davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting 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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report. 

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXXXXXX XXXX  account # XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX  account XXXX XXXX XXXX Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Consumer complaint received 2016-10-13
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP (NJ)

I did not receive any phone calls or certified mail from the acting attorney ( s ) on this case prior to this judgement of wage garnishment. I contacted Pressler and Pressler , LLP on XX/XX/2016 to speak with the attorney ( s ) handling such case, however XXXX ( XXXX ) who identifies himself as a paralegal, but would not identify is full name informed me that the acting attorney ( s ) on this case were XXXX XXXX and XXXX XXXX , which had never contacted me regarding this matter.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (FL)

I checked my credit and I noticed an account for CHOICE RECOVERY in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion deleted The XXXX of my credit report in XX/XX/2016. then put it back on my report under a new name XXXX. I would like this delete once and for all this is not my account under know name.
Consumer complaint received 2015-06-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (WA)

We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts. 

This is rediculous please help
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I checked my credit on XXXX on XXXX XXXX and my Transunion report only showed XXXX hard inquiries. The next time I checked it, around the middle of XXXX, XXXX inquiries showed back up. I was not notified that they would be reinserted. I 've called transunion several times to get this resolved and they have been very rude and will not help me.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (GA)

very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion advised me to contact creditor directly and also that they would forward my information to XXXX XXXX XXXX to verify the accuracy of my documentation. I have not received a response from XXXX XXXX XXXX or transuinion regarding the fraud inquiry. No proof has been submitted to me as advised. Per FCRA no response from creditor the the must be removed.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

The collection agency, F Hannah, XXXX, GA began a wage garnishment without proper notice, proper verification of debt, and without verifying ownership of the debt. I found out about the garnishment by mail from my employer, 5 days before it was to take effect. I finally received a letter by regular mail on the date it took effect, XXXX/XXXX/16. I filed a traverse, however the judge XXXX XXXX of GA State Court, XXXX County, Ga, showed bias to the plantiff, and ignored the GA State Code requiring delivery signature to be filed with the clerk of court within 3 days of filing the garnishment. He denied the traverse.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

For the last 8 years I 've been making bi weekly payments exceeding my monthly amount, and when i started i had paid ahead towards my mortgage. Approximately 3 years ago my mortgage was transferred to Ocwen. Early on I started noticing issues with the new servicer. I called and explained what I was doing ( I have had no luck talking to an XXXX call center ). They said that they did n't understand and that payments are due on a certain date, I explained I understood however my method I 'm paying ahead. They would n't accept that. They are holding/suspending my payments at their leisure not applying it to my loan and I 'm losing financially, as they are still applying interest at a rate that is not correct. I 'm getting threating letter that I 'm behind, it has called distrust with my wife if I 'm actually paying the bill, all while I 'm in fact trying to pay ahead on my loan and never has been an issue until the loan was transferred. I understand that loans can get transferred, however I have been paying my account faithfully ( ahead of time ) since I 've purchased my home. Now with the current creditor, i have contacted them many times, i even asked them to look into my situation, and they never responded through phone and only sent me some confusing information.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. 
However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXXXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-14
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including Floridian 's own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by ASC servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for 18 months, received a Truth and Lending signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a Pick-A Payment loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Consumer complaint received 2022-09-06
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. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the XXXX XXXX XXXX effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present. 

If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme. 

The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX  XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Liquidation Services Inc. (TN)

Account Liquidation Services is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I requested verification of debt on XXXX/XXXX/XXXX and got a response. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. After requesting the deletion, the company failed further contact and to remove the debt from my credit report. The company instead added more negative accounts to my credit report in XXXX in which I again requested a deletion of the accounts. The company failed to respond to the request and I had to dispute with the credit bureau instead to have the accounts removed from my credit report. Upon checking my credit profile on XXXX XXXX, XXXX I noticed the company has again added negative accounts to my credit report despite my previous disputes and verification that I am not the individual whom owns the debt.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I would like Diversified Consultants, Inc. to stop all collection activity and close the file for account number XXXX. My intentions is for Diversified Consultants, Inc. to withdraw from any further collection activity on a bad debt that is n't mine to start with. I am demanding that they cease and desist from any future collection activities and not sell this debt to any other debt collection companies. I further demand that Diversified Consultants, Inc. is to NEVER insert this incorrect bad debt onto my credit records ( XXXX, XXXX, and XXXX ). Furthermore, this debt is to never be transferred or resold to any other debt collection companies for any further collection efforts and to stop all collection activity and close the file with account number XXXX. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and I am a business man and these errors are effecting my ability to properly run my business.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I recently viewed my credit report and found countless errors. I have some personal information that is not correct and several accounts I don't think that they belong to me. There are Charged Off accounts with balances as well. How can that be when it has been charged off and a 1099 was sent to me.. Please see letter attached in this site to dispute the cases I am concerened about
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NC)

I was working for XXXX XXXX and am no longer working for them. I signed up for COBRA for vision/eye care. I signed up for direct deduction from my checking account on XX/XX/2023. At this time I had my account debited for {$72.00}. Then on XX/XX/XXXX I was also debited {$72.00}. The company listed for the debit on the account is listed on my statement as XXXX XXXX XXXX XXXX. I brought this to XXXX customer service and they were unable to see the deduction on XX/XX/XXXX. I sent several copies of my bank statement but they could not open it. I eventually contacted Chase and they challenged and removed the charge from XX/XX/XXXX. XXXX then recharged the amount + the next 2 months which totaled {$100.00} but still has not acknowledged the deduction of {$72.00} on XX/XX/XXXX. Chase refused to remove/challenge the XX/XX/XXXX charge and told me to speak with XXXX XXXX tells me they do not see any money received from my account on XX/XX/XXXX and tells me to deal with my bank. The last email from XXXX XXXX at XXXX acknowledge everything but the XX/XX/XXXX deduction of {$72.00} and was sign at the end with TAKE CARE. I am caught between 2 entities that want me to deal with the other and will not contact each other to assist. XXXX is stubborn and refuses to acknowledge transaction they can not see and Chase is unprofessional in refusing to assist a long time customer even though they have the proof that I need. XXXX has acknowledge receipt of my bank statement but has still not addresses the XX/XX/XXXX deduction. There are 2 XXXX case # 's because they closed the first and had to open a second when I complained again XXXX First case # XXXX and second # XXXX Chase claim # XXXX
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/22 I received an email from Capital One that I had been hand selected and " Pre-approved '' to apply for a " Business Credit Card '' I filled out application with my Business Name and XXXX. My name and date of birth. I wasn't approved for the Credit Card but then I get notifications on my personal credit profile that Capital One has checked my credit. No notification or inquiry whatsoever from my Business credit monitoring service. Capital One baited me into applying for a business card with the pre approval and hit my personal credit report instead which I didn't give permission to do. I spoke with several reps for the company and was escalated to the highest dept and wrote letter asking them to remove this fraudulent inquiry from my personal report. To no avail.