davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc. (GA)

After a 3 year lease with XXXX XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ) they allege false damages on the move out inspection in the amount of {$7000.00} reported it to a collection agency and then had it placed on my credit report. Some actions I have taken to resolve this issue are. Contacted XXXX XXXX XXXX XXXX via email XX/XX/XXXX, sent copies of XXXX County Magistrate Court civil action number XXXX to Professional Debt Mediation, I have sat down and discussed this issue in XXXX County Magistrate Court mediation, have filed dispute with each of the three major credit bureaus also file suit in XXXX XXXX Magistrate Court on XX/XX/XXXX and won judgement in my favor on XX/XX/XXXX civil action numberXXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX 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 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 a account without my written instructions.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

called XXXX XXXX XXXX number provided on credit reports for this account. 
from XXXX XXXX XXXX XXXX that I have been a victim of identify thief. my information was found on the internet 23 times from credit reporting companies. and they still wont help.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are a coaching business ( XXXX XXXX XXXX ) that has been going for almost 2 years and we launched a new program that has been very successful. We were notified XXXX of XXXX that because of our increase in volume they were reviewing our account for risk and ask for us to provide them with information. We had a brief message from them with no detail and were told to arrange an appointment. We have been trying to do that but BofA customer service says they can only send the risk department an email. As all of our client payments go through this process they have essentially bought our small business to a stand still. We continue to serve our clients as they have paid in their opinion but Bank of America is holding our funds and refuse to transfer them. We have called every day but to no avail and we need the funds. This is the first time I have ever been penalized for success. They are causing significant consequential damages to our business.
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group (CA)

I RECEIVED TWO VM MESSAGES AT MY PLACE OF EMPLOYMENT FROM XXXX REQUESTING THE NAME OF MY EMPLOYER AND A CURRENT ADDRESS TO SERVE ME PAPERS ... 2ND VM STATED IT WAS IN MY BEST INTEREST TO SPEAK TO SOMEONE FROM GLOBAL RECOVERY GROUP TO RESOLVE THIS ISSUE
Consumer complaint received 2023-06-04
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. (AZ)

Experian has repeatedly refused me access to my report " ON LINE '' I was intentionally blocked. So I am going to continue file complaints, as I stated cfpb has also refused to assist me in getting Experian to do the right thing. But since everyone has violate fair credit reporting act and violated my bill of rights. I have reached out to someone is higher than exxperian as well as cfpb I just have to get them time for their investigation. Since my concerns and request is joke to both entity. I will patiently wait to augh later so continue to do what you'll been doing and that's unprofessional. And defrauding consumers this is only paper trail/evidence. XXXX : XXXX XXXX XXXX I DO NOT CONSENT TO ANY HIDDEN OR REVIVED CONTRACT ( S ) OR COMMERICAL AGREEMENT ( S ). I RESERVE ALL MY RIGHTS, ALL MY RIGHTS I RESERVE UCC 1-308 WITHOUT PREJUDICE XXXX : XXXX, XXXX
Consumer complaint received 2015-10-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.
Consumer complaint received 2023-05-30
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. (MD)

XXXX, Equifax and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.
Consumer complaint received 2023-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX, XXXX, and XXXX are reporting that LVNV FUNDING LLC is attempting to collect an alleged debt of XXXX $ .LVNV FUNDING LLC does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately. I contacted the credit bureaus and it is still on my account.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (TX)

I am a victim of fraud I was told that XXXX was a part of XXXX. My computer was infected. The company, XXXX XXXX, fixed my computer and told me I needed to buy another version of XXXX. They told me the service was good for a year. My computer is now dead. XXXX is in the process of suing the company and told me to get my credit card company involved. Citicard has refused to help me in refunding the? XXXX that was billed.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

XXXX XXXX ( appartment building ) was uninhabitable due to a cockroach infestation. Efforts were made over months to correct the problem to no avail. I terminated my lease legally according to AZ XXXX for uninhabitable conditions. XXXX issued a fraudulent move out statement with over {$4000.00} of early termination fee and insufficient notice fee and other fees. Ironically their own statment proves they knew about the cockroach problem ( pest control charges ), and adequate notice was given ( notice date ). They even kept rent paid after the move out date ( that should have been returned ) to offset against these fraudulent charges. Then they submitted the charges to a collection agency that reported them to the big three credit agencies just weeks after move out. If you search XXXX reviews for XXXX XXXX apartments in AZ, you will find many more reports of cockroaches and illegal tactics.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Consumer complaint received 2023-05-07
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. (FL)

XXXX XXXX Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can can something come back verified when not even the open and closed date of it are being reported right. 

Experian is violation my consumer right under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I can go on and on showing blatant violations for the reporting agency ....
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown account on my credit report. I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately in my report. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX, I completed a XXXX transfer to a recipient named XXXX XXXX. However, Bank of America 's XXXX program changed my recipient to XXXX XXXX. When I received my email confirmation and saw that Bank of America changed my recipient to XXXX XXXX, I went back online to see what occurred. I tried to send another XXXX and noticed that Bank of America was changing my recipient each time. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. 

Just in case this was a temporary issue, I took a video of it. I called Bank of America and spent over an hour on the phone speaking to the non-fraud team and technical support team. I also went to my nearest branch. While at my nearest branch, the technical support staff wanted to mirror my online banking account so they can see what is occurring. 

I left the branch and drove back home. I logged on and when I tried to show the tech rep, the issue was no longer there. I explained to the tech rep that I have a video but the tech rep stated he is not able to receive emails from non Bank of America email accounts. 

I explained the following to the tech rep and both BOA employees from the non-fraud department : XXXX. I have a video of the issue and it is not my problem that BOA is not equipped to receive my digital evidence. They should be. 

XXXX. This is not a user error. This is a bank error. Bank of America 's online service sent my money to the wrong recipient. Bank of America needs to be accountable for this and issue me a credit to my checking account. 

XXXX. I was willing to complete a dispute resolution request. However, I should not be " hoping '' for resolution as this is a bank error.
Consumer complaint received 2023-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I have subside mortgage with MandT bank so payment amounts change. I notified the bank that my payment amount changed and I had be making the new payment since XXXX of XXXX. The escrow analysis was done and there was a shortage. I opted to do the 12 month payment plan on top of my new payment amount. When I spoke to the analysis department I asked for the new paperwork /statements to reflect moving forward this call took place in XXXX ( XXXX ). XXXX I made an on time payment they held it, and put XXXX, XXXX, XXXX payments in suspension as well and made it look like I had not been paying my mortgage. The floodgates open from there they made excuses on top of excuses. According to their records now I was 78 behind in my mortgage payments. I have Statements reflecting this, recorded phone calls, video of a worker coming to my home placing a notice on my door telling me to contact the bank. After they cleared that mess up they continue to call my house and hold my payments every month daily asking for the mortgage payment when it's already been paid. It's a form continue harassment for a bill that's paid and someone that's not doing there job.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX account resolution XXXX/2022
XXXX XXXX XXXX XXXX in XXXX/2022
XXXX XXXX XXXX XXXX/2021
XXXX XXXX XXXX XXXX/2021
XXXX XXXX XXXX XXXX/2022
cXXXX XXXX XXXX XXXX XXXX/2022 
coXXXX XXXX/2022
XXXX XXXX XXXX XXXX/2021
XXXX XXXX/2022
nXXXX XXXX XXXX XXXX/2022
XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022
Consumer complaint received 2024-02-29
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. (CT)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX : Account number : XXXX, please send me the source of these inaccurate accounts. 

XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

I have 4 accounts with Synchrony Bank Store Credit Cards. My home address was incorrect when I was submitting my Payments, therefore credits were not going towards my Credit Cards when I taught they were taken out of my checking accounting. In the meantime I have paid off ( XXXX ) in a short time and Synchrony still reported my delinquency 's to the credit bureaus which drastically lowered my credit score ... ... ..... 
I complained many times and the answer I received every time was they could not do a thing about. I never seen such poor customer service and Credit Company in my XXXX plus years of establishing credit.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (AZ)

To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX