davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

XX/XX/2020 I filed a partial bankruptcy on XX/XX/XXXX it was dismissed. I have contacted LexisNexis and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!
Consumer complaint received 2024-02-28
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. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC (OH)

I was contacted by a collections agency claiming to have purchased debts from Certegy, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX. The company is called XXXX XXXX XXXX or XXXX for short, phone number XXXX XXXX address : XXXX XXXX
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was the victim of identity theft. The original company, XXXX XXXX, was removed from my credit report. Portfolio Recovery apparently purchased this fraudulent account and is reporting it on my credit bureau reports. I am a XXXX XXXX XXXX veteran and Portfolio Recovery is trying to extort money from me.
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Recovery Systems (MN)

two messages about a check written from previous bank from 2017. He then threatened to file bad check in XXXX XXXX court. Then called back 3 minutes later claiming he just talked to the XXXX County XXXX and was told that he legally had to contact my employer of my school district to report I commited a crime. He has now contacted my family telling them all I committed a crime and would be going to jail. Have never had any communication in regards to any debt or bad check from 2017.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

On XX/XX/2021, I received a payment request for a debt attached to my SSN/credit report being reported by XXXX for a debt of {$180.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to True Accord Corporation. I did not authorize the sell of this account to True Accord Corporation, I have not done any business at the address listed with this account nor do I owe True Accord Corporation. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from True Accord Corporation.
Consumer complaint received 2022-10-31
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. (LA)

In accordance with the fair credit reporting act XXXX  U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX XXXX  Account XXXX XXXX And Account # XXXX And Account # XXXX has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is stating that on a XXXX account as of XX/XX/2018 the account was 60 days late. From XX/XX/2018 to XX/XX/2018 Experian states that the account went from 60 days late to 30 days late. Similar issues are presented with Experian on XX/XX/2018 being 30 days late, XX/XX/2018 being 60 days late to XX/XX/2018 being 60 day late as well. How is this permitted?
Consumer complaint received 2024-02-28
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. (MO)

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE 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 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 XXXX XXXX XXXXXX/XX/XXXX Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Collection Management. Inc (IL)

I am currently applying for an apartment and I was denied because of " a past due rental balance. '' When I requested the report, I see a " Collection Alert '' from Consumer Collection Management for a balance of XXXX dollars. The date placed is XX/XX/XXXX. I filed Chapter XXXX bankruptcy in XXXX and this debt was discharged. I am not seeing this debt on my credit report, but it is showing up my XXXX XXXX XXXX. 

I contacted the company and after I gave them my information, the associate became very rude and said that she can not talk to me. She told me to talk to my lawyer. I tried to ask her why this was on my rental bureau when it was discharged with my bankruptcy, she told me she can not talk to me and hung up the phone. 

Their phone number is XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2017 I received an alert that my Credit report had changed. Hard inquiries were removed from Transunion and XXXX accounts were deleted. I then noticed they were put back on without any notification by letter or email. I have made several calls to the Credit Bureau and still no assistance. I did take screen shots showing them took off and put back on. This caused my score to drop and a denial for a new car purchase. I just want them removed off.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (WV)

I have an account with Robinhood, stock and trading website. I have over {$2300.00}. in. I did not like the fact they said they had not recieved my deposit of {$500.00} ... .the bank confirmed they sent it on XXXX XX/XX/2021 ... they continue to say they did not recieve it. I trioed to call several times but got confusing messages about what to do. Bottom line, i sold all my stock and tried, unsuccessfuly, several times, to withdraw all of my fund and closer the accpount, but they block me from doing so. Repeated attemps and calls have done nothing. Please help me retrieve my money. Thanks.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 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 without my written instructions 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 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Applied for a 1 time close construction to permeant loan with BBT. I paid BBT the required funds to perform an appraisal on the construction and provided them all the building specifications.

BBT hired an appraiser who failed to act in good faith. Below are the highlights of appraisal 's issues.

1. Filled out the appraisal form with fraudulent information on the house design/features.

2. Actively fabricated information about the neighborhood.

3. Used comps there were ~1 year old instead of recent comps. Appraiser was involved with the loan on the ~1 year old comps.

The above issues and many others were addressed by me in writing to BBT in early XXXX via email. BBT agreed the appraisal was wrong and submitted a halfway filled out appeal form. I called the loan officer a week later to get an update on having the appraisal appealed, and the loan officer told me that will " take a while, but I can request a new appraisal, which will come in lower ''. At that point I was flabbergasted a bank can dictate/predict an appraisal. I escalated my concerns in writing to XXXX XXXX ( head of BBT/Truist ) and XXXX has sat silently on copy while his staff act dishonestly. 

The loan officer has since refused to be productive with my loan. Instead of working to address my concerns and his inappropriate/illegal comment, he has attempted to pressure me into signing off on the appraisal. His boss got on one of the email chains and pretended to answer questions I never asked. 

On XXXX I was emailed by a new person at BBT demanding XXXX statements from my checking/savings account. She required by end of the week ( XXXX ) or else she would delay my XX/XX/XXXX closing. My closing was originally early XXXX. She pulled up my closing with zero communication and intentionally set a goal that would be impossible to meet ( those XXXX statements don't post till after XXXX is over ). 

It has been a month since BBT told me a second appraisal would come in lower on a phone call.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (CA)

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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I deposited a payroll check into my business account which is with Fifth Third bank. A few days later I attempted to check balance with mobile app and I was not able to log into account. Customer service stated that I will have to speak to fraud department. The bank also froze my personal account without my consent or authorization. Fraud department stated that they will not release funds that I have in my personal account. 

My consumer rights were violated under 15 USC 1692e, 15 USC 1692c, 15 USC 1692d,
Consumer complaint received 2021-06-17
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: AFNI INC. (FL)

AFNI, INC. collection for a XXXX account : Have notified XXXX that it is identity theft/fraud as the XXXX charge that is in the hands of the collection company AFNI is not ours. We have NEVER had a XXXX account of any kind. We discovered this on our credit report yesterday XX/XX/XXXX in discussion with a mortgage lender who sent us a copy of it. 

We have never been contacted by anyone regarding this despite it showing as going back to last year XXXX, and have no knowledge of it, as we ever incurred a debt to XXXX. 

Have tried repeatedly to reach AFNI by phone without success. Left on hold in voice system without anyone ever picking up. Took photos of the phone face showing staying on hold anywhere from 13 minutes to a half an hour each time before giving up and hanging up. 

Have emailed the company as well from their site, with no response. 

.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

My husband and I have owned a condominium unit in XXXX XXXX, NC since XX/XX/. Every year in XXXX, the HOA renews its flood insurance policy, which covers all the condo units. Every year we submit the new policy to Truist 's website ( XXXX ) and every year Truist claims that they have not received the current policy. One year they even purchased a flood insurance policy of their own and tried to make us pay for it. Since this occurs every year, I am beginning to suspect that this might be their goal- to force us to pay for a policy we do not need. I have tried to call them on their insurance number and on a general number, but they have labyrinthian loops, none of which offers the chance to speak with a actual human person. I finally did manage to speak with a human, but the call was cut off. In past years, it took months to resolve the issue. I do not know why they put us through this song and dance every year, but it needs to end.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-06-17
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. (FL)

This complaint is for the timeshare  company XXXX by XXXX. We spoke with XXXX XXXX who claimed he's a realtor & manager XXXX XXXX, both claimed to not work on commission. They said we were making a good financial investment especially for our kids. They told us that the purchase will have some tax benefits, similar to owning a second home. We were promised gifts of 3-day vacation, {$100.00} slot machine, $ XXXX. We were also pressured to do an upgrade by telling us that it's the last chance to upgrade at the lowest price. They had us open a credit card, and they are the ones who signed the application for me. They never gave us enough time to read the contract and we were never made aware of the fees. They promised us that after we pay the loan, we won't be paying maintenance fees anymore. They also made us believe that we would make money from the timeshare. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I called the following week and spoke to someone named XXXX from XXXX to cancel but obviously it was never cancelled. We experienced financial difficulties due to this timeshare, we couldn't buy groceries at some point & we even have to take a loan to pay for the credit card. At our age, we already have some medical conditions & having this timeshare is causing us being unable to sleep because of the stress we get. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, all the lies XXXX and everyone else told us during the buying process, we felt we have been taken advantage of for commission, we can't believe the lies were legal or that they were even allowed to lie to people in order to get them. We were simply defrauded, this is a scam.
Consumer complaint received 2021-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NJ)

This debt has been satisfied. I am receiving threatening phone calls from this lender- threatening to take me to court and ruin my credit if I do not make additional payments. I should not have to pay the same bill twice! Loan was for {$500.00} and already paid. Why are they still calling me? It is harassment and I need help to stop the harassment and recollection attempts for debt that is already paid.
Consumer complaint received 2021-06-17
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (TX)

15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The creditor did not follow procedures according to 15 USC 1637 ( b ). 
Please remove late payments/change to paid as agreed.