davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates (GA)

Hollis Cobb & Associates : I called the number back to inquire about a debt that was owed. I ask that I be provided a validation of debt. I was informed that they don't provide that. I explained that it is required. They stated that they didn't have it nor were they required to provide. Then they said that they did send it but can't send it again. The debt collector then stated that I " only owed {$20.00} '' I told the caller that I was just told by a previous debt collector it was {$45.00}. He then stated that he would " try and request the form '' and send it via email. I told him that I could sue him for lying and not providing me the required information. I told him that I wanted to receive it by mail so that it is official. He then said that he couldn't hear me and that we were breaking up and disconnected the call.
Consumer complaint received 2021-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (TX)

I am XXXX XXXX a Consumer and Natural person, I am filing this compliant with no third party involved. Allied Collection Services has not responded within the length of days given after speaking with me concerning an alleged debt that have placed on my consumer report. Affidavit of fact was sent on XXXX XXXX Allied Collection Services signed the certified green return signature Postal receipt that they received it XX/XX/2021, today is XXXX XXXX and no correspondence or verification from Allied Collection Services. This has caused me a lot of traumatic stress, and also defamation of my character XXXXThis is a violation of my consumer rights, Also a violation Rights to Privacy. Please see attached files.
Consumer complaint received 2021-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

I received a call from a company called Hunter Warfield stating that I owe {$26000.00} for breaking my lease at a rental property called XXXX XXXX in XXXX, Ga. The rental approval went through a company called XXXX XXXX in XXXX of XXXX. Im just being made aware of this issue in XXXX of XXXX. I never received a bill from anyone. I spoke with both Hunter Warfield and XXXX XXXX regarding this fraudulent matter. Both advised me to submit a complaint to the FTC, obtain a police report, and submit a notarized affidavit. Attached are the copies of these documents. I have not heard back from anyone yet. Lastly, once this situation is cleared, I would like my name removed from any rental listings that might state I have a bad history for renting. I would eventually like to move and I dj t want a negligent rental history on my record.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (PA)

In accordance with the fair credit act the list of accuracy below has violated my federally protected consumers rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without written instructions 15 U.S.C 1681c states no consumer agency reporting may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

I have cleared/paid off a collection account with Cavalry SPV I, LLC ( a debt collection agency ) for a credit card account originally with XXXX. This payment became official on XX/XX/2021. 

I have been told by Cavalry SPV I, LLC that this collection account is eligible to be removed from my credit reports with XXXX, XXXX  and XXXX. I would like that done immediately since the debt has been paid.
Consumer complaint received 2023-12-27
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An unauthorized inquiry from XXXX XXXX was reported on XX/XX/2018. I called XXXX to find out why they ran my credit report and they said they have no record of speaking with me and do not have an answer as to why my credit was ran. I then called Transunion to file a dispute on the inquiry. Transunion told me that they do not dispute inquiries as they are facts. I told him it was not a fact, it was not authorized and it was fraud. He said it did not matter and if I wanted it removed then the company that pulled the report would have to submit to Transunion in writing that the inquiry needs to be removed. I asked him why a company that committed fraud would submit anything. I was again told that inquiries are facts and can not be disputed. I informed him that I submitted a dispute on unauthorized inquiries to XXXX and it was removed immediately. He said Transunion does not have a process to dispute inquiries, so he can't help me.
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: Experian Information Solutions Inc. (CT)

I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from Experian and XXXX  and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file
Consumer complaint received 2021-12-01
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: Resurgent Capital Services L.P. (NY)

There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (CA)

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX (XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ).

EXPERIAN - 1. XXXX XXXX ( JXX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. AXXXX XXXX XXXX ( XX/XX/XXXX 5. XXXX ( XX/XX/XXXX ). 
Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Consumer complaint received 2018-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I transferred {$90.00} to buy baseball tickets through my Chase Banking mobile app using XXXX. I used this form of payment because I believed it to be the safest way Since the payment would be linked directly into the other party 's bank account and has been promoted directly by Chase as a safe and easy way to send money. Of course they add " to people you know '' in order to protect themselves I see now. ( I thought, how could this be a scam if this transaction can be traced right to him, right? They have transaction records and know exactly who is accepting the money. ) He initiated the request. As soon as the money was transferred via XXXX he blocked my phone number and was unreachable via text or phone and I did not receive my emailed tickets. 

I contacted my bank which not only couldn't or wouldn't do anything about it, but didn't even have a phone number for XXXX! I'm in shock! Is it really this easy to get away with stealing people 's money this day and age with absolutely no recourse? 

Chase was able to tell me what bank the recipient 's account was ( XXXX XXXX XXXX ) at so I called them to inform them they have a scammer using their bank. There wasn't much they were willing to do either. I have the scammers name and phone number associated with his XXXX account so hopefully they do something about it.
Consumer complaint received 2022-11-19
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. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (LA)

On XX/XX/XXXX, I charged a refrigerator, 5 year service plan and ice connector to my Lowe 's charge card. On XXXX, the refrigerator was picked up by Lowes delivery representatives. The Lowes representative that pickup the refrigerator told me Lowes don't give paperwork when merchandise is picked up. He had me sign on XX/XX/XXXX to confirm receipt of a new refrigerator and I wrote " swap refrigerator '', as he told me I could, then I took a picture of the Loading Ticket. I spoke to representatives of Lowes in XXXX, LA and representatives of Lowes credit card. I was advised around XX/XX/XXXX by representatives of Lowes credit card the issue would be investigated and resolved in 60 days. On XX/XX/XXXX, I called Lowes because that purchase is still on my credit card. I was advised by the XXXX XXXX, representative of Lowe 's credit card, it will take 158 days to resolve the dispute and I need to contact the store because the credit card only handles credit limits, interest, and payments. I asked for a government agency to report the problem to on XX/XX/XXXX. XXXX XXXX advised me to contact the Lowes store and call the same number I called her again. 
Also when an item is purchased with a year of no interest, even though additional payments are made for the merchandise to avoid interest, the money paid is not put toward that item or applied to that item and the interest is applied.
Consumer complaint received 2018-02-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I read about the class action suit against Navient, formerly XXXX XXXX. I would like to stay informed as I believe I am a victim of misinformation, deception around repayment options. I graduated from XXXX XXXX in 1995 ... yes 1995 - 23 years ago! I have paid my loans for years, however at various times ran into financial difficulty, job layoffs, had children and could not work and simply financial hardship. The interest charges have accumulated SO MUCH over the various forebearances that were suggested to me that as of today my balance due is MORE THAN the original loan amount! I owe more today than the amount I borrowed 23 years ago! Time after time I called to discuss financial hardships and was immediately pushed towards forbearance. At times I was told there was no option to lower my payments and I pushed and they were able to find a plan for me. I was told I am not eligible for any type of loan forgiveness & that as part of the income sensitive repayment plan even if I'm on it for 25 years that this program is not eligible for loan forgiveness. I had to claim bancruptcy about 10 years ago & was told i could not include my XXXX XXXX student loan. I will die someday with this student loan debt! I will never pay it off. I am currently on the income sensitive repayment plan that I have to renew yearly. Reading the article really hit home and I hope these thieves are ultimately the ones that lose out after they have contributed to stress and anxiety that so many suffer from due to debt that is suffocating them ... all while these executives collect XXXX dollar bonus checks comprised of hard working, bill paying American citizens!
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (VA)

XXXX and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. Experian sent me a letter stating that accounts could not be verified and deleted immediately. 

XXXX and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again Experian deleted because it was unverifiable ; as well as, XXXX XXXX which again Experian deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " Experian '' did there job and correctly removed items and I need XXXX and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.