davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NE)

The Franklin Collection Service is trying to collect on a debt that I had from XXXX in the amount of {$450.00} that was settled and paid through another collection agency, XXXX XXXX XXXX for 50 % of the balance in the amount of {$220.00} on XX/XX/2020, and is refusing to review and remove this debt from my credit report. I have sent XXXX, XXXX, and Franklin Collection Services all of the settlement and resolution documents through multiple disputes with all three agencies for the past three months that prove I have resolved and paid the creditor XXXX debt, and all three are refusing to remove this item from my credit report. Originally, this debt was being collected upon by two separate collection agencies, XXXX XXXX XXXX and Franklin Collection Services, and XXXX XXXX XXXX was the agency that I chose to work with to clear this debt. Ironically, XXXX  and XXXX  both accepted the resolution documents to clear the XXXX XXXX collection account and remove it from my report, but are failing to see that this is a duplicate collection account on the same debt from the same utility company even after I have explained it clearly. I provided the contact information of the representative " XXXX XXXX '' of XXXX XXXX XXXX, the confirmation number of my transaction and the account summary that names the creditor, myself, and the request to all credit reporting agencies regarding this account be deleted or removed from their records. I feel that Franklin Collection Services are continuing their actions due to I chose to work with XXXX XXXX XXXX and not them and are illegally trying to force me to pay this debt twice through strong arm tactics with my credit report through XXXX  and XXXX  that I have no control over which both XXXX and XXXX  are assisting Franklin Collection Service in doing so. Even after all of my attempts to follow all of the proper disputing steps of each agency to do my part in resolving my debt, Franklin Collection Service, XXXX, and XXXX  have ignored the facts that I have provided before them and are continuing to work together to continue to collaboratively inflict negative credit damage to a consumer that has been following their posted credit repair procedures.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I saw a property for rent on the internet, so I wrote and put my email so that they could give me information. Then they texted me, saying they were writing to me about the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They asked me how many people we were, etc. They told me the amount of the rent and the requirements. We make an appointment to view the property. On Saturday, XX/XX/XXXX of this year, I went to the property, the supposed owner called me, told me that they would send me a code to open the door of the house, and the same thing happened, they opened the house through a smart application! We saw the house my brother, my husband and I, only! And the supposed owner was always on the phone. He told me that in order to take the house off the market and set it aside for me, he had to give the refundable security deposit which was the same amount as the rent! So I sent it to XXXX and then {$75.00} more for each person to apply for those who would live on the property! Ok, so it was {$1400.00} plus {$300.00}. Then he asked me to pay the first month 's rent in advance! But I began to doubt, and then I did not make that payment! The person insisted, he called me, he sent me messages and I told him that for me to be safe, that we should see each other so that I know that it is not a scam, then he sent me the supposed identification that was the driver 's license, I investigated it on XXXX but really I'm not sure it's that person! XXXX spoke with an accent like a person who doesn't speak English well! And he told me that he would talk to his lawyer, today he called me a different number saying that it was his lawyer! I said that I want my money that I have family to support that I need my money and the person blocked my calls, he told me that ok he would pay me and still nothing! This is the number through which I have been called and written XXXX ( XXXX ) XXXX and this is the supposed lawyer XXXX ( XXXX ) XXXX This is the supposed Homeowner and property manager XXXX XXXX XXXX XXXXXXXX. and this is the email where I made the XXXX : XXXX and this email sent me the alleged rent approval letter XXXX And the name of the supposed homeowner is XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (SC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the XXXX XXXX  also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the three credit reporting agencies as its a duplicated re-aged collection.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (GA)

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit.

Account Number for XXXX : XXXX
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I disputed inaccurate and incomplete information on my TransUnion credit report. I even sent them proof of the inaccurate information on the accounts that I disputed. The claim to have investigated the accounts but after the alleged investigation they continued to knowingly report the inaccurate and incomplete information. I sent them another dispute letter after receiving the results of the investigation. Enclosed in the second letter I explained in detail what was inaccurate and incomplete and I showed them proof that those accounts were removed from my XXXX report. Instead of them removing those inaccurate accounts they decided to respond with a stall tactic stating that they will not process my request unless they come directly from me or an authorized third party. I am not using a third party. My disputes came directly from me and I let them know that. 

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-11-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from XXXX site online using my BoA card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - XXXX transactions of {$600.00} were executed for buying Digital gift cards totaling {$2400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed 3 transactions and gave me credit however did not reverse the 4th transaction of {$600.00}. 
4. I called the fraud department and they gave me a temporary credit via letter dated XX/XX/XXXX however reversed the decision on XX/XX/XXXX XXXX. I called the Fraud department and they asked me to appeal against the decision. 
6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim via a letter dated XX/XX/XXXX. I went to a BoA branch and we faxed all the necessary documents including Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. I followed up with my banker however these charges have still not been removed.

9. Instead BoA went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance.

10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. 

Request you to please help take it up with Bank of America card services. 
Thank you
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To be foward to Experian : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX / XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX  ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Consumer complaint received 2021-02-21
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. (GA)

Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-06-13
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. (TX)

On XX/XX/2022 I sent Equifax a letter disputing the in Inaccurate and incomplete information on my credit report. I sent them proof of the inaccurate and incomplete information on my report and they responded with a stall tactic requesting proof of my identity which they already have. This I know because I have been disputing with them for a while. Enclosed will be that Equifax has been knowingly reporting inaccurate and incomplete information on my credit report as well as proof that I have been disputing with them. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( CLOSED ) Account Number XXXX 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 2022-02-11
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 sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( XXXX XXXX XXXX XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). 

... ... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Consumer complaint received 2020-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I used my Capital One credit card to purchase XXXX tickets on XX/XX/2020 for {$620.00} with a 100 % cash back guarantee understanding upon purchase if event cancelled for any reason through XXXX Upon purchase my tickets were transferred digitally to XXXX where I have an account. Later the event was cancelled. XXXX showed my tickets as voided. I contacted XXXX and they said for me to contact XXXX as they had no affiliation. I contacted XXXX but their telephone line was inoperable and so was their email which only returned a non-operating domain response. I reported dispute to Capital One. They said they contacted XXXX via the banking system who claimed I had received a " coupon refund. '' The coupon does not show up on XXXX and there is no account or the possibility to have an account at XXXX. Again it is impossible to communicate with XXXX. Capital One asked me to submit my supporting documentation. My documentation provesXXXX is running a fraudulent organization. I submitted over 20 pages of documentation including XXXX and XXXX  reports of extensive complaints similar if not identical to mine against XXXX. Despite all my documentation Capital One is refusing to reimburse me and by ALL evidence is aiding and abetting XXXX in their continuing fraud on the public.
Consumer complaint received 2021-11-11
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. (IL)

.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/XXXX and XX/XX/XXXX XXXX it's more than 60days
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

To Whom It May Concern, The reason for my dispute is LVNV FUNDING LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) LVNV FUNDING LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation LVNV FUNDING LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where LVNV FUNDING LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. LVNV FUNDING LLC has not even tried to contact me  regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (UT)

I moved into the XXXX XXXX apartment complex in the summer of XXXX. I began noticing inconsistencies in their contracts, verbal agreements and even in respecting our privacy. Many times the maintenance man brought people over to tour the apartment without giving us 24 hour notice or asking if we were comfortable. This individual has been accused of certain behaviors by my previous roommates, other tenants in the complex and myself. There were times things would be moved throughout the apartment that were not moved before, lights turned on that weren't before, etc. These would take place when no one would have been in the apartment for days at a time. During the summer of XXXX, XXXX was making it impossible for most of the world to be employed. Instead of understanding how I was one of the individuals that was unemployed and had paid my rent in advance, I wouldn't need to owe them any more money when it comes to my stay there. Many tenants had reported and still continue to report racial discrimmination issues with XXXX XXXX. I personally was charged double the rent of white tenants who had the same living situation as I did at the time. There were many false fees that they tried to charge me and my parents such as not having the apartment cleaned when I vacated the residents. I provided the company with detailed pictures of everything scrubbed and cleaned before moving out, I was then informed that I was lying about cleaning. This company NEVER takes responsibility for any of their actions especially when it comes to racial discrimminationn. The amount of times I have brought to their attention about the way they had made me feel or that their claims of owing them more money are completely false. There is a reason more people are coming forward about XXXX XXXX XXXX issues -- its a bunch of he says they say. There are more of them than he says. My credit is ruined because of the manipulation, violation of privacy and racial discrimmination that XXXX XXXX has placed on me and for that this complaint needed to be filed. They also took it upon themselves to forge my signature onto a new contract just to match what scam they were saying in the moment.
Consumer complaint received 2022-06-13
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. (NY)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.