davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ) XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C. (TN)

I received an affidavit from Nathan and Nathan P.C. back in XXXX stating that I owed XXXX XXXX XXXX. I was not aware of my rights at the time, so I didn't request validation. I contacted Nathan and Nathan P.C. to set up payments for the alleged XXXX XXXX debt. although it had been charged off. I ended up making two payments in the amount of XXXX around XX/XX/XXXX and XX/XX/XXXX. In XXXX XX/XX/XXXX I received a letter from Nathan and Nathan P.C stating that if I was going to receive a tax refund, I should consider payment and if I choose to pay, they will give me a deal instead of paying XXXX I can pay XXXX. I never responded to the letter. XXXX XXXX I was at work on payday and checked my account and noticed that my check was really short. I began to do my research at work and found a letter in my email stating my job received a letter from the courts to garnish my wages 25 % I was devasted to say the least. I then called the courts to see what my options were because I could not survive off the amount that was left to take care of my family. The courts directed me to do a slow pay where I can go in front of the judge and tell him what I can afford. XX/XX/XXXX the judge allowed me to pay XXXX/month for 6months and in 6months he instructed me to come back to see if my financial situation was better so that I can pay more. XX/XX/XXXX, I sent Nathan and Nathan a debt validation letter along with a cease and desist. XXXX, I received a letter from XXXX XXXX  stating that they investigated my account and found that no fraud had been found on my account and that they have not made any adjustments and if I have any question to contact the third party that handles the account. which lead me to believe that Nathan and Nathan P.C. reached out to XXXX  XXXX after they received my debt validation letter. they are trying to cover their tracks. yet I still haven't received validation from them as of yet and it has been over thirty days however, I did receive the green certified card back that I sent along with the letter, so I know they received the letter but have not responded.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX AT XXXX XXXX XXXX, XXXX, SC XXXX Has been sending me collection notices in the amount of XXXX. 
The collection has been reported as " open '' and with a " past due '' balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-03-15
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. (MI)

I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.
Consumer complaint received 2022-06-28
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. (MO)

XXXX of XXXX  i sent in dispute letters to XXXX, XXXX and experian. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DeptedXXXX
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation (NV)

On XX/XX/2021 I obtained XXXXXXXX XXXXXXXX XXXX XXXX to give me an estimate on home repairs and was given a quote of {$7800.00} and decided to use XXXX XXXX fiance company at the time was XXXX XXXX and then changed to Concord Services. The job was completed in XX/XX/2021 and I made my loan payments on time and paid the loan off XXXX21. This morning XXXX2021 I had an email from XXXX noting a new loan reported on my credit report from no other than Concord Services showing my account is still active and it should be showing closed out. I filed a complaint with XXXX  and there are numerous complaints with this company with same issues. This reporting has cost me -22 points on my fico score and I want this false reporting removed ASAP!
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX of XXXX  i sent in dispute letters to XXXX, equifax and XXXX. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX
Consumer complaint received 2024-12-15
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/year> I was charged {$1200.00} for bad service and parts.

My truck was broken down and parked in the rest area
.

The road service XXXX XXXX XXXX drove up to me on their own and offered to fix.

After my explanation about electrical issues, they PROMISED to fix the problem with the engine starting.

They found by their opinion that the starter is bad and offered to buy a NEW one and deliver to me.

They replaced it and nothing changed. The engine still couldn't start. The problem was not in the starter, but after payment they left and took my WORKING starter. I had to pay them by invoice, otherwise I would have had problems with them.

I took pictures of their starter just in case and the pictures helped me later.

I ordered the towing to the other shop, they fixed the electronic issue and I left the shop on my truck.

In the next 1-2 days, the starter started getting worse and worse. And I came to another shop to check the starter, I was already in other location.

The new technician showed me the scratches on the starter on my previous pictures and told me that the starter was already used before installation and it looks
like the starter was defective, XXXX, not original.

After removing the defective starter, he showed that it was painted in addition, and it didn't have the factory
sticker like original XXXX parts. 
After replacing, the new starter works perfect. 
I wasted a lot of time and money because of their bad service and parts. I have disputed that transaction and asked getting my money back. All invoices and pictures are available as a proof.

I've attached 3 invoices : - XXXX XXXX XXXX This is a disputed transaction. They didn't fix the issue and installed the broken not original XXXX starter. 
XXXX XXXX XXXX XXXX XXXX invoice. The next shop found and fixed the electrical issue, that bad starter was getting worse. 
- XXXX $ XXXX The last 3rd invoice. The starter stopped working. The next shop replaced to the Original brand new starter. See the notes in the invoice from technician.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Good afternoon, I am forced to file a complaint against SunTrust /Truist ; XXXX XXXX because I was denied removal of the PMI from my mortgage. Once I realized my payoff had dropped below 78 % of the original loan amount and that the PMI had not been automatically removed. I currently stand at 76.6 % of the original loan. 
On XX/XX/2021 I sent a fax to the SunTrust 's PMI department concerning this issue. 
On XX/XX/2021 I contacted SunTrust by phone and spoke with a representative. I was informed that the request to have my PMI had been denied and that I was sent a letter concerning same. I informed the rep at that time that I had not received a response and I requested that she email the letter to me ; which she did. 
According to the date of the letter, SunTrust responded on XX/XX/XXXX with a denial letter. 
The reason I was given as to why my claim was denied was " because they had no way of discovering the value of my property ''. However the denial letter suggest that i purchase a BPO which was not a guarantee that my PMI would be removed. 
It was revealed that SunTrust representative, XXXX XXXX, was responsible for denying the PMI removal request. My request to speak with Ms. XXXX was met with " There is no way for you to contact her ". This culminates into what we are corresponding about today. My only recourse was to file this complaint in hopes that your office could compel them to adhere to Federal Law. 

Thank you for your time and attention. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing!

Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
Consumer complaint received 2022-06-28
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. (MI)

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX XXXX XXXX -LATE PAYMENT ) 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 2021-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

Heartland ECSI keeps rejecting my documents to receive loan cancellation and deferment for being a Special Education teacher in a title 1 district. I have held this full time position since XX/XX/XXXX. 
On XX/XX/XXXX I submitted the forms with a letter from my principal to have my loan cancelled and deferred and it was rejected. I called Heartland ECSI to ask why and they said to have my principal add the dates that I have been employed. On XX/XX/XXXX I submitted the forms again with my principals letter and they were rejected. I called again and they said to have add a paragraph about what my job is. On XX/XX/XXXX I submitted to have my loan put on forebearance until I can get another letter from my principal. My school has been virtual since XX/XX/XXXX and its been extremely hard to get paperwork from my principal. I dont understand why I needed to have a letter from my principal in the first place, she filled out the entire form for me stating that I am a teacher at her school. Why were my original documents rejected?
Consumer complaint received 2022-06-28
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MEMBER FIRST MORTGAGE, LLC (MI)

Member first mortgage continues to report an incorrect balance due to the credit bureaus. 
XXXX XXXX XXXX reported an increase to the balance due of XXXX. XX/XX/XXXX reported an increase of XXXX to the balance due. XX/XX/XXXX reported an increase of XXXX to the balance due. So, they reported a balance due to the bureaus of XXXX But if I login to my account, the actual balance due is XXXX approximately. I have asked them multiple times to fix it starting XX/XX/XXXX. Instead of fixing it, they added more to the balance XX/XX/XXXX. I keep getting excuses from them that they are working on it, it's a system error, blah blah blah. A dispute has been filed with XXXX and also a complaint with the local XXXX. Nothing has been done.
Consumer complaint received 2022-09-17
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: BARCLAYS BANK DELAWARE (OR)

Barclays Credit Card Fax : XXXX RE : XX/XX/2022 XXXX. XXXX Dispute charge on XX/XX/2022 for XXXX XXXX Let me start this conversation by letting you know that this is the worst credit card I have ever owned ; your customer service is terrible, and your dispute department is no better. Once my attorney fixes this mess up with this timeshare, I will close my account and let Wyndham know how I am treated by a credit card they endorse. 
This charge was not an authorized charge. This card was only supposed to be used if we defaulted on a payment. 
So, I am saying this was a fraud charge since we signed up on XX/XX/XXXX, and they charged my card as if I defaulted on the loan. 
XXXX XXXX did not notify me that this charge would be billed. We are in the process of sewing this company for fraudulent statements and misleading statements. 
So, as you can see, if we purchased a timeshare, even if it is fraudulent, on XX/XX/2022, this card should have only been billed if there was a default on loan, and we didnt even get home on XX/XX/2022. So, to refinance with a local bank, how can we be in default? 
These are not the only thing they have lied about and done that was unethical ; therefore, we got an attorney in XXXX to fight this company. 
I am not sure how clearly ; I can be with you when they do not give you copies of what you signed at the time of purchase until you get back to the states ; we ask for a copy of what we signed at the time we were in XXXX. 
As you can see, this is a hot mess being taken advantage of when you are out of the country, and now, we must fight them from the United States. 
I am unsure how to say it to make you understand that this card was not authorized. XXXX XXXX fraudulently did it. 
Therefore, we have an attorney fighting this company. I have already reported this company to several different international companies. 
Plus, I have warned everyone on XXXX, I will not stop until I get them for everything ; they have put my husband and me through. My stress level is very high, so I would appreciate it if you would work for your customers, not the merchants isnt the first problem I had with your credit card when it comes to disputes. There is a big difference between XXXX and XXXX I have asked to speak to a manager and havent talked to one yet. 
Let me know if you have any questions. 
In this case, it needs to reopen. I will not play with your credit card much longer ; you are a big part of the stress. 
Thank you XXXX We have hired two attorneys, one in the U.S.A. and one in XXXX, to fight this fraudulent purchase court case is scheduled for XXXX in XXXX, Case Number XXXX They will not dispute my account since they do the billing for XXXX XXXX XXXX which it s unethical.
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

XXXX 1. XXXX Account Number : PXXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.