davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (GA)

This company has been calling every phone number we have for 2+ years and we have told them numerous times to stop calling and that the debt is invalid because it was coded incorrectly at the medical office or the insurance would have paid it. This is a company that bought the debt so they do not care. Every phone call was abusive on the collectors part including yelling, offensive language and threatening us by telling us he will call as much as he feel like calling. We have told them this is disputed and we will not pay. I finally mailed a cease and desist letter " certified '' on XX/XX/XXXX. I have receipt that it was received and they still call.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (GA)

I am writing in response to updating my address along with my phone number in all 3 credit agencies. I have tried to figure out how to do it but can't and seem to get no help when I call. All I am asking is that my address and phone number be put on my credit report and all fraud and freezes be removed from my credit reports.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (TX)

Debt Collection Company : Alliance One Alliance One repeatedly calls my number looking for my brother. 

I have asked for a C & D multiple times and have informed them that this is the wrong number. They still call. They are trying to reach my brother not me. Isn't this a violation of NPPI? I am not an authorized user on his account.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

Southwest credit systems, l. P. Is furnishing Incorrect and inaccurate information. The account number they have down is incorrect. Southwest Credit Systems purchased a debt from XXXX XXXX. The account number says XXXX XXXX XXXX is simply the wrong account number which makes this inaccurate in incorrect information in Southwest Credit Systems must be removed and deleted from my credit report.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2017-09-15
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. (MT)

I was a victim of the Equifax Credit hack. This could have long term and significant impacts on my ability to grow my business and access credit. Furthermore, I am upset about Equifax 's handling of the issue. They have lied and obfuscated at every opportunity and rather than trying to decrease the impact on american consumers they are trying to preserve their image. I would like to see Equifax forcibly dissolved and criminal malfeasance charges filed against the CTO, CEO and CFO.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

After requesting a balance transfer in the amount of {$12000.00} on XX/XX/2019 I was told that the transfer would be complete within two weeks. I logged on to the two accounts involved and both showed a balance for the amount of the balance transfer ( {$12000.00} of my XXXX XXXX XXXX account and {$12000.00} on my Union Bank account ). On XX/XX/2019, I made a phone call to XXXX XXXX XXXX which is the creditor that was supposed to be credited for the {$12000.00} balance and was told that there are no pending payments on my account. Then I called Union Bank which is the creditor that I requested the balance transfer from and was told that my request was stopped on XX/XX/2019. The representative tried to get a hold of an individual named XXXX XXXX to resolve the situation but was unable to reach her. She provided the direct phone number to XXXX for me to try and call her myself. I asked if anyone else was available to help me and her answer was " XXXX is the only individual that can resolve this matter. '' On this day, I made numerous attempts to reach XXXX and left voicemails for her to call me. I tried to contact customer services again to ask for anyone else that can assist me. All of the representatives, including the shift supervisor were not able to find any other contact. They all attempted to reach XXXX and yet no one was able to connect with her. Union Bank  has caused me extreme stress, and kept me away from my job dealing with this matter. They have neglected to reach out to me promptly to resolve what seems to be a simple issue with their system flagging my transaction. There has been no mail, phone calls, emails, text messages or notifications of any kind. The only way I became aware of this situation is by calling them myself.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (LA)

I recently viewed my credit report and found a debt that was being reported by Receivable Recovery LA XXXX XXXX XXXX XXXX. XXXX XXXX La XXXX. This debt does not belong to me. I do not have, nor have I ever had a contract with Receivable Recovery.

I sent a U.S. Postal Certified Letter on XX/XX/XXXX ( # XXXX XXXX XXXX XXXX XXXX ) asking them to validate this debt and to send any signed contracts I have between myself and with this company. I do not have, nor have I ever had a contract with Receivable Recovery. 

According to the Fair Credit Reporting Act, the creditor has to prove this account indeed belongs to me. My letter to this company was sent more than 30 days ago. I'm also concerned with the Hippa Violation of this medical bill. 

I have called this company several times with no returned phone calls. 
This was placed on my credit report on XX/XX/XXXX for the amount of {$640.00}. 

This error has caused great difficulties in me gaining credit, I demand that this negative listing be removed immediately from all credit bureaus.
Consumer complaint received 2017-07-13
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. (NC)

XXXX is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
Consumer complaint received 2021-04-22
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. (IL)

I have one account reporting a past due payment with XXXX XXXX and I have submitted documentation. All I get back after waiting month after month is this account has been updated and nothing changed. 


Second is XXXX XXXX  is reporting an account that is not mine. I paid the month they have in question and submitted documentation to prove it on my account number. I dont know what account that is I never owned it.
Consumer complaint received 2021-04-22
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX DOB XX/XX/XXXX Account-XXXX XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Trans Union There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for One Nor WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for NOR WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX XXXXXXXX One of them has done 21 inquiries & NEEDS TO BE STOPPED Trans Union hasn't started disputes 30 days is up XX/XX/XXXX.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). Transunion has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CO)

On XX/XX/XXXX I contacted ACS Education Loan Services to inquire about the payment history on my account. I consolidated my federal student loans back in XX/XX/XXXX for a fixed 6.625 % Interest Rate. The original loan amount was {$38000.00}. I have faithfully made payments of {$330.00} a month since then. Automatically pulled from my bank account every month. That is {$4000.00} a year I have paid on my student loans. 10 years later the outstanding balance on my loan is {$33000.00}. So I have only paid {$4800.00} on my principal balance in 10 years. How is that possible?! I looked at my payment history and noticed that the payments applied to principal and interest every month varies. Consistently, over 50 % of my payments and in some cases even more than that ( 2/3 of my monthly payment ) is applied to interest each month. Is that normal? Still trying to understand, I asked if they could forward to me an amortization schedule and was told that they could not do that. At this rate, I would n't even be able to payoff my student loan with a 30 year loan term. Does n't seem right!
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I was checking my credit score on credit karma, I noticed I had a debt owed to XXXX XXXX XXXX XXXX reported on XX/XX/2020 as debt owed for {$520.00}. I have never stepped foot in this location, I had to XXXX the place and found its located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. When opening the reviews of this location I realized all the negative reviews from people experiencing the exact same situation with this business charging them a medical debt when they have never stepped foot in that location. I feel extremely unsafe that they somehow got a hold of my information and were able to make damage to my credit and I have never stepped foot in that location.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I have multiple balance transfers on my CitiBank Mastercard with different promotional interest rates and end dates for those promotional rates. I also have a small standard purchase amount ( annual fee billed directly to the card by the card company. ) I have been paying extra above my minimum payment each month. When I took a look at how the extra payment has been applied, it appears to me that it is NOT being applied according to the regulations of the CARD act. My understanding, based on the materials on this site as well as supplemental reading elsewhere, is that when you have multiple balances with different interest rates, the credit card must apply payments first to outstanding interest, then to the balance with the highest interest. If multiple balances are at the same interest rate, then they should apply the payment first to the balance with the promotional rate that ends first. 
It appears based on my statements that instead they are applying payments first to outstanding interest, then to the nearest promotional balance, with a tiny amount going towards the standard purchase amount. My calculations show that my standard purchase amount, which is at 16.49 % interest rate versus 1.99 % or less on the other balances, should be approximately half the balance it currently is if the payment was applied as I understand it should be. This was not an issue until the card was charged for the annual fee and thus had a standard purchase balance. 
I did attempt to contact Citibank, but was put on hold for an extended time and gave up. I read their website but was unable to find a description of how they apply payments in this situation. 
Therefore, I am filing this complaint. I have attached all statements, which show both payments made and the breakdown of balances and interest rates, going back to XX/XX/2017the month prior to when the annual fee was charged to the card.
Consumer complaint received 2024-03-04
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Collection Management Holdings, LLC (TX)

Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX : Initial Debt Collection Agency Current Creditor : XXXX XXXX XXXX, XXXX Alleged amount owed : {$1300.00} Current Collection Company : Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX I took my son to XXXX XXXX XXXX XXXX on XXXX. I was over billed and also billed for services not rendered. I disputed these physician charges and eventually, it went to XXXX, a collection agency. I made an agreement with XXXX on XXXX to pay on {$670.00} to settle the debt. On XXXX, I received a letter from XXXX starting that " it has been closed with our Agency ''. 

Credit Management Company now ( XXXX ) claiming I still owe {$1300.00} and reported me to all three credit bureaus. I have reached out to the collection agency but unable to get them to take me off the credit reports. 

I am requesting CFBP for assistance.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

XXXX XXXX XXXX is attempting to collect debts from me.I never established a contract with this company. A debt collection company has no legal right to collect a debt from me because they purchased a debt. They are also in complete violation of the FCRA law.
Consumer complaint received 2017-07-13
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. (NC)

Transunion & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, Transunion, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2024-01-29
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

This company is reporting an address that I dont live at. Ive ask to have it removed but they refuse to remove it. According to your law its my right to dispute any I inaccuracy on my report and have it removed as a consumer protection. Law 15usc1681e ( b ) ( a ). This company is violating the law and my right as a consumer. I have also come to find its been multiple complaints as well as law suits filed against this this company for the same reason.