davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (IL)

I had flooring installed in my home in XX/XX/XXXX, before the job was completed my wife noticed and brought to the attention of the installers areas of the floor that were uneven, soft and appeared to be defective. The installers stated the floor needed to settle and that the appearance would improve. The day before the job was completed the lead installer who was not present during the installation advised the price of the flooring increased by {$8000.00}. We also pointed out areas where the installers had caused damage, and that they had damaged our freezer door with a staple hole. Documentation was emailed to us with signatures that are not mine or my wife. I was provided a XXXX credit from Citibank ( Sears ) that was to be used towards the purchase. We have notified Citibank many times and was advised that no charges would be not incur during the investigation and dispute. However I am still receiving collections calls as well as past due statement for 6 months. I am a XXXX XXXX Veteran, XXXX 3 times a week, I use a wheelchair, walker and cane to get around my home. I filed with the BBB and the States Attorney offices but have not received a resolution, my credit report was recently pulled and this is affecting my credit score. I have not missed a car payment in 4 years nor a mortgage payment. The flooring is defective, bubbling, poorly installed in some areas as much as XX/XX/XXXX inch different. SHIP ( Sears ) states the flooring issue because my walls and floors are out of plum. The floors SHIP ( Sears ) removed from my home where 3 years old and consisted of Harwood, Ceramic, 1 room had carpet. The product XXXX ( Sears ) installed is a laminate, proposed by the sales  rep. as having a 50 year warranty and is a better product than Harwood. Sears wants me to remove the flooring, store in my home until they can pick up, the money we paid XXXX down is be used to pay for the damages caused to my home. They are asking that we drop the charges of forgery and not to make this issue public. I lost my left foot and a portion of my leg in XXXX to XXXX XXXX, I am now having the same issue with the right and will be starting Hyperbaric treatments to help with the healing if possible. We are seniors and do not have money or a lot time to spend on a lawyer. XXXX  ( Sears ) Area GM also visited our home and same the problems with the flooring, they remove the floors and install a porcelain product however it would cost XXXX. Yes we have allowed them into our home to view the defective flooring and the lousy installation, and the damages to our home.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-24
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

About XX/XX/XXXX, a collection agency send me notice that I owed {$1500.00} and change for a purchase that was made at XXXX XXXX in XXXXXXXX XXXX in XXXX of XXXX. I am now living in XXXX   and have not lived in XXXX, XXXX. since XXXX of XXXX. Some some how got a hold of my old home address in XXXXXXXX XXXX to get a credit to make a purchase at XXXXXXXX XXXX in XXXXXXXX XXXX. The email this person used is not mine and I don't know who this person is. At the time the purchase, I was here in Florida  pumping gas in a local XXXX station. I was constantly being harassed by the collection agency all times of the day and night- even on Sunday. The only reason they have stopped is that my phone number has changed. The collection agency is : MIDLAND CREDIT COLLECTION AGENCY. located in XXXX XXXX, Ca. I tried personally speaking with them on the phone but they will not believe me. As I said, the only reason the phone call have stopped is because my old phone bit the dust and I had to get a new one. This is showing up on my credit reports and I am not responsible for this debt.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On or about XX/XX/2020, I inquired about a mortgage refinance loan through XXXX XXXX with XXXX, however I did not complete an application. 

On XX/XX/2020, I received a call from a lady asking why I was applying for a loan on her property at XXXX XXXX, XXXX, CA XXXX. I told her I did not and she said she received documents from PennyMac to that effect and the documents included my personal information including SSN and DOB. 

I then emailed XXXX XXXX ' office and was told by XXXX that he would escalate the mistake to PennyMac. 

On XX/XX/2020, I received a Credit Denial letter from PennyMac. 

Both PennyMac and XXXX acted carelessly and irresponsibly with my personal information and should be held accountable.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Adjustments Inc (CA)

A debt collector named Credit Adjustments keep calling me and also has sent regular mail to my business demanding payment for a bad check written to an online company named XXXX  XXXX  in the amount of {$110.00} in XX/XX/XXXX. 

I repeatedly have told Credit Adjustments that this debt is not correct and is impossible because my company filed as a Corporation with the State of California and was not opened until XXXX of XXXX and that it is impossible for me to have written a bad check in XX/XX/XXXX and that they can verify this information by visiting the Calif State website and look up my corporation name of XXXX XXXX XXXX and verify what I am telling them is the truth. 

However, they continue to harass me after I verbally informed them to stop calling me and stated they are in violation of the Fair Debt Collection Practices Act. I have since written an email to this company since asking them to stop calling me did not stop. 

I then wrote an email to this company called XXXX XXXX  and informed them of the same, and they sent me back an email and they stated they asked Credit Adjustments to stop calling me for this collections for this check.

This company Credit Adjustments has obviously violated the Fair Debt Collection Practices Act and should be held accountable for their actions so they do not continue these practices to others. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-08-23
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. (GA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a victim of identity theft and I have things on my credit report that is not correct and not mines. I have made a report. 
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MN)

My checking account was garnished by a third party for a judgment debt. The bank charged my account {$110.00}, then charged me {$74.00} more because it paid off XXXX of my charges that did not go through for the very reason that the bank had frozen MY funds and then also assessed that garnishment charge ( which I never was made aware of or agreed to at any time ). Pursuant to Minnesota garnishment law I mailed the bank my signed notice of exemption form proving that all of the funds in the account came from sources ( social security and pensions ) exempt by state and federal law from garnishment, along with 60 days of bank statements. More than six business days have expired. The judgment creditor did not send or serve any objection to my notice of exemption to me or the bank. Minnesota XXXX XXXX XXXX ( 2015 ) ( the garnishment law ) expressly states " All money claimed to be exempt shall be released to the debtor upon the expiration of six business days after the date postmarked on the envelope containing the executed exemption notice mailed to the financial institution, or the date of personal delivery of the executed exemption notice to the financial institution, unless within that time the creditor interposes an objection to the exemption. '' All of the preconditions to releasing my frozen funds have occurred, yet the bank refuses to release MY money. I called TCF twice, and spoke with a " supervisor '' XXXX times. They refused to connect me to any XXXX higher up, or to the bank 's garnishment department, or to the bank 's legal department. Even though I read the Minnesota statute to them out loud, the both said they would not release MY MONEY without a court order. They XXXX told me there was no one else at the bank they would allow me to talk to, and that there was nothing more I could do except deliver the the bank a court order. I complained in person to my local branch office. The person there told me that the bank had already paid my exempt funds to the garnisher, and I would have to get my money from them!! The bank has completely ignored its statutory and fiduciary duties to me by ripping my exempt money from my account and giving it to a creditor, and added insult by charging me almost {$200.00} for the favor of their victimization. I have proof that the bank timely received my exemption form at the address they provided.
Consumer complaint received 2022-07-31
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: CREDIT ACCEPTANCE CORPORATION (MD)

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX  US EDUXXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDUXXXX Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXXClosed -Account # XXXX
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I contacted Equifax in XX/XX/XXXX requesting that since the following two addresses, listed by Equifax, as former addresses are locations where I have never lived, they should be removed from my credit report. I had become aware of the errors because I failed identity verification with financial institutions who relied on the incorrect information : XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX, XXXX XXXX, IA XXXX. 

On XX/XX/XXXX, Equifax responded saying they had reviewed the disputed addresses and deleted them. Imagine my surprise in XX/XX/XXXX, when I again was asked about one of the addresses as part of a identity verification on my brokerage account. I failed the identity verification and my account was frozen and I was unable to pay from that account a bill that was due. 

I checked today and the erroneous information is still in the record. I also noticed on the same page that my current employer listing is 31 years out-of-date. 

See attached XX/XX/XXXX response from Equifax stating the incorrect addresses would be removed. See attached XX/XX/XXXX report page with the addresses still in the report.
Consumer complaint received 2022-08-23
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. (VA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I called TRANSUNION on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXXXXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

in XXXX we were forced to go thru the loan modifacation process to prevent forclosure with the federal foreclosure court in my county ( XXXX XXXX XXXX  ) as a result of this process the mortgage holder was told to decrease our APR and also told to assist us in any way they could to keep this from happening again ... they were also told to adjust our due date monthly because my wife ( XXXX XXXX ) and i are on XXXX XXXX XXXX  ... .we continuosly asked them to change our due date to the XXXX of each month so we could make our mortgage payment in concurrence with our XXXX XXXX pay we receive on the 2nd wednesday of every month ... .wells fargo not only has ignored the courts request to work with us but our requests as well thus causing us to be late on our mortgage payment an obscene amount of times all the while wells fargo is reaping the rewards of late fees accrued during the past 5-6 years and also causing us to show delinquencies on our credit reports ... these delinquencies shoul not be occuring and wouldnt be if wells fargo would just have followed the orders of our federal foreclosure judge and the wishes of cooperation thru the federal court ... .i would like these delinquencies and the harm they are causing to my credit to be removed ASAP ...
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (IL)

XXXX XXXX XXXX XXXX has never sent me a outstanding bill/debt, I contacted them and tried to resolve this issue many times since it has shown up on my credit report and they have no information when I have contacted them. They do not provide the account number, why there is a outstanding bill, etc. I have asked for info and they have not provided any. There was no balance due when I shut service off when I lived in Pennsylvania, I never owed them anything I even made calls to make sure at one point and was always told my balance was {$0.00}. I am beyond frustrated that after many times of contacting them they still are unable to provide proof that there is anything owed to them from a outstanding balance.Now I have them showing up on my credit report for {$230.00} and they have no reason why. I want this removed as soon as possible. 

Thank you XXXX
Consumer complaint received 2022-08-23
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)

PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND XXXX CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681cXXXX REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.
Consumer complaint received 2022-07-31
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. (TX)

Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate