davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 XXXX XXXX # XXXX 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 reportinq 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 I Hems or information Any other adverse item or information, other than records or convictions or 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 2020-06-09
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. ()

My name is XXXX XXXX. My XXXX score is XXXX. I strongly disagree with this score as it should have been more than 800. I have never been a defaulter & my all past records are good. I want clarification of having poor score.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (VA)

Back in XX/XX/2019, while traveling to Maryland I used the XXXX XXXX  ATM. The ATM 's there have no surcharge and this is why I chose to use them. Shortly thereafter while checking my bank account I was informed that the {$3.00} fee was deducted from my account. When I asked why, I was told by the representative that the fee was deducted because I used a non BB & T ATM.

First of all I have a BIG problem with this!! I go to work EVERYDAY and I have the money which I work hard for place into my checking account from my employer. This money comes from the XXXX  XXXX  for which I work, NOT FROM BB & T!! I was appalled to hear this. This is robbery at it's best!! I have inquired numerous times about this and no higher up has called to explain why or to tell me that money will be refunded. If a person uses XXXX XXXX or XXXX XXXX, yes I understand that there will be fees, but not for a non surcharge ATM. 
I will be very vocal about this and closing my accounts. XXXX XXXX  XXXX a wonderful customer service institution has my vote. Perhaps BB & T or XXXX  can take a hint from true banking ... they aren't being truthful I can tell you that.
Consumer complaint received 2021-09-30
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: DISCOVER BANK (NY)

please remove them : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served.

I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (GA)

I went to the emergency room as a private pay, non insured individual. on XX/XX/XXXX. The hospital and all associated services/personnel billed as such. All of a sudden in XX/XX/XXXX, amount of XXXX a derogatory collection shows up on my credit reports with NO PREVIOUS BILLING AT ALL. I do not know what the charge is for or how much it was to begin with. I contacted commonwealth finance systems and ask that they remove it from the credit bureaus as we work thru this and they ignored me and put me on a continual call roll .... my phone rings 20 times a day. Each time a different person calling from common wealth, instead of the XXXX individual I was told had my file, all correspondence was sent to : XXXX XXXX
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NM)

I was out of a job from XX/XX/XXXX to XX/XX/XXXX. I missed several payments on my mortgage. As soon as I started working again, I sent partial payments and tried catching up. I decided to try a loan modification with Quicken Loans. I was approved for a modification, put on a payment plan where they said I would skip a month of payment then the plan starts. Find out 3 months after the start of the first modification that it failed. I contacted Quicken Loans, instead of looking into the issue, they put me on another loan modification, set up a payment plan that had me skip a month of payment, then the payment plan starts. Find out later the modification failed. Quicken states there is an issue with my deed. I explain that I refinanced my ex husband off the loan back in XXXX with Quicken Loans. The Account Resolution team says ok, I see that and then put me on yet ANOTHER modification. Same thing as above, this has now happened four times and I just found out that I am now on month 8 of FORECLOSURE??? I have never received a summons or anything saying I am in foreclosures. Quicken refuses to take a payment, and is demanding either a {$10000.00} payment outright or I lose my house. Apparently they were running a foreclosure on me at the same time forcing modifications that will never, ever work because of the errors they made at closing 4 years ago. I tried speaking with several " executives '' however, they are just bullies that deny all accountability. That is literally their job. I finally had to find out myself that Quicken Loans recorded not only the deed incorrectly with XXXX County but my mortgage was recorded incorrectly as well. So, technically I missed three months of payment back in early 2019, but because of all the loan modifications and Quicken forcing me to skip a month of payments ( that could have been made ) to set me up on a payment plan, now makes it look like I haven't been paying. Quicken will not answer me on how to fix the problem they created, their loan modification program is a complete scam and they will try to steal your home.
Consumer complaint received 2020-06-09
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. (LA)

XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CO)

I have attempted to fix this issue with the company for several months. I purchased a ring when I entered the store the let me know their machines were having issues. They explained the terms to me as free interest. I paid on time, every month, paying extra every month. The ending balance before the dispute was XXXX my next bill was XXXX. I was surprised and thought it was a glitch. I called the company and they let me know the sales person signed me up for 18 months deferred interest where If I did not pay the entire amount I would be " back charged '' interest. I was never told this, nor did I agree to these terms. I have asked the company to return it to the what is rightfully owed to them and I will pay interest on what in reality is owed to them. 

I have also asked them to provide me with a contract of what I signed since they were unable to provide me one at time of purchase. They are unable to provide me with a contract, I never agreed on these terms nor can they show me I agreed to them.
Consumer complaint received 2023-01-23
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. (OR)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am a victim of XXXX XXXX After being denied access to opening a checking account with a credit union. I ordered a copy of my Chexsystem report. I noticed on the chexsystem report fraudulent accounts that were opened under my name XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. My consumer ID # XXXX. 


I request that you provide me a description of the procedure you used to determine the accuracy and completeness of the bank 's information. Please send this information to me within fifteen ( 15 ) days of the completion of your reinvestigation. In addition, please provide the name, address, and telephone number of each person you contacted at XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX  regarding my alleged account. 

I also request a copy of any documents submitted to you by XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, that bear my signature and show that I have a legally binding contractual obligation to pay them. 

Be aware that this is my final goodwill attempt to have this matter resolved. As it now stands, the information you have presented to me is inaccurate and incomplete and represents a serious error in your reporting. 

It is my understanding that your continued failure to comply with federal regulations can be investigated by the Federal Trade Commission ( see 15 USC Section 41 ). For this reason, I am maintaining a careful record of my communications with you should I need to file a complaint with the FTC and the state of Florida Attorney General 's office. 

If you do not respond within ten ( 10 ) business days, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud, and violations under the Fair Credit Reporting Act.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

There is a debt of {$200.00} on my credit report recently which is not my legal responsibility to pay. I will go over the whole story below. 

I was in a lease agreement with an apartment complex ; XXXX XXXX XXXX, they charged me {$200.00} for a security deposit which in the lease, say that " After you move out, well return your security deposit, less lawful deductions. ". This is all in the lease which I also attached. I never receive the deposit back, in fact I never receive any answer or clarification to any of my questions after I move out. So naturally I assume the deposit is to be included in the move out bill. 

After the move out process, I was sent a bill of {$1000.00} including the breakdown of each item. This does not include the security deposit mentioned in the lease, so I tried contacting them so many times, but no one answer my questions. Eventually, I decided to pay the amount {$1000.00} - {$200.00} = {$820.00} and basically told them that's all I owed them. Still, no one answer me. 

Time passes, and now there is a {$200.00} debt shows on my credit report. It seems they reported it to debt collector as debt even though I receive no clarification whatsoever from renew parc shore and I never receive any written document whatsoever about the bill before it hit my credit report. This is unacceptable.
Consumer complaint received 2020-06-09
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I reported an account opened fraudulently to Santander Bank using my personal information in XXXX of XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently
Consumer complaint received 2020-06-09
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. (MD)

I have a letter from XXXX XXXX  stating they have no bankruptcy on file from me .. XXXX  XXXX to say they verified this account with XXXX ... is XXXX verify this account when I have provided a letter from the vendor XXXX . This is my 4th time send this letter
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens One Home Loans collects my mortgage payment every month online. I schedule my payment beforehand to make sure it reaches on time. However when I schedule the payment, it does not show up online. I have brought this issue up with the company in writing many times, however they have not done anything about this issue. 

Often I forget whether I have already scheduled the payment or not, since there is no way to check online I have often ended up paying more than once in the confusion. Both payments are then locked in, the online system has no option of canceling the extra scheduled payments either. 
This ties up my household finances, mortgage is a huge expense for us. 

My complaint is that all other online portals, e.g., credit card companies, always show clearly when a consumer has scheduled a payment. The same standard should apply to a mortgage company. 

If I schedule a payment, it should be recorded and be clearly available for me to see somewhere.
Consumer complaint received 2020-06-09
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: LEXISNEXIS (MD)

I have a letter from Lexis nexus stating they have no bankruptcy on file from me .. XXXX  continues to say they verified this account with Lexisnexis ... is XXXX  verify this account when I have provided a letter from the vendor Lexisnexis . This is my 4th time send this letter
Consumer complaint received 2022-01-21
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)

On or about the XXXX of XXXX while I was opening up another bank account, the banker ran a credit check on me and said that I had a " XXXX '' credit rating which she thought was very strange because the report showed nothing.. Upon checking this out myself two or three days later, my report indeed said " XXXX '' credit. I called Experian to file a dispute and informed them that I have always had a credit rating in the XXXX 's. The current report shows no credit, no bank accounts, no loans, no credit cards, no history, nothing. I informed them that I have four bank accounts, four investment accounts, several credit cards and lease a car in my own name as well as 2 previous mortgages and several monthly utility bills. After speaking with three representatives I was told that the problem was on their end and would be corrected within five business days. It was not, so again about the XXXX or so in XXXX I again called to explain this situation to another representative who also said that this was an internal problem and would again be corrected within three to five days. It was not and continues to not be corrected. My report shows no credit, no investment accounts no credit cards, no previous mortgages and no car leases almost a blank slate. Experian has done nothing to correct this matter. What they did do is send me my Dispute Results that says that they deleted my correct name and updated it with my correct name, which makes absolutely no sense. I really need to get my real credit report back on line as I use this number to lease my cars and as of now it says " XXXX ''. Any assistance would be greatly appreciated. Thank-you
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (PA)

I filed a previous complain against Barclays after the death of my husband. A credit balance of {$530.00} remained on his account and they closed it due to his death and would not talk to me or my son regarding the rewards. His account number ends in XXXX, in the name of XXXX XXXX XXXX. After filing a previous complaint we did receive correspondence from the company and a check, however it was made out to my deceased husband and I am unable to cash it. My son called the company and they will not make the check out to my name even with a death certificate. They had said they would void the first check and make it out to the estate of XXXX XXXX XXXX, however this does not help us much since there is no estate, and it would cost more than the value of the check to open one with a lawyer. We dealt with other companies that owed us refunds due to my husband dieing and upon providing them a death certificate, they all issued a check in my name. I'd like to resolve this issue and receive a check I can cash for the rewards accrued and earned by my husband. 

Thanks, XXXX XXXX
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cadillac Accounts Receivable Management (MI)

I applied for a home mortgage and was turned down due to derogatory information listed on my credit report. The lending company gave me a copy of my credit report which is when I saw this collection account that was established in my name due to fraud. I filed an ID Theft report which is attached to this complaint. I am requesting that this collection agency stop reporting this fraudulent account to the credit reporting agencies as it has caused my home loan to be denied. If I am unable to purchase my home in time before my scheduled closing date, and I miss the opportunity to purchase this investment property because this collection agency does not want to comply and delete this account from the major credit reporting agencies they report to, then I will be filing a lawsuit against them for the damages I occured and the future profits I would have missed out on because of the inaccurate negative credit reporting.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I haven't had a recent credit score through XXXX and experian in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back
Consumer complaint received 2024-01-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis is attempting to collect rental debt that is not only invalid but the original creditor is no longer associated with the property and as such, has no record of the real debt.

Genesis can not produce documentation and as the original creditor is no longer associated with the property, Genesis should immediately cease attempts to collect as well as derogatory reporting.