davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

1. Found out about this in XXXX, XXXX due to applying for a mortgage loan and this collection was on my credit. It was listed as from XXXX XXXX XXXX XXXX  for {$330.00}. I immediately called the company and talked to collections who said they had an account in my name but could not help me unless I had an account number. 
2. I let the property go that I wanted to purchase and asked the lender for more information. They sent my credit scores which had dropped by 100 points. 
3. I then contacted the credit reporting agencies and disputed the charge assuming it would go away. 
4. I received a notice saying it was valid. Now I haven't had a phone with XXXX XXXX XXXX since XXXX. When I cancelled my service with them I was not under contract for 11 months and it took them two months to stop the service. I already had another phone and service with XXXX  XXXX. 
5. I was able to receive the account number through the credit reporting agency. 
6. I just got off the phone with XXXX XXXX XXXX collections and in order to find the account I needed a pin. They said they had to email to me at the email on file and reset the pin. 
This is a tactic to update the last contact to reflect this as a current account and reflect this date on my credit making it look like a current collection that I do not owe them. Their dirty business practices are illegal. I do not owe this and this has caused me trouble.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-07-02
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. (PA)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE
Consumer complaint received 2020-09-19
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: American First Finance, Inc. (PA)

XX/XX/2020. I spoke with XXXX from American Finance on a recorded line about possibly settling my debt from the closed account. which i then asked that if i can settle for a specific amount of {$400.00} that the account will be settled and removed. this is when XXXX assured me that the account would be settled and removed if i was able to ay the said amount of {$400.00}. since XX/XX/2020 i have been I debating and disputing with American First Finance about the removal and settlement of the account which they now tell me it can not be removed. as of right now this account is showing up negatively on my XXXX  report and by XXXX assuring me over a recorded line that the account will be taken care of therefore makes it a binding conversation and i feel as though this company is not doing right by their part of the contract. I haven't received a confirmation number, i have complained and told them i wanted to hear the conversation with XXXX, and i have only received an email with an attachment with transaction history but with no proof of who is receiving payment. I'm trying to buy a house.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and they said I owe XXXX for an HSBC credit card. Since this was not the first time I have been threatened by them I asked for more info with intentions to file harassment charges but they would only tell me the state they are in and name of the company. Eventually the lady on the phone didn't like my persistence and just said that they are forwarding my file to court. 

XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and tried a more deceiving tactic to get more info about this business who does have my accurate personal info. Eventually they threatened to sue me for harassment and blocked my number. 

I called the FTC who said I should look at my credit report to see who is actually reporting the debt and it don't show on any of the reports. 

I am looking at my paid receipt and the debt for the HSBC card I had was fully satisfied on XX/XX/XXXX.
Consumer complaint received 2021-02-10
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: WAKEFIELD & ASSOCIATES, INC. (OH)

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (AL)

Received a phone call today from XXXX. I usually do not answer these numbers but being that we had a mattress delivered I assumed it was the company for a survey which I was going to take because they provided expedient service. Like less than 24 delivery. Awesome. 

I answered said hello. She asked to speak to a " XXXX XXXX '' ... my name is difficult to pronounce for some but the way she was struggling to continue with her script I just hung up and chalked it up to spam. I decided to XXXX to find out what XXXX the number is attached to. It came back as XX/XX/XXXXXXXX XXXX XXXX of XXXX XXXX. 

This is a surprise to me as I NEVER am late on bills and payments. Thought seriously about every possible bill I could have and then XXXX further about this company. This is a fraudulent company attempting to collect on traffic tickets. I wish I had let her continue but the websites are the best I can offer. There is no reason for a debt collector to be calling me about a debt in Iowa when I've not been there. 

When I call back they just hang up. Something is fishy here. The number is used on the City of XXXX XXXX webpage and also City of XXXX. I've never been to either place https : XXXX https : XXXX
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Resolution Corporation (CA)

I offered to pay the amount but they refused to remove it from my credit report. Theres no benefit to paying it if they do not remove it. They do not think they have to remove it if its Paid. 

Account resolution Corp XXXX. XXXX XXXX XXXX mo XXXX XXXX
Consumer complaint received 2022-06-30
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MN)

My mortgage was originated by XXXX XXXX XXXX and sold to M & T Bank. Since taking over my loan M & T Bank has engaged in a campaign of harassment concerning my HO6 insurance coverage. They initially sent several notices claiming to have no proof of my insurance however this was included with my mortgage documents. After providing them with the proof, they again claimed they had no proof and now wanted the property address to include a unit number. I complied with this request. They have now created a fictitious address and attached it to my loan and are again demanding HO6 insurance information. Each demand includes a threat to attach HO6 premiums to my loan and includes FDCPA language concerning an attempt to collect a debt. I brought the matter to their attention and was told I would be contacted last week with resolution. Instead I received a further 4 notices again referencing the fictitious property address and threatening collections.
Consumer complaint received 2022-12-28
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. (WI)

I have sent several disputes to all 3 credit bureaus regarding the Following Accounts, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} and they are not following any CFPB rules or any federal laws regarding my demands. I also stated in a previous dispute that In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts above 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other 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 ) 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 the information is inaccurate
Consumer complaint received 2019-10-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.
Consumer complaint received 2022-07-11
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)

I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2022-12-28
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted Experian in regards to updating my personal information as the information on there is incorrect and inaccurate. I sent proof of residence as well proof of identity yet they still did not update my report and kept false information.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (KY)

Saturday ( XX/XX/22 ) I went to a local Truist Bank branch to get a cashier 's check to pay my taxes. I noticed that the check was made payable to the IRS when the instructions form I brought with me to the counter stated that the US Treasury should be the recipient. I asked that the check be re-issued. The cashier told me, in real time, that the check would be cancelled, re-deposited, re-withdrawn and then a cashier 's check would be issued. 

None of that actually occurred, and instead the account was double-drawn and therefore my line of credit was activated as well as overdraft fees assessed to my account. I did not notice this error until Wednesday ( XX/XX/22 ). I called and spoke to several members of the staff at the same local branch. One of whom, XXXX, was adamant that no accommodations or assistance would be offered to me nor would my line of credit activations be reversed. I then asked to speak to a supervisor and received the branch manager, XXXX. The branch manager was a bit more helpful in reversing the overdraft fees. She told me that the line of credits would be reversed as well as the check amount ( {$1100.00} ) be credited back to my account most likely by the next day. 

As of XXXX. local time no check refund / credit has been issued to the account ( not even pending ) and the line of credit transfers are still present in my account ( s ). 

I was forced to make a minimum payment to one of my creditors, XXXX, yesterday in the amount of {$29.00} because I did not have access to my fully entitled funds ( {$1100.00} ) that I would be normally paying my bills with. As a result, I am accruing interest on unpaid balance ( s ) as of today for that. In additon, the refunded overdraft fees totalling {$25.00} are less than the minimum payment ( {$29.00} ) that I made. As a result, I expect more overdraft fees and further activation of my line of credit which is unnecessary, since I should just get the double-drawn check amount ( {$1100.00} ) credited and/or deposited back in to my account. 

I attempted today ( XX/XX/22 ) to speak directly with XXXX again but after 20 minutes on hold decided I may try their corporate customer service. After 10 minutes of completely wasting my time and no help from corporate customer service, I attempted to contact XXXX at the local branch again. This time I reached XXXX ( again, the most unhelpful member of their banking services team with my issues ) and requested a call back from XXXX, which I have yet to receive.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/2020 i receive a payment a deposit for XXXX for annual royalty payments. i never seen any of the money i contact sound exchange They my account on for other rise that don't make any scene. 

XX/XX/2020 i receive my annual payment for BMI 2 payment total of XXXX royalty. 

In this process I was closing my bank account I received notification that my deposit was deposit. form the bank and B M I Last night I received my unemployment UI Total of XXXX, i went to the bank because the account is in the close stages. 
That said they can withdraw the deposits But it would be XXXX i said that not the full deposits. they said that my BMI money never cleared my account. Wish that is not true.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy right Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6l1. 
My contact information is as follows : XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

When the COVID-19 pandemic first occurred I called the company, Credit Acceptance, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.