davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Fairway at XXXX Apartments in XXXX TX XXXX XXXX is XXXX XXXX who have not and refuse to valid debt To Whom It May Concern, I have an issue with my final bill that still hasnt been cleared. I was told by the property manager XXXX XXXX XXXX that this issue isnt handled by the leasing office. I assumed everything would be a dealt with quickly. Unfortunately, that was not the case. I XXXX XXXX XXXX and my daughter XXXX XXXX XXXX occupied the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX from approximately XX/XX/XXXX until XX/XX/XXXX. I did give you my forwarding address which is still currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was told that any final bill would credit against my deposit. I also spoke with XXXXXXXX XXXX XXXX regarding the bed bug treatment charge that was included in my final bill. I never had and still dont have bed bugs. From day one if you check your records, I requested monthly sprays due to bugs getting in my home. My home and was immaculate otherwise. I had technician in & out of my home for maintenance issues and bugs were never reported. I did however advise the rental office that the neighbors above me had several dogs and bad odor coming from their home. My tub and toilet backed up numerous times due to no fault of my own and bugs came to that restroom area. You sent a plumber a few times for that. Now if you choose to do that for prevention thats one thing but I should not be charged for it. Frankly the home was cleaner when I left than when moved in. I completely cleaned out the home when I left. Also, the main issue is that my deposit was Never applied to my account. You have sent this to a collection agency without doing you Due Diligence. I was required before moving in or signing the lease to get a $ XXXX deposit. This was Never applied to my bill and the difference sent to me. The XXXX XXXX XXXX coverage # XXXX which I enclosed a copy of the original email receipt. Please note their phone number is XXXX. I did reach out to that company on my own and was told No One ever reached out to them to close my account or let them know I moved out. Perhaps this is an oversight but its quite a major one. I insist you must rectify this situation Immediately. I want this removed from my credit Immediately from under both me and my daughters names. This needs to be taken away from whatever debt collector you sent this to. A good contact number for me and my daughter is XXXX and/or XXXX. Please contact me at your earliest convenience. I will truly appreciate getting this worked out swiftly. Thank you for your assistance. Please note I will be using certified mail for this. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX at XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke to an agent on yesterday at TransUnion regarding an account that was reporting as fraud on my credit report XXXX XXXX XXXX XXXX. It has been disputed before, and Transunion has came back and stated that it was verified. I even provided a FTC Statement to validate this item as fraud. At this point Transunion has violated my rights according to the FCRA. 

In accordance with the fair credit reporting act Transunion has violated my rights. 

15 USC 1681 Section 602 states I the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions. 

15USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2017-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC (FL)

XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt.
I have no contract with One Advantage LLC., and will like the records to show.
When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file.
I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge.
please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (GA)

I was approved for an Avant card in XXXX of this year. The company has since locked my card without cause and I am unable to use it. They are still reporting the account each month on my credit. When I contacted the company for more information I am told to email utilities bills and other personal information. After doing so I am told to send more emails to different departments and no resolution has happened. This has been only for 180 days.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately, I have reached out to all creditors as well. 

XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX {$270.00}
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

I previously disputed this debt as I was provided with my medical bill but not my signed hipaa release of information. The company stated they had proper authorization. The next day they reported the same debt on my credit report as a duplicate causing my credit score to drop drastically.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2017-09-01
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. (RI)

Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want
Consumer complaint received 2024-02-23
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. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX and XXXX, 2022 I wrote to XXXX, Equifax, and XXXX in regards to deleting these poor investigated items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received correspondence stating the accounts were verified. If accounts were verified why are they deleted from XXXX? Please see that my deleted items are deleted from all three bureaus.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Services # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # 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 2016-01-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (PA)

I received a bill from a " CBE Group, INC '' attempting to collect a debt on behalf of " XXXX ''. This date claims to be an amount of {$43.00} and includes a " service disconnect date '' of XXXX/XXXX/XXXX. 

I did previously have XXXX XXXX internet and cable service from XX/XX/XXXX through XX/XX/XXXX a standard 2 year agreement which was disconnected promptly at the end of the XXXX month. 

I attempted to contact XXXX directly to see if there were any outstanding charges on my account and they confirmed a XXXX balance from the account held XX/XX/XXXX- XX/XX/XXXX. 

After spending roughing XXXX minutes on the phone being transferred back and forth between XXXX " Customer Service '' and the CBE Group `` Customer Service '' and " Finance Department '' I was only able to be told that the {$43.00} was from " pay per view '' orders and ordered through the account associated with phone number " XXXX ''. I did research on this number as I did not recognize the number and found that the area code used " XXXX '' is not a valid registered area code in the United Stated. 

I formally disputed the charges with " The CBE Group , Inc. '' pm XXXX/XXXX/XXXX by written correspondence to their mailing address and would like for the debt to be validated prior to potentially harming my credit or before I make an unnecessary payments for charges of services I did not approve.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (GA)

On XX/XX/2022 I received an alert that an account was entered on my credit report by AmSher Collection Service. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a credit card with Capital one and I paid it off and requested for the negative tradeline be removed from my credit reports since XXXX of 2014 since I have been working with XXXX Law firm and Capital one refuse to comply with my challenges to provide documentation, however Capital One indicated that they have complied and responded to my dispute letter by sending a response to a address I have not live at in years which was XXXX XXXX XXXX, XXXX, Ga XXXX. I never received any reply back from my disputes. I do n't think they even sent a reply.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc (CA)

In XX/XX/XXXX, I did a XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX ), but the doctor didn't told me that the XXXX XXXX XXXX XXXX is a out of network before sending me to the center, not providing any financial estimation as well, they billed me {$1300.00} about XXXX months later after finishing the XXXX, I would have went directly to the lab and went to the hospital if I known this was going to be this much. 

I had a couple a phone calls with XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX for negotiating the bill, the final call was to ask them to provide evidence for providing financial estimation before sending me to the center or XXXX. However, I have not received the related documents. 

Then they just sent this bill to a collection agent ( UNITED RESOURCE SYSTEMS ) at XX/XX/XXXX without sending any notification, even the collection agent did not sent me any mail or any other notification about this collection, in other words, I do not even know I have this collection until yesterday I was going to query my credit report. No any mail before and after the provider sent this bill to the collection agent. 

Three things, 1 ) this was a surprise medical bill. 2 ) sent to collection agent without any notification. 3 ) doing medical collection during covid pandemic.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

I applied for an Apple Credit Card through Goldman Sachs and my application was denied because of my credit and things on my consumer report. I can not be denied because I am the one who is extending credit to them, not them extending credit to me, especially since I make more than enough money to get any credit card I want. Per to 42 USC 408 asking for my social security number on any credit transaction is unlawful because there is no lawful money, and thats a crime. Also, per 15 USC 1602 ( g ), me, the consumer, is the creditor. I feel like I have been discriminated against by this companys actions for applying for this credit card. It is against federal law to be discriminated against for a consumer credit transaction per 15 USC 1691 ( scope of prohibition ). As a federally protected consumer, my rights have been violated and if this matter is not fixed, I will pursue actions for monetary damages for having my rights violated.
Consumer complaint received 2022-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a HELOC for my home with Citizens Bank. Citizens Bank first advised me that the appraiser required a mold inspection report to be done as I had mold or mildew in one bathroom, and that I had to pay for it. At the same time as advising me of this mold inspection requirement, two Citizens staff advised me that requiring such an inspection is highly unusual, as most bathrooms with a shower have mold and mildew, so it was surprising the appraiser would stipulate this. Upon hearing this information, I contacted the appraiser at XXXX XXXX XXXX about this mold inspection requirement. The appraiser told me it was a " lie '', she is not a mold expert and made no such representations in her report, and she does not use any of the " jargon '' indicated on the appraisal report sent to me from Citizens. Further, I simply cleaned the mildew off my bathroom and sent the appraiser and Citizens Bank 's Loan Officer pictures showing it was all gone. The appraiser said she would contact Citizens and the Citizens Loan Officer told me she would contact her appraisal department. Citizens then changed their statement and said they required the appraiser to modify their report and indicate in that report that a mold inspection was necessary. At that time Citizens stated it is in their guidelines to require a mold inspection when mold is visible. Thereby Citizens reversed its earlier statements about how strange it was for their to be a mold inspection requirement and that that requirement came from the appraiser. It seems inappropriate for Citizens to dictate modifications to appraisals as well. Citizens has certainly been telling me inconsistent facts. I believe Citizens is engaging in unfair lending practices. I can not know whether the cause is my ethnicity or the diverse XXXX community in which I live, but they engage in arbitrary and inappropriate business practices. As the cost for a mold inspection report in XXXX is {$370.00} and up, such additional expense would effectively make the HELOC cost prohibitive and unattainable.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

My complaint is against Resurgent Receivables LLC AKA Resurgent Capital Services. They are in violation of 15 USC Code 1681a ( b ) which prohibits them from reporting a payment history on my consumer reports. I have copies of all 3 my consumer reports for the month of XXXX that shows they are reporting two XXXX as collection accounts, and are showing a payment history for those accounts. This is a violation of federal law. 

I addition to their violation of 15 USC Code 1681a ( b ), they are reporting inconsistent information on my consumer reports. On my XXXX report, they are reporting the loan type as a " Factoring Company ''. Whereas, on my XXXX and XXXX reports they are reporting the loan type as " Debt Buyer ''. The account types they are reporting are also inconsistent. Listed below are the inconsistent account types ; XXXX : Account Type - " Open Account '', XXXX : Account Type - " Debt Buyer '', XXXX : Account Type - " Other '' This is a clear violation of the FCRA which promotes the accuracy and fairness of consumer reporting. 

They have also failed to provide validation of the collection accounts they are reporting under my social security number. According to the FTC A PRINTOUT OF A CREDIT CARD STATEMENT DOES NOT CONSTITUTE VALIDATION OF THE DEBT! 

I have tried repeatedly to get them to resolve my dispute by removing the tradelines from my consumer reports, as of today XX/XX/22 they have failed to do so. The FCRA requires that they delete any incomplete, inaccurate, unverifiable information from my credit reports and they are refusing to do so. 

If they do not delete both of the inaccurate, unverifiable tradelines from my ALL of my consumer reports, I will be seeking all legal remedies allotted to me under federal and state law, up to and including {$1000.00} for EACH VIOLATION!