davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (SC)

A company called XXXX XXXX XXXX reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from XXXX. I never signed any documents with them. I never took out a loan with XXXX. The company sold this loan to a debt collector named Vance & Huffman. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with XXXX  but Vance & Huffman who bought the debt from XXXX  and should also get in trouble for not reviewing XXXX  before buying this debt ( especially with so many similar complaints out there about XXXX  ), they list XX/XX/XXXX  as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (NY)

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (OH)

This company called today XX/XX/XXXX  at XXXX asking for me, Mind you they have been calling for the past couple of weeks They asked for me I said yes what do you need they claim they are deby collection for UCB and they wanted me to verify my date of birth and address I would not give them that sensitive information over the phone nor will I ever. I asked them If they were legit then send me a letter they claim they don't have my address. well if they are a creditor they can get it from the creditor. I don't know who they are or what they want But I want them to stop calling me ASAP please I'm mourning the death of my father I will not be harrassed day and night over a bill. Please asked them to stop calling me thank you
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2023, I obtained an American Express XXXX XXXX Credit Card, primarily attracted by its advertised benefit of XXXX XXXX enrollment, a significant feature for a card with a {$650.00} annual fee. However, since then, I have been unable to register for the XXXX XXXX due to ongoing technical issues. 

I first contacted American Express regarding this issue in XX/XX/2023. In response, I received a case ID, XXXX, with assurances that the problem would be resolved. After noticing no progress, I reached out again, resulting in a second case ID, XXXX. Despite these interactions, the technical issue persists, unresolved for over three months. 

During this period, I have had seven flights where I could have benefited from the XXXX XXXX access. The inability to utilize this promised benefit has been a significant inconvenience and a failure to deliver the value that was a major factor in my decision to choose this card. 

The American Express team continuously claims that resolving this issue is their top priority. However, the prolonged duration and lack of effective resolution have been disappointing. This experience has significantly impacted my view of American Express and the trustworthiness of the benefits they advertise with their high-fee credit cards. 

I seek immediate attention to this matter, a swift resolution to the XXXX XXXX registration issue, and appropriate compensation for the months of lost benefits and inconvenience.
Consumer complaint received 2023-10-18
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXXXX/XX/XXXX XXXX, GA XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXX XXXX Balance XXXX : {$520.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance Owed : {$850.00} ( Original Creditor : XX/XX/XXXX ) XXXX Balance Owed : {$240.00} ( Original Creditor :XX/XX/XXXX ) XXXX Balance Owed : {$50.00} XX/XX/XXXX
Consumer complaint received 2023-12-05
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. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX. 

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : 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  I request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights. 

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-05
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 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 that the information is inaccurate.
Consumer complaint received 2023-07-01
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. (MI)

Equifax and XXXX is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging Equifax and XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank took my funds from my Checking account and my Business account and said they debited the accounts and put an overdraft fee on top of the funds they stole from my account Business # {$100000.00} and my checking # XXXX XXXX where did they send my funds to? 
Its Bad to Rob a Bank But Okay for A Bank to Rob customers? I Need answers their not providing any answers or Showing where they sent the funds to? Contact me XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

For unknown reasons my Fortive credit card account was frozen. I did not know it was frozen since I had not used it in several days. After several failed attempts to make payments before the statement date I called at the last possible moment before the close of business. I was told that my payment for {$700.00} to bring the statement balance from XXXX % usage to 10-15 % usage. This payment was never processed. The next day when I called to fix the situation I was told that the card was frozen because of the excessive payments that I had made. Although I was far from overdrawn and not late on my account payments, the account was frozen. I was prevented from making a payment to force a significantly higher reported statement balance to the credit bureau. Their abusive actions are and misuse of the control of my funds is mind boggling to say the least and quite possibly very detrimental to the credit I am rebuilding. This has to be illegal to indiscriminantly interfere with a person 's financial well being. when I asked what could be done, I was told " nothing ''.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian XXXX : Is practicing false credit reporting and violating my privacy, slandering my reputation as a consumer. Specifically : They are reporting by way of Dept Of EdXXXX XXXX Experian is reporting XXXX  as XXXX  days late ( no XXXX, XXXX? ), if so please provide documents for that as well. I have asked and am again ( willful negligence ), for proof of this ( bank statements ), or update to paid ok. If the company can't provide proof ( statements ), update to PAID OK. Additionally, Experian XXXX is reporting that Dept. Of Education XXXX  reporting under WORST DELIQUENCY ( NO DATE ), that the account was XXXX  days or more past due. Please provide paper documentation that verifies this and not just " parriott '' XXXX. XXXX ( XXXXXXXX XXXX XXXX. ). 
I am further requesting {$1000.00} compensation as per the FCRA for false, inaccurate credit reporting, that is damaging to my reputation and privacy. Makimum possible accuracy isnt being used to report my information as Congress has dictated. 
Lastly, the balance should be XXXX.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MO)

We submitted multiple checks for escrow and scanned the front of the checks ( front only ) and emailed them to the contractor as proof of delivery. The contractor was fired from the project after delivery of the checks to escrow. The checks were written on XX/XX/XXXX and cleared our account on XX/XX/XXXX. I called our attorney to confirm he still had the original checks in his possession, which he did, still held in escrow The contractor printed the PDF 's that were emailed to him, cut the paper into check size and endorsed the back, which as a blank sheet of paper and proceeded to mobile deposit them into his Bank of America account. You can clearly see in the attached documents that the checks were printed on a printer, cut into size and the back is blank because it was a sheet of paper and not an actual check. We notified our relationship manager at Regions bank on XX/XX/XXXX regarding the fraudulent checks, she agreed they were fraudulent and informed me we had 60 days to file a complaint. The checks were on our XX/XX/XXXX statement so we were within the time constraints. Our relationship manager incorrectly filled out the claim so Regions internally rejected the claim twice in 4 months without ever sending the claim to XXXX  XXXX XXXX. When Regions finally sent the claim to XXXX  XXXX XXXX, at our request, XXXX XXXX XXXX paid 2 of the 7 fraudulent checks but the contractor had drained his account of money so the other checks didn't get paid. I've attached copies of the checks and a response from Regions regarding the claim. 

Regions still does not fully understand that the images that were mobile deposited are not of the actual check, they were photos of an image printed on a printer with no actual back of the check.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AR)

On XX/XX/ at XXXX XXXX I attempted to make a cash deposit of {$340.00} into the ATM at regions bank .. the atm screen showed an error message, my deposit was not debited to my account and the atm did NOT give me my cash back. I IMMEDIATELY tried to check my balance following the transaction to see if the cash was deposited and it was in fact NOT deposited. I then immediately called the regions customer service line and filed a complaint while still sitting at the ATM. I did not leave that atm until my claim was filed. Now almost a month later, I have received a letter stating their atm was in balance and they are taking my money. THAT ATM ATE MY MONEY. I WANT the camera footage pulled up and my money left ALONE. I will be filing more and multiple complaints with Regions until this is resolved. I took pictures of the ATM that caused the issue I immediately called without leaving the ATM. I want the camera footage if you can not fix this error on your own. That is MY money and their ATM made a mistake.
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (PA)

The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect information.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (GA)

I have XXXX Im sitting here and received a call from Sunrise Credit Services harassing me over a so called debt I have with XXXX internet services I had. XXXX messed up my bill several times stated I owe money for a modem I never received and they charged me for an extra month of internet services after I requested a disconnection. This is not legal for someone to charge you an extra month of internet services if you requested it be disconnected. I never received a final bill from XXXX I received a collection call from Sunrise credit services and havent received anything from them in the mail either. If anything is placed on my credit report I will file a lawsuit against both parties XXXX and Sunrise Credit Services.
Consumer complaint received 2023-12-02
Product: Credit reporting 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)

Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 that the information is inaccurate.
Consumer complaint received 2023-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (MS)

I am requesting assistance from Prosper in reversing the charging off of my loan. I was actived for military duty from XXXX to XXXX and was in a remote area with limited ability to make phone calls due to my XXXX XXXX and the fact that I was in a XXXX XXXX XXXX 

I emailed Prosper to let them know that I was on XXXX XXXX and to request to update my payment method via email since I had limited ability to call. They declined and insisted that I call. After returning from XXXX XXXX, I called to inquire about my account and was informed that my loan was charged off in XXXX. Despite me informing them I was XXXX and that email was the best way to get in contact with me, I received no notifications about my account being charged off via email. During the call after my XXXX when I found out about the situation, I requested that they reverse the charge off and they refused. I appreciate any help that the CFPB or Prosper can provide in reversing the charge off and letting me to resume payments. My military XXXX caused a number of hardships for me and now I have to worry about a charge off on my credit score.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Since XXXX of XXXX, I have been submitting them proof of hazard and all kinds of insurance that is provided by my Home Association and they kept claiming they are not getting them, even though I get an email stating it has been received. Now for the month of XXXX and this new bill, they are charging me {$280.00} more in my mortgage payments stating they had to buy insurance for me. I have proven them multiple time that I have insurance. When I talk to the insurance department, they said they canceled the purchase of new insurance back in XXXX but I am still getting charged. They keep transferring me from department to department. They escalated my last complaint and I was supposed to get a call back within 5 to 7 business days. It has been 3 weeks, and no answer. I am currently on the phone with them and they put me on hold. It has been over an hour and Im still holding. No one is helping me with this and I can not afford to pay almost {$300.00} more for something I already proved to them I have 10 times now