davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DCI Credit Services, Inc. (ND)

I was contacted by DCI credit services at XXXX on XX/XX/2022. They were inquiring about an emergency room bill from a hospital. I informed them that all my hospital bills are on a payment plan with the creditor, and I would like the account number they are referencing so I could confirm the allegation. They refused to provide this information. I asked for a physical copy of the notice of the debt collection. They stated that they sent it in XXXX and will not send another one. I explained there is an issue with my local post office due to two people of the same name living in the same locale, and it may have gotten delivered to the wrong person. She said that they will not send another notice, and I am to immediately pay the debt. After multiple attempts to explain I never received the original notice, they stated that they refuse to send another one. At this point I fully believe the debt is illegitimate. I tell them that until I receive a physical copy via certified mail, I will not be paying this debt. They state they are not required to mail any notices of debt, and I need to pay the bill immediately.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Amsher Collection Services, Inc. (MI)

I have disputed Amsher Collection Service multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


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Consumer complaint received 2020-09-22
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)

There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.
Consumer complaint received 2020-09-22
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. (FL)

There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.
Consumer complaint received 2023-01-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CT)

Payment made on XXXX XXXX, 2017 to my wells fargo credit card .... the money was taken out of my checking account and is now being held for 15 days and I am sure I am not the only customer, so it seems as though they are using these payment holds to profit off their customers. I was on the phone for over a half hour attempting to get this resolved and was advised I could not be helped and that no departments that I needed to communicate with would be open for up to 4 hours and it was XXXX EST.. I had a deadline to make a particular payment, sent the funds to the card to benefit from the rewards and was declined.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Purchase some open box merchandise from BestBuy. Merchandise was labeled as includes everything except the manual. When I got it home it was missing all of the mounting hardware. Attempted to return merchandise but I was informed they do not do returns on functioning items for missing parts. Parts that are missing are needed for installation though. When I returned to the store they had several other open boxes of the same items and I suggested they just pull the missing items from another one and relabel that one as missing items. They said they could not do that and that I could only bring back a non functioning device. It seemed like he was telling me to go home and break the item then return it but this seemed dishonest. I just wanted the mounting hardware. 

Filed a dispute with Citi Bank which had no activity for over two months. I called to complain and within a week was told the dispute was closed and I would have to refer to the store policy on returning merchandise. I provided the receipt that clearly showed that nothing but the manual was missing.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I checked my credit report on XX/XX/XXXX to find that my collective Nelnet student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to Nelnet who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to XXXX. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.
Consumer complaint received 2017-08-10
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. (FL)

Hello so in summer XX/XX/XXXXand again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I know for a FACT it is illegal for an item to be added back to my credit report without you getting written notification 5 days prior to it appearing. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They declined and stated they will remain. I advised them the inquiries was n't authorized anyways and I been informed them of this so when they were deleted I thought they finally listened but for some reason they just came back. Can you please REMOVED ALL THE INQUIRIES BELOW because I this is n't fair at all. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

Company is Wells Fargo Bank in Maryland I called on XX/XX/XXXX to see if Wells Fargo could assist me with a problem I am having with a debit payment to a XXXX. The XXXX harmed me and did not provide the service I paid up front in full for with cash. They said they could reverse the payment and run an investigation. PAID - XXXX XXXX XXXX CLAIM- XX/XX/XXXX Money reversed around XX/XX/XXXX Money taken back out of my checking account XX/XX/XXXX Wells Fargo did not follow the procedures that are in place in handling a claim There was no letter mailed to me There was NO communication of any kind to me about the status of the issue I called about a month later and was told the XXXX has only a total of 45 days to respond and if there is no response the money remains mine. It was close to 45 days so I just let it go and waited. I did not receive any further communication and after 45 days, as I was told, understood the claim to be closed. Suddenly with out any warning, I receive a call about 2 1/2 months later at XXXX telling me the XXXX  sent in a response and the claim is open and never was closed. Of course, I was upset. At that time, XX/XX/XXXX, I requested all documents to be mailed to me for review. I was told that it is not allowed until the claim is closed. I informed the rep than how am I suppose to review and see what is going on? The call ended there because I could not get any answers or help. On XX/XX/XXXX I went out to dinner and tried to pay. This is how I found out my checking account was severely over drawn an amount of {$970.00}. Wells Fargo did NOT mail me any letter nor informed me at all about reversing the claim. This has caused me great suffering. I am in financial hardship. I have no money for food, gas, pay my mortgage and bills, nothing. I have been unemployed for 3 years and was surviving till I start my XXXX job XX/XX/XXXXafter 3 years. This is making me very ill and stressed out. I have made a plethora of calls all day for 7 days now and went into branches trying to get help with this matter. NO ONE CARES AND NO ONE HELPS. Wells Fargo continues now to send me over draft notices and threats they are going to charge it off, ruin my credit and report it to XXXX. Incredible. They will not listen to reason nor negotiate this and discuss it. They are bullying me. This is not ethical to do this and impoverish someone such as this. Please help me. I have until XX/XX/XXXX till this is written off and it further destroys me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (CA)

Hi, Department of EducationXXXX XXXX XXXX reporting inaccurate information on my credit report. There are three loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and XXXX XXXX XXXX keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX and newborn a new home. Please help.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

The collection agency in question is Kimball, Tirey, & St. John , LLP.

My issue with them is as follows : They were awarded a judgment against me by the California Superior Court and subsequently awarded authorization to levy my bank accounts. I paid the Levying Officer ( XXXX XXXX County Sheriff ) the full amount due plus all interest accrued up to the day I paid them which was XX/XX/2019. The XXXX  clerk verified the total amount due the day of and issued me a receipt for the payment rendered.

Several days after this I received a telephone call from Kimball, Tirey, & St. John , LLP attempting to collect the debt. I advised them that I had indeed paid the Levying Officer and that our business was done. The called the XXXX   and verified that I made the payment and stated that it was the policy of XXXX  
Levy Officer to payout judgments towards the end of the month and it would be three weeks before they received the payment. Now two days
ago, I receive a Memorandum of C

ost After Judgment from Kimball, Tirey, & St. John , LLP seeking an additional {$21.00} in interest ( apparently accrued during the time period they were awaiting payment from the Levying Officer ). I feel that this is extremely unreasonable on several fronts : 1. I can not control when the Levying Officer pays Kimball, Tirey, & St. John, LLP ; I paid the Levying Officer as directed by the court. 2. I paid all interest that accrued up until the very minute my payment to the Levying officer was received and I have substantiating documentation. 3. This Memo is supposed to be responded to within 10 days yet it was 10 days old when I received it. I believe that the actions of Kimball, Tirey, & St. John , LLP are unreasonable and unfair. I have nor reason to believe that even if I paid the {$21.00} that they would not com e back and say that there was
additional interest accrued since their Memo issued on XX/XX/2019. This could conceivably go on in perpetuity.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. 
The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called Money Gram and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a XXXX XXXX account because the account # on the check referenced a XXXX XXXX BIN XXXX. I called Money Gram back and requested they find out who had stolen my money. They told me that they are not responsible for stolen Money Gram Money orders and I needed to reach out to XXXX XXXX to get my money back. I reached out to XXXX XXXX, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I checked my credit report on XX/XX/XXXX to find that my collective XXXX student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to XXXX who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to Experian. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I put through a stop payment on withdrawals from my checking account in XX/XX/XXXX. The stop payment was on monthly electronic withdrawals from XXXX XXXX. Huntington Bank returned the XX/XX/XXXX payment. However, in XX/XX/XXXX the Bank did not catch the stop payment and put it through charging my account the {$68.00}. When I called Customer Service, I was told that because the electronic debit had a date behind the name, the Bank did not recognize this as the stop payment. XXXX XXXX always puts a date behind their name and it was not a problem in XX/XX/XXXX when it was stopped. All of a sudden it became a problem for the bank to catch it. Customer Service also kept referring to a paper check rather than an electronic debit which is how I had indicated the stop payment. Nothing had ever been said about a paper check.
Consumer complaint received 2017-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NC)

I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given XXXX XXXXXXXX permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).
Consumer complaint received 2021-09-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeland Recovery Solutions (CA)

I have received daily telephone calls from a company called LLR ( i.e. Lakeland Recovery Services in XXXX, CA ) threating to litigate a past due debt. Voice messages left do not comply with the Fair Debt Collections Practices Act as they do not leave their company name and threatens legal action if I do not call them back. I have retained such voice mails. More concerning is their attempts to contact extended family members and past employers, including my sisters husband. When I called the company on XX/XX/15, they informed me they are attempting to collect a debt from an online payday loan and did not have to comply with the FDCPR because they were a " mediator ''. This is false since they are collecting the debt and will accept payment of said debt directly. I have informed the company to cease and desist any further communication with associates, employers, family members and others. In addition, I have asked them to provide me written documentation of said debt since no one at the company has ever sent me anything in writing, either via email or regular mail.
Consumer complaint received 2021-04-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

The judgement in the amount of {$12000.00} was satisfied by garnishment. The garnishment order expired XX/XX/18. The company is still reporting a balance of {$2700.00} owed, on all three credit bureau reports. This needs to be updated. They are not entitled to the extra interest they are seeking or the judge would have included it in the judgement.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

i have more than 6 months trying to get validation of debt and i havent been provided with the results of validation of the debt. i submitted an ftc report and still no change. 
equifax XXXX XXXX  XXXX acct number XXXX