davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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. (IN)

My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted XXXX/XXXX account. Over two weeks ago I submitted a fraud complaint. I then received a response from Experian stating that the creditor verified the account as accurate. I then called XXXX XXXX to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with XXXX XXXX. One is paid off with perfect pay ( XXXX XXXX ), the second is XXXX XXXX XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX  which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
Consumer complaint received 2023-01-18
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX5 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. 
Chapters
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I charged an order and made a down payment of {$4400.00} using my Barclays Mastercard for new windows with the merchant ( XXXX XXXX XXXX XXXX ) on XX/XX/21. 

The merchant informed my contractor ( who I hired to install the windows ) on XX/XX/21 that the company would not complete the order because the windows that I ordered could no longer be manufactured. ( See enclosed email from their sales representative, XXXX XXXX dated XX/XX/21 ). 

The contractor informed me on XX/XX/21 that the merchant could not complete the order. 

I contacted the merchant that same day and they offered to provide a different type of window that would need to be modified prior to installation. I declined and requested a refund. The merchant then agreed to process my request for a full refund on XX/XX/21 ( as documented in the enclosed email string ). The merchant later informed me on XX/XX/21 that they would begin to process the refund ( noting that it could take up to 30 more days ). The merchant, however, never processed the refund. 

After waiting over 30 days, I tried to contact the merchant again but they did not respond to my emails or phone calls. 

I submitted a dispute of the credit card charge to Barclay 's on XX/XX/21, was assigned a Case ID ( XXXX ), and was issued a provisional refund of {$4400.00} by Barclays.

Barclays informed me on XX/XX/21 that they reversed the refund based on their ( false ) conclusion that I had canceled the original order, rather than understanding that it was the merchant that canceled my order. 

I sent additional documentation to Barclays on XX/XX/21 that included copies of the email communications between me and the merchant. 

I talked to a Barclays representative ( XXXX ) on XX/XX/21 and was informed that the claim would be resolved within 90 days. 

Barclays informed me on XX/XX/21 that the claim could not be resolved through the dispute process because they were outside the permitted timeframe. 

My concerns are that : 1. The merchant ( XXXX XXXX XXXX XXXX ) did not refund my down payment as promised after they discovered that the windows that I had ordered could no longer be manufactured. This should be resolved by Barclays Mastercard, since the merchant failed to process my refund.

2. Barclays Mastercard took 4 months to review the documentation for my disputes and then told me that they could not assist me with obtaining credit to my account because " We are outside of the permitted timeframes to continue this claim through the dispute process. '' Barclays was outside of the permitted time frames because they did not process my dispute in a timely fashion. Thus, I think that Barclays Mastercard has an obligation to process the credit to my account.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NJ)

To Whom It May Concern. 

This is my second dispute with the CFPB regarding this issue. My original compliant number is XXXX. 
Please see attached response from TD Bank Representative. The Representative documented my XXXX payment was not the full amount and was short {$290.00} which caused my XXXX payment late. I have provided the annual statement I received from TD Bank specifying my new mortgage payment amount and also I attached my payment history provided to me by TD Bank. On XX/XX/21 I made a payment in the amount of {$1600.00} which is the correct amount due based on the statement provided to me. Unfortunately, there was a delay in processing my deferral which caused huge discrepancies on my account, however due to the delay on TD Bank it caused my payments to appear as partial payment and late. I am not asking for the late reporting to be removed as a courtesy but requesting the late reporting to be corrected because the error was on TD Bank and the delay and processing of my deferral and updating my account.
Consumer complaint received 2022-01-16
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: ENCORE CAPITAL GROUP INC. (MD)

Between the dates of XXXX XXXX and XX/XX/XXXX I documented 23 different phone calls made to Midland credit management Co. I want to settle a debt for approx. 800.00. I want a letter of satisfaction emailed to me and a line of satisfaction given to the court where there is a judgement against me. I have heard everything from we can't talk to you because you are from WV, which I'm not, to you have restrictions on your account and we can't help you. No one from the legal dept, customer support, resolution dept, countless managers could let me pay my debt. The computer system was also blamed. I was transferred 4 times where I was disconnected. I was told to call back in 1 day, 3 days, and most recently a week. I have attempted to pay my debt via online 4 times the week on XXXX XXXX with no success. XXXX XXXX I had an online chat with XXXX who told me she couldn't help me and gave me a number to call, which I have done more than once. What is going on? It has now been two weeks that I have tried to pay this very old debt. I want someone to accept my payment, give me a letter of satisfaction and remove the judgement Midland Funding LLC placed against me in court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX  in XXXX XXXX, CA billed us for a XXXX performed in XX/XX/XXXX. We were on a payment plan for {$270.00} per month. In XX/XX/XXXX and XX/XX/XXXX we made 2 payments each month so we were ahead of schedule. We made another payment in XX/XX/XXXX but did not make our XX/XX/XXXX payment since we had double paid in XX/XX/XXXX and XX/XX/XXXX. Without any notification, we were sent to collections. We continued to make payments to the account in XX/XX/XXXX and XX/XX/XXXX but we are being hounded by the collection company. The account is paid in full. After received a notice from the collection company ( XXXX XXXX XXXX   ) we called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX ( he refused to give his last name ). He told us that the account was delinquent when the XX/XX/XXXX payment was not received. I asked him to review the payment history and he told me that double payments do not count toward the monthly payments. He said when our account was not paid in XX/XX/XXXX that it went to collections without notification. I asked for their policy in writing but he said they do not post anything in writing for the consumer.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I received a threatening collection notice letter from Afni Collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

They claim I owe {$1000.00} for an overdue XXXX XXXX XXXX balance. Pretty silly considering Ive never had an account with XXXX XXXX XXXX. I called and told them this. They were extremely rude and told me it was in my best interest to pay the balance. I refused and told them not to contact me again. 

They then sent me a second letter claiming theyd accept a discounted offer payment of {$600.00}. I called again and asked what type of money grabbing scam they were pulling and that this was a done issue as I DO NOT have an XXXX XXXX XXXX  account. 

Today I was informed that a collection account was reported by them to XXXX and is now on my credit report. I called XXXX and and filed a dispute through them as well as reporting them to the XXXX. 

Id also like for you to assist and ensure that they stop contacting me and remove the false collection account from my credit report. 

Thank you
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (CA)

NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.
Consumer complaint received 2021-12-01
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: U.S. BANCORP (WA)

Received my report from XXXX after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from US Bank in the amount of {$1300.00}. I filed a dispute with XXXX and requested validation, they claimed the debt was valid and refused to give me documentation from US Bank proving the alleged debt. I believe that XXXX is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.
Consumer complaint received 2018-02-20
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: TD BANK US HOLDING COMPANY (PA)

Td bank refused to report our good credit on mortgage we have had for 18 years they stopped reporting in 2015 we have called many times to ask our payment credit be reported yet they still refuse to report it
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (FL)

Security Credit service has violated my consumer rights which the penalty would be {$1000.00} if when I seek ligation. They never sent me a notice of this so called debt they say I owe them. After speaking to a lawyer they told me I have the right to dispute this debt before this was place on my credit report. I have no problem sending this case to a lawyer receiving {$1000.00} or more if this account is not deleted in 10 days
Consumer complaint received 2022-01-16
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. (MI)

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 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 XXXX data breach and may have got into the hand of the wrong person.
Consumer complaint received 2019-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

3 company with inconsistencies, violations and double jeopardy ... 
I requested to EXPERIAN an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from EXPERIAN was a verification from XXXX as shown in their own report attached in this complaint.. 
EXPERIAN is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to XXXX , XXXX XXXX XXXX to collect the account .... 
Now XXXX is reporting to EXPERIAN an account that is not marked as sold of transfer with a Balance ... So, EXPERIAN is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now XXXX, XXXX XXXX XXXX is asking around XXXX dollars over the original balance requested by XXXX at the same time is reporting another balance to EXPERIAN ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to EXPERIAN before and after investigation and a letter from XXXX, XXXX XXXX XXXX collecting another balance for the same account.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (MI)

I am not working and I owe them XXXX they are taking a XXXX membership fee and I have send a schedule stop notice along with several emails they responded and said they will not stop the membership fee until I pay my balance.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Chase Card has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX because of their failure to verify this with Chase They did not even attempt to contact Chase. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.
Consumer complaint received 2019-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

On XX/XX/2017, I turned in the keys to my apartment after my roommate and I were placed under an eviction status and my roommate moved out without my knowledge. On the XXXX of XXXX, the balance left for the apartment was not only increased by over {$3000.00} but it was sent to collections before I had a chance to settle it. On the XXXX of XXXX, I received the final bill by email. I then proceeded to email management, I called and even showed up in person but they continued to avoid me. The bottom of the bill states you have 30 days from the final notice to settle the debt. Now the collection agency that has the debt has increased it by {$640.00}. When I try to contact the collection agency, I end up getting the voicemail. Also, I have never received a written letter from the company. The original debt amount was {$7300.00} and it is now {$7900.00}. The collector is Hunter Warfield.
Consumer complaint received 2019-03-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on TRANSUNION as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}