davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
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. (UT)

I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both Equifax and XXXX.
Consumer complaint received 2022-04-27
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. (NC)

In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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 2022-04-13
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (OH)

Cash app send me a message on XX/XX/2023 regarding my mother doing a dispute and cash app is taking the money out my amount. Then I looked at my bank account 5 minutes later and {$800.00} was debt out my account. This was not authorized. This is the second time cash app took {$800.00} from my account. The {$800.00} that they took out my account was already returned to my mother from me on cash app on XX/XX/2023. She sent it to me of the amount of {$800.00} first on XX/XX/2023. When I cashed out the {$800.00} it was a instant fee of {$14.00}, so XXXX was cashed into my bank account. Cash app debit my account of {$800.00} ( which was unauthorized that money was returned to me ). I also send my mother {$810.00} on cash app returning that {$800.00} that she send me. This was in XX/XX/2023. I did a dispute with my bank and also cash app on XX/XX/2023. My mother said she did a dispute that had nothing to do with me with her bank. She said that she did a dispute in the beginning of XXXX. She received her money on XX/XX/XXXX regarding her claim that had nothing to do with me. I don't understand why her bank or cash app will take my money out my account. She said that the month that they took from me was not return to her in her bank account nor cash app. I do have all my receipts.
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have made mortgage payments to Select Portfolio Servicing Inc. They failed to report receiving the payments. 

I need them to correct the statements to include all payments received. 

I also want to request the Note on the property. The mortgages have been inactive on XXXX for years, and the last know servicer is XXXX XXXX XXXX, so why is SPS my servicer, do they have rights to service my loan, who gave them this right?
Consumer complaint received 2022-04-13
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co (FL)

SAFCO is reporting this account inaccurately by stating that it was voluntary repossessed '', SAFCO does not have a signed waiver or any agreement at that that states that I gave them possession of my vehicle that I obtain extending my credit. I am making this complaint to make you all aware that safco and the consumer reporting agencies are causing substantial harm and ruined my reputation due to this inaccuracy of reporting. Pursuant to 15 usc 1681e ( b ) the consumer reporting agencies have a duty to keep my report accurate as they assumed this vital role 15 usc 1681 ( a ) ( 3 ). Safco has knowingly report this false and misleading information because when I have call earlier their excuse to marking it as a voluntary repossession was not authorized by an written and or express agreement to do so. I value my reputation and entrusted SAFCO and the consumer reporting agencies to keep everything accurate.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received a debt collection letter back in XX/XX/XXXX for a bill receive in XX/XX/XXXX for my XXXX ur old daughter. The bill was not submitted to the wrong insurance and was rebilled to the correct insurance. Once the bill was paid I received a copy of it paid in full to the XXXX XXXX XXXX XXXX who submitted it to Wakefield and Associates Debt agency. The bill knocked my credit score down. I recently received a credit report pull showing this same company who reported the Same debt under a different company name XXXX same amount under a different name. I contacted Wakefield about this matter with proof it was paid with a copy of the payoff letter. They agreed to remove this debt and unfortunately the damage is done to my credit again ( XXXX points ) after I have established good credit for XXXX a month from closing on my new home for a second pull for a better rate. Now instead it will show a collection if not remove by XX/XX/XXXX. I have worked hard all year now even they the agreed to remove it my points are gone. And now XXXX cant get them back and all they can say is sorry the credit bureau stated that they may not give me all my points back which is very very unfair because I earned all those points paying my debts a need credits. I am so enrage and very upset my family needs a home I am a single mom with XXXX kids and these sorry people done this without fact checking even if they do remove it I am doomed to start over on points from their mistake which they admitted to being slick trying to collect extra money. I am furious I have worked so hard for them to do this. The company Wakefield and associates tried to change the name of the company to make it look like another company I owe debt to when its the same company different name change which has been satisfied by payment in XXXX and was removed and now this debt appeared again. I am livid over my points and score change for no reasonable cause due to human error. So I want my same amount of points that was taken placed back when the collection said that they promise to remove this and has not been removed at all three credit bureaus. I earned my points fair and square. PLease do something about this fraudulent company reporting. Thanks very upset consumer.
Consumer complaint received 2018-12-24
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: AMCOL Systems, Inc. (FL)

There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
Consumer complaint received 2022-03-10
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. (TN)

Since XX/XX/XXXX, I have written four certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Date of Last Payment This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

I opened an Amex XXXX XXXX XXXX card with a welcome bonus of XXXX with a requirement of spending XXXX dollars within 6 months. The account was open on XX/XX/XXXX and statement closing date was XXXX of each month. I fulfilled the spending requirement in early XXXX. I spent {$4200.00}, {$1400.00}, and {$3900.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statement. 

Since I did not receive the bonus points shortly after I met the requirement ( usually it is posted within days ), I contacted American Express Customer Service at the end of XXXX through online chat and phone call. The online chat agent told me my welcome offer was declined. The agent in the phone told me the offer was valid and I need to wait XXXX weeks for the points to be posted. On XX/XX/XXXX, I contacted both sides again, and got the exact same two versions of answers -- one said the offer is valid and I need to wait, and the online chat told me it was declined and I am not eligible. 

This is by far the most disappointing and unprofessional customer service I have received from Amex as a six year customer with them. The phone agents were not paying attention to my words but keep repeating the terms. The online chat agents were also not providing explaination for my case but just forcing me to accept the situation that did not happen to me. 

I never received a notification when I applied the card, the application was smoothly submitted and approved without any notification that I was not eligible. I am not sure why the agents were insisting on that. That was a fraudulent and misleading advertisement at the begining, or Amex declined my offer internally without providing me a letter.
Consumer complaint received 2019-02-05
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. (MO)

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XXXX, ( 6 ) XXXX, XXXX, XXXX, ( 7 )  XXXX XXXX XXXX , XXXX, XXXX, ( 8 ) XXXX  XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022 my account was charged through a company called XXXX and I did not give them permission to they had went through my paypal account to then charge my bank account which is connected to XXXX. My account then went overdrawn that day and I went in the negative - {$17.00} after just fixing my account positive XX/XX/XXXX. I did not know this company did this to my account until I relooked over my account on my cellphone Fifth Third Banking App, once I noticed I contacted the bank which was on XX/XX/2022 and they stated they would not charge my account more than two overdraft fee. Then I wound up with three charges of overdraft fees to my account. I then went to a Fifth Third Bank Branch to discuss further because the Customer Service on Phone nor Online could help with furthering my issue of being fraud and hacked by the XXXX company which I had contacted myself to get this resolved and my money back that they had stolen out of my bank through XXXX. I then was told that my MyAdvance that I had was taken from me because I was negative for more than 15days, but I was negative for only 7 days before I had the company return my money to my bank which at that time I had only been charged 2 overdraft fees a {$25.00} and a {$37.00}. I went back into the Branch to get my myadvance turned back on XX/XX/2022 then I was told thered be a request to get my myadvance back but it wasnt positive I would be able to get it back. I then spoke to XXXX XXXX over the phone and she told me that I would be contacted about what could be done then, so after being told that I was finally contacted again on XX/XX/2022 and was told I would have to open a brand new Checking account with them ordinary to claim this as a fraud and hacking done to my first checking account. After creating my new checking account XXXX XXXX said shed call me back once she heard something about my myadvance being turned back on and given me my full limit I had had before, here it is now XX/XX/2022 and I still have not received a call back from her. Today I called XX/XX/2022 and asked to speak to her and they tell me that she wont be available until Friday XX/XX/2022, then was told that my message could be relayed to the Manager, I asked to speak to the Manager but was told she was busy with another customer at the time and that I would have to wait to be called back from the Manager about this. I expressed I can not wait any longer seeing as I have bills I wanted to pay with my myadvance.
Consumer complaint received 2022-08-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Mr XXXX from AmeriSave Mortgage has mislead me. The website said there was not application fee. I told them I was retired and on limited income. This was not a problem when they took my {$500.00}. Now they say they need employment verification. I have sent them the stuff and they keep asking for it over. XXXX XXXX in the XXXX office never responded to my emails. The original mortgage rate has changed and I am still waiting. It appears that because I am retired this is now an issue. I have been employed part time. Their story keeps changing. I feel like they took advantage of me when I asked why it said no application fee on the web site and I was being charged an application fee Oh you will get that money back then it was you will get it back when the mortgage is finalized. This has been going on since XX/XX/2020 2020
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

On XX/XX/XXXX of 2021 Phoenix Financial Services violated my rights and damaged my credit report by insinuating I owe them {$1100.00} without my permission or written consent. 
I attempted to dispute the items on multiple occasions, yet they verified the information was correct which continued to damage my credit report and score. 

According to 15 U.S. Code 1681 Section 602a 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (MA)

My XXXX  XXXX XXXX was repossessed, I lost my job during the pandemic I couldn't make the payments they came and took the vehicle while I was sleeping. I am now in the collection for XXXX.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (PA)

Back in XX/XX/2017 I finance the vehicle from GM financial and in XXXX of 2017 I was in a car accident which ended being a total loss they still continue to bill me and they knew this car was a total loss then several months after the insurance paid the vehicle off they reported I had four late payments and it didn't take my insurance that long to pay it off. In addition, I was totally unaware of they continue to bill me. Moveover, four years later GM financial continues to report on late payments though the car is paid off. I contacted and told I was totally unaware of them continuing to bill me though I did not have the vehicle and that it's hurting my credit and they said they can't do anything. This is a malicious act by GM financial the vehicle been paid of for four year now.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX