davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NJ)

I have contacted the fraud department around XX/XX/XXXX for Eppicard for my NJ XXXX support. They cancelled that card and issued me another card. I called them XX/XX/XXXX to inquire why my account was negative and that's when I was informed that they took the funds back they had credited for those fraud charges, I went to the XXXX  Police barracks, XXXX  XXXX  that same evening to file my report. They denied my claim as they stated " conflicting information '' but after reading many reviews on Consumer Report that is their standard format go to excuse for all of us. I have filed a police report with my local XXXX Police, # XXXX. They, Eppicard never told me to do that initially and they did in their denial letter. Which is now completed. I am not holding out hope but this seems to be very common for them as they do not protect us, their consumers or help to really rectify the problem. My next step is to file a report with Federal Banking Commission. I have several charges for three different XXXX  's XXXX hours away from my home that I do not shop at. I have a XXXX  10 minutes from my home. Charges for a XXXX XXXX  XXXX XXXX in XXXX XXXX California, XXXX XXXX. These are not my charges and will be more then happy to send you my statements that the Eppicard could have referenced to see my shopping habits if their Investigation Department actually did the job.
Consumer complaint received 2020-05-04
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: ENOVA INTERNATIONAL, INC. (GA)

I HAVE CONTACTED THE COMPANY SEVERAL TIMES TO NOTIFY XXXX  CREDIT AGENCY TO REMOVE ALL NEGATIVE ITEMS AND AS OF TODAY 'S DATE NOTHING HAS BEEN DONE BY NET CREDIT. I HAVE ALSO FILE SEVERAL CFPB COMPLAINTS AND NET CREDIT REFUSES TO COMPLY.
Consumer complaint received 2020-10-20
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (NY)

On XX/XX/2018at XXXX  I received a phone call from XXXX XXXX XXXX XXXX. At this point in time we negotiated a payment plan of {$50.00} a month by paper check for 8 months until the debt is payed off, and to send me a bill each month. They agreed to the terms and I sent them the first payment. Since that point they have called my over 15 times, and have not sent me bills as per our agreement. They have cashed the first payment yet they still refuse to stop calling me. I have notified them when I sent in the payment that they were harassing me with non-stop phone calls in a letter I attached to the payment and the continue to persist in this harassment, abuse and annoying repeat phone calls from number XXXX  attached below is a list of my call log you can see for yourself how many times they have called me since the XXXX, sometimes multiple times per day ... repeated harassment
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am frustrated with your bureau 's inaccurate reporting of a late account. Despite the bank 's confirmation of inaccurate information and an agreement over the phone, your compliance is overdue. 
Account Details : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Inaccurate Reporting : XX/XX/XXXX, XXXX
Consumer complaint received 2023-01-31
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (OR)

I sent to RMP Services LLC, a debt validation letter on XX/XX/2021, via USPS and email, and requested to be sent, in writing, about the validation of this debt. I have received no information regarding the validation or the correctness of this account. I hearby am requesting an inquiry into this account in hopes of it being removed from my credit report, due to them not responding to the validation letter. I will upload a sent copy of the validation letter that was sent out to XXXX XXXX.
Consumer complaint received 2023-01-31
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX A XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

AFFIDAVIT OF TRUTH Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder. 

TransUnion is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXXXXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX # XXXX 8 ) XXXX # XXXX 9 ) XXXX XXXX XXXX XXXXXXXX # XXXX 10 ) XXXX XXXX XXXX XXXX # XXXX DEMAND FOR REMEDY of {$10000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

TransUnion is reporting my name incorrectly as XXXX XXXX XXXX and XXXX XXXX XXXX which are, in fact, incorrect and in violation of my FCRA consumer rights pursuant to 15 USC 1681 ( b ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion furnished a copy of my consumer credit report to following parities without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR REMEDY OF {$28000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Requested information on my consumer file each time an investigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

TransUnion negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence
Consumer complaint received 2023-02-22
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. (MO)

I've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2020-05-04
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)

I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Celebrity Financial, Inc. (CO)

We purchased a loan with Celebrity Home Loans ( phone XXXX ) on XX/XX/2021 for the loan amount of {$350000.00}. We made a {$80000.00} principal payment on XX/XX/2021 leaving the balance of {$270000.00} after also making a normal monthly payment of {$1700.00} on XX/XX/2021. 

On XX/XX/2021 our loan was sold from Celebrity Home Loans to XXXX XXXX Mortgage XXXX phone XXXX ) at a principal balance of {$350000.00}. 

I contacted XXXX about our principal balance being wrong and they said contact Celebrity Home Loans. I did this and they said it can take 60 days to transfer everything. 

Our loan was then sold again to XXXX XXXX XXXX XXXX phone XXXX ) for {$340000.00} and now has a current principal balance of {$340000.00} after receiving a payment XX/XX/2021 for {$1700.00}. 

I contacted XXXX about our principal balance being wrong and they said contact XXXX XXXX XXXX. I did this XXXX they said contact Celebrity Home Loans. 

I contacted Celebrity XXXX XXXX today XX/XX/2021 now over 60 days from being sold to XXXX XXXX XXXX  XXXX they show the principal balance as {$0.00} and have no ability to show me the details of the loan sold to XXXX XXXX XXXX  and Celebrity says it should be ok. 

In this time our principal has been transferred wrong and we are paying an improperly amortized payment due to the interest we saved with our large principal payment and also are losing on paying PMI which would have been able to be removed after we reached 20 % equity.

Help please. Do we need to get an attorney. Im able to make another large payment and dont want to have this messed up again.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (AL)

The company in question spoke to my dad about a debt that they purport to belong to me. They not just spoke to him but tried to get him to make a payment on the debt even after he told them to send me information on the debt to my address by mail. The agent still kept asking him how much he was able to pay on the debt. I also see that they are reporting the debt on my credit report with false an misleading information such as the date the debt was opened. They list the original creditor as XXXX and said that the account was opened on two different dates. On XXXX  they have the date the account was XXXX. On XXXX  its listed as opened on XX/XX/XXXX. the debt is not reporting on XXXX. 

XXXX  has the date last active as XX/XX/XXXX, XXXX  has it as XX/XX/XXXX -
Consumer complaint received 2020-05-10
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. (VA)

Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Return Transactions Tran Type Check Check Balance Information : Month/Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Balance {$0.00} {$0.00} {$1000.00} Check Number Amount Return Reason Account Closed Account Closed where is my retuned check?
Consumer complaint received 2023-01-31
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. (WA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX
Consumer complaint received 2023-01-31
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY (FL)

This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.
Consumer complaint received 2017-08-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC. (CA)

I attended XXXX XXXX College inXX/XX/XXXX and the school did not provide the promises they made for job placement and graduating in 18 months. I withdrew from the college when they said they could not provide the credits necessary to complete studies in the promised 18 months. There were two attempts to secure employment with interviews that yielded 0 offers.
From day one to this day, i refute being responsible for these predatory loans that were written in fraudulent intent. They wanted to extend the loans beyond the 18 months that we were not agreeing to.
When this fraudulent action was finally discovered in XX/XX/XXXX-XX/XX/XXXX, i filed to get our loans discharged that were in default. Instead, ECMC decided to take drastic actions now and withheld {$9000.00} from my wife 's return in XX/XX/XXXX. I called to setup a rehabilitation repayment but they instead went ahead with wage garnishment of 15 %. I know this is all legal, but it is a hardship on our part but of course not according to their qualifications for hardships. Homeless, utility disconnections, etc.
They should have never been allowed to puchase the XXXX XXXX just to retain status to continue collecting on these pedatory loans. I 've read many former students in the same situation getting hard tactics to collect on these loans.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc. (VA)

In or around XX/XX/2021, the company reported to the three major credit bureaus false or misleading information that adversely impacted my creditworthiness. The company, for example, told the Office of the State of Maryland 's Attorney General that the {$6000.00} did not include assessed collection fees. However, on or about XX/XX/2021, the original creditor, XXXX XXXX and XXXX XXXX, confirmed that the amount had an assessed {$2500.00} collection fee. When a complaint was filed in accordance with the FDCPA, the original creditor, through the collection agency, attempted to " clarify '' that the {$2500.00} was for a reversed provider adjustment and not a collection fee. Despite these significant differences, the collection agency continued knowingly reporting the original amount. The previously stated assessed collection fee showed as the " balance '' of the debt, which violates the FCRA and the FDCPA. 

Next, the company failed to provide the agreement specified in Section 808 of the FDCPA. When asked for evidence that the original creditor was permitted to collect a fee, the company repeatedly provided an agreement dated eighXXXX days after the service date and when the debt was originally incurred. Despite this materially significant factor, the company has continued to report, in the balance, an amount that includes collection fees on which there is no agreement authorizing the company to assess any such fee. 

For these reasons, I believe the company has violated the FCRA and the FDCPA and has knowingly employed prohibited practices in attempting to collect this debt.