davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

Harassing phone calls. I have never missed a payment but recently had XXXX surgery which requires months of recovery. I called them to explain my situation and since then I received phone calls constantly on my cell phone everyday. When asked to please stop calling, they said we ca n't because you 're on an automated call system. It took talking to XXXX reps. before XXXX of them agreed to take my number off. 
Since then they call my home phone at least XXXX times a day until I answer. This has become harassment now. I am at home trying to recover from my surgery and they just wo n't stop calling.
Consumer complaint received 2022-12-07
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: ENOVA INTERNATIONAL, INC. (AZ)

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

I have disputed these 6 accounts multiple times, and I have not received anything in the mail from " Arcadia Recovery Bureau '' AT ALL! I am not sure the company even exists, I keep finding a college called Arcadia when I XXXX search, does this college teach credit reporting? I have no idea what to do or who to turn to. PLEASE HELP ME! 6 ACCOUNTS ON MY CREDIT AND THEY CAN'T EVEN SEND ME ONE PIECE OF MAIL! OUTRAGEOUS!
Consumer complaint received 2022-12-07
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: Center Street Finance, LP dba CSF Servicing (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account XXXX open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MS)

Phoenix Financial Services LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
Consumer complaint received 2022-12-07
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. (TN)

15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. 
They are reporting incorrectly on all three reports.
Consumer complaint received 2022-09-26
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX has violated my rights.

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

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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 2022-06-06
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. (MO)

I recently disputed hard inquiries from the companies listed below. te dispute was initiated by mail. Experian responded that they haven't received any mail dispute from me since XX/XX/2022. When in fact Experian contacted me on XX/XX/XXXX XXXX staing that and investigation was completed and the fraudulent inquiries remained. i have a copy of the letter used to request the investigation. It seem Experian never did any investigation because they deny receiving the document which initiated the dispute completed on XX/XX/2022 XXXX XXXX Bank U.S. Small Business admin
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

On XXXX XX/XX/21 my bill for {$130.00} did not go through when I was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never called or notified me the rejection and gave me this late payment. 

Sincerely.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC (AZ)

In XXXX of 2021 i Tried to get solar on my house I went through XXXX XXXX XXXX they had me do a loan with Mosaic I canceled XXXX with XXXX XXXX  after mosaic put a lien on my house Which I was told that they would only put a lien on the solar panels so they messed up my refinance of my house and to get the lien removed I had to pay {$250.00} I canceled with XXXX XXXX and do the paperwork I also told Mosaic I have canceled and I had told XXXX XXXX  as well it took them till XXXX And constant fighting to have them submit the paperwork to each other that I had closed the solar and wasnt continuing and the loan was not mine finally XX/XX/XXXX I got a letter from Mosaic saying my account was closed and that any money I had given was going to be paid back and since then I have gotten a letter from debt collector Emails saying that I owe money as well as a {$13000.00} loan being displayed on my credit report I tried to dispute it however Mosaic said that is up to date that I still owe I have called them multiple times and nothing changed however in their system and I quote the loan is closed. They are harassing me with a debt i do not owe.
Consumer complaint received 2022-09-26
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. (NC)

XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX  # XXXX {$0.00} XX/XX/XXXX THE FOLLLOWING ACCOUNTS ARE REPORTING ICORRECTLY
Consumer complaint received 2022-12-06
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: TOYOTA MOTOR CREDIT CORPORATION (DE)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (TX)

i didnt know that this account existed. I did not open it. i Call the company FLAREACCOUNT  BY XXXX XXXX  and they closed it today i found it in my email today. XX/XX/21
Consumer complaint received 2022-06-06
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-06
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MS)

I borrowed a total of XXXX in student loans, Navient consolidated my student loans and now I owe over XXXX to them. I did an income based repayment and ended up paying a total of {$7.00} off my balance.
Consumer complaint received 2018-05-12
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: Prim and Mendheim (AL)

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX This is the company that has called me about a apartment I never lived in saying I owe them i gave them my address at the time and how long I lived there and I never lived in XXXX Alabama and they checked my credit twice without my permission then told me they had the social security number wrong but I am stuck with not one but two hard inquiries while trying to repair my credit.
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (SD)

XX/XX/2015 I submitted a partial payment for an escrow shortage. I called XX/XX/XXXX to see if it was received and the lady said yes, but it was applied to principal and she would switch it to escrow and she did. She was looking at a different transaction- my bank had sent 2 full XX/XX/XXXX payments by mistake and one of them was applied to principal. Had she looked back one more week, she would have seen that they already received my escrow payment that I sent by check. When XX/XX/XXXX came due, I noticed what had happened because almost all my money was gone. I called them immediately and explained that the principal she changed to escrow was a mistake and to apply it to the XXXX payment. I had to write a letter to request this, and I did. I paid XX/XX/XXXX, but I would not have enough for XX/XX/XXXX since I had sent them an extra payment. They said it would get taken care of before XX/XX/XXXX was due. I called XX/XX/XXXX and I was informed the matter was closed and it still was n't applied. They have since reopened investigating, but now my XX/XX/XXXX payment is late.
Consumer complaint received 2021-06-04
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. (CA)

I have talked to multiple Equifax Representatives, also sent letters in XXXX, XXXX, and XXXX to dispute the unauthorized inquiries on my credit report and then I was told that they were factual. I then asked for proof and verification steps they took to verify and no proof was ever sent to me. I also contacted the inquiry companies and they said they were unable to find the inquiries with the information I provided. This is super frustrating and damaging to my credit report.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AZ)

I have a hard inquiry from XXXX XXXX on XXXX XXXX 2014. I have been a customer of XXXX long time, at least 3 years, and I just moved to a new address and moved my services, and that does n't give them the right to make a hard inquiry on my credit report. I asked Equifax to investigate, and their response was : We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. Ifyou believe this was unauthorized, please contact the creditor. If you have additional questions about this item pleasecontact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX never gave permision to XXXX to place a hard inquiry, when I moved my services. I was not a new customer. 
I need the inquiry removed.
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (TX)

I need your help to stop this deceptive practice and fraud for bills that I did not own. I always asked the Lab for insurance cover/billing before any service was performed and was told yes/accepted. 
I was told it is covered 100 % with no co-pay and will be billed directly to the insurance company. Instead of sending the bill to XXXX XXXX XXXX send my name to Credit Control , LLC for collection to hammer my good credit for no good reason. I understood it was paid when I told the doctor 's office XXXX XXXX months XXXX XXXX sent me a bill of {$110.00} since XXXXXXXX XXXX. I called the number provided in bill XXXX XXXX many times always a voice mail with never return calls. 
XXXX XXXX XXXX office confirm it was covered 100 % before sending me to this Lab. Also, I contacted XXXX and confirmed it was covered as part of the annual check-up and paid. 
This type of deceptive practice and fraud for more profits need to be stopped, business-like XXXX XXXX must face consequences for rip-off many XXXX  like me. 
Thank you for all your help and I am looking forward to hearing from you.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

Refused to close my account. Charged interest rate. Put me in collection. 
An issue began in XX/XX/2015 when I was trying to close my account. Since that I was charged an unknown interest rate. Every time I attempted to close the account I was denied.
Consumer complaint received 2018-05-11
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. (MD)

My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.
Consumer complaint received 2016-05-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AL)

My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have had this Visa card ending in XXXX since 2003. Bank of America closed it. We are having some temporary financial issues. They will not do direct assistance for the short-term in-house. They " require '' you to go through a non-profit credit counseling agency. They have a special phone line set up to call about 5 different ones. They transfer you to that phone line, and whoever picks up first is your credit agency. They send you letters stating that you " pledged '' to go through credit counseling. I looked at XXXX XXXX XXXX. The web link Bank of America has ended in /bofa. So it's a referral link. The representative I spoke to about this told me that they knew how to contact places for help with food, living expenses, and utilities. I was even told they would help with the Homeowners Assistance Fund. I talked to them, none of that was done. They act like they care that your expenses are handled. However, they want to maximize the money you have left over to go to, only certain, credit card issuers. Which from research, are the ones who fund them, I'm sorry, donate. When I went through this call, I was told to use XXXX XXXX for lower gas prices, which in Oklahoma, there may be a XXXX cents. I was told to unplug my phone charger at night as it wastes electricity charging the phone after it's charged. It's a 1 Amp, 5 Watt USB charger, that only draws power when the phone needs it. Which would be about 1 hour at night. So XXXX hours at 0 Watt with 1 hour at 5 Watts, 10.2 cents per Kwh, this is .005 for an hour. So it's a questionable {$18.00} a year, to charge to 100 %. Nothing against XXXX, but BofA forced me to use a non-profit, that they own, sorry, " donate '' to. So they saved me {$5.00} in gas when accounting for the gas mileage of 12 gallons with 21 miles per gallon on average for a year. I really appreciated the counselor taking that time, but for a customer of 20 years, with no history of late payments, none, they close my account just because I'm having a slight temporary issue in my finances. I took the time to call all of my creditors for help. The very nice young woman I spoke with at BofA was the best! I'm not happy. Oh, this card has a 5 % + prime rate as the interest rate. They were dying to get rid of it. BofA has probably made close to {$100000.00} in fees and interest off of me. Who cares though, he is needing help for 6 months, oh due to a XXXX as well, which I did inform them of. Not to throw that card out, but it's true.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, UT performed a procedure on me. We have XXXX XXXX XXXX and a secondary coverage with XXXX XXXX. I am XXXX XXXX XXXX and with this coverage I have NEVER had out of pocket expenses. I have received multiple dunning letters. I have had XXXX conversations about this with the XXXX 's billing service. They claim to not have the information for our secondary insurer. I have given them this information repeatedly. The last XXXX XXXX I received for this service stated the XXXX was over paid and was requested to repay XXXX {$140.00}. They continue to bill me {$69.00} ( I have no idea where this number came from ) and have now turned my account over to a collection agency threatening to ruin my credit. 

I think this is fraud. 
XXXX. Given our coverage I should never be " balance billed '' for anything. 
XXXX. If they are doing this same thing to thousands of other accounts we are suddenly talking about real money.