davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: On-Site Manager, Inc. (TX)

I applied for an apartment at XXXX XXXX on XX/XX/2018 and I was denied the apartment based on the information given to them by RealPage.com AKA Leasingdesk.com. They reported to the apartments that I had a judgement for {$1100.00} for rent and that I owed an additional {$490.00} for unpaid rent. I paid the rent that my deposit did not cover to XXXX but they are still showing the judgement is owed of {$1100.00} and that I still owe XXXX {$490.00}. I asked about the timeframe of when this erroneous information would be fixed they gave me not ETA and said that it could take an uncertain amount of time to get my rental history corrected. My case number for this dispute with them is XXXX and I have spoke to several agents that will not give me a time when this information will be corrected
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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 Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
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. (DE)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-23
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Unauthorized inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (WI)

The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX  XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing
Consumer complaint received 2018-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TX)

Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and cash net   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
Consumer complaint received 2024-09-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc (TX)

I do not know this third party debt collector I've never met them nor talk to them nor have I signed a written agreement or made any transaction with them and they have violated mind right by not giving me the option to or letting me know I could dispute it. I have not gotten a copy of the contract that I have signed with this collector it has put me under stress and sleepless nights trying to figure out how I owe this company money when I never have met them or I know anything about them this is against the law by not providing me an original signed contract. This needs to be taking off my credit report because if it's inaccuracy
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (IL)

I was alerted by XXXX about a collection account placed on my credit report on XX/XX/XXXX ; again on XX/XX/XXXX ; and a third time on XX/XX/XXXX by Bull City Financial. I contacted Bull City Financial in XX/XX/XXXX and XX/XX/XXXX and asked them to search me by social security number, name and date of birth. Each time they said they did not have an account connected to my information. Bull City was able to find the medical account related to my credit report but claimed there was nothing they could do to remove it from my account. Bull City was also unwilling to provide me with a written document for me to provide to my mortgage company stating the debt on my credit report was in error which later prevented me from purchasing a home.

In XX/XX/XXXX, I found the Bull City Financial collection account still on my credit report. I called XXXX XXXX XXXX   in North Carolina and spoke to a manager who said I " do not match the demographic information or date of birth provided to Bull City Financial so I have no idea why they would be targeting you. '' She said she would call them tomorrow as they were about to leave the office.

I called Bull City Financial on XX/XX/XXXX at XXXX CST and again at XXXX  CST, I explained my conversation with XXXX XXXX and both representatives said there was nothing they could do and I would need to contest it with the credit agencies. I again asked for a letter simply stating they had no file attached to my identity for me to provide to my mortgager as we're again attempting to obtain a mortgage in Washington and was told their agency was unable to help me.

I later contacted XXXX   to handle the matter further. The XXXX  Fraud Specialist was able to resolve the issue within a matter of minutes based on the fact I was a XXXX XXXX in XXXX, WA at the time medical services were rendered in XX/XX/XXXX. The specialist was also able to determine the other person had the same first and last name as me but a different middle name and date of birth.

Bull City Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/XXXX and almost a second time in XX/XX/XXXX. Bull City Financial 's actions also negatively effected my credit report and caused unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

On XX/XX/2017 XXXX and Property service filled a default judgment. An then went back on XX/XX/2017 and filled a motion to dismiss any money claims in the unlawful detainer. XXXX XXXX   service went back a couple months later and reported a debt being owed in the amount of $ 3000+ plus dollars To National credit systems who's now harassing me about charges that were dismissed. I do have a copy of the letter from the courts where the motion was filled to dismiss all monies owed if needed.
Consumer complaint received 2023-03-06
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. (KY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$64.00}
Consumer complaint received 2021-04-28
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: TRUIST FINANCIAL CORPORATION (FL)

My phone with a wallet attached on the back was lost/stolen on XX/XX/2021. Both the password for my phone and pin for my debit card are the same. There was several transactions posted that was not authorized by me. The first charge started on XX/XX/2021 for a wire payment amount of {$2000.00} via XXXXXXXX XXXX Unfortunately I wasn't able to see this initial unauthorized payment until my phone was stolen forcing me to anaylze my entire account realizing the charges might be by the same person. More transactions posted for {$2500.00} on XX/XX/2021 and {$1900.00} on XX/XX/2021 Also 4 atm {$500.00} withdrawals. I've contacted SunTrust but they have no answers for me and no resolution yet, I've now filed a complaint with CFPB and writing another letter to SunTrust now to back my claim.
Consumer complaint received 2020-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (MI)

This is a loan from 3 years ago from Sky Trails Cash that was taken care of and paid off. I completely forgot about this loan and haven't received any call or anything in writing stating I owe anything, then all of a sudden today I get a call from a third party group saying I owe {$590.00} or there will be legal action against me. I don't owe them anything and I don't want them showing up at my house serving me with papers.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

At the beginning of year 2015, my city taxes were lowered due to reassessing the property with the county. This was my second time in doing this over several years, and was awarded a decrease in taxes both times, lowering the property value by half of what it was. This information was forwarded to Seterus in order to keep them informed, that my escrow should be lowered, due to reduced property taxes. Instead they increased my escrow account, for which I refused to pay, after trying to reach them by phone to discuss this matter, their customer service line is not a customer service line, but a collection agency, and no one would direct me to an individual whom I could speak to about my issue. I continued to make my on time monthly payments, only to have them separate the apparent prior months shortage causing the account to go into default. This resulted over the next several years late fees along with credit issues for which I challenged and won, as the credit agencies researched my account and agreed that I was up to date. I asked on several occasions a payment analysis from Seterus, which they sent me, unfortunately the readout was to confusing to understand, as I simply wanted to see a spreadsheet from them showing my payments to them, so I could compare to my monthly payment history, in order to verify myself. They refused to follow up with me, and since there is no one to speak to, all inquiries are sent to their website for review, and then they reply in a letter, not giving you an opportunity to challenge them. This is very frustrating, as they keep adding late fees to my account, that is up to date, and since I can not contact anyone from the company this will continue. 

Please advise so that this company can be exposed for very poor customer service.
Consumer complaint received 2021-04-28
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. (FL)

I would like to ask you to check these accounts as information reported is incorrect. These is not a right way to report my accounts. Please make investigation and put control on bureaus that having error in reporting.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and this is not a third party filing this complaint. I have been notified that my Social Security number was apart of a Data breach. I would like to challenge the accuracy of these accounts thats on my credit report. Please provide me with the internal records of these inaccurate accounts attached.
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (IL)

Phoenix Financial Services began contacting me about a debt that I believe has been paid to a different creditor. I have explained that I am in the process of attempting to validate this debt with the original creditor and to please stop calling me. Since then, the have have called me repeatedly, as often as 4 times in a single day or more. 

When I answered to find out who they are and why they keep calling and explained that I can not verify or validate this debt the man who called me hung up on me.

I have spoken with the original creditor ( a hospital ), and they do not have a record of this debt or a record of the debt being placed with Phoenix. As I can not verify that this is a legitimate debt I will not give Phoenix any money. 

They have called me from : XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018 XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-04-28
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: I.C. System, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX ) XXXXXXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Hello CFPB XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX This is concerning a Bankruptcy that still remains on my credit report. I sent them information from the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF OHIO  The clerk of the court sent me a letter stating that U.S. Bankruptcy Court does not report case information to credit reporting agencies. These reporting agencies independently access this public information for their use. They told me originally that this information was reported by the U.S. Bankruptcy Court and that's the way it's reading on my credit report. Know they are trying to say it was reported by public information how is a Third party reliable and or honest. They were originally contacted about this in XXXX of 2021 and so was XXXX XXXX and Equifax. XXXX  received the same letter and in less than 30 days they sent me a letter in the mail stating that they couldn't verify this information and removed it immediately. I sent XXXX  and Equifax a copy of the letter and a copy of the letter from U.S. Bankruptcy Court and know they are still trying to say that the Bankruptcy has been verified by the source If I'm not mistaken the only source is the U.S. Bankruptcy Court so how is that so. I also requested for them to send me a copy of who verified this information and they refuse to send me the requested information who verified this Bankruptcy.

So if it was verified why can't they send me the information as to who verified it. My question is how can they have it both way first they say it The U.S. BANKRUPTCY COURT that reported know they say it's public information. That don't make any sense how can public information report itself don't make any sense at all. Why are they allowed to put information on a credit report and LIE about it. So if they are lying about who put it on there than it was put on there illegally in the first place.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America for its failure to honor a promotional offer and for the subsequent inadequate customer service provided in relation to my small business checking account. 

On XX/XX/XXXX, I was contacted by XXXX XXXX from the sales department regarding the opening of a small business checking account. During this conversation, I inquired about a {$1000.00} promotion I had seen advertised online. XXXX XXXX verified my eligibility for this promotion, given my longstanding 18-year relationship with the bank, and assured me that the promotion had been applied to my account. He explicitly stated that I would receive the {$1000.00} bonus after depositing {$30000.00} in new funds and maintaining that balance for 90 days. 

Relying on these assurances, I opened the account on XX/XX/XXXX and deposited {$31000.00} within 30 days. I have maintained this balance as required. However, as of today118 days since the account openingdespite my repeated efforts to resolve this matter through multiple calls and direct communications with your team, the promised bonus has not been credited to my account. 

The lack of response and accountability from your representatives, especially XXXX XXXX, has been profoundly disappointing. Despite several attempts to contact him and even after being assured of a resolution, there has been no substantive update or effort to rectify this situation. The service teams recent claim that no such offer was linked to my account directly contradicts the information and assurances given to me at the accounts inception. 

This situation not only represents a failure to honor a financial incentive but also exemplifies a significant breakdown in customer service and trust. The handling of this matter reflects poorly on Bank of Americas commitment to its long-term customers and tarnishes its reputation for reliability and customer satisfaction. 

I urge the Consumer Financial Protection Bureau to intervene and assist in resolving this matter promptly. I expect Bank of America to honor the promotional offer as originally stated and to address the deficiencies in customer service that have exacerbated this issue. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX