davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TN)

On XX/XX/2022, I switched my cell phone service from XXXX to XXXX. There were numerous issues with the service, including lack of cell phone service for two of the individuals on my account, and sporadic service for myself. I was in frequent contact with XX/XX/XXXXXX/XX/XXXX and they issued some credits for the problems I was experiencing. On XX/XX/2022, I switched back to XXXX. I received a final bill from XXXX XXXX which included charges for the entire month of XXXX. Additionally, I was charge {$120.00} for mobile internet service, which I did not order and which I never had. I was charged {$60.00} for tablet service, when it should have been {$10.00}. On XX/XX/2022 I contacted XXXX customer service and they promised a credit of {$230.00} to my bill. The credit was for the {$180.00} in erroneous charges and additionally, all service charges, so that I should have a XXXX balance. I never received that credit. XXXX billed my credit card. On XX/XX/XXXX I called XXXX twice. Both times, after explaining the issue, I was placed on hold for over and hour and then was disconnected. I contacted my credit card company and disputed the charge. On XX/XX/2022, XXXX sent a revised bill for the full amount ( {$230.00} ) PLUS they charged me {$30.00} for disputing the charge. On XX/XX/2022, I contacted XXXX again. This time the agent told me he would need to get a response from the previous customer service agent. From my conversation with him, I perceived there were no notes in my file as to the previous conversations. The agent promised to text me his first name and employee ID, which he never did. He promised to call back with a resolution, but he never did. I have taken every step that I can take to try and get this resolved. XXXX 's customer service number seems to be outsourced to another country and they consistently drop the calls. XXXX turned me over for collection, even though I have repeatedly tried to resolve this with them. I have even written to their corporate office but have not received a response.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022. 

EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED CONTRACT AGREEMENTS, PHONE RECORDINGS, CREDIT CARD INFO ETC. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS TWICE FOR FALSIFICATION.

PROVIDE ME WITH ALL LEGAL VERIFICATION
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : The XXXX  XXXX XXXX XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I havent given anyone written permission to furnish these accounts on my credit report.
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a debt validation to the collection company ( Midland Funding ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company added interest on the account {$280.00}. The original balance of the charge off was {$750.00} and the company is stating that I owe {$1000.00}. I called the company ( MIdland Funding ) and asked why is there interested added to the account after the charge-off and asked for a signed agreement from the original debt collector. I was told that the interested was add in XXXX with no reason to why it was added and that they had no signed agreement even stating that the account belongs to me. There is no proof of the company being able to add interest or even if the account belongs to me.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian inaccurately reports a XXXX XXXX account to my credit file. The following account was allegedly charged off in XX/XX/XXXX. Since then it has repeatedly been updated as charged off every month. This is an update to the payment history of my credit file ; which to my understanding, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations and violates my rights as a consumer per the FCRA. 

I have already spoken to a representative via telephone, and have explained that this invalid account is hindering my ability to obtain new accounts and costing me thousands in interest each year due to their mistake. They advise me to send a dispute letter via mail, which I do, with no response. 

This account has not been reported to XXXX or XXXX, only Experian, and the company refuses to delete this account from my file. I even paid XXXX XXXX {$120.00} ( proof was mailed to Experian ) in attempt to settle and close/ delete the account in XX/XX/XXXX but again, Experian refuses to respond or delete the account. 

I have tried numerous times to dispute this invalid account with Experian, only to receive no response and no update to my disputes. My last dispute letter was mailed to Experian on XX/XX/XXXX with no response and no attempt to investigate further into this matter, which is a violation to my rights as a consumer. 

I am demanding a deletion of the following account immediately : XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX  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 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  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 2015-04-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was initially charged a {$35.00} fee on my checking account for a check that was dated for the following day. I was informed by Bank of America that it does not matter when a check is dated for, tgey will cash it and charge you fees for being over drawn. They also charged me fees on ny savings account even though I was having money being deposited into it. I had enough of all the fees and asked to have the savings account closed. I have called XXXX times spoken with XXXX supervisors and they still refuse to close down the savings account so they can charge me additional fees
Consumer complaint received 2022-06-17
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. (PA)

I have asked EXPERIAN repeatedly to disclose the furnisher of the Bankruptcy they are reporting on my credit report and have refused to do so. The FCRA is very clear - I have the right to know where the information reported on my credit report is coming from and question any inaccuracies. They could not have obtained any information from the court house as they do not disclose such information to the public or private entities. They could not have obtained it from XXXX XXXX as my consumer file with them is frozen due to identity theft. 

15 U.S. Code 1681 Section 603 ( 3 ) ( e ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Furthermore, 15 U.S Code 1681 Section 602 A. States : I have the right to privacy. And 15 U.S.Code 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

My account was reported 90 days late with Nissan Acceptance Co starting XX/XX/2018. I knew my account was coming up to be paid off so when the payments stopped being automatically deducted from my account I thought nothing of it since I was set up with the creditor for automatic draft. I received a notice in the mail about 2 months later that the account was delinquent. I immediately called and paid the remaining balance and asked how that was possible. They said apparently my payment didn't amortize over the life of the loan. I've never heard of that happening. During the financing it doesn't make sense why they wouldn't have covered the whole loan. I told the representative that I did not feel that this should be held against me and I was told it would not be reflected. I had my credit checked not long after the incident and sure enough there it was. I filed a dispute and was told it was resolved yet it is still on there. I have worked in the mortgage business for over 20 years and know how important credit is and how embarrassing it is let alone the affects it can have obtaining good rates. This has had a negative effect and would like it rectified.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (MS)

Had a storm hit my home, with tree falling on home, wind, hail damage to home, vehicles, pool, hotub. XXXX XXXX XXXX XXXX took almost 2 months to write check which is around XXXX in total. While waiting for insurance company, I had to start repairs, hire contractors, pay contractors, and also did a lot of work myself, since I use to be a contractor and built homes. I paid for work, supplies, and contractors myself, out of pocket, and currently have paid XXXX, somewhere around XXXX in repairs out of my pocket. I received a check to me and Franklin American mortgage. I contact them about endorsing the check, so I can continue to have my worked on, and get it finished. I was told NO. They will keep all funds, and release money to contractors they approve. And any money I am out of pocket, is just my loss, because I 'm no longer a licensed contractor, and let my license expire in 2007 when I was sent to XXXX and did not renew it, and decided to not build anymore and became a full time XXXX. I was told money paid to contractors already, was not approved XXXX, and would not be paid back to me. And any contractor working on my home now, will not get paid unless they submit a stack of forms required. And I was forced to pay out of pocket for work done to that point, and contractors said they will no longer work on my home, because they have had to deal with Franklin mortgage before, and it took weeks or even months to get paid, because they always found a reason to delay payment. And the contractors refused to wait for XXXX, and said I was responsible for payment immediately upon completion, or they would not agree to do work. So XXXX refuses to endorse check, or pay money paid by me already. They are going to hold all funds and release it only when they agree too
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

Have a XXXX XXXX Card through Comenity. Tried calling XXXX. Each time i go through the prompts to await for a live person to discuss my billing, I am put on hold. The music comes on to indicate you are hold then 2 minutes later you get another prompt and it pushes you into a silent que and it is unclear if you are still on hold. After 15 -20 minutes the call is disconnected. This has occurred 3 times over a 48 period. 

My purpose for the call was to get a {$29.00} late fee waived. It was my first time being late since account opened in XX/XX/2021. It was an oversight on my part due a death in my family. I have been consistent is paying {$30.00} - 40 more than the minimum requirement. 

I am more concerned that I have been trying to reach customer service for the past 2 days and can't get through because their is an issue with their phone system.
Consumer complaint received 2022-06-17
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. (TX)

Attached is a Federal Civil Court Complaint and Subpoena for XXXX, Transunion, and XXXX to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX  checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Disputed a chapter XXXX bankruptcy multiple times with equifax. My public record on my credit report show XXXX chapter XXXX cases. My chapter XXXX case was transferred and reassigned a new case number. Sent equifax the legal form from the federal court building stating it was transferred and the previous case number no longer valid. I call the federal courts and they agreed it is correct. I should only have XXXX chapter XXXX case.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TX)

I XXXX am having a lot of problems with this Debt Collection Company claiming i owe a debt on a closed account on my Consumer Reports. They are saying they are the Original Creditors. I have sent several letters and at last an Affidavit Of Truth. They responded not with a rebuttal nortorized but only with a lettler. I forgot to copy my notorized Affidavit to show proof XXXX XXXX stamped the seal on it. But Acima sent a strange looking contract 2 times to me. It was for a rental property, but it also included a sectional and mattress separate debt. The 1st contrtact it was 5 pages and the second contract it was only 3 pages sent. The amounts of debt were all positive balances and not any negative balances. The total of debt was 2 different amounts. One amount was {$4300.00} XXXX and the other was {$4500.00}. They even printed my name on the signature line. It was not signed by me This Company is using profane language and obscene words to collect payments. Their logo is illegal in the letter presented to me. It is clearly Debt Collection business. 

U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt This is fraudulent activity and this closed account has already been paid off. They are attempting to still get payments with interest which is illegal. They are not a Creditor.They are a 3rd Party Debt Collector only out to collect payments by commiting fraud.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The payments on the fraudulent contract are illegal according to this law : 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FM)

I have several accounts in closed status which I did not closed. XXXX is XXXX XXXX, an account open in which was open on XXXX XXXX, 2007 and after calling XXXX, XXXX branch at phone number XXXX, she states that they have no record of who closed the account and can not help me in any way. My credit report is showing these accounts in closed status in which I never closed. 
I am a victim of identity theft and these accounts are effecting my credit score. They do n't want to write a letter taking this account of my record, nor opening my account again. I had great standing with them and never owned them any funds. This needs to be corrected, open, or cleared. thanks
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting Act, XX/XX/XXXX XXXX Account # XXXX,XX/XX/XXXX Account # starting with XXXX,XX/XX/XXXXXXXX XXXX Account # starting with XXXX, XXXX Bank Account # starting with XXXX,XX/XX/XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in 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 an account without my written instructions.