davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SC)

This complaint is in reference to EXPERIAN blocking me from being able to access my consumer reports electronically. Since XX/XX/2020 I noticed there were several things being reported to my consumer reports that were inaccurate and were causing me great harm to my character and credit standing. I began to dispute the information that was being reported to my consumer reports, I also filed police reports for information that was being reported as a result of identity theft by EXPERIAN. Ever since that time EXPERIAN has retaliated by blocking me from accessing my consumer reports electronically and has required me to request my reports by phone and mail only. This is unfair to me the consumer which is a direct violation my my rights under the fair credit reporting act. I have tried numerous of times to resolve this matter by calling and corresponding with EXPERIAN online however I am still unable to access my consumer reports electronically. EXPERIAN has sent me my consumer file electronically for dispute resolutions only however they have denied me access to my consumer report electronically. I'm coming to the bureau which is the CFBP as defined in the fair credit reporting act 15 USC 1681a ( w ) to report this violation and to help me the consumer have access to my consumer reports electronically which is my right. The law states pursuant to 15 USC 1681h ( b ) ( 2 ) ( C ) of the fair credit reporting act, that if the consumer requests their consumer report electronically and the report is available electronically I have a right to receive it electronically. EXPERIAN has lied by stating that my consumer report is unavailable electronically however has provided my consumer report electronically only for dispute resolutions. I have always been able to access my reports electronically prior to me enforcing my rights by filing police reports for their identity theft and disputing things on my consumer reports. This again is retaliation which is illegal. I have attached the screenshot from XXXX showing EXPERIAN blocking me from accessing my consumer reports electronically.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I received the attached letter in the mail ( un-certified mail ) but did not open it immediately. I set it aside assuming it was junk mail. This was in XX/XX/2022. 
At the end of XXXX, I noticed on my XXXX card statement that my credit rating had been diminishing since XXXX. I then remembered the letter from the lawyer and opened it. 
The letter from Weltman, Weinburg & Reis claims that I owe {$8000.00} to XXXX XXXX  and they are assigned to collect the debt. Note that the account listed on the letter ends in XXXX. 
Other than the account digits, the letter makes no explanation of why I allegedly owe the debt. 
I have had only a single XXXX XXXX  account ( checking ) for 30+ years, and the account number does not end in XXXX. I have NEVER borrowed money from XXXX XXXX. 
I called XXXX XXXX  on XX/XX/2022 and spoke with their debt collection department. They assured me of two things : 1 ) I do not, and have never, owed any money to XXXX XXXX. 
2 ) XXXX XXXX  has their own collection department and they do not use 3rd party agencies to collect debts. They were not familiar with Weltman, Weinburg & Reis.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Personal Loans Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX  XXXX  Services Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

My XXXX and I signed our Truist Bank home equity line of credit ( XXXX  ) documents on XXXX XXXXXX/XX/XXXX and within that loan app was the request to pay off XXXX credit cards. My XXXX and I both checked our XXXX balances today, XX/XX/XXXX and neither XXXX has been paid off. I was able to check my XXXX online and it shows that XXXX XXXXXXXX has been disbursed from the XXXX. I called Truist ( XXXX ) and spoke with XXXX XXXX in loan services ( XXXX ) and she said the loan was disbursed on XX/XX/XXXX when checks were mailed via XXXX and my current per diem for the outstanding balance is {$4.00} per day. When I inquired how that is possible to be charged loan interest on my XXXX when my XXXX balance is still outstanding, they replied interest is charged from the day the check is mailed ( i.e. Truist hasn't had to disburse the $ $ yet they are charging interest on money still within the bank ). I asked for this issue to be escalated and I was transferred to XXXX XXXX. XXXX said she would look into this and call me back with more information. At XXXX, XXXX XXXX me back to say that interest is charged on the day they mail the check and not when the check is paid. She also said that if the check is mailed to a XXXX XXXX XXXX it might take up to XXXX weeks to be processed. So as it stands, Truist is charging me interest for a XXXX XXXXXXXX loan and the only thing Truist has done is mail a check and no money has been disbursed- Truist is charging me {$4.00} in interest for mailing a piece of paper at {$.00} postal rate and it may take up to XXXX weeks to be processed ( at which time I will have accrued approx {$100.00} of loan interest ). This seems funny when Truist lauds the fact that I can send money to my friend instantaneously via XXXX using no more than an email or cel phone number and yet, they can't manage to send payoff funds to XXXX Bank except via a {$.00} postage stamp. To add insult to injury, I subscribe to Truist bill pay and I occasionally send extra payments to my XXXX credit card when I make those payments, they are sent electronically and process within XXXX business days. 
I have screen shots of all my loan and credit card balances.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
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. (NC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

I found XXXX unauthorized charges of {$17.00} on my Amex card for premium car rental insurance. I called to get refund and was told that on XXXX/XXXX/15 I had " enrolled '' in the premium insurance by phone ( which I do not recall doing ). I was told I could not get refund because I had in fact rented the XXXX cars. I asked for documentation of my enrollment. The agent then went away for a few minutes, came back and said my enrollment " was a mistake '' and he would cancel the program and refund the XXXX charges.
Consumer complaint received 2015-04-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

PNC foreclosed our home in XXXX of 2012. PNC also owned the second which was a successive loan secured by a separate deed of trust on the same real property. PNC sold our debt to XXXX XXXX. This was a nonjudicial foreclosure. 
According to XXXX and XXXX PNC should have filed a deficiency judgment against us within 3 months of the foreclosure. 
PNC is now saying they did not have control over the second at time of foreclosure but we have emails that support the fact that they did have control over the second. 
We had a buyer for our short sale. The PNC the second agreed to settle the XXXX loan amount for $ XXXX. The XXXX agreed to the short sale amount. California XXXX stated that the XXXX had to be settled in escrow. That meant the XXXX had to agree to let this happen in escrow. PNC the XXXX would not agree to it. PNC the XXXX wanted all the money. Therefore PNC the XXXX foreclosed. This is all supported in the copy of the emails.
Consumer complaint received 2016-02-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Repeated harassing voice mails with veiled threats. Calling and harassing references. Call from district manager saying I should get a lawyer. In XXXX 2015 I had fallen behind because I was in the hospital 8 days with XXXX. I was getting calls while I was in the hospital. I later realized that I had agreed to insurance if such a situation arose. The manager never once mentioned this to me. 

I fully understand I have an obligation to pay this amount. I also understand that you can work with the lender to assist in this matter. My experience last year, convinced me that One Main uses this to encourage you to call but the agenda is to try and pressure and harass you until you make an immediate payment. I assume this strong arm tactic is used by this type of lender in an attempt to reduce the percentage of loan defaults. I also suspect based on the number and the harassing nature of the calls, it must be tied to an incentive bonus. However, it does n't excuse their tactics and excuse them from the fair loan practices that they are bound by. When a district manager leaves a call saying he has your file and your employer information and suggesting you call a lawyer was the last straw. I am sure they are well schooled on what constitutes a threat but that is a matter of legal semantics. A veiled threat is not the same as a direct threat, but their protocol does violate the process
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Assistance Inc (SC)

On or about XX/XX/XXXX, I received a call from XXXX at Financial Assistance XXXX Inc., saying " this is an attempt to collect a debt '' for XXXX. I was in California, watching my mother XXXX, when she called. I do n't remember everything I said because I was distraught ; but I do remember her saying she would call back in 2 weeks. After my mother passed and I returned home I received a kind of rude letter from her. 
I do n't even think I owe this money anymore because my credit report states : " Charged off as bad debt. Profit and loss write-off ''.
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CA)

On or about XXXX, XXXX the Best Service Company entered into the Victims XXXX Credit Report claiming an alleged debt was owed to them in the amount of {$1200.00}. Victim contacted the BSC on XXXX XXXX, XXXX via United States Post Office, Certificate of Mailing XXXX, with a letter of validation asking the BSC to provide proof of this alleged debt. To date the BSC has not responded to the Victims request for proof/validation. BSC has entered derogatory information into the Plaintiff 's Credit report and has continually updated this information by adding unauthorized interest and late charges through today 's date. The Plaintiff has verified with XXXX on or about XXXX XXXX, XXXX that they have confirmed that The Best Service Company has verified to them that the information is correct. The Debt Collection Practices Act states a debt collector must cease collection of a debt it they are asked to provide validation and must provide that validation or cease collection activity. BSC has not ceased collection activity by entering into Victims credit report on the following dates, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, and has violated the LAW under Fair Debt Collection Practices Act 15 USC Section 1601, et seq and The Fair Credit Reporting Act 15 USC 1681, et seq by updating and knowingly reporting erroneous and damaging information to the Credit Reporting Agency XXXX XXXX damaging the Victims Credit Standing, Reputation and the Victims Credit Report. Recourse is demanded through the LAW as outlined in Fair Debt Collection Practices Act 15 USC 1601, et seq and Fair Credit Reporting Act 15 USC 1681, et seq.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (PA)

XXXX/XXXX/2015 XXXX law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with Best Buy which I do not. They disclosed I owe {$5.00}, XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.
Consumer complaint received 2022-06-20
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. (NY)

Since XX/XX/XXXX XXXX, Equifax and XXXX have been reporting multiple entries on my credit report incorrectly. Equifax continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX  accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This ground for removal they aslo violated my rights under 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 withou my written instructions. Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment status an inaccurate reappearing and appearing. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to the consumer to a consumer reporting agency if the person know or has reasonable cause to believe information is inaccurate.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I'm not responsible for this account. I don't even have a contract with this. I have already contested this account, and you have not shown any evidence that it belongs to me. This is not my work. This is deceptive and could hurt my credit.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I received a letter letting me know that the interest-only payment plan I 've been paying for XXXX years would be ending XX/XX/2017. The letter stated that if I was going to have trouble making the new, higher payments, to contact Navient to discuss the repayment plans. The letter states that an alternative payment plan could help me lower my monthly payment. When I contacted Navient I was transferred to XXXX different representatives. The first woman discussed a payment plan with me, but said she had to transfer me to collections. That representative said she was n't sure why I was transferred to her and transferred me to a man who told me that he had no idea what repayment plan the first representative was talking about and that I actually do n't qualify for any reduced payment plans. He stated that I would have to continue paying the standard amount because I do not qualify, so I 'm confused as to why I even got the letter in the first place and why one person did n't know what the next person was talking about.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

This is the 2nd time I have had fraudulent activities on my account. I called the customer service # when I seen the charge on XX/XX/22. I have nor used XXXX or XXXX or purchased any of their products. They let someone purchase {$62.00} from XXXX on my account fraudulently then told me there was nothing they could do to stop the payment because it was already cleared on the banks side it has posted already he said. Then he said the only way to file or lodge a fraudulent case was to let the merchant go ahead and take the payment. He also said i had to call back in to make the fraudulent case...? Isn't that what I'm doing now? He said there was a phone number on the merchant information. When I asked if we could call the number together, he also stated that it could be a fraudulent # he said I could do it on my own time at my own risk but they could not risk the bank? What the XXXX? It's my XXXX money!!!!! This is the 2nd time I have had to cancel my bank cards,2nd time this has happened with Truist. So now I have no access to my money AGAIN because they are placing a hold on my card AGAIN to prevent any other fraudulent activities. Makes no sense right? so I am very upset that I have to go through this again. I work XXXX everyday I do not have time to go get a temporary card from the closest branch. They are my financial institution is their job to make sure this does not happen. I'm super disgusted by this. My future with this bank in up in the air. I can not trust them to make sound judgements with my money. They'll let any XXXX, XXXX, or XXXX charge anything to my acct.