davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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. (PA)

The XXXX XXXX XXXX is reporting to Experian that I owe them an outstanding balance of {$310000.00}, related to a mortgage I had with the bank back in 2010. This is not correct. This mortgage was included in a Chapter XXXX bankruptcy that was discharged in XXXX of 2010, so this account should have been updated to show that it was resolved through bankruptcy, and the balance should report a {$0.00} liability. Furthermore, this account has reported negative information on my credit report for a period longer than 7 years, which is also a violation of my federal rights under the Fair Credit Reporting Act. The have intentionally altered the date of last activity to an incorrect date to continue to report this fabrication on my credit profile. I have made repeated attempts to contact the XXXX XXXX XXXX to correct this issue, but they refuse to take the appropriate action.
Consumer complaint received 2019-10-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: 1st Franklin Financial Corporation (AL)

1st Franklin Financial or the process server by the name of XXXX XXXX claimed to have served me with papers on XX/XX/XXXX for a loan from XXXX which it completely false. Not once was I notified, served nor did it even show on my credit report stating I even owed them. Case # : XXXX-XXXX, process server lied about me being contacted and I didnt sign anything. I would like to know what kind of legal action can be taken against XXXX XXXX for his false statement as well as 1st Franklin Financial since it has affected my ability to get approved for ANYTHING.  Theyre trying to garnish my wages and I will not let that happen willingly.
Consumer complaint received 2021-05-19
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: GreenSky, LLC (PA)

XXXX XXXX ( aka XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX  request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX  and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX  " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.
Consumer complaint received 2020-08-18
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (IL)

This letter is to inform you that Lending Club has failed to respond to my credit dispute letter and failed to verify that this account belongs to me that I sent certified mail on XX/XX/2019. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. It is my contention that Lending Club Corporation know they can not tie me to this account, otherwise, they would have done so when I made my initial request. Lending Club Corporation is blatantly disregarding the law.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-03
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. (CT)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS BEING REPORTED ON MY CREDIT ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TOTHE ACCOUNTS THAT ARE BEING DISPUTED.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I have made disputes to XXXX to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX  by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
Consumer complaint received 2022-03-31
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. (FL)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXXXXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-08-26
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: EQUIFAX, INC. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am using Bank of America checking account. I deposited a check for a large amount. They put a hold on this amount for 2 weeks. But, I thought that money would be faster available the next business day. But no. When they held the money, I had a negative balance and payment came to this check account, and they took 2 times overdraft fees of XXXX . That is, they held my money so that they would be available for payment. wrongly took interest.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, prXX/XX/XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

My AARP/Chase Visa card needs to have plain English info about who each payment was made to as well as contact information for each charge. My monthly statement had a charge that had cryptic text for the company I paid with no contact information. Chase had no idea who they were or how to contact them.
Consumer complaint received 2021-02-25
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: CITIBANK, N.A. (WA)

To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. SEARS/CBNA XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

To whom it may concern, the following is illegally and invalidated, is reporting to the credit agency ( s ) **XXXX XXXX**, and XXXX is reporting an illegally invalidated account with the entity ( ies ) Southwest Credit XXXX opened on ( XX/XX/XXXX in the amount of {$640.00} ). 

" XXXX ( XXXX ) ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ) " XXXX XXXX ( account opened on XX/XX/XXXX in the amount of $ XXXX ) The following inquiry ( S ) are also unauthorized ***XXXX XXXX ****XXXX XXXX XXXX  XXXX ***XXXX XXXX  XXXX XXXX XXXX the following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX md, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX md XXXX I have not provided any permission for anyone/person, natural or not , to furnish my federally protected consumer information, and therefore, you are in violation of reporting an unverified, and invalidated alleged debt. According to 15 USC 1692g only a natural person can verify a debt, and central collections unit, can not legally provide a natural validation for this account. 15 USC1692e ( 1 ), stating I owe an amount for this alleged debt. This is harassment, and all are in violation of 15 USC 1692j ( a ) and can be liable for 15 USC 1692 k, k ( a ) for violation of these laws, per 15 USC 1692j ( b ). 


Cease and desist letters sent to each entity!!!
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (NH)

A couple different problems. The first of which is that I made a ACH transfer from an external bank account to my Current Bank bank account and it is nowhere to be found. Every other bank that Ive ever had the deposit shows up the same day. Its now been several days and I have yet to see it. 

The second problem is I used my card for an authorization for a hotel, and I used a different card to pay the hotel, and even though the authorization hold was canceled, it is yet to fall off and the bank is telling me that theres nothing they can do. I know thats not true because again other banks that Ive had are able to see that the transaction is canceled and make the funds available. This bank did not care that I needed that money for another couple nights hotel stay and was sleeping in my car because I had no money. Their customer service is robotic and not personalized at all and they do not care about human beings. 

Ive also asked to speak to a supervisor several times, and Ive been denied that right.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-14
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: Convergent Resources, Inc. (MS)

I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my XXXX credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. CONVERGENT  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XXXX XXXX XXXX I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XXXX XXXX XXXX reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. CONVERGENT RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. XXXX should immediately remove this from my credit report, and Convergent should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CT)

Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX  received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. 
After that, another collection agency bought the balance by the name of ( XXXX ), XXXX   XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. 
Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.