davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions (SC)

" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property manager stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over Property Management a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?
Consumer complaint received 2020-03-19
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. (CA)

I tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a business checking with US Bank back in XXXX because I was offered {$300.00} if I deposited {$5000.00}. This was a promo because I have a business credit card with US Bank as well. I initially deposited {$3000.00} with a credit card and XXXX {$2000.00} more. I have had {$7000.00} in this account for months. I called last month to see what the status of my {$300.00} bonus is and upon research, I was told to give it a few weeks because the data was not transferred over yet. I just called today and the customer service representative said his computers were slow and I was eventually hung up on. I have furfilled all the terms of opening this account and depositing and keep my balance above {$5000.00} to earn the {$300.00} bonus which I have yet to receive.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

When my loans were transferred from XXXX to Mohela the history of my past payments were not transferred. I am on the Income Based Repayment Plan, and I need all of the past payments I have made to count so that I can eventually reach the total amount of qualifying payments. A photo of the limited payment history that Mohela is showing is attached.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXata breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-09-02
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: Klarna AB (WI)

I subscribed to a service called Klarna. They issued me a XXXX card to use to make a purchase on XXXX. The purchase amount and date were {$240.00} on XX/XX/2022. The last 4 digits of the XXXX Card are XXXX. 

I received defective merchandise. XXXX and the seller would not refund my money. 

I called Klarna to initiate a XXXX  chargeback as can be done with any XXXX  labeled card. 

Klarna refused to do a chargeback. Here is what they said : Our apologies for delayed reply. My name is XXXX and Im a Resolutions Specialist here at Klarna. Were contacting you regarding your order XXXX with XXXX. 

As per the screenshot provided by you, it shows that the store has denied to issue you any refund of this order even they are not willing to accept the return of this order due to their policies. Being a payment processor we are unable to overrule the terms and conditions or policies of any merchant. Please be advised to contact the store if there is any option available for you with them. Therefore, we have already closed this dispute. You don't have any outstanding balance left to pay on this order. 

Klarna issued a XXXX  card and claims they can not overrule the terms and conditions or policies of any merchant. This is not true. Any bank or credit card company that issues a XXXX  card has the ability to charge back a purchase from any merchant. 

Klarna is issuing XXXX cards and not giving customers the ability to dispute charges. 

Please look into this matter so that Klarna can be investigated.
Consumer complaint received 2020-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

This item came to my credit report. originating from XXXX. in 2019 I became deathly ill.. I contacted all creditors and explained my situation. asked if I could pay a lower amount because of hardship. XXXX took my payment. as far as I know, it was supposed to be paid in full.. then this came to my report.
Consumer complaint received 2020-09-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TN)

Avante USA has reported a collection to the credit bureaus claiming that I owe {$1900.00} to XXXX. I've never had an account with XXXX XXXX. This erroneous claim has caused a drastic decline in my credit score.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have closely been monitoring my credit reports. My credit reports have a debt amount of {$770.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (DE)

On XX/XX/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions. 
I was told they would be credited they were not and I subsequently got further fees due to low balance. 
I called back again to explain the situation and was promised it would be fixed. 
I received more fees. 
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this. 
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Upon opening the checking account with First Citizens, we advise the bank rep to remove overdraft protection of any kind. We did not want the bank to allow any purchases or debits to be paid unless the funds were availabe. We made this isssue abundantly clear. 

Attached you will find XXXX worth of overdraft charges. You will note by looking at the bank statement the XXXX is lumped together creating ambiquity with regard to what charges were in overdraft. 

On XX/XX/2021 at XXXX I called and spoke to a manager on the phone. She told me " someone '' had changed the overdraft charge coverage online. My husband and I are the only ones with access to this account and neither one of us changed the overdraft coverage on line. She told me she would adjust it. On XX/XX/2021, another overdraft fee was charged to the account. I called the bank again and the rep said he did not see that adjustment made to the account. 

It seems to me the bank is reluctant on following their customer 's requests for the sole pupose of generating fees. Disregarding a bank customers rights and entitlement to structure their account as an option available to them by the bank, lends itself to questionable business practices.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached letter sent to TransUnion on XX/XX/2018. I had previously disputed the invalid collection notice from XXXX XXXX XXXX on my credit report in XX/XX/XXXX. I received a notice stating that TransUnion " verified '' all of the information on XX/XX/2018. In a phone call thereafter, I asked what they 'verified ', because there is absolutely NO documentation to support any agreement to pay any set amount of money on any regular dates in regard to this error. I was told that the company verified the amount, the date, and some other information. Naturally, the company ( XXXX XXXX XXXX ) would say that it is correct. But that is unsupported. Where is the documentation? 

I reached out to my attorney who advised me to write the letter attached, disputing it again, and in writing clearly stating the non-existence of any of the following : There has been : - NO application for credit - NO credit extended - NO loan in any amount - NO signed agreement to pay funds in any amount - NO signed agreement to pay funds on any dates or intervals There has been NO exchange or trade of any goods or services related to the matter.

Without the above, there can be NO late payment, NO missed payment, and NO valid collection notice should be on any credit report. 

TransUnion representatives told me in a recorded call with a supervisor that they do not require any evidence of the debts that companies post for collection. I could not believe they were telling me this. It is both asinine and absurd. Furthermore, why waste time with a dispute? They may as well save some money on employees working on investigating disputes, because that is a waste of resources. In the letter, I requested in writing that TransUnion ask the companies reporting the collection to provide them with each of the above documents. If they are unable to provide all of those things, ( which they can not because those documents do not exist ) then TransUnion needs to remove the collection notice immediately. TransUnion needs to actually do their job and make sure consumers are protected from people/companies who are trying to use credit reporting agencies to manipulate consumers. There is no legal basis to have this collection notice on my credit report. If the company feels that they are owed money, they may file a lawsuit, however, they may not legally send collection notices to any credit reporting agencies.
I consent to this complaint being published publicly.
Consumer complaint received 2018-07-27
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. (TX)

I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHECK INTO CASH INC. (WI)

I received a call from XXXX XXXX, didnt say the company name other than the transcription of the voicemail she left. I called her back and they said that I owe {$910.00} and they will settle for {$760.00}. They said it was from prior to 2013 but didnt have exact date and amount. I asked for documentation because I do t recall this and she said I would need to get my attorney to request that at this point and I only had til XXXX to resolve this issue. Here is the transcript of the voicemail that was left prior to me calling back : special ending in XXXX my name is XXXX  ______ I'm calling out of the processing division _ location services off of trying to locate XXXX XXXX of a formal complaint eight and three counts of raw charges that are currently pending against you please be advised it is in your best interest to make immediate contact with the _________ a senior associates in the legal department have already obtained to legal ______________ _ _________ case in court against you if you have a legal right to contact appointment directly prior __ processing which is scheduled to have local ___________ sent to your residence and ____ seven appointment to have your process please contact the legal department _____ __ XXXX XXXX  issues standard time today to possibly prevent any further charges moving forward against you carry supplies of XXXX extension XXXX please make _____________ case back it in XXXX this is your last and final notification best of luck to you ___________
Consumer complaint received 2018-07-27
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: FIRST ADVANTAGE CORPORATION (ME)

To whom it may concern : The major issue I discovered with respect to these documents is on page 4. 

It stated that I lived in XXXX XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. I did not live at these addresses. Could you please correct it? 

Now, two other things. 

1. What is the XXXX XXXX XXXX XXXX XXXX that is under my name? I believe the answer to this question, leads me to my final question. 

2. On page 5, please explain the " MISDEMEANORS '' heading. I am confused about this. Please, clarify this heading on page 4. 

That's all I have for now. Thanks for your time. 

Sincerely, XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing. 

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

New XXXX, I know you all probably is tired of me, but Im trying to defend and fight for my home and property because I had no knowledge of the insurance fraud claim against my mortgage note neither did I have knowledge of the missing mortgage payments and {$18000.00} missing check payment, all was not applied to my mortgage loan that was making payments be missing and late.Neither did I have any knowledge of Round Point Mortgage received {$11000.00} in a new principle/escrow advance refund from XXXX XXXX XXXX XXXX, XXXX XXXX. which Round Point Mortgage falsely stated they was the first mortgagee which is false. Also has a loan number XXXX which I just notice is the investor loan number on the loan modification dated XXXX XXXX the process Date of the {$11000.00} new principal balance Advance Refund process on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore the investors loan account was open and active XX/XX/2014 it appears payment was paid to the advanced escrow as a refund, is this also undiscovered money? Is this money they received from the fraudulent assignment of mortgage note benefits insurance claim on XX/XX/2014 on the FHA connection lender query report? WOW! This is to much to bear.
Consumer complaint received 2020-09-13
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. (TN)

Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.