davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

1.Obscene/profane language : stating I owe an alleged debt ; implicating I must pay an alleged debt.

2. HARASSMENT!!! Multiple unsolicited phone calls ( x43 ) and voice mails ( I have call logs and voice mails to provide should I pursue civil/criminal litigation ). *HARASSMENT* 3.Obtaining/accepting my personal info ( phone numbers & mailing addresses ) to.

Notice, Pursuant to 15 USC 1692 - total in damages and violations : {$45000.00} If such notice from theconsumeris made by mail, notification shall be complete upon receipt.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I called the original hospital ( XXXX  XXXX aka XXXX XXXX ) where I was seen in XX/XX/XXXXand I asked why all of these bill collectors had been trying to collect balances from me. They informed me there was nothing owed.

The company trying to collect a debt not owed is Commonwealth Financial Services , Inc. for the amount of {$100.00} which was purchased from XXXX XXXX XXXX. 

I called the VA because I am a permanently and totally XXXX veteran and asked why is this hospital/debt collector trying to collect. They stated that because this company has listed themselves as a law agency they can not communicate with them.

The Florida hospital even went on to state that they do not use this credit collector as they have their own in-house collections.They do not know who this collector is.

I do not owe this debt, and I have been fighting with the credit bureaus to take it off but the keep selling this this debt and renewing it on my credit report.

I am asking kindly for someone to help me as I do not know what else to do, Thank you
Consumer complaint received 2021-07-26
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. (TN)

I notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

XX/XX/XXXX I received a letter from my CURRENT mortgage bank -XXXX  XXXX  that my loan servicing had been transferred : Details provided : XXXX would no longer accept payments for my mortgage as of XX/XX/2021. 
New Servicer SunTrust now Truist I should expect correspondence from my new Servicer-set up payments with new Servicer. 
THE LETTER FROM XXXX  STATES THAT A 60 DAY GRACE PERIOD FOLLOWING THE EFFECTIVE DATE OF THE TRANSFER OF THE LOAN SERVICING NO LATE PAYMENTS OR LATE FEES WOULD BE ASSESSED BY THE NEW SERVICER OR REPORTED TO THE CREDIT BUREAUS. 

As of XX/XX/2021 I did not have any welcome letter or account information. By XX/XX/XXXX I was worried. I called the number provided by XXXX. 
A pre recorded message stated that if your loan has been transferred to SunTrust NO ACTION is needed, SunTrust would be sending out information including account number etc. after XX/XX/XXXX. 

Today XX/XX/2021 I received A THREATENING EMAIL FROM SUNTRUST STATING I HAD NOT MADE MY XX/XX/XXXX PAYMENT AND THAT IF I DID NOT MAKE IT BY XX/XX/XXXX I WOULD INCUR LATE FEES. 
AS OF TODAY THE EMAIL IS THE ONLY CORRESPONDANCE I HAVE RECEIVED FROM SUNTRUST. see COPY OF THE EMAIL I RECEIVED BELOW-HOW CAN SUNTRUST BE THREATENING ME WITH LATE FEES WHEN I DONT HAVE AN ACCOUNT NUMBER TO EVEN CALL AND MAKE A PAYMENT OR SET UP AN ON LINE ACCOUNT, Dear SunTrust Client, This is a friendly reminder that a payment of {$2600.00} for your mortgage account ending in XXXX was due on XX/XX/2021. If you have already made your payment, please disregard this message. 

To make your payment, please sign in to Online Banking at suntrust.com or our Mobile Banking application. To avoid a late fee, please ensure payment is received by XX/XX/2021. 

We're here for you. If you are experiencing difficulties that are affecting your ability to make timely payments, please call our Client Services Department at ( XXXX ) XXXX, Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX, ET. 

Thank you for being a valued SunTrust client.
Consumer complaint received 2021-08-10
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. (TX)

This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this information.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Freedom Mortgage Company (GA)

I had a VA Loan from Freedom Mortgage but sold my house in XX/XX/XXXX. The loan funded and my debt was cleared and there was a surplus in escrow that was owed to me. a check was sent from them supposedly to my old address that I never received. I even received a letter from them as such. 
I called their customer care 800 # on XX/XX/XXXX and requested they cancel the other check and re-issue the check. The person I spoke with assured me the old check was cancelled and a new one issued. He asked me to wait 5-7 days. One week later I called when it wasn't received and was told the old check was never cancelled and the new check never issued. He told me he would take care of it for me. Another week passed and no check. I called again and asked to speak with a supervisor. i spoke with XXXX XXXX # XXXX who assured me the fastest way for me to get my money was an ACH transfer which he was going to take care of and would be in my account no later than Monday XX/XX/XXXX. to no surprise on Friday XX/XX/XXXX it still was not in my account. I called back and spoke to the agent but asked if I could speak to a supervisor. XXXX badge number XXXX told me ACH was not possible and only a manual check could be issued. he would take care of it and call me back either that day or the following day as soon as he found out something. I still have not received the call from XXXX nor have I received my escrow money. I have done far more than due diligence in trying to get my money back and all I get from Freedom Mortgage is lies, misinformation, and subterfuge. I even requested at one point to speak with XXXX manager and was told managers do not deal directly with customers and he was the highest authority i would be able to speak with. This business practice is deplorable. Freedom Mortgage has been using my money for nearly 4 months and that is excessive. I want my money back.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

My Honda Financial Account ending in XXXX is still being reported to the 3 credit Bureaus as open when account was satisfactory paid off on XX/XX/21 by law under FCRA this account needs to be deleted from all three credit bureaus for reporting inaccurate credit reporting on my credit profile and I want this removed immediately
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On several occasions I have tried to have my consumer report free from all negative things reflecting on my report each time Equifax have utterly disrespected me by failing to respond to my dispute letters, failing to provide proof of method of verification and allowing companies to place inaccurate information on my report without furnishing proof. They has violated several of my consumer rights. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not they have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. I have proof Equifax have received and accepted through registered mail my dispute letter dated XX/XX/XXXX, and XX/XX/XXXX but failed to respond or provide proof of method used to verify this allege debt. I even reached out to these companies and they did not respond to any of my communications. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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. (CA)

Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing. 

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (CO)

I bought a {$100.00} XXXX XXXX gift card at a XXXX on XX/XX/21. When I opened it, card numbers and pin were covered tampered with superglue. I was not able to use the card at XXXX XXXX. 
I went back to the store I bought the card and was told that they are third party they cant do anything at the store level and asked me to contact XXXX at XXXX for help. 
I then did and opened a case. After 3 weeks of waiting for the updated status of the case, a rep told me the card was redeemed but was not able to tell me where and when it was redeemed. She then told me to contact XXXX  for help. 
I went to a XXXX  store and a lady at customer service desk made couple phone calls and about 20 ' on the phone of investigating the issue, she finally got the card number and pin and the card was indeed redeemed by someone in TEXAS right after I bought the card and was activated at the XXXX. 
She said that they got card numbers and pin, put superglue on so buyers can't see it, they wait until cards are activated so they can redeem them. 
She also said there are multiple people who have come to her store with gift cards that tampered with superglue like I have. 
A XXXX rep also told me to contact the gift card provider/maker to solve the problem.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CSC Credit Services, XXXX XXXX, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2021-08-10
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. (TN)

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 remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$3200.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-08-10
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. (NY)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-07-26
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: AMERISAVE MORTGAGE CORPORATION (CA)

They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXX - XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) Ameri Save Mortgage Corporation 5 ) XXXX XXXX XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (SC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2018 I want to XXXX XXXX XXXX to fix my XXXX, XXXX XXXX XXXX the inform me that they have Promotion to fix my XXXX on credit {$4900.00} interest for 4 years i have to pay fix payment for {$200.00} every moth, I agree And sign the agreementCan I start paying them {$200.00} every month until my parents come down to {$1200.00} before the pandemic came And I stop working and everything is shut down I called the bank regarding the payment and ask the bank To postponed the payment because the COVID-19 the agree to postpone the payment after 2 month I was late on my payment they add interest on my Balance was {$1200.00} to {$3600.00}, iI called again i talk to the bank Agent regarding the interest the agent he informed me he will helping me to pay my old balance {$1200.00} with out interest and he will lower my payment from {$200.00} to {$59.00} for 2 years with out been late on my payment, I agree, because I don't want to be late on the payment i Gave the agent my checking account info to draw payment from my account and they start taking the payment from my account every month after one year I called the bank Again to make sure I am right track call my balance how do you spoke with another agent she informed me yeah I have one more year to finish my balance and I ask her about my balance she told me don't worry about the balance but when you finish your XXXX years you will be finish your balance I told her OK after XXXX months I called again to make sure I am OK on right Track They told me no I have to pay the interest on the balance because I didn't pay one time I know I spoke with the manager I told her I have agreement with you for two years to To pay my balance and close my account and she told me she got a check the phone Conversation and get back with me after one month after 3 weeks I got letters from the bank saying I have to pay the interest on my balance and I have 60 month payment plan, when agree for 2 years to pay the bank and close my account with bank. Please i am no working yet I need your help this bank Rip me offI already paid them what i borrowed from them now they add more then my balance just interest, please help me