davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute with Experian on or around  XXXX / XXXX / XXXX  for an inaccurate bankruptcy reference #  XXXX  that was filed in  XXXX  showing on my report. On  XXXX / XXXX / XXXX  I received the results of the dispute online. The bankruptcy was " supposedly '' verified as accurate and remained on the credit report. I called Experian on  XXXX / XXXX / XXXX  and spoke to  XXXX . I asked her how the Bankruptcy had been verified and the source of verification since the information was not listed on the dispute results.  XXXX  told me that a third party vendor went to the court house in  XXXX  IL to verify the bankruptcy information. I placed  XXXX  on hold and called the bankruptcy courts (  XXXX  ) and spoke to  XXXX . I asked her if they verified any type of information on a bankruptcy for myself to a third party vendor for Experian and she stated that the Bankruptcy Courts do not verify or share information with Credit Bureaus or third party vendors for credit bureaus. I advised  XXXX  of what  XXXX  from the Bankrup tcy Courts h ad just stated.  XXXX  said she does n't know who the  XXXX  party vendor for Experian is and there is no way for her to tell me or verify whether or not t he 3rd p arty vendor actually did verify since the Courts just said that they did not verify anything. I asked to speak with  XXXX  's supervisor and was transferred to the fraud department where I spoke to a  XXXX  and she stated that Experian gets their information from  a 3rd pa rty vendor but she could not tell me the name of the vendor that verified the information. As per the FCRA a consumer has the right to know how information on their credit file was verified and also the name of the vendor that verified the information. P er Civil Action No.   XXXX   XXXX   XXXX   XXXX   XXXX  all credit bureaus must list the vendors that was used to verify information related to a consumers credit file. Experian failed to do that and because of the lack of verification the bankruptcy must be removed
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NY)

The alleged collection agency states I owe a XXXX  bill in the amount of XXXX. However, this is false. I paid my entire XXXX  bill in full before switching cell phone companies. This is in fact accurate because XXXX would not unlock my SIM card so that I may switch carriers WITHOUT paying my cell phone balance down to XXXX. This additional charge does not belong to me.
Consumer complaint received 2017-06-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc. (OK)

XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  XXXX   XXXX   XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between     XXXX   XXXX   after I have told them in the past to never call me at my job.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc. (FL)

I went to this urgent care due to  XXXX , I have insurance that pays for visits. I was seen by a Nurse because the doctor was seeing a patient who apparently was in a worst case scenario. Due to the diagnostic given by the nurse without taking x ray or any other precaution he determined that due to the fact that I was there before with   XXXX   he was going to diagnose me with  XXXX . I left the urgent care and called my insurance and informed them that I was not seen by a doctor but by a Nurse.     When I was billed I called the company and they agreed that the charges were going to be removed because I was not seen by a doctor, plus I had medical insurance that paid for my visit. I should not pay for a doctor that I never saw, plus the insurance will pay for any charges I have PPO. Now I see these charges in my credit report after  ( 5 )  years.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (FL)

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. 

Here are fraudulent inquiries on my Equifax : XX/XX/2022 XXXX XXXX XX/XX/2022 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc. (IN)

We purchased a  XXXX   XXXX   XXXX  in   XX/XX/XXXX  f or {$11000.00}. Due to impending divorce, vehicle was voluntarily given up to creditor. Last payment made to creditor was on   XX/XX/XXXX .  Balance on vehicle at this time was {$7500.00}. Creditor sold vehicle for {$3700.00}, leaving a balance of {$3800.00}. My Ex husband, who was the primary signature on this note, filed for bankruptcy.     The original  Creditor sold th e debt to  Creditmax , Inc in   XXXX   XXXX , IN. However, I never received a Writte n Validation Notice  from this company at the beginning of their debt collection process.     I n  XX/XX/XXXX  I  was summoned to Small Claims Court and a Judgement was issued for {$4900.00} ( see attached ) I was summoned aga in in  XX/XX/XXXX  for  a supplemental hearing. I was a  XXXX   XXXX   XXXX  at this time with no real income.   Fast forward   XX/XX/XXXX ,  I am working as a   XXXX   XXXX   XXXX   XXXX   and receive notice of a garnishment from Attorney  XXXX   XXXX , who is in house counsel f or Creditmax  . The debt is now an inflated {$6100.00}, to be garnished at 25 % of my earnings. I did attempt to make payment arrangements with Creditmax , Inc. for {$50.00} out of each paycheck, but I was denie d, stating that the debt was too old.   I also attempted to file bankruptcy, however, I did not have enough debt to be eligible to file.  Plus, it would have cost {$1500.00} or more to file. As a     single mom, I struggle just to make ends meet, so this has truly caused me financial distress.      As of today 's date, my employer has garnished the {$6500.00}, with the last payment being sent to  Creditmax, Inc  on   XX/XX/XXXX . T his is alread y   XXXX   XXXX  more tha n the mount in the garnishment order.   End of story, right? No!! My payroll department contacted m e on  XX/XX/XXXX  to in form me that  Creditmax, Inc has re quested an additional {$390.00} in accrued interest.     This type of collection process has to stop! How this is even accepted practice, boggles my mind. Maybe if we change some of the regulations, it would be more feasible for consumers to pay their debts.
Consumer complaint received 2017-06-14
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: TD BANK US HOLDING COMPANY (VT)

TD BANK  USA/TARGETCREDIT  Address :  XXXX   XXXX   XXXX   XXXX , MN  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....     I was currently flagged on my credit score/report for having a late payment from Target. I have reached out to the company to please contact the credit agencies since I never received any statements via email and/or mailing of a remaining balance on my CC ( which was only {$77.00} ). I have over  22  accounts in perfect standing, on time payments which far exceed the amount due to target. I immediately paid the balance due to target once I was alerted from a service I belong to on  XXXX . I feel as though Target should take the responsibility for not sending me the consumer any late payment warnings, no notifications and literally no monthly statements via email/mailing. I am signed up for both services and they have ALL of my contact information. I feel as though it was intentional to generate for late fee cost at their benefit. I 'm looking to having this negative taken off my credit report for in good faith I paid the balance immediately and for the companies lack of communication to me as the consumer. I should n't be penalized for 7 years on my credit report/score for their lack of notification and bills being sent to a consumer.     Thank you in advance  XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. I told Experian to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXXXXXX, Account name : Dept Of Ed XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : Dept Of Ed XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXXXXXX, Account : Dept of Ed XXXX  XXXX, Account : XXXX XXXX XXXX XXXX XXXXXXXX, Account : Dept Of Ed XXXX  XXXX, Account : XXXX XXXX XXXXXXXX, Account : Dept Of Ed XXXX  XXXX. However, they stated everything was complete and accurate BUT THIS IS NOT COORECT. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE REMOVE ALL ACCOUNTS ASAP!!!
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (RI)

Dear XXXX XXXX and XXXX XXXX XXXX XXXX, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day XXXX, being short and disrespectful about XXXX XXXX XXXX XXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.
Consumer complaint received 2022-08-10
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. (GA)

Equifax continues to provide false score on my report. The didn't exercise grave responsibility, have been unfair, partial, and didn't respect my rights to privacy. Lastly, they didn't have my consent to report anything. I demand that all negative items be deleted from my equifax report.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

A debt collection agency contacted me regarding a back internet bill from a previous tenant that was not me. The equipment was left in the unit. So I took it to ups and dropped it off for them after they contacted me. I didnt need to do this. But I went out of my way to do so. This collection agency has continued to contact me saying I owe money but I dont, they also say they have no record of the equipment being returned. 

The ironic thing is. I have a current internet service with the same company that apparently claimed the debt. So none of this makes sense. Its not my debt. Ive told them XXXX times its not, and they still continue to call me daily. They also just put a negative remark on my credit report. For {$59.00}. This is insanity.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (TX)

Deposited two transactions in Crypto.com {$500.00} and {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Website says can take up to 7 full buisness days it's been 9 if you count XXXX XXXX XXXX but at least 8. I contacted customer support yesterday and today. All they will say is they are looking into it. They allow you to use the deposits to " buy '' but not transfer crypto on the Crypto.com exchange but not transfer it off of the exchange while at the same time they also freeze your funds that were already cleared for use until the new funds are cleared. Many people are complaining about this online
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me, and found unverifiable, invalidated, inaccurate, and fraudulent inquiries that your agency did not make sure were reporting 100 % correct.

These inquiries below are fraudulent and would like them removed immediately.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts violation of not reporting 100 % accurate. 

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 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 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

I spoke with XXXX and she was very helpful so I am just trying to open a portal to up load my info and evidence. What is happening is my mortgage co. is raising my house payment saying there is a shortage in escrow for insurance and tax impounds so I sent them the {$900.00} they said I was short even though when I contacted my insurance they said it was fine they even sent me a {$210.00} refund for over payments so they are still raising my payments and threatening me saying they will not except short payments. I have called several times to no avail
Consumer complaint received 2022-03-03
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. (MI)

It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing.
Consumer complaint received 2017-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

This case filed Satisfaction of Judgment onXX/XX/XXXX per XXXX XXXX XXXX XXXX. OnXX/XX/XXXX H. Kent Hollins of Law Office of H Kent Hollins filled a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX inXX/XX/XXXX We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

We have cleared all accounts with XXXX XXXX and received satisfactory report from creditor, then we have been requesting XXXX and Experian to remove the unverified collection from my report they have not done and we did not get any more respond from them since XX/XX/2015
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (AZ)

Per Great Lakes, my account was put on hold for an audit by the Department of Education on XX/XX/XXXX and after the audit was complete, I now have new principal balances. A Great Lakes employee stated the reason this audit was done was to reassess the way the interest was capitalized in XX/XX/XXXX creating these new principal balances and that the Dept. of Education are able to do this at any time. 
The principal balance on one of my unsubsidized loans with the highest interest rate and the highest balance increased by {$760.00} while a few of my lower interest loans with lower balances decreased. I am now paying more in interest than I was before the audit due to this adjustment. 
The overall total principal balance of all my loans increased by {$200.00} and I am not sure how the Dept. of Education is allowed to readjust my balances at will.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX