davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (TX)

My bill was never the right amount for each month, it steady kept going up rather than the amount I signed up for. 
XXXX : XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I  'm on an fixed income and i 'm not able to pay the balance. I keep getting harasst from these two phone companies on a daily basis. 
I was told that my bill would n't be on my credit but it did. 

here is the address from the debt collectors AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2022-08-11
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. (CA)

I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.
Consumer complaint received 2022-08-11
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)

n accordance with the Fair Credit Reporting act 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 2021-09-10
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. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-11-17
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: EQUIFAX, INC. (CA)

There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor XXXX XXXX XXXX XXXX has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I have a checking account with Citi Bank ( the bank 's routing number is XXXX ). The last 4 digits of my checking account number is XXXX. On XX/XX/22, I logged into the online account to schedule an outbound ACH transfer of {$25000.00} for XX/XX/22. However, on the date when the scheduled ACH transfer was supposed to get going, I was first notified that the transfer attempt has failed, with a reference number XXXX. ( Evidence record can be provided upon request. ) However, despite that the transfer request failed, Citi Bank still withheld/locked the fund ( {$25000.00} ) instead of releasing the money back to my checking account for weeks. And, despite that the transfer failed, in the account transaction history it keeps showing as a pending transaction. What's even more ridiculous is that the " transaction date '' of the fake/erroneous pending transaction keeps moving every day. For example, on the date this issue occurred, the " pending '' transaction showed with a transaction date of XX/XX/22. The next day the fake transaction date changed to XX/XX/22. And so on. It was as if the transaction just got initiated on each day. And let me stress again, these are all in spite of the transfer request being called as " failed ''. I have tried to talk to the customer service department, the tech support and the dispute team for a humongous amount of times since XX/XX/22. Every one only knew to pass the buck and I got transferred among them in circles. Very incompetent employees and very incompetent banking system. I need to report this to the XXXX  now for a real resolution ASAP. At the meantime, because this has been equivalent to Citi Bank stealing money from me which belongs to me but not the bank, if this does not get resolved appropriately and properly right away, this has become a fraudulent banking practice to be reported to the police and/or brought to the court with my lawyer. Thank you.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from TransUnion, XXXX, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I've been communicating with the banks concerning the 20 NFS fees I've collected on this account. Most of them are due to the fact of allowing certain merchant to send things to my account. This has caused sufficient stress because I'm unemployed and doesn't get Unemployment.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (WI)

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX Dept of ED/Aidvantage  acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX, XXXX, XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''.

Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. 

On XX/XX/2023 I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and XXXX meanin

g the information on my consumer report is incorrect. Debt of Ed/ Aidvantage was removed from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (VA)

On XX/XX/2021, I was notified through my credit monitoring service that my account with Webbank/Mosaic had been reported as closed and that the balance was now {$0.00}. I just opened this account in XXXX, so I checked my credit report to find out what was going on and my Equifax report showed that indeed the report is now reporting as closed with a {$0.00} balance. I called on that day and was told that there was no one available to assist. On the following Monday, XX/XX/2021, I called and was told they had to escalate to a higher group to investigate and I would hear something in 3 to 5 business days. I called back after 6 days and was told it would take longer. On XX/XX/2021, I was told there was still no resolution and the best way to resolve would be to send an email. I emailed and received a response today saying that the loan was not paid off and I could provide proof of payment. They completely left off the part about the credit reporting. 

This is a violation of the Fair Credit Reporting Act. They are not reporting correct information and the loan is not reported to either XXXX  or XXXX. They need to address the actual issue of the incorrect reporting to my credit report and not something I didn't say.
Consumer complaint received 2022-02-16
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-03-06
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. (AZ)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has been calling me multiple times a day even after being instructed not to contact me by phone. The person I spoke with said they do not recognize a not call list. This problem has been getting worse to the point where they called me 9 times in less than a minute while Iwas at work.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

have attached 2 complaints against XXXX XXXX. I has disputed XXXX XXXX of Georgia that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1.  For reporting an item that had already been removed 2. Not responding in a timely manor. 3.  Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. Please remove immediately.
Consumer complaint received 2021-02-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (NV)

Last XXXX I was contacted by a Representitive of New American Funding to refinance my current mortgage and save a significant amount of money every month due to lower interest rates. I agreed and was contacted on XXXX by Sr Loan Officer XXXX XXXX XXXX Broker Solutions Inc., dba New American Funding. He told me that he could lower my interest rate by 3/4 points and save XXXX a month as well as recieving approximately four to five thousand dollars from my current escrow account. I agreed and I started the refi procces on XXXX. On XXXX I was contacted by loan processor XXXX XXXX XXXX to process the loan. He reiterated what Mr XXXX told me about the money comming back to me. During the procces the amount returning to me went from XXXX to XXXX which I signed off on it at the time. On XXXX I formaly signed the final closing docs with a notary. The document clearly showed that I was to receive XXXX once the loan was funded. When funded I recievee a check for XXXX dollars. I asked Mr XXXX about the discrepancy and he told me that he didn't know what happened. He asked his supervisor and he didn't know either. On XXXX on audit was performed by XXXX XXXX Senior Customer Specialist with New American Funding. She wrote that on XXXX a report was processed of the correct payoff statement nine days before I sined the final closing doc. I tried to contact her but she was unavailable.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Received repeated phone calls concerning a XXXX account. Requested name and address of original creditor, copy of signed contract, delegation of authority, and a complete accounting / statement of payments, interest, and fees associated with the collection account. This information has not been received from the debt collector, yet I am repeatedly harassed with voluminous phone calls
Consumer complaint received 2017-09-13
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. (NY)

XXXX allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, XXXX Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

XXXX as a company should not be allowed to exist. It should not be allow to simply change its name. XXXX board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, XXXX XXXX Experian and similar companies must have comprehensive review and oversight.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

XX/XX/XXXX, I received an email collection attempt from COLUMBIA DEBT RECOVERY DBA GENESIS XXXX XXXX  XXXX XXXX, WA XXXX The email was only stating the amount owed. I responded the next day on XX/XX/XXXX with clear language that I disputed the validity of the debt in its entirety. 

The collections agency did not send me a debt validation letter and continued to pursue their collections attempt and had reported this debt to the three credit reporting agencies which lowered our credit score. I did not receive a debt validation letter until I made a second request on XX/XX/XXXX after I had already disputed this debt with the 3 credit reporting agencies.

This agency also ignored the evidence that I had provided contradicting their claims that I had caused damage. This was done in bad faith as I have provided photos showing no damage to our carpets yet the agency continues to claim I had caused damage yet refuses to provide evidence there is any damage to the carpets.
Consumer complaint received 2019-03-06
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. (AZ)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-07-01
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get some things off my credit report with XXXX, XXXX  and Transunion that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.