davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONTRACT CALLERS INC (VA)

I had all 3 credit bureaus remove an old debt from XX/XX/2014 ( estimated ) that XXXX sold to a debt collector named Contract Callers Inc. due to not having a contract with Contract Callers Inc and the age of the debt. They disputed my dispute and XX/XX/XXXX and XXXX XXXX added it back to my report. Contract Callers Inc made the debt date new and they continue to report this old debt of {$100.00} over and over. Had I not challenged it, it would have already dropped off my report on its own ( I didnt owe XXXX that money anyway but thats not in play here ). Its unfair this company has extended the time period it shows on my credit report. It should be removed immediately.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

I had internet and TV service with XXXX with a 24 month contract due to expire around XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX to terminate the contract early and was informed that I could but would be charged a termination fee of {$10.00} per month for the remaining months for a total of {$70.00}. I paid the {$70.00} for the TV service and the amount due for the internet in XX/XX/XXXX. I received no further response from them. My internet account was canceled when I ended the internet service that was only on an already expired 12 month contract. Around XX/XX/XXXX an account notification dated XX/XX/XXXX from Credence to collect a debt in the amount of {$230.00} stating that XXXX had placed that amount with them for collection. I responded by letter dated XX/XX/XXXX disputing the debt and requested documents verifying the debt attaching a copy of the bill I received from XXXX on XX/XX/XXXX. Credence refused to send any documentation explaining the charges, instead responded that they investigated the dispute and verified that the charges to my account were valid. They reported the debt to the credit reporting agencies on or about XX/XX/XXXX and refuse to remove it. If I receive explanation showing the the charges were correct, I have no problem paying.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TN)

This is a collection company many of several that are representing XXXX, XXXX XXXX that I have disputed on several instances. XXXX will remove for about 2 months and it will reappear with another collection agency listed but same debit. I have not received any supporting documentation from the provider with proof that this is my debt. I have however submitted documentation to XXXX via cerfitied mail with my ID, SS card and proof of residence. Each time a different collection agency appears on my credit report its under a another name and is extended for another seven years. I'm not sure what else I need to prove?  Listed below is the last company that was added. This account was not opened on this date it is actually the date that it was readded to my credit report. Any assistance you could give would be greatly appreciated.This was the first collection agency that was disputed. Account # − XXXX  XXXX XXXX XX/XX/XXXX.  Same debt collector with XXXX and now it is  I C System showing that it was opened XX/XX/XXXX $XXXXoriginal creditor: 11 XXXX XXXX and will remain on my report until XX/XX/XXXX. I was under the impression that the statue of limitations was 7-10 years. Each time that I have disputed the bill that start over with a new collection company and more years.
Consumer complaint received 2019-08-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

I noticed my credit report had several inaccuracies including the spelling of my name. I had disputed with Experian a  bankruptcy. Experian said no changes will be made. I notified Experian as asked what  method of verification do this use they advise me XXXX XXXX. My XXXX XXXX report has a freeze for security purposes it’s no way they could have be able to do a accurate investigation concerning my dispute.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CO)

I received a call 2 Fridays ago ( XX/XX/XXXX ) from XXXX XXXX  from IQ data international. He was calling in regards to XXXX XXXX XXXX. I moved out in XX/XX/XXXX. XXXX was the XXXX person. He wouldn't let me speak. He overtalked me over and over. When given a chance to speak I tried to explain to him my lease was month to month and that I didn't break my lease. I also explained to him why my lease was month to month. I asked him to send me all documents and photos, I was told " you don't have time to review this. After XXXX and I went back and forth he sent over 1 document showing I owed for damages and cleaning, I advised XXXX I was fine with paying for other damages but I was not paying for additional rent, carpet, or cleaning. XXXX stated " even if I remove those charges that are only {$800.00}. He then disconnected my call. This company refuses to help you. XXXX spoke to me as if I was a criminal and was very belittling and harrassing.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi went to the Bank of America ATM to deposit {$3000.00} when I try to deposit the money to the ATM it was pushing the money back again and again I was counting and putting back to the ATM finally its accepted the money but there is a massage popes up on the screen saying there is problem with ATM enter amount manually to confirm amount then enter manually {$3000.00} but Machine gave me credit for {$300.00} only then I called the manager for help told them what happened they told me they dont have access to the ATM call the phone number on the receipt then I did call them they gave me credit for that I didnt know that is temporary I thought Im good but two months later I received a latter oh they are unable to pay the claim that I did for {$2700.00} because they didnt find any money from the ATM and they said I walked out with the from the ATM which is not true bank is lying on both sources billing and video from the ATM I called them they reopen the claim twice but I received the same answer I asked them to show me the video but they are saying they dont have access to the video and the ATM so whos have the access to the ATM and the video they told me I have to get the subpoena from the court if I want to release that video from them but courts have currently very limited service I filed for subpoena and small claims today but court employees said they havent processed any small claim over a year because of pandemic theyre not sure they are going to process my small claim or not Im really helpless right know I lost my {$2700.00} I need to get that money from the bank please help me out this was happen on XXXX at XXXX XXXX
Consumer complaint received 2021-07-05
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 (IL)

I am writing to dispute the following information in my file-Cap One NA, DATE OF INQUIRY XX/XX/2021, I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union Literally charge me more than my rent in overdraft and returned check fees ( EVERY MONTH ) My account never ever dips negative, however they still charges me because they post their transactions the in the order they want so they intentionally be able to charge to predatory fees. They caused too many transaction to bounce just because i wake up almost every monday and i find 4x ( {$29.00} returned check fee ) and my balance can cover 4 of them, when i call they said the balance is not posted yet which makes me crazy because i can go to an ATM and take it all out. 
Here 's a list of overdraft fees charged by navy federal just in the last couple month equaling {$500.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$540.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$520.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$380.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$190.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$48.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- Those are the fees charged for allegedly claiming that checks bounces. 
XX/XX/2021 Insufficient Funds Debit - {$29.00} {$1600.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$580.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$550.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$140.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$170.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$550.00} XX/XX/2021 Returned Check Fee Debit - {$29.00} -- XX/XX/2021 Returned Check Fee Debit - {$29.00} I tried contacting them but customer server is so rude and takes over 20 minutes to respond.
Consumer complaint received 2018-12-04
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: REGIONS FINANCIAL CORPORATION (TX)

I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is Regions Bank the last one is XXXX XXXX
Consumer complaint received 2021-09-08
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. (IL)

I written a letter to Experian and XXXX disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. Experian and XXXX violated the FCRA. I contacted the United States Bankruptcy Court of XXXX XXXX of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what Experian wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Type of Record : Bankruptcy Reference Number : XXXX
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NY)

This is in regards to a collection reporting on my credit reported form LJ Ross Account # XXXX. After noticing on my credit report an account with the above listed account I reached out to find out what this is for since I was unsure what it was. They sent me a letter dated XX/XX/2020 which I will attach on this letter no information that would inform me what this is for. I sent another letter out XX/XX/2020 and XX/XX/2020 to which I got no response yet they keep reporting this information without properly validating the debt.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC (CO)

XXXX XXXX XXXX XXXX, an affiliate of Ability Recovery Services, has been soliciting a payment from me relating to a medical bill I paid last year.I called them and was not given any information relating to the bill or why I was being contacted by this third party. The person on the phone told me they were aware the call was being recorded then told me I was breaking the law by recording it.The representative then told me that I had said that I was refusing to pay the bill, which I did not do, and that they would be reporting me to the authorities for this infraction.This is a total scam, these people have bought my information with the expressed intention of intimidating me into paying a fraudulent debt.I cannot believe companies are allowed to put their names on paper and operate with impunity.I am writing my senator about this.I hope action is taken.
Consumer complaint received 2022-04-07
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 60 days straight with XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. 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 60days 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 21 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 PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-09-08
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 distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed.

Accounts false and unknown. The companies have not reached out as well.

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX  removed from Experian and XXXX  and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-04-07
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-11-23
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. (FL)

XXXX XXXX has recently settled a 33 state class action Lawsuit for predatory lending practices. In the settlement, XXXX has agreed to relieve all defaulted loans and help repair credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. Ive attached a copy of certified mail receipt as confirmation letter was sent and I requested deletion of this account. But unfortunately Experian has continue to report this account. Verifying it when I didnt request validation further causing me to wonder if an actual investigation took place? If not thats a violation within itself Despite the fact that other agency deleted the account please assist me with this matter
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024 i sent in my Dispute to Experian using USPS certified mail XXXX. I requested that Experian provide proof of investigation and proof of negative payment status for the following accounts showing on my credit report : XXXX XXXX  Flexible spending credit card with account # XXXX XXXXXXXX XXXX XXXX XXXX  with account XXXX XXXX XXXX Charge account with account # XXXX Experian responded that accounts were updated but all information remains the same on my credit report. Experian also DID NOT provide proof of investigation and proof of negative payment status for the following accounts listed above. I request that these accounts be removed from my account immediately The FCRA requires credit reporting agencies to report accurate and complete information. Under the FCRA, these agencies and the entities that provide them with credit information ( like lenders ) are responsible for correcting inaccurate or incomplete information in your report ( XXXX5 U.S.C. 1681e ( b ) ).

If a consumer disputes the accuracy of information in their credit report, the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate ( 15 U.S.C. 1681i ( a ) ). If the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Entities that provide information to credit reporting agencies ( furnishers ) must also ensure the accuracy of the information they supply. If a consumer disputes the accuracy of this information, furnishers are required to investigate the dispute and correct any inaccuracies ( 15 U.S.C. 1681s-2 ).