davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I bought an XXXX through XXXX with the Citizens One payment plan in XXXX of XXXX. Citizens One provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by Citizens and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and Citizens told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, Citizens One reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to Citizens, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, XXXX etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXXXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXX/XX/XXXX Payment History Account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off.

Status UpdatedXX/XX/XXXX fcra violations not mine remove it XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late
Consumer complaint received 2021-01-14
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. (OR)

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX, Reported : XXXX XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (PA)

On XX/XX/XXXX I had my credit run and on the report there was a Collection Item. Quality Asset Recovery in the amount of {$1700.00} with a date of XX/XX/XXXX. In an attempt to get this item removed from my credit, I contacted Quality Asset Recovery to find out who this money is owed. I talked to XXXX XXXX at ext. XXXX, she told me it belonged to XXXX XXXX XXXX and had a service date of XX/XX/XXXX. I then looked up XXXX XXXX XXXX to find out which doctor I may have seen in XX/XX/XXXX. It was Dr. XXXX XXXX. I can't imagine why I would have a bill in this amount when I have always held medical insurance. I have made many attempts to contact his offices. He had two offices. One in XXXX, PA and the other in XXXX, PA. The phone continues to ring with no answer, no voicemail and/or I receive a busy signal. I have not been able to confirm that this debt is accurate. I've come to learn that this doctor had his license revoked. How can I handle having this collection removed from my credit report?
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to CONVERGENT OUTSOURCING along with Exhibits stating violations per USC 1692d ( 1 ). CONVERGENT OUTSOURCING is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to ARS Account Resolution along with Exhibits stating violations per USC 1692d ( 1 ). ARS Account Resolution is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Consumer complaint received 2021-01-14
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 (MD)

I rented a car from XXXX at XXXX airport on XX/XX/XXXX -XX/XX/XXXX, daily rental fee was {$46.00} plus insurance total {$530.00}. I needed to return home earlier and mentioned that possibility to the clerk and he said " no problem ''. Later I found out that Bank of America was charged {$590.00} on my debit card as a result of returning car earlier. I was willing to pay for the original cost even though I only used the car 4 days but they gauged me with {$280.00} daily rental fee totalling to j {$1100.00} I have all documents and would like to see justice for this stealth highway robbery where they can charge whatever they like. I disputed with B of A but ended up declined. Please help me.
Consumer complaint received 2021-01-14
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT(FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c)(B)(iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2021-01-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.
Consumer complaint received 2021-01-15
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (TX)

XX/XX/XXXX, XXXX  reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but XXXX  has refused and has added more incorrect reporting.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I have mortgage with Mr Cooper for the last 15 or more years. 
Because of financial I was bagging and asking to refinance only the mortgage for lower interest rate so it will help me financially. 
I keep getting denied for nonsense reason if I can afford to pay for the interest rate what I have now Im capable to pay for Lower interest rate but they are not helpful and they arent trying to help me out instead they are trying to push me going bankrupt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. 

The Creditors XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXX XXXX and XXXX XXXX. The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. 

Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (NC)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX online, the vehicle was delivered to my address and the funds taken from my checking account. I signed all the documents the delivery person gave to me and uploaded all the documents requested by XXXX. A week later XXXX requested again proof of insurance in which I uploaded the same document they took a picture of at delivery and that I had already uploaded to them. Over the next couple of months, after numerous attempts to obtain a status of my title and registration, and after multiple requests from XXXX to provide even more documents that they already had, I never received my title of registration so I filed a complaint with the NC Dept of Justice and XXXX responded on the XX/XX/XXXX. They admitted there was a problem with the title, there legal team stated they were able to confirm the title was now ready for processing on the XX/XX/XXXX and that they would expedite my registration. XX/XX/XXXX I received a call from the advocate trying to assist me, after a few attempts to request she call me. She stated that the entire deal had been returned by the vendor for a title issue! It has now been almost 4 months, I've been driving on temporary tags and do not legally own my own car which was a gift for my daughter, totally ruined the surprise. 
I was told by the advocate that she has requested a self registration and will try and find out the process and can not give me an ETA. I informed the advocate of the letter from Carvana Legal and she was unaware of the statements they made regarding my title issue. NC requires the dealer to submit the registration within 30 days, I have now requested that Carvana either produce a good title that I can register in NC or refund my total cost for this vehicle, they have been deceptive and they stall knowing full well they had no right to sell the car to me in the first place, they were not the owner of the vehicle, to this day NC shows the vehicle in question being registered to the first owner out of XXXX NC. I need help in resolving this issue, because I'm out of pocket over {$16000.00} and can not obtain a loan on this car to pay myself back because I do not legally own it, please help me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX Pursuant 18 u.s.c 8 I do not own any debt, this company is violating my consumer rights to privacy.
Consumer complaint received 2021-01-14
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-14
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. (TX)

XXXX, XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1100.00} with XXXX XXXX XXXX. This case was filed XX/XX/2021. No one from XXXX, XXXX has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have been dealing with debt collection agencies regarding unpaid debt of identical amount like it's just being passed around. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above XXXX before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this.I need help this correct this. I have attached a copy of a previous complaint I filed with an identical amount trying to be collected from me
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a TD Beyond Checking account on XX/XX/XXXX. They advertised customers can earn {$300.00} sign-up bonus with {$2500.00} direct deposit in 60 days. In terms of eligibility, they clearly stated the below in the Promotion Disclosure section ( screenshot attached ) : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I completed the criteria on XX/XX/XXXX yet still no bonus, so I approached TD Bank. They replied I was ineligible for this bonus because I had a checking account with them back in XXXX - which clearly contradicts with their disclosure term of the " preceding 12 months ''.
Consumer complaint received 2023-06-28
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Insikt, Inc. (TX)

Paid in full the account with aura financial, called they said they could not help do to that they made a transaction with the company ... aura  Doesnt exist anymore now its ( XXXX  ) ....
Consumer complaint received 2021-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account charge off which is a IRS Law ; Certificate of indebtedness is income and must be remove from credit report. 

If your debt is forgiv

en or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. In general, if your debt is canceled, forgiven, or discharged for less
than the amount owed, the amount of the canceled debt is taxable. 

XXXXXXXX XXXX XXXX, Canceled debt- IRS Law
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (IL)

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.