davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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: Credit Karma (PA)

On XX/XX/XXXX I received an email from Credit Karma saying I was invited to see what I would pre-qualify for regarding a consolidation loan. It said it would not affect my credit score and it was just a prequalification. Instead it send it to a bunch of lenders who altered me down, which I expected, which is why I never would have lied in the first place, and now each one of those is hitting my credit report. They have managed to have at least XXXX to XXXX Companies I never applied for deny me loans I never asked for. I never gave out my personal information but I guess credit karma already had it and use that to send the loan lenders. I want the inquiries take it off my credit report and I wont credit karma says stop Bait and switch people. It is obviously clear from their marketing that they want to miss lead people. I screenshot it everything that I receive so that you can see how misleading it is.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (FL)

They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Precise Financial Group, LLC (OR)

This lady " XXXX '' from precise financial group called my employer while I was working asking for me & being extremely rude and disrespectful to the person answering the phone. I work in XXXX so they have to ask questions of who is calling due to confidentiality of patients. She then got a hold of me & was being threatening, rude, talking over me, after I said several times do not talk this way you are being unprofessional and not talking like a grown lady. I then said this is my XXXX time asking you to NOT CALL MY JOB, we went back & forth I told her to give me payment options and she was rude an said the amount she needed to collect, she also asked when can I make a payment I said XX/XX/XXXX & she said NO I CAN NOT WAIT THAT LONG YOU HAVE HAD LONG ENOUGH TO MAKE A PAYMENT I NEED A PAYMENT NOW I then said you don ; t know my finances and what I pay I ca n't make a payment today!
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (GA)

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because we According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - no account number
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I have paid this tax lien in 2014 and it is still is on my credit report. It started with an over payment from employment department, which was paid back by taking part of my tax return. My bankruptcy attorney told me this. I have called on this but keep getting the run around.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

AS OF XX/XX/XXXX ..... 
THESE ARE INQUIRIES BELOW! 
Here are the inquiries u XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-05-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (TN)

I received a letter dated XXXX/XXXX/16 from the Money Source ( attached ) saying XXXX key points : We have been attempting to reach you regarding the status of your load. We have been unsuccessful in contacting you using the phone number ( s ) and email address that was provided Please be advised that this is an attempt to collect a debt and any information obtained will be used for that purpose. 

I called them on XXXX/XXXX/16 at XXXX. 

I asked the agent why I received this. He said that they were reaching me to try to get my phone number added to my account I asked him if I was past due on any payments, and he said no I asked him what my phone number would be used for, and he said promotions I asked why the language was used, and the agent said it was required I asked why it said that they " have been trying to reach me unsuccessfully, '' when I have no record of such contact and he indicated that this letter means that they have been reaching me. I told him I disagreed with that use of verbs.
Consumer complaint received 2016-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (CA)

I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was born XXXX XXXX XXXX  at would need Ashmer Collection Services XXXX Agency to properly and thoroughly reinvestigate, thoroughly read and understand my dispute and believe in my personal logical and knowledgeable reasons why.
Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DC)

Between the months of XX/XX/XXXX and XX/XX/XXXX I  disputed the validity of a debt and account ( using my information without consent ) with an attorneys office on behalf of XXXX XXXX. The case XXXX was closed and the attorneys office responded the will cease collecting attempts. Fast forward to XX/XX/XXXX and I get a notification from XXXX credit bureau and from XXXX XXXX. The alerts notified me that a new account was added which was from XXXX XXXX My dispute this time is their blatant disregard of the conclusion of the cfpb case listed above XXXX. Ive spoke To the credit bureaus and they said that I was to receive a notification before the account and negative information was added to my credit report. This is a blatant violation of not only the FDCPA in regards to continuing to attempt to collect as well as the FCRA for furnishings negative information without written notification.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

I have a duplicate collection listed on my credit report from XXXX XXXX XXXX. TransWorld Systems claims to be the agency that should be collecting I did pay them about XXXX dollars in the past, but now XXXX XXXX is claiming I should pay them. I can never reach anyone from XXXX and had to ask XXXX XXXX XXXX SEVERAL times who indeed I should be paying they told me XXXX XXXX but would not put it in writing. I asked the electric compnay if i could pay them directly and they said yes. The debt still remains after disputing with all three bureaus and specifically asking them all to confirm with the electric company WHO is the owner of the debt. They both still remain on my credit report. My ex, an electrician rigged the electric attempting to avoid his portion of child support. He admitted it but I am still being held responsible although he offered to take responsibility. How did electric get taken without anyone knowing including me to the tune of XXXX? Are the duplicates being ignored because I am branded a theif? Not fair. I dont have any track record of being a thief and he should be held accountable. Not me.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MO)

Flag star bank I feel that they took advantage of me. I am sure I was not the only XXXX. Ialmost lost my house because of them I am still suffering because of them. They lost my paperwork so many times I faxed them my paper work at least XXXX times I even mailed it to them. My house so on the steps of the court house my best friends boyfriend paid there attorney XXXX to get my house. OMG  I wish something could be done. If I had the money I would  I wanted to get the news crew involved. i tried to get anyone who would listen I wrote so many letters . no one really cares about us XXXX.  FLAGSTAR BANK OUT OF MI, CROOKS....
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CT)

Do want to thank the CFPB for providing a forum to address Mortgage fraud. In my case JPMorgan Chase and XXXX XXXX as the CEO. JPMorgan Chase was and is the judge and jury in this case of downright fraud. They gave me a verbal mortgage ( their written word ) and decided after the first payment that they would no longer accept anymore payments. Dealing with over XXXX of their representatives - who were working under the direction of JP Morgan Chase with an incentive to foreclose on homes ( still waiting for XXXX XXXX to confirm ). No amount of forms filled out and sent by every conceivable method would ever arrive intact for this company. The stress, the torture that I went through is unbelievable. The answer was always the same - your file is empty, nothing in the file - who gave you the mortgage, who told you your home is in foreclosure, we have no idea what you are talking about. In the meantime bills that I was not allowed to pay was being wracked up by this dishonest institution. They finally had to agree recently that the claim of sending XXXX inspectors to our home was a mistake. I never saw one. No one ever rang the doorbell. Absolutely dishonest financial institution and as they say 'A fish stinks from the head down '. Now I am constantly on a 'merry-go-round '' of papers with them. Each week I can guarantee that they will send another form telling me that they are " Researching '' and will get back to me. Researching what. You had nothing in the file to begin with, unless you are trying to find ways to lie. What is there to research after all this time and fooling the CFPB about 'partial response '. A morass of corruption if ever I see one. At this time, I am taking my frustrations to the next level..Let me and XXXX XXXX take our case to the American Consumer. Let them continue with the useless 'researching and asking for extension ' routine. So thank you CFPB for providing a platform, however this is going nowhere and JPMorgan Chase has this figured out. In every instance of corporations and countries having a XXXX moment ' it is usually done by one individual. Well, I will make sure that 'Too Big to Fail '' JPMorgan Chase has its day of reckoning and hope to one day see the CEO XXXX XXXX doing the 'perp walk '. It is about time. There are many politicians out there in this competitive election year who would definitely like to put a face to the mortgage mess created by dishonest institutions like JPMorgan Chase while taking government bailout. Thanks again to CFPB but dishonest institutions like JPMorgan Chase feel secure in knowledge that they can fool you and everyone with useless extensions.
Consumer complaint received 2023-03-28
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. (DE)

Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : 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 XXXXXXXX XXXX XXXX Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to be removed.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I received a credit report from Experian and they are refusing to dispute fraudulent accounts that are on my credit report, which they refused to dispute XXXX and XXXX. These accounts have been on my credit report since 2007, though old accounts, they do not belong to me. They belong to XXXX XXXX. I have attached supporting documents in regards to why these creditors should be deleted immediately. They are not my accounts. They are reporting the same accounts as duplicates. I did not live at the address listed on XXXX or XXXX 's application. I have attached documentation to show my addresses almost 20 years. I was not aware of the debt until discovering on my credit reports.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (GA)

Company is in violation of multiple offenses under the Fair Debt Collection Practices Act. 
Company violated my consumer rights by exposing medical information. 
Company has committed identity theft by purchasing my information without my consent. 
Company is in violation of assigning an attorney to collect a debt from me XX/XX/2021 {$1100.00} XX/XX/2021 {$58.00}
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX Collections. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX Collections in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I filed a complaint with Esperian regarding my account not being updated for XXXX XXXX. I requested either the company verify infoinfo and update account appropriately or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.