davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (GA)

I am writing to formally dispute a collection account that has been adversely affecting my credit report. Upon reviewing my consumer rights under relevant consumer laws, I have identified several violations committed by the collection agency, which warrant the immediate removal of the reported collection from my credit report. 
Firstly, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this obligation, the collection account has been reported without proper validation, thereby infringing upon my rights as a consumer.

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with a fair chance to contest the validity of the debt is a clear violation of consumer protection regulations. 
Moreover, the collection agency has engaged in deceptive practices, including false and misleading representations, which contravene consumer rights laws. Such behavior is in direct violation of the regulations outlined in many consumer laws. 
Additionally, the collection agency lacks the authority to furnish the account to consumer reporting agencies without providing all necessary disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Furthermore, as I have not entered into any contractual agreement with the collection agency, they have no legal basis to claim ownership of the debt. 
Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to remedy the violations outlined above. Specifically, I urge the immediate removal of the collection account from my credit report, as it is unjustly impacting my creditworthiness. 
I appreciate your prompt attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

Intentionally failed to submit summons or complaint to notify defendant of a lawsuit. Has a bad history of withholding critical information from consumers concerning lawsuits and verifying and validating debts. Please see attached.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

this is showing on my credit report which is inaccuarte amount of an account. 

LVNV FUNDING LLC XXXX {$780.00} - - -No Data Account Information Address C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$780.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$780.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. It was recommended to me that if something did not seem right on my credit report, that I should send letters to the credit bureaus for them to fix any of my issues. So, I proceed to send a letter to TransUnion on XX/XX/2020 to place disputes on anything that seems to be inaccurate on my credit report. 
I received a response back that the alleged bankruptcy was verified as accurate. Since TransUnion, did not remove the incorrect information, I then again sent them letters dated XX/XX/2020 and XX/XX/2020. I never received a response from TransUnion. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked TransUnion for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from TransUnion. They have failed to comply with the FCRA. 
Attached are all documents regarding my complaint against TransUnion. 
I ask that TransUnion complies to the Fair Credit Reporting Act and removes the item Chapter 7 Bankruptcy case number XXXX from my credit report.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

I have tried to get additional assistance from American Express due to lack of work or funds. They have offered a payment plan however I have expressed to them that I don't have funds to make the payments. I have asked for a couple of months deferral however they will not offer that to me. I am in an area that has been hit by COVID 19 in a major way. I live in XXXX Texas. This area is one of the highest affected by COVID 19. American Express will not help me with extending the payments due to this problem. I'm not sure what else to do at this point but to report them because they are not offering any assistance to extend payments until things get better in this area. Please help me in my situation with them. Thank you!
Consumer complaint received 2020-06-18
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: BARCLAYS BANK DELAWARE (GA)

In XXXX of XXXX I opened up a Barclay 's Credit Card. As soon as i opened the card I had immediate problems. Balance transfers have been made without my consent by a XXXX XXXX. I called the problem into Barclays and to date it is still not resolved and they have reported to the credit agencies and my score has declined.

After months and months of issue and 2 bank balance transfer we made according to Barclay 's. {$3600.00} & {$1200.00} I do not have the card and I do not have access on line. I closed the account XX/XX/XXXX and I have a letter from Barclay 's  bank documenting the account was closed with a XXXX Balance. 
On XX/XX/XXXX, I received a letter now with a new account number ( that I did not open or authorize ) That a recent payment to my card was made in the amount of {$3600.00} and returned to my bank. I did not make any such payment and reported it to Barclay 's and at this point I have investigations open into this account and a police report from back in XX/XX/XXXX and a supplemental update in XX/XX/XXXX. 
I have received letters from Barclays telling me while this is being investigated I would not be held responsible for this activity, and an adjustment will be placed on my account however that have sent me to collections they have reported to the credit agencies being late over 90 days for 3 months and although I received a letter when I closed the account back in XXXX of XXXX. They have opened up new account without my knowledge and when you read the documentation please take not all the account ending numbers. They just reported closing the account XX/XX/XXXX. 
I need help every time I call they tell me another 30 days. I have spend countless hours trying to get this corrected, but to send me to collections and report to the credit agencies with my score now dropping over 100 points. This is outrageous. 
I have sent them police reports and all the documentation and they will not stop collections they tell me I have to wait another 30 days
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed it from my Consumer File. I then proceeded to dispute the bankruptcy with Equifax, and they are not complying appropriately with the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all the supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Equifax on XX/XX/2020 and attached the letter I received from XXXX. Equifax responded back with a letter that said that This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Equifax verified this information since XXXX had already removed it from my consumer report. I went to the recommended website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for Equifax, Equifax performs the matching. 
I then again proceeded to send letters to Equifax dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Equifax. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked Equifax for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Equifax. Equifax has failed once again to comply with the FCRA. 
Attached is all documentation regarding my complaint against Equifax. 
I ask that Equifax complies to the Fair Credit Reporting Act and removes the item Chapter XXXX  Bankruptcy case number XXXX from my credit report.
Consumer complaint received 2020-06-18
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2020-06-18
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (NV)

Exeter Finance has hired someone who is contacting many people that are related to my fianc and asking for my address and information stating that they were hired to do a service for my upcoming wedding and need to get in contact with me regarding the service.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc. (NJ)

FINANCIAL RECOVERIES ( XXXX XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

I paid off a mortgage with Suntrust in 2019, but Suntrust did not release the lien correctly. They issued a reconveyance against the wrong deed of trust. This results in a lien on my property still held by Suntrust, even though the mortgage has been paid off. 

I tried calling customer service. They promised three times that they would call me back to provide information on how to get this resolved. I have not gotten a call back.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OR)

I am a current CitiCard customer that had a card expiring. I received the card and called to activate it. I successfully activated the card, and the agent said I was eligible for a Gold option on the card and asked if I also wanted the " feature turned on ''. I said OK. 

What really happened is that they sent my new expired card AND opened a new credit card with a {$10000.00} credit line and several terms including a {$50.00} annual charge. My original card is a lower credit limit and no annual fee. NO REPRESENTATION was given to me that this was going to be a new, separate card, and NONE of the terms were provided. It was misrepresented as a 'feature ' on my current card, not a new Gold card. 

I felt this was a gross misrepresentation and false marketing to drive new accounts and higher credit limits just like XXXX XXXX has been fined for doing. This hit my credit report and affected my score among other inconveniences. 

I called and immediately cancelled the card, but this must be a rampant practice at CitiBank now. 

I would like an understanding of how the CFPB is going to follow-up especially given the I myself am in the financial services industry.
Consumer complaint received 2020-06-18
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. (NJ)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX ( XXXX t XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-12-24
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. (GA)

Hello. For some time now, I have been going back and forth with XXXX, Experian and XXXX about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX  has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date?

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, Experian and XXXX  to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Experian, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 

On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 

I proceed to send a letter to Experian on XX/XX/2020 and attached the letter I received from XXXX. Experian responded back with a letter that said that This section includes public record items Experian obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 

I was confused to how Experian verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for XXXX, XXXX  performs the matching. 

I then again proceeded to send letters to Experian dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Experian. 

Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Experian for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Experian. Experian has failed once again to comply with the FCRA. '' Attached is all documentation regarding my complaint against Experian. 

I ask that Experian complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from my credit report.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I recently opened a savings account with Marcus by Goldman Sachs. The very day I transferred funds into the account Marcus LOWERED the interest rate without warning. I called to close the account and was told the funds were on hold and to call back on XX/XX/XXXX. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX. This bank is working a SCAM! I want my funds transferred back to the accounts from which they were taken.
Consumer complaint received 2023-05-25
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. (IL)

XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score
Consumer complaint received 2020-08-12
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. (OH)

I disputed a bankruptcy to be removed from my credit report because its been over 7 years. Experian investigated for accuracy which is not the problem. I know that its accurate because I filed. I disputed the bankruptcy because I have fulfilled the time requirement for it to stay on my credit report and would like it deleted.