davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

These inquiry accounts were disputed on XXXX. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (CA)

I had a problem with one payment from my XXXX XXXX XXXX, I forgot to make a single payment on time and after few days they started to harass my phone with more than 8 calls daily, when I already explained to them that I will pay my bill with the next bill, to make sure I am getting charged by the correct fee. I kept on receiving calls from them ; I spoke to them telling that I knew that the collection practices they were doing were inappropriate because of the multiple times a day they were reaching my line. I told them to stop calling me, and the person who I spoke to was threatening me with making changes in my account without letting me know if I refused to keep receiving the collection calls, he was being very loud and rude so I hang up. Now I am paying my credit card on time and they are making changes in my credit report without letting me know, and I feel like they are picking on me, affecting greatly my credit report. Month after month it is getting decreased because XXXX XXXX is making inquiry after inquiry. I consider this is some kind of harassment against consumer, for no reason when I am paying month by month. I have not miss a single payment. Please stop XXXX 's on this abusive practices. 

Thanks,
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

MY FIRST COMPLAINT IS ABOUT THE AMERICAN EXPRESS CHARGE CARD THAT I HAVE. I WAS TOLD THAT I DO NOT HAVE A FIXED LIMIT BUT EVERY TIME THEY REPORT MY BALANCE, THEY DO NOT REPORT THE TOTAL BALANCE THAT I HAVE PAID OFF. I PAY THEM EVERY MONTH IN FULL. THERE IS NO WAY I CAN NOT PAY AND STILL HAVE THE ACCOUNT. WHY THEN IS IT THAT EVERY MONTH THEY FAIL TO REPORT TO CREDIT BUREAU THAT THE ACCOUNT WAS IN GOOD STANDING AND FULLY PAID OUT? THEY KEEP REPORTING LIKE I OWE THEM. AS AT TODAY I HAVE PAID EVERYTHING IN FULL, WHY DO I NOT GET CREDIT FOR MY PAYMENTS. XXXX  AND OTHERS CONTINUE TO REPORT THE TOTAL AS PART OF MY BALANCE, MAKING MY BALANCE TO JUMP UP AND THEN MY TOTAL UTILIZATION SKYROCKETS PUTTING ME AT A VERY LOW LEVEL IN CREDIT WORTHINESS AND AS A RISK. I HAVE HAD THE AMEX ACCOUNT FOR SEVERAL MONTHS AND HAVE BEEN PAYING IT CONTINUOUSLY THEY NEED TO REPORT THAT. THEY NEED TO STOP MAKING IT LOOK LIKE I DO NOT PAY BILLS, EVER! THEY NEED TO REPORT MY ACCOUNT ACCURATELY. THEY ALSO CLAIMED RECENTLY THAT BASED ON XXXX   REPORT MY ACCOUNT WILL BE DOWNGRADED. THIS REPORT BY XXXX  WAS INACCURATE AND I HAVE MADE A COMPLAINT SEPARATELY ABOUT THE EFFECT OF THIS INACCURATE REPORTING TO SEE THAT THEY CAN AMEND IT, BUT THIS HAS NOT HAPPENED. THE HARMFUL EFFECT OF THIS ACTION WAS THAT AMEX NOW USED THAT INCORRECT REPORT TO DOWNGRADE MY AMEX CHARGE CARD WHICH I VEHEMENTLY DISPUTED, BUT AMEX AND XXXX  HAVE REFUSED TO COMMUNICATE WITH EACH OTHER ON THIS MATTER AND CORRECT THE WRONGFUL INFORMATION WHICH WAS BASED ON A DELINQUENCY BY A MERCHANT- XXXX XXXX XXXX. THIS ERROR HAS BEEN REMOVED FROM MY CREDIT REPORT, BUT AMEX CONTINUES TO USE THIS INFORMATION TO DOWNGRADE MY ACCOUNT PRIVILEGES. IN ONE INSTANCE IN XXXX, I REQUESTED TO PAY A BALANCE OF ABOUT {$200.00} THE NEXT WEEK AND I ASKED IF THIS WAS OKAY, THE AGENT TOLD ME BECAUSE OF MY EXCELLENT PAYMENT HISTORY THAT IT IS FINE, TO MY SHOCK, WITHIN A FEW DAYS, IN FACT RIGHT BEFORE I PAID THAT BALANCE, THEY HAVE ADDED THAT I MISSED A PAYMENT AND THAT I WAS NOT FULFILLING MY DEBT OBLIGATION AND SO MUCH MORE, AND SENT OUT THIS INFORMATION AS IF THEY DID NOT SEE THAT I ASKED THEM IF IT WAS OKAY OR NOT AND THAT I COULD PAY IT ANYHOW, AND I WAS TOLD IT WAS FINE BY THEIR STAFF MEMBER. THE QUESTION IS, DID THIS STAFF MISREPRESENTED THE INFORMATION? DID HE LIE TO ME? DID HE DO WHAT HE WAS SUPPOSED TO DO BUT THE INTERNAL REPORTING SYSTEM WAS NOT EFFICIENT? THIS IS IRRESPONSIBLE BUSINESS PRACTICES AND SHOULD STOP. THEY NEED TO TREAT CUSTOMERS WHO ARE IN GOOD STANDING WITH DIGNITY AND RESPECT. 

MY SECOND COMPLAINT IS THAT AMEX HAS REFUSED TO INCREASE MY CREDIT LIMIT DESPITE MY EXCELLENT PAYMENT HISTORY EVEN IN MY CREDIT REPORT. THEY TOLD ME THAT THIS WILL BE POSSIBLE IN THE FIRST SIX MONTHS OF GOOD USE OF THE CHARGE CARD AND OTHER CARDS BUT THEY HAVE NOT DONE SO. 
INSTEAD, THEY DECREASED MY LIMIT ON THE CHARGE CARD LAST MONTH FOR A FLIMSY EXCUSE WHICH I DETAILED ABOVE.
Consumer complaint received 2018-08-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: General Motors Financial Company, Inc. (MO)

XXXX XXXX XXXX XXXX XXXX is calling me 10-15 times a day as well as visiting my brother, mother and landlord and harrasing them and telling them they must open their garage doors looking for a car that I no longer have due to divorce. They have left notes on the doors of my families homes as well as leaving threatening messages on my voicemail despite the fact that I have asked them numerous times not to continue to contact me or my family. Their debt collection activities are illegal.
Consumer complaint received 2018-10-01
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 have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX  but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Paypal set a hold on my account for 180 days, after 180 days they have to release the money. Meanwhile its locked since XXXX XXXX which is far over 200 days and my money ( 1100 euro ) is still frozen. 
Paypal is not willing to give me any service at all and they do not want to release my money.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (OH)

I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with XXXX XXXX. I am not disputing if I had an account with XXXX XXXX. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from XXXX XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against Alltran for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced XXXX collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (NC)

Back in XXXX, I was very sick and I had to go to the hospital. I do have health insurance. I never receieved a bill for anything I owed. I am trying to get a home mortage right now and I had my credit pulled last week and they said I had a collection debt on my report which I know could not be true. When I reviewed it, I was sent to XXXX for a XXXX bill. I never received a bill for this so I had no idea it was even due! I called XXXX to talk to the payment center and they told me that I did not owe anything as my insurance had paid everything. I asked for them to remove me from XXXX and they said they could not. I would have to speak to XXXX. I went into their XXXX NC XXXX and the lady up front said there was nothing she could do, that my credit was damaged for 7 years and to just go ahead and pay it and it will " look better '' than it being owed. She also said if I did not pay it, they could put out a warrant for my arrest for failure to pay a debt that is owed. 

If I owe it, that is fine and I will pay it in full but the hospital told me I didn't owe it and XXXX is no help in the matter. They have broken the Fair Credit Reporting Act and my fiancee is an attorney here in XXXX NC. He is wanting to file a suit against paragon for damages to my credit report but I would rather just pay the amount owed and have it deleted vs going to court over something I don't even owe and never got a bill for. All i am asking for is the opportunity to work this out and have it deleted off my 3 credit report bureaus before my fiance takes XXXX to court over XXXX dollars. 

I have heard horror stories in the past about XXXX lying, double crossing people, and I refuse to be a victim when they broke the FCRA law in North carolina. 

I have filed a complaint with Consumer Financial Bureau, XXXX XXXX XXXX, and I have also contacted my Attorney Generals office of North Carolina. 

If they are unwilling to resolve this with or without payment and delete from my report, I will have no choice but to let my fiance file a lawsuit against them to have it removed from my report as this is keeping us from getting our new home!
Consumer complaint received 2018-10-01
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. (FL)

I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XX/XX/XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped 57  points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency XXXX.
Consumer complaint received 2018-10-01
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: Regional Management Corporation (CA)

XXXX XXXX XXXX was paid in full and agreed to remove negative reporting from my credit report. The company is still reporting on my credit and is stating that I paid less than the full balance. I have letter from the company, emailed to me by XXXX XXXX emailed to me on XX/XX/XXXX. I paid {$950.00} on XX/XX/XXXX. The letter was signed by XXXX XXXX.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (FL)

I went to Florida Hospital XXXX XXXX XXXX in the year XXXX with a XXXX insurance. I was provided service and I gave my XXXX details. In XXXX, I was monitoring my credit report and saw collections from ability recovery of an amount of {$850.00}. When I called them to explain that I had XXXX and that the provider was responsible for claiming the money from XXXX, they were mean and rude to me, called me a liar and refusing to take responsibility. They will not listen to me or even give me any information. They only want my credit card details. They have been calling my phone constantly, threatening to hit my credit. I have contacted the credit bureau to get this resolved but the collection agency keeps putting it on there. I'm totally not liable for this debt. The provider failed to claim payment from the insurance I had at the time. I don't use that insurance anymore and i'm not responsible for the said amount. Thank you.
Consumer complaint received 2018-10-01
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)

I am a victim of identity theft and i have an fraudulant unauthorized account from a XXXX XXXX corporation that is showing on my equifax credit account i have provided a police report to equifax that the account is a fraudulant unauthorized account because my identity was stolen. XXXX and XXXX removed this account and blocked it but Equifax has failed to do there job even though i provided my police report also i have a fraud alert with all 3 credit bureas i also reported an account called XXXX XXXX as being a fraudulat unauthorized account and equifax closed the account but they have failed to remove it from my credit account im pissed at equifax they are not doing there job if its closed for being a fraud account then why leave it on my credit account it does not make any sense equifax are not doing there job please help me!!!!!
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (DE)

Diversified adjustments is contacting my wife and myself on an account that is more than 7 years old. We have repeatedly told them we have already paid this and we are not paying any more money on this balance. 

Along with the fact the debt is non existent in XXXX  system at this time after we contacted them directly.
Consumer complaint received 2018-10-05
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment. 
Document password - XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EXPERT GLOBAL SOLUTIONS, INC. (TX)

" Thank you for your complaint XXXX about XXXX/XXXX and  XXXX/XXXX ( Under same entity ). We've sent your complaint to the company for their response. '' This was from CFPB on XX/XX/2018. 

The company ( Collection Agency XXXX/XXXX ) responded with the attached letter and documents. Again, they never provided actual evidence I owe the money as XXXX XXXX, personally. The account is a Corporate credit card I was an authorized user. XXXX and XXXX and its subsidiaries have NOT provided evidence I am liable under the Fair Debt Collections Practices Act request for proof of debt liability personally. It is a corporate debt, not a personal debt. The collection agency as well as XXXX and XXXX have NOT properly verified the debt properly in violation of the Fair Credit Reporting Act Section 609 and Fair Billing Act and Fair Debt Collections Practices Act ( 15 U.S. Code 1692g -  Validation of debts US Code ) If not resolved through CFPB then I will pursue avenues through the State Attorney General and through my own legal counsel for damages under applicable law. Enough is Enough! I have asked several times for this to be properly investigated and proper evidence has NOT been provided. I am NOT personally liable for the debt.
Consumer complaint received 2018-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan is an FHA loan - my principal was $ XXXX one year ago- with XXXX . XXXX sold off the loan to Shellpoint-XXXX XXXX XXXX XX/XX/XXXX. Since then, my life has been a living XXXX. My normal loan payment was XXXX, Shellpoint told me they were initially reducing my loan to {$840.00} per month, then they told me my escrow was short - then they added forced hazard insurance that was a few thousand dollars- but they did not tell me why my account was going to almost double in payments! They have been trying to report to all the credit bureaus that they had my loan since XX/XX/XXXX- no not they just got my loan. XXXX XXXX told me the best thing for me to do was to get a modification because she told me my escrow and taxes were going to go up to XXXX extra per month! I did the loan mod trial from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX- they extended the loan mod because they told me my escrow was wrong and they needed proof that I had a master condo policy of insurance- I provided these documents to them SEVERAL TIMES- then they told me I needed to pay XXXX in XX/XX/XXXX to fix the 'escrow shortage ' I did so, when I checked my statements- it showed my escrow shortage went then up to a negative {$9000.00}!!!!!! They came back with a modification that was {$1600.00} a month and now they are trying to increase the principal of my loan to {$250.00}! I paid {$240.00} on this loan 10 years ago- shellpoint wants to remove all my equity and all my savings and increase my payments on a weekly basis!! I have recently been told to get a lawyer- but lawyers are costly too- SO I refused the horrible modification and accepted a repayment- the repayment was first only $ XXXX in the rears- I paid them XXXX XXXX- all my savings and my birthday money on XX/XX/XXXX- they used the money to double pay on the months XX/XX/XXXX XXXX XX/XX/XXXX and they said the rest is in undisclosed accounts- and they now are saying I am still XXXX XXXX in the rears!!!!!!!! I just gave them my last penny- and it did nothing. When I googled Shellpoint- they are doing this to thousands of other homeowners- and they are reporting me late to the credit bureaus -so I cant get another lender to take on the loan- but worst- what they report that I owe is false and not at all accurate!!!!!! SOS HELP ME please