davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation (OK)

I am aware that Fortiva is reporting my information correctly I am trying to request a goodwill adjustment on 1 late payment. I was very happy with the company and the use of their credit card service I'm requesting my credit card open date to be changed to XX/XX/2017. I was a very loyal customer making 99 % of my payments on time in over 5 years I'm asking for some help. Thank You
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (PA)

Well i finally have gotten one fraudulent accounts that were in collections removed and instead of Experian, XXXX, and XXXX, XXXX XXXX raising the score 21 points like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my XXXX took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally soits XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX Pennsylvania warehouse, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPT OF EDUCATION/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX  XX/XX/year>
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want to complaint Bank of American. I have checking account and credit card. 
I was contacted them since last year. I was try to working dispute the amount unauthorized charges. 
I went to branch Bank of America to deposit a money on the beginning of XXXX 2021. And i was told them account unauthorized charges. The employees at counter Bank of America order new debit card to me. 
After that when i was purchased items on internet I choose a payment from XXXX credit account. I didnt realized items I purchased charged on my checking bank account also. I was contacted Bank of America and XXXXl to resolve this problem. And i had told them im victim of XXXX XXXXXXXX from my ex spouse.and i have a hardship on financial because since he left me with nothing and never help me pay on the bills in community property or my expenses while Im unemployment and i have legs problems. 
XXXX still charged me unauthorized. And i was try contact Bank of American to dispute and resolve problems i was called bank of American use my cellphone number then when someone pick up suddenly they end up my called when transferred to claims department.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

My mother, XXXX XXXX XXXX, passed away on XX/XX/XXXX. She had been in a XXXX XXXX & my sister had been her Legal Guardian of the Person & the Estate. Her job stopped the moment my mother passed away. My mother had a will & I am the XXXX. My job started the moment my mother died. 

I went to the XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX to record her death & start the administration of her estate. They were behind in their work & didnt have the Short Certificates available then. They mailed them to me. I got them in the mail on XX/XX/XXXX. I made an appointment at XXXX XXXX XXXXXXXX, PA for XX/XX/XXXX, to set up an Estate Bank Account. 
I then made an appointment at Wells Fargo Bank for XX/XX/XXXX. I showed XXXX XXXX my ORIGINAL DEATH CERTIFICATE & SHORT CERTIFICATE. She noted that & made copies of both. She then called her contact at some legal division of the bank. They told her there was a hold put on the account & that only they can lift it. They also told her that ONLY my sister can close the account. I told them that was against the law. The law states that Legal Guardianship ends upon death. XXXX stated that to whomever she was on the phone with, but they would not budge. She said she has to follow their rules. 

I had checked with my friend who is a lawyer prior to going to Wells Fargo. He told me what the law was. 

While I was at Wells Fargo, I called XXXX XXXX from XXXX XXXX  ( the woman who set up my mothers Estate Checking ). I put her on speaker phone. She explained exactly what I had said to XXXX. XXXX got up & stormed out of the office & came back with the bank manager. She said the same thing. They have rules & they must follow Wells Fargo procedure. 

They did finally issue a Cashier 's Check made out to XXXX XXXX XXXX XXXX for {$12000.00}, which was the amount in my mother 's Irrevocable Burial Fund, which left a balance of {$1300.00}. I did forward that check to them. There is also an outstanding balance of {$2200.00} owed to XXXX XXXX, as well as another {$3000.00} for the headstone owed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( thru XXXX XXXX ). As well as ap proximately {$2000.00} ( so far ) owed to me for expenses paid by me. 

By law, they have to release that money in a Cashier 's Check made out to the Estate of XXXX XXXX XXXX, which I will then deposit into my mother 's Estate Checking Account I set up at XXXX XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (LA)

I have an account that is negatively reporting on my credit when the account was closed on XXXX. I made my last Payment on XXXX but after they closed it they reopened this account. The balance i owed should have reported {$1200.00} but instead is showing {$1500.00} & they are report late payments. They are also reporting an address of XXXX XXXX XXXX & i do not stay at this address. 
under 15 U.S. Code 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I should have a right to privacy.
Consumer complaint received 2022-04-18
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. (NC)

XXXX accordance with the Fair Credit Reporting act 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 2021-12-03
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving
Consumer complaint received 2021-12-16
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Toward the end of XX/XX/2022 I noticed my perfect XXXX credit score of XXXX went down by almost XXXX points to XXXX i have worked hard to build my credit and never missed any type of payments in my whole life!. When i conducted my research i found a collection account that i never heard of from ( Southwest Recovery Services ) for {$660.00} MedicaXXXX bill dated back to XXXX. it did not make sense to me as i have always paid my medical bills from my HSA account when i actually get sent a bill but this appearing all of the sudden and after more than 4 years as a collection account that ruined my credit i am pretty upset and it's not fair to me. after doing my research i found that in the state of Texas under Title 6 of the CIVIL PRACTICE AND REMEDIES CODE chapter 146 sections 002 ( TIMELY BILLING REQUIRED ) and 003 ( CERTAIN CLAIMS BARRED ) make this uncollectable in addition state of Texas statue of limitation on medical debt is 4 years which surpass the date of the bill as well as if i am right third party collection agencies are barred from putting a negative entry from a medical debt! but what is making me upset is the fact that every year i have {$2700.00} in my HSA account which i could have used to pay this {$660.00} if i knew about it in a timely manner before the expiration of my HSA funds which is in the month of XXXX of the following year. I need help and i need this collection agency to answer be be punished for damaging my perfect credit and this to be removed immediately from all of my 3 credit reports ( as of now i see it only on my experian ) which i contacted but they did not do anything even when i disputed the debit. i am at the mercy of CFPB to help me and put an end for these companies and their lawyers from using the law unlawfully of taken advantage of people who are unaware of the law which in this case Southwest Recovery should have known the law and not only not put a negative entry on my credit report but this should have been purged by just knowing Texas and Federal law
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OR)

I changed banks and therefore, checking accounts. My new bank provided 2 checking account numbers for the same account. One ended in an XXXX, the other a XXXX. When apparently one did not go through and Discover charges a XXXX man, at XXXX, {$29.00}. XXXX XXXX stopped charging overdraft fees all together, why can't Discover be more like XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are in Utah, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX 
I used their secure messages and the chat feature, I asked for arbitration information per the customer agreement, but have received no reply.
Consumer complaint received 2021-12-03
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX and my ability to get approved.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX, I was indebted to XXXX XXXX with the amount of {$100000.00} in credit card, and it accumulated interest to the amount of {$1400.00}, and i completed the payment and they still have my name on file. 
Secondly, I was indebted to XXXX XXXX XXXXXXXX a little over XXXX and I paid. they still have my name on file
Consumer complaint received 2024-08-26
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-11
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. (TX)

This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount Capital Group, Inc. (GA)

Paramount Capital Group and XXXX XXXX XXXX are running a XXXX scheme against innocent consumers to obtain a commercial driving license. I inquired to XXXX about taking refresher training in backing up a trailer. They informed me it was not offered. I said, okay, and thanks. I had my learner permit already. However, I was told I must complete 180 hours through a replicate school to obtain my commercial driving school. IT is not a true statement. I did not realize it was a fabrication until I applied for my first job. I just needed to take the driving test at the XXXX without going to school. I did not have to attend school! I was deceived, hoodwinked, and manipulated. Paramount Capital Group is using gangster and unprofessional collection tactics to collect these XXXX payments after saying they would get with XXXX and withdraw this illegally obtained loan. I have driven in the XXXX for six years, and I did not need to attend school. XXXX XXXX XXXX was aware of my military affiliation. I can not believe this company would take advantage of a Veteran. I have been duped into a fraudulent loan. I do not know what part Paramount Capital Group played in this XXXX scam. However, somebody should investigate this before they ruin my credit profile. I should not have to repay a needless loan I was conned into obtaining. I knew something was suspicious when the recruiter started calling me from private numbers. They should be shut down from doing business. Additionally, I am filing a complaint against them with the Federal Trade Commission.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (VA)

I had a credit of $ XXXX deposited into my PNC checking account showing Covid credit as the category. When I contacted my bank as to what it was, I was informed it was a credit like citizens had received before during the last year for pandemic. I never requested this money I never signed anything, etc. Amazing, so I thought. 
My direct deposit paycheck hit my account at midnight today and PNC took it saying my account was now overdrawn and used it to repay what is now showing as a $ XXXX temporary credit. 
I am a XXXX mom and this took my rent and groceries for the next XXXX weeks. My next paycheck will also be taken for the outstanding difference. 
I contacted PNC who now denies any of this and states if was financial assistance, which again I never requested. They would not even assist with a payback plan or anything. 

This is absolutely unethical banking practices and theft on their part.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a mortgage loan ( Convention 30 yr ) with Select Portfolio Services , Inc ( Loan # XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( cell ). I've applied for the Pandemic hardship and submitted documentation according to the application procedures set out by the lender. However, during that process when nearing the XX/XX/ 2021 date, SPS began practicing predatory lending practices. For example, I would complete the documentation submission for Pandemic hardship application yet, SPS would kick it back as incomplete stating that I needed to submit a " Retirement Payout ( Income ) documents '' to which I would submit numerous documentations, ( upload to the SPS portal a written doc, send an email, and call my relationship manager ) stating that that document does not apply to me as I was not receiving any retirement income and it was as if they were continuing to make claims that my application was incomplete by requesting documents either already submitted or asking for documents that do not apply to me. Once I realized the predatory behavior was intentional vying the equity on my home and they seemed to be just postponing a " pandemic Hardship '' decision till the XX/XX/2021 when loan pause was removed by congress ( moratorium on Mortgage ) so that they could gain on my property and begin gaining rights to my equity and potentially sell the property. I am happy to provide dates and documentations if you need further documentation. XXXX XXXX XXXX My Former Spouse was a XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MD)

On XX/XX/2023 I submitted an application studentaid.gov for the SAVE loan consolidation & also for an IDR plan. Both have been in processing since. The financial loan servicer is EdFinancial and when I call their customer service, I get different answers each time. Some cant find any evidence of my loan others say I have to wait XXXX business days, which is now long past. I can get no traction on this from studentaid.gov because they sent the loan to the servicer & I cant get any traction from Edfinancial as no one there has or can give me an answer as to when my application will be accepted & done. It seems like there is no one anywhere that knows whats going on with my application. This is all very frustrating to say the least.