close my account for return abuse even though I rarely return items to XXXX so now my bank is siding with them which is absurd.
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Venmo and XXXX have a collaboration to allow customers to send payments using their XXXX Send account. 

I have had issues using this service since XX/XX/2021 and was unsuccessful in sending a payment to another Venmo account. 

Regardless of who the payment was being sent to I still received an email from Venmo stating that the transition was cancelled and being returned. but the problem is that the funds were not returned to XXXX which is the payment funding resource. 

That is fine that the transaction was cancelled but the financial issue that has caused financial harm is that funds were not returned to the original payment source. 

The payment of {$1100.00} was not returned to XXXX and the funds are frozen in the account. 

I am not sending the funds to my personal bank account because the purpose of the transaction is to fund an Art project through a business account and I need the proper documentation and a track record of receipts. 

If the transaction was cancelled by Venmo then the funds need to be returned to XXXX the original funding source. 

I received an email stating that the account was frozen and to upload my identity. I already uploaded my identity. Venmo successfully verified my identity but then froze the Venmo account a second time even though I already uploaded a picture of my identification. 

The funds are still not returned to XXXX. 

I have contacted Venmo and chatted with customer service and customer service is asking me to submit a copy of my bank account to unfreeze my account even though I did not use my bank account to make the {$1100.00} Venmo transaction. 

I am not sending the funds to my personal business account because that defeats the purpose of using the XXXX SEND product for the Venmo transaction. 

The bottom line is that the transaction of {$1100.00} that was cancelled by Venmo needs to be returned to XXXX SEND ASAP!
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. NATIONAL CREDIT ADJUST Original creditor : XXXX XXXX XXXX XXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ) .Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. I contacted the original creditor and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 3 days.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (WI)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE : XX/XX/2022 30 DAY DEMAND DATE : XX/XX/2022
Consumer complaint received 2021-12-11
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. (NC)

i was the victim of identity theft and i filed an identity theft report. this message is for transunion and XXXX. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.
Consumer complaint received 2022-04-09
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-09
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-09
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Credit collection services states I owe two medical bills which are showing on my XXXX credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to XXXX credit bureau and the two collections are still on my credit report after disputing three times. XXXX says their dispute results are verified when they can not be because the credit collection company can not verify this information.
Consumer complaint received 2022-04-09
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. (CO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

Account was paid in full on XX/XX/XXXX, called on this day to have the {$250.00} annual fee removed and to close the account. Agent could not provide a reference number for the transaction/account closing. Account has not been updated in reporting to XXXX since XX/XX/XXXX. Since, account is a XXXX balance and closed by consumer, it should be updated in reporting to all major credit reporting repositories as such.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (TX)

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 ACCOUNT WITHOUT WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ACCOUNT - XXXX XXXXXXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX - {$7900.00} OPENED- XX/XX/2020
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

Constant phone calls to a personal cell line as well as to my work line, at a government building. On average, I have received 5 to 6 calls per day, per phone number. Today alone, XX/XX/XXXX they have called at XXXX, XXXX, XXXX & XXXX.