davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC. (WV)

on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this number is calling multiples time a day, I decided to answer when the person on the other side of the line a female, asked for my XXXX years old name, social security number and day of birth, I asked who is this, the female refused to answer my questions after I refused to give my daughters social security number alleging that this a business matter, when I asked what type of business she replied unless I do n't give the information that she is asking for there is no business to discuss. I researched the number and I realized that this is medical collections on my husband name not on mine, also the bill stated XX/XX/XXXX, we never received any statement of this collection. 

This company is contacting family members and requesting information about minors, keep calling more than 4 times a day. I want them to stop collections of this alleged debt that my husband does n't owe, we researched and ALL medicals bills are paid for.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-03-05
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. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a XXXX XXXX XXXX XXXX my ex filed bankruptcy which included a boat we had financed. She maintained possession of said boat and it got repossessed. The bank auctioned it for XXXX 's on the dollar and then stole XXXX out of my bank account 6 years later stating that they didn't receive full payoff. 

# 1 - The boat was involved in a bankruptcy # 2 - It was 6 years ago # 3 - How can they just steal my money # 4 - I'm being as civil as possible but that won't last long At the end of the day, I need my money back IMMEDIATELY and I will take whatever action necessary. I'm a XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This WILL get dicey if I don't get my money back.
Consumer complaint received 2020-11-12
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 — Was not notified of investigation status or results
Company: Continental Finance Company, LLC (DC)

On XX/XX/2020 I reached out to Continental Finance/XXXX XXXX XXXX about a late payment on my credit report as I notice I was late I immediately paid the entire balance and contacted Continental Finance/XXXX XXXX XXXX  to ask if they could remove the late payment and offered to setup automatic payment to avoid this from ever happening again and got nowhere over the phone so I sent a good will letter and still no answer
Consumer complaint received 2023-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

To Whom It May Concern : Since XXXX XXXX XXXX XXXX XXXX XXXX ) a government organization has been contributing {$79.00} every XXXX weeks, which is XXXX a month to my Home Equity Line of Credit Account. 

Those payments from XXXX have not been accredited to my account for payment. I told them their payments sent to M & T bank are not being accredited to my account, so where are the funds/payments? 

In addition, M & T bank has also been receiving monthly payments from me, and month after month my Home Equity line of credit account balance remains the same, even though, technically they been receiving XXXX payments every month for a year to the account ending in XXXX. Ive been making payments on my Home Equity Line of Credit account for almost XXXX years, and my balance owed remains the same. I dont believe any of my payments in last XXXX years have ever been accredited to my account. 

These payments were made my Home Equity Line of Credit account to M & T bank ending in XXXX : XXXX XXXX XXXX XXXX  Cashed in the of amount - {$1900.00} XXXX  Online Payment XXXX To M & T Home Equity - {$170.00} XXXX Online Payment XXXX To M & T XXXX XXXX - {$170.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$200.00} I also have proof of other unscrupulous practices, such as, demanding that I pay them extra payments on my account that was up to date in payments which as unwarranted ; demanding payments and wanting me to notarize a supposedly official documents sent by someone with no last name ( i.e., XXXX XXXX XXXX ; this went on for months. 

I would appreciate your help with this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-28
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 A. States I have rights 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 2023-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (TX)

Regional Finance has been sending me collection notices in the amount of {$2100.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.
Consumer complaint received 2022-04-05
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. (GA)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: William C. Grossman Law, PLLC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by XXXX bank. 

I called XXXX  today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (SC)

Notice there was a unknown charge on my XXXX XXXX credit card in the amount of {$8000.00}. Make at XXXXXXXX XXXX XXXX, I call Navy Federal credit union to dispute charges and the denied the Claim.I havent been in XXXX Florida to make this purchase.
Consumer complaint received 2020-09-17
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)

The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I was helped in the emergenecy room on XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I have insurance and recieved a bill from them after insurance paid their part. The bill was paid in full in XX/XX/XXXX, but I recently found out they sent me another bill in XX/XX/XXXX or XX/XX/XXXX and i no longer lived at that residence and never recieved a bill. I found all of this out on XX/XX/XXXX and contacted the emergency room provider XXXX XXXX and was told my bill was in collections. I asked the person who helped me over the phone if they could let me pay the bill i never received of XXXX cents. So now I have a collection on my name from transworld systems, XXXX XXXX, XXXX, de,XXXX. I have a collection on my credit now and would like to know what process i can take to remove this collection off my credit as ive already paid the debt to the medical office i never received a bill from.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS.
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

I have had a number of issues dealing with XXXX  XXXX in repaying student loans. The problems began when my balance was transferred from my original lender, XXXX, to XXXX : I was not provided notice of this transfer until after the fact, and two of my monthly payments went to the original lender, which was very difficult to get corrected. 

More importantly, once it came time to recertify for the IDR, which I was enrolled in through XXXX, I encountered one issue after another with XXXX. The deadline had passed due to issues on XXXX 's end, being unable to process requests due to high volume at that time. When the recertification request finally was processed, it was denied ; the reason stated on the website was that certain documentation was missing. I submitted the documentation and the request was denied again. 

In attempting to resolve these issues, I had multiple calls with XXXX reps, all of whom were unhelpful. My IDR request was finally " approved, '' but with an increased monthly payment ( from {$86.00} to {$320.00} ), even though my total household income and dependent information hadn't changed between XXXX and XXXX. 

This issue necessitated additional calls to XXXX reps ; again, none of which were helpful, and ultimately I was told that XXXX had no way of determining why my payments had increased so drastically. According to XXXX, because the initial payment amount of {$86.00} was set up through XXXX, XXXX has no record of the original IDR calculation and no way of obtaining it. This left me with no choice but to request forbearance for the maximum time period, which has now passed and left me with an absurdly-increased monthly bill that I can not afford.
Consumer complaint received 2023-01-28
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-28
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments and erroneous reporting on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. Please fix these accounts : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-09-17
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. (CA)

I filed disputes with all 3 bureaus and still have not received anything from them.

I understand it time to received things by mail but more then 30 days is not acceptable.

They say they will send results within 30 days then that what they should do.
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed disputes with all 3 bureaus and still have not received anything from them.

I understand it time to received things by mail but more then 30 days is not acceptable.

They say they will send results within 30 days then that what they should do.
Consumer complaint received 2023-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-01-07
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. (FL)

My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-24
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)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.