davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX this collector called me and threatened me and my family. They were trying to make me apply for new credit. This was reportedly taken care of by our property XXXX due to a hostile living environment that caused my family and I undue health XXXX. I do not have an account with this vendor. Therefore they don't own the debt. When I have disputed this information they keep adding fake payments to all three bureaus in order to keep the debt verified.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received an escrow analysis report from Select Portfolio Servicing, Inc on XX/XX/XXXX stating I was owed $ XXXX for an Escrow Surplus. 

I failed to receive the check for this amount and called in to claim so end of XX/XX/XXXX. I was told the check was sent but I am doubtful it was. After calling in I was informed the check would be voided and reissued. 

I then proceeded to call roughly once a week throughout XXXX and XXXX as I continued to fail to receive a check. I was told over and over there was no update that could be provided. 

I was finally able to speak to a supervisor on XX/XX/XXXX who informed me an audit had been conducted on my account and an updated amount of $ XXXX was the actual Escrow Surplus which I should expect to receive in the next 3-5 business days.

After still failing to receive a check I called in today XX/XX/XXXX to learn that a check was allegedly sent on XX/XX/XXXX but it was then voided due to an error. 

It is my understanding that an Escrow Surplus is required to be paid within 30 days. Per the original Escrow Analysis I received on XX/XX/XXXX, Select Portfolio Servicing Inc has failed to meet this requirement.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE AN ACCOUNT THAT DO NOT BELONG TO ME, IT IS LISTED BELOW WITH DETAILS : XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX  BALANCE XXXX. I ALSO NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO THEY ARE LISTED BELOW : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. PLEASE REMOVE THEM. 


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

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 Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (MD)

I received a collection for a debt I did not owe. I called the agency in XX/XX/2023. On XX/XX/2023. I called the agency to dispute the debt and was told I didn't need to do anything further they would note it on the file. I contacted the original creditor and received confirmation the collection was an error and they would take care of it with the agency. On XX/XX/XXXX the agency put the collection on my credit report. I called and they requested the information from the original creditor be sent via email- I sent it and requested receipt confirmation which I have no received and they are not answering their phone or responding to me. This never should have been put on my credit report.
Consumer complaint received 2023-10-03
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. (SC)

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (CO)

This company popped up on my credit report out of the blue. Ive never received ANYTHING from them. They are on my credit for an account that has a XXXX balance. I called them so they could verify the account with the company that the balance was XXXX and they were very unprofessional and unhelpful. They said they could not contact the company that they said I owed money to to verify the balance was XXXX. Ive written to cease and desist and they have ignored me.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (TX)

I was promised via phone call that someone would look into my issue. They saw the error that XXXX XXXX made and said that it should be fixed really soon. They also stated they would pull the phone calls made so that the matter can be rectified. 

I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/31 and on XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. 

Today, I pulled my reports because Im about to purchase a home and was notified that my XXXX account is reporting late in XXXX and this is now going to affect me for the rest of my life if they dont fix this immediately. 

The phone call and messages are all recorded. I need someone to contact me, & contact XXXX credit bureau and fix this immediately. 

This is so detrimental to me and causing me not to get my house for me & my new XXXX XXXX.
Consumer complaint received 2023-10-03
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. (AZ)

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. These accounts have affected me in so many ways to gain credit cards, buying a house for my family and I find it very interesting that my personal information about my Child support is showing on my credit report inn way that is vary illegal not just being on there but it in a position that it's an instalment loan which is weird you can't borrow money for child support I didn't sign a contract for that amount of credit Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX Account name : FST XXXX # XXXX Account : name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX OF XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX THESE Accounts are stopping me from buying a house for my boys I'm a single father who is trying to make a difference in my children 's life accounts like these have violated my rights. 
XXXX5 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.

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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than 7 years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has Violet my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made a payment to my capital one credit card in the amount of {$410.00} on XX/XX/23 from a saved payment method on file with capital one. The payment has processed, they have taken the money from my bank and applied it to my balance, but have not made the credit available for use. Instead, it has been placed on an administrative hold and I wont have access to this money for 26 days.
Consumer complaint received 2023-10-03
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. (HI)

I am writing this request that I want to dispute specific records in my credit file that do not belong to me and it had erroneous information, particularly in regard to a bankruptcy record, Please erase the false information that keeps harming my credit report. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2018-05-03
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 am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already theXX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them lastXX/XX/XXXX and what I sent them again today XX/XX/XXXX( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX  ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my cashapp and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.
Consumer complaint received 2023-06-20
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. (GA)

To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my Experian... XXXX and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.
Consumer complaint received 2023-10-03
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-04
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law (NY)

Date of service for my husband ( I am the insured ) was XX/XX/XXXX. Debt was paid XX/XX/XXXX after our bank accounts were 100 % frozen ( in violation of New York Exempt Income Protection Act ). Satisfaction of judgment was issued from the debt collector 's office. Shortly thereafter we began to receive requests for further payment under same account number and also requests for different dollar amounts under a different account number. All were requests for same date of service that was already satisfied, along with threats of income execution. Voice mails that were left were never returned however one time we did call and speak to a XXXX XXXX who said he would send documentation. We responded in writing to each request being that supporting documentation did not indicate a second unpaid charge and in some cases documentation from hospital stated XXXX balance due from patient from that date of service. Our last communication to them in XX/XX/XXXX stated that we were disputing the debt and in XX/XX/XXXX we received the same document that they had sent multiple times along with a payment authorization we signed upon admittance to the hospital- still not indicative of a second charge from this date of service.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MO)

I have calls recorded and set up a payment plan with Afni collections to start getting my license back after they had it suspended for non payment even though i had received no communication from them until after i got a letter from the state saying my license would be suspended. After my first payment I called the Mo license bureau and they said i needed a document verifying the payment plan. When I called afni back they said the payment plan previously set up didn't exist and they gave me a new one. Saying I needed to pay the XXXX dollar down payment then they would send out my documentation I need. After paying the down payment i called them and they said I needed to pay my first payment then they would send the documentation out in 30 to 40 days after they receive the payment. They have been dishonest, gave me the run around and withheld information from me from the start