davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants Inc has called my phone number 6 days week up to 2 times a day since XX/XX/2018. I have told them do not contact me by phone use the USPS for communication. The phone number that is begin called is someone else phone number. 
The last call I received was today Monday XX/XX/2018. This company claims that I owe XXXX XXXX XXXX amount that was never discussed this information came from the person whom holds this number they are calling.
Consumer complaint received 2017-08-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to XXXX XXXX. Last year I had discovered XXXX XXXX had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. XXXX XXXX hired this debt collector, Weltman, Weinberg and Reis- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 XXXX accounts in XXXX and XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. WWR sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of Weltman, Weinburg and Reis Co., LPA on XX/XX/XXXX. Weltman, Weinburg and Reis are reporting this account however was opened in XX/XX/XXXX. Without letting us know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that WWR has double reported these debts and it should be deleted because the current creditor XXXX XXXX has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by XXXX XXXX. We are also working closely with our attorney on these matters.
Consumer complaint received 2021-08-09
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. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-08-04
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 — Problem with personal statement of dispute
Company: Northwest Collectors Inc. (IL)

I submitted a dispute with Northwest Collectors on XX/XX/XXXX for reporting a account that was incomplete or inaccurate information reporting on my credit report. The furnisher of the information which is XXXX XXXX XXXX provided me a statement stating that they do not have documentation upon which my first date of delinquency occurred on the account they reported as a paid collection. I DID provide this legal document as proof to Northwest Debt Collectors that the information is inaccurate or incomplete and that it needs to be removed from the credit reporting agencies to followthe FCRA Regulation 611 5 ( a ) ( I ) which states, " after any investigation under paragraph ( 1 ) of any  information is found top be complete or inaccurate or CAN NOT BE VERIFIED, the collection agency and or credit agency will delete it from a consumers credit report promptly. 
The collection agency ( Northwest Collectors violated my right under the FCRA Section 611 ( 4 )  which states, " with respect to the disputed information in the file of a consumer, the agency shall review and consider all relevant information submitted by the consumer in the period described inparagraph 1 A. Instead of taking into account the information that I received directly from the furnisher which states theinformation can not be verified, Northwest Collectors made up and furnished there unverifiable date  of delinquency from the account of XXXX XXXX XXXX office. This violated many consumer rights under the FCRA. It is not the job of a collection agency to make up or use there own information to report to a credit reporting agency, but it is there DUTY to report information directly from the furnisher. The information from the furnisher ( XXXX XXXX XXXX ) States the information can not be verified.
Consumer complaint received 2018-04-02
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. (AZ)

I have disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

After over 50 years of having Wells Fargo bank accounts, the bank randomly decided to close one of my small business checking accounts. Wells Fargo refuses to provide an explanation other than its a " business decision '' that can not be contested and will not be explained. The account in question has an average balance of over {$10000.00} and has never had a bounced check or a deposited check returned for lack of funding.

This causes a great hardship as I am forced to find a new bank AND I will have to close my other five accounts with Wells Fargo as I will not know when or if they will decide to randomly close these as well. We all know Wells Fargo is a corrupt and crooked operation but I chose to stay with them because of the hardship I would have to move accounts. I live in a small town and banking choices are very limited.

I know there is an active investigation regarding this matter with Wells Fargo and would like my complaint to join this effort.
Consumer complaint received 2017-09-02
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. (ND)

I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
Consumer complaint received 2023-01-28
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-07
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACEPTANCENOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

I demand that the following account be verified or removed immediately
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

On XXXX XXXX, 2017 I attempted to make a purchase at XXXX 's in XXXX, XXXX and pay for it by check in the amount of {$630.00}. The check was declined by Certegy, the XXXX 's vendor, and I was given a phone number to call for information regarding the decision. After numerous attempts I finally spoke with a customer representative and they could give me no specific information regarding the reason ( s ) why this happened. I received a letter from them stating that the decision was based on risk profiles established by Certegy. They stated that there was no derogatory information on file regarding me-as confirmed in their Consumer file report which is attached. To decline a transaction without reason is derogatory. To provide false derogatory information about an individual is unacceptable. Furthermore, to ignore the request to provide information that was used to that individual in order to correct a mistake is unacceptable. To share this inaccurate information/decline with another company that provides similar services which may impact future transactions is unacceptable. THis information was shared to Chex Systems Inc.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

I was shopping around for lenders for a conventional mortgage loan. I did end up finding a more competitive interest rate with a credit union and after letting Waterstone Mortgage know of my decision ( nothing had been formally signed with them ), I was harassed and sent an extremely degrading and unprofessional email. XXXX XXXX ( The mortgage advisor that had been assisting me ) even called the listing agent to try and sabotage my purchase on the home! I do have the email on hand. Horrible way to treat a customer and extremely unprofessional.
Consumer complaint received 2018-06-01
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. (IN)

XX/XX/2018 I HAVE TRIED TO CALL EXPERIAN ON SEVERAL ATTEMPTS AND WROTE LETTERS TO THE COMPANY FOR THE LAST THREE MONTHS STATING THERE NOT SUPPOSE TO PUT MY BANKRUPTCY ON MY CREDIT REPORT THIS IS THE ONLY AGENCY THAT FAILED TO COMPLY, SEND THEM BANKRUPTCY LETTER THAT THE COURT HAS PROVIDED ME STATING THEY DO NOT REPORT TO CREDIT BUREAUS XXXX AND XXXX DOES NOT HAVE IT ON MY REPORT BUT EXPERIAN HAS GAVE THEM THE DOCUMENT STATING IT DOES NOT GO ON THERE STILL NO RESULTS ON ANSWER FOR EXPERIAN CREDIT BUREAU.
Consumer complaint received 2023-01-28
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. (OR)

I have reported several time to XXXX credit reporting agency and Transunion credit reporting agency that the Account name : XXXX. Account number : # XXXX. 
This account has been reported as part of BANRUPTCY FILLING AND/OR DISCHARGE in court case number # XXXX It is Required by STATE LAW that not payments should be required at any time. 

XXXX credit reporting agency and Transunion credit reporting agency have Violated the State Law and 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.by reporting in my credit file that I own Such a debt. 

XXXX XXXX creditor has communicated with the above credit bureau about this issues with the Account name : XXXX XXXX. Account number : # XXXX. 
But the Credit Reporting Agency Ignores the Law by negligence and continues reporting negative inaccurate information on my credit file.

Violating my consumer rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX has admit that I'm a victim of identity theft I had contacted the creditor multiple times at XXXX and they agreed to remove the Account number : # XXXX from my credit file
Consumer complaint received 2020-03-27
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. (TX)

I have sent three letters to Equifax about the violation of my FCRA rights. All certified mail and one of them notarized. They have responded by email that they would investigated and would respond in thirty days. They have sent out the same letter asking me to identify myself. I have included in each letter my drivers license, Social Security, and a W2 form with my address and Identification as well as the previous letters I sent. They have been doing this stall tactic since XX/XX/2020. 

I have all receipts from the Post office from the returned receipts that were stamped or signed by someone from Equifax. They have not responded within the 30 day timeframe of investigating inaccuracies on my credit report. 

They have violated my FCRA rights and haven't conducted any investigation into the erroneous inaccuracies on my credit report.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I called American Express serve card on XX/XX/XXXX informing the customer service professional and account security fraud department that I was having trouble accessing my online account due to the fact the security 6 digit code thingy kept coming in slow and everytime I try to resend another code a new code will come an it wont work then lock me out my account then I lost my card and I was trying to transfer money to an sub account until my primary account card come through the mail. But I have spoken to 5 different customer service representative they were all rude and disrespectful on the phone. They hung up in my face when Im trying to resolve my account I had verified my account and also my pin code and still locked out of my account. I ask to speak to an supervisor and everytime I ask they hang up and when I call back they put the phone on hold for 2 or 3 seconds an impersonate as a supervisor an still no help. I ask to get corporate number to make an complaint I was told they do not have a corporate email them. I just want to be able t no access my funds I have a XXXX XXXX  daughter and I cant get her the things shes need because I cant access my money and the run around about unlocking my account
Consumer complaint received 2020-05-14
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}
Consumer complaint received 2020-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I emailed Navient about my loan which I started paying back in XX/XX/XXXX. The original loan amount was {$6700.00} and now, 10 years later, my loan amount is still {$5900.00}. I make my monthly payments and after 10 years of paying it is still that much? So, after emailing them, I got a response in the form of a letter. My middle initial was wrong, my loan number was wrong, they said that I defaulted on two loans in the year XX/XX/XXXX, which I was in the 6th grade in year XX/XX/XXXX, and they say that they no longer handle my loans. They are telling me that my loans are now being handled by XXXX XXXX XXXX XXXX and my information is no longer on Navient.com. I am able to look up my information on Navient and I have been making payments on Navient.com. Please advise me on what to do???
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (PA)

I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX  taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.