davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

he reason I am filing this complaint is because of the wrongful and damage this agency is doing to my credit history. 

I have signed a year lease with XXXX XXXX on Saturday XX/XX/. I never moved to the premises due to the unsafe environment I've found : neighbours using drugs right next to my apartment and growing weed in the garden. 

I called the police that same day and filed a complaint. I've also went back to the management office and told XXXX the property manager that this environment was unsafe for me and that this violates the Florida Health/Safety codes and I was to return my keys and the apartment that I never took possession to under Florida Statues Landlord Tenant 83.60 Attached there's the email I wrote to the leasing office XXXX XXXX XXXX XX/XX/ after several unreturned calls and I was giving up my deposit and first month. I have also spoke personally with XXXX on XXXX XXXX but he was not helpful at all and basically said that once I've signed I had to pay in full for the full lease even if I was not to live there. 

First infringement on this contract that suppose to be a drug free environment. 

The XXXX XXXX management kept my deposit and first month ( attached money orders ) as Early termination signed ( attached addendum early termination fees ) but after 3 years of the incident and probably due to new management in charge they send this account to collections via Ideal Collection Services. 

I've been disputing this case with the credit bureaus but the agency continues to claim this is mine because they are seeking to charge for it but under the Fair Credit Reporting Act this item must be removed as explained the reasons and because the XXXX XXXX already took the fees for early termination and this case was closed.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC (TX)

The company XXXX sold me a frame damage vehicle that was illegal. The vehicle was deemed unsafe to drive. XXXX has made several mistakes on the account. This company have several complaints and should be investigated by FBI. This vehicle was not on credit due to several mistakes made by the company. They were reporting back in XXXX that the payments were XXXX when the payments were XXXX. Once advise of the frame damage it was backward and forward lies told by the company. I have had no dealing with this company since XXXX and I have credit reports showing they were removed because that was the agreement. I have credit reports showing no reports from XXXX in over 3 and 1/2 years this has not been on my credit. When it was on there in XXXX it was not being updated with the payment history. Now in XXXX of XXXX they reported that I did a voluntary surrender in XXXX of XXXX that is false and inaccurate. Also on the credit report it only shows an open date no payment history nor further information. They didn't have permission to access my credit in XX/XX/XXXX nor did I turn in a vehicle in XXXX. I have received no notices from this company at all. They are reporting false information and I want it removed from my credit report. I would like proof from XXXX showing that they have been reporting on my credit since XXXX. I have my credit report and I know they have not but I would like to see false documents they will come up with so I can take them to court.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I applied for a job on XXXX. I was told i got the job the company added funds to my account and now XXXX bank is telling me this was a spam. And that they was closing my account and i couldn't open a new account. This isnt fair i was a victim of a spam and now i have to suffer. This account is where i received my unemployment at. Now i get double trouble i cant get my check and my bank account id being closed.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2023, I attended a Club Wyndham timeshare presentation with my girlfriend at Club Wyndham XXXX XXXX in XXXX XXXX, NV. The salesperson aggressively marketed the timeshare deal to us and also offered to run our credit to see if we would qualify. Initially, we were not told that part of the purpose of running our credit was to have us each open a Wyndham Rewards Earner credit card. After we discovered this, we told the salesperson that we were not interested in opening said credit card, and that we were not interested in purchasing a Wyndham timeshare. Before we left, we each signed a confirmation that we would not be taking advantage of their timeshare promotional deal. A few weeks later, I received a Wyndham Rewards Earner credit card in the mail ( although my girlfriend did not ). This credit card was therefore opened without my consent.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MI)

I Purchased furniture through comenity bank in XXXX and there was a XXXX  month interest free promotion. They accidentally withdrew a double payment from my bank account. They gave me back a payment by check instead of a credit to the account and sent the extra payment to me in the mail. this extra payment was coded on my comenity account as a charge that I made and ever since they have been charging me interest on an account that was to be interest free for 48 months. Every month I have to call in to get the finance charges credited back and some of the representatives are giving me a hard time and trying to explain to me why I am being charged. Some of them have been argumentative and simply rude. I have been hung up on. I have requested a dispute but nothing was done at the end of the 30 days. I have asked several times if someone from management can call me back and that has never happened. They are refusing to allow me to speak with someone higher up to resolve my issues. They indicate that notes are being made with requests for someone to give me a call but no one has ever contacted me and I have had this account since XXXX. A few months ago there were a couple of charges added to the account and when I ask what they were for no one can explain to me what the charges are for. I only made one purchase with this account and nothing else. I need someone to assist me because the charges that were added to the account I believe need to be credited back. It was an error on comenity 's part and I have been dealing with it since XXXX or early XXXX and there have been several representatives who have assured me that they took care of the issue but every single month I am dealing with it. It has been an absolute nightmare. Please help me.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX I am sending this information regarding my escrow account, proof of XXXX? its I have made and inquiring where the funds went or why the figures are not adding up. 
When I closed on my loan, I paid 3 months on my escrow in advanced {$1600.00} ( Page 1 ) XXXX, XXXX and XXXX I also had escrow coming out of my mortgage payments in the amount of {$1100.00} ( Pages 2,3,4 ) So far, we are at a total of {$2700.00} I was approved in early XXXX for a loan modification ( Page 5 ) You see where {$3600.00} included in the loan for my escrow. I called and verified that this figure was included in my loan payment Now we are at {$6400.00} On XX/XX/XXXX a payment of {$5800.00} was received my CMG Mortgage ( XXXX ) {$3600.00} was put into my Escrow and {$2200.00} " '' '.as also put into my escrow account. ( Pages 7-8 ) Now we are at {$12000.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.
Consumer complaint received 2020-06-16
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. (CO)

On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX  I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX 's has been removed from my XXXX  credit file but the results from my dispute with XXXX  and Equifax have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Consumer complaint received 2017-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (KY)

We where in a modification with Nation Star Mortage. We had last trial payment due. When the payment was processed We discovered that someone had stole our identity on our accounts and filed Tax returns for 2016. I explained to Nation Star about this and sent a letter of explanation. I did n't want a modification but for them to reinstate the loan moving forward. We have placed fraud alerts on our accounts and are trying to get this back in track. We have equity in our home. So the loan to lend ratio is solid.    I am just asking to reset and move forward this was never an issue with making payments on the mortga ge. Four payments w ere made prior to this identity fraud.
Consumer complaint received 2023-10-30
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I made a purchase from XXXX for worth XXXX. This was marked delivered by XXXX but sadly I never got the package. I reached out to XXXX saying the package could maybe lost/stolen and they asked me to reach out to my credit card company, American Express , and open a dispute. After doing so, amex keeps closing my dispute in the favor of the merchant saying they have provided the necessary proof that my package was handed over to me. This proof is just the tracking information that is available to me already, which, in my opinion, is not enough. The burden of delivery should be borne by the merchant as they are the shipper and should be the ones liaising with the shipping company to track my package, or file a claim. However, Amex believes I should reach out to shipping company but they want the shipper to raise a claim. I have even raised a police complaint with XXXX XXXX XXXX regarding my missing package and they have ruled it as lost. I am not sure what else is needed for me to prove my case? 

I have reopened the dispute three times and every single time, it's the same proof that is given to me, which is nothing more than a screenshot of a publicly available tracking information.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX