davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (GA)

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 reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-01
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. (NE)

I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
Consumer complaint received 2020-04-01
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. (FL)

XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-04-01
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: EQUIFAX, INC. (NE)

I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

American Express is refusing to properly dispute an a purchase for XXXX XXXX because someone signed for a complimentary cabana. Please note that I XXXX XXXX did not sign for the cabana nor did I personally sign or authorize the charges for XXXX XXXX. The cabana was offered to someone who traveled as a guest who is not an authorized user on my credit card account. This should not have any bearing on a comprehensive dispute being conducted. XXXX XXXX, XXXX XXXX advertised falsely and did not render the services as promised. American Express has an obligation to properly dispute claims for their card members. I am requesting that American Express obtain signatures and compare those to my signature. I should not be held liable because a friend accepted a {$100.00} cabana for the poor service and falsely advertised services not rendered by XXXX.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I only had deposited XXXX into My new account at BB & T and spent it all in XXXX. I did not ask the bank to pay for any overdrafts in my contract explicitly. 
Today at XXXX XXXX I deposited XXXX Into the same account. I discovered my debit card was blocked, so I went to an ATM at the airport to see what was going on with my account and made an inquiry. The ATM said my account was negative XXXX. Which is not true because the XXXX was just spent up today and I could make no purchases the entire day and just deposited XXXX and out of no where the Airport ATM is saying my bank is trying to steal XXXX from me in fraudulent false miscellaneous fees. This is an error and I dont have a negative account. I need assistance because I fear my bank is trying to quitely steal almost 700.00 from me without cause. Please have management contact me and not a representative of a manager.
Consumer complaint received 2024-02-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX  XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. Mr. XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why XXXX  and Transunion could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
TRANSUNION : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TN)

I joined XXXX XXXX in XXXX Tennessee in XXXX. After being a member for a year, I gave them due notice regarding cancelling my membership. I spoke to the customer representative in person and she annotated my cancelation. Thirty days passed and they continued to collect the monthly payment, even though they had agreed to cancel my membership. I attempted to speak to the representative and the original representative no longer worked there. The new representative wanted to start the process all over again. I cancelled my card the following day. While checking my credit on XXXX XXXX, I noticed a derogatory mark that impacts my points. It is a collection agency, 1st Crd Srvc opened XX/XX/XXXX with the original creditor being XXXX XXXX XXXX for the amount of {$120.00}. This is not about the money, this is about a blatant consumer abuse. Their ineptitude for not cancelling my membership when they agreed upon it, then losing the employee who originally processed my cancellation, then wanting to start this 30 day process all over again, is just plain wrong. XXXX XXXX in XXXX wanted to continue to charge me for a service that I no longer wanted. I did what was needed originally and gave them the contractual notice of cancellation.
Consumer complaint received 2020-03-21
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)

ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/XXXX
Consumer complaint received 2020-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I been tried to be always on time but lately I have been struggle because we gained custody of my grandson no complains on that just money problems all I wanted was an extension for few days until next paycheck that will next Thursday that will be XXXX the XXXX only few day they denied it and that will be get me in trouble with my bank I don't know what to do like right now I don't even know if I still have a job believe me I want to pay I been doing it but they are NOT a very understanding people and a lot of people are on my shoes
Consumer complaint received 2020-01-06
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: PRESTIGE FINANCIAL SERVICES INC (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

In XX/XX/XXXX I recieved a Writ  on my bank account for a judgment that was recieved by XXXX XXXX  against me in XX/XX/XXXX. Unfortunantly the attorneys office at the time stated I was served with a court summons to be in court in XXXX and I never recieved notice thus a Default judgement was entered on me at that time. Fastforward to four years later and that was when the original Writ on my bank account was placed and I challenged it and had a court hearing. I never heard a thing from From the law offices of Frederic Weinberg and Associates whom is representing XXXX XXXX   even during and after the first Writ  was placed on my bank account. Then the day of the court hearing they did not notify me and released the Writ on my bank account. I thought I was a victim of Identity theft as I do not have any accounts with XXXX XXXX  nor do I have any debt that I can attribute to be owned by them. Then two years go by and out of nowhere this year XX/XX/XXXX a Writ  is placed to garnish my personal bank account declaring I owe XXXX and XXXX and prothonotary cost of XXXX. I requested an immediate hearing with XXXX Courts and I was granted one XX/XX/XXXX. Unfortunantely secondary to the COVID-19 pandemic the XXXX county courthouse closed down the day before my hearing. The hearing is now rescheduled into XXXX XXXX. At this time I have no way to access my bank account. I am a mother of XXXX children who just recieved my federal tax refund the week the writ  was placed and I have no means to access anything for my children. I attempted to call the law office multiple times and only yesterday had communication with a dispicable person who treated me like I was dispensable did not even wish to help remedy this situation as I told him he was lying as they never contacted me about this prior to placing a Writ  on my bank account. I never knew of XXXX XXXX  in my life nor had I ever recieved calls from them prior to this attorney out of the blue obtaining a default judgment against me on the grounds of improper service. In XXXX I thought as it was released that it was gone. The person I spoke with yesterday at law offices of fredrick weinberg also said they placed a writ  on my bank account last year which is flat out false. They are a disgrace. They should not be able to do this in the midst of a global pandemic. I need the money for my family to live and they have no right to do this to me and my family.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (VA)

I have tried to contact First Point Collections directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. First Point Collections are absolutely horrible. They don't even attempt to follow proper validation measures.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My loan service company changed XXXX XXXX XXXX. After the new company ( Shellpoint ) did an escrow analyst it is showing a shortage of almost {$9000.00}. Come to find out they never got proof of me paying hazardous insurance since XXXX. Ive always had lender placed hazardous insurance because it is cheaper for some reason but the company is telling me that it is my responsibility to find all the policies for the last 13 years. I want to know if this is legal and if they can back charge me for this. It even shows in their system two insurance claims Ive made, XXXX & XXXX.
Consumer complaint received 2020-04-01
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: Resurgent Capital Services L.P. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

In XXXX of XXXX I tried to open an credit card account with XXXX XXXX XXXX. I received a letter from them staying that I couldn't do to a credit freeze on my Equifax credit report. I called Equifax in XXXX and was told to mail in a copy of my driver 's license, my social security card and a letter stating to have it removed. I submitted everything requesting the removal in XXXX. Fast forward to XXXX and I am trying to apply for a mortgage loan and the lender is able to pull all my credit reports but Equifax due to a credit freeze on my Equifax credit report. On XX/XX/XXXX I called XXXX and was on hold for an hour before speaking to an agent. I explained to XXXX why I was calling and she stated she couldn't help me and had to transfer me to another department. Instead of transferring me XXXX hung up the line. I called XXXX again and was on hold for another hour and half just to speak with XXXX AGAIN at this point requested to speak with a manager or supervisor and was told by XXXX that leadership was not speaking to customers due to the COVID-19 outbreak as if thet was going to catch it through the phone. Equifax is a fraudulent company that places freezes and alerts on consumers files then refuse to remove them and under the fair credit reporting act credit reporting agencies are required by law to honor any request that consumers submit. Why Equifax didn't remove the alret when requested in XXXX needs to be investigated immediately because Equifax once again are not operating within the essence of the law
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

( THE SELECTION OPTIONS YOU PROVIDE DID NOT FIT ) A dispute on the 3 cra XXXX, XXXX, and XXXX  was initiated in XX/XX/XXXX for an alleged bill claimed to be owed to XXXX  for the alleged amount of {$330.00}. I had disputed this bill numerous times and with XXXX, regarding not being properly credited for a closing bill they claim the billing is correct I still dispute it as I believe I owe far less more like under {$100.00} if anything. I was not notified in writing ( not that I can recall ) that this debt had been forward to convergent outsourcing acting as a third-party collector on behave of XXXX. Convergent started collections and reporting on my credit reports, Long story short after their numerous attempts to collect, for the full amount or 50 % they were trying to extort out of me, management ( per XXXX  ) agreed upon an amount of {$130.00} on XX/XX/XXXX, they were supposed to send me a written agreement which I requested before I would pay in full the agreed upon amount, on XX/XX/XXXX they finally sent a written agreement via email, with an error, the due date was the next day XX/XX/XXXX and this was not discussed with me, so on XX/XX/XXXX I called and spoke with XXXX XXXX and asked her for a corrected settlement agreement in which, I was assured it would be sent to me shortly. on XX/XX/XXXX I called asking where was the written agreement and that I would pay the XXXX that day instead of honoring the written agreement with the wrong due date, they chose to try and bait and switch me to pay a higher amount. My concern is since I have a written agreement and they will not honor it, how can I be sure that they will honor any agreement we come to and pay XXXX  including reporting this debt as being paid. I do not want to be scammed after paying an agreed-upon amount and then this collection company pulling a bait and switch again and going after me for more money, I thought anything in writing is supposed to be a legit agreement.