davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (GA)

In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from Early Warning Services within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in early Warning Services. XXXX XXXX failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX XXXX XXXX XXXX XXXX  for a Checking and Savings account and both denied me due to the negative reporting on Early Warning Services due to the erroneous information furnished by XXXX XXXX. 


Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXXXXXX XXXX 


Due to being denied, I am missing out on the new account promotions for {$200.00} that Bank XXXX XXXX offers and the that XXXX offers. 


I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from Early Warning Services within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX XXXX XXXX  to open up an XXXX XXXX Banking Checking and Advantage Savings Account for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.
Consumer complaint received 2023-04-10
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Executive Credit Management, Inc (PA)

Spoken with XXXX from Executive Credit Management. Requested physical signature verification for a hard inquiry on credit report. XXXX replied, " information is shredded once denied ''. Informed XXXX, " resided at another resident ''. XXXX became hostile and stated information was shredded. Requesting a physical signature for verification.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc. ()

XX/XX/year> : I initiated a domestic wire transfer of {$17000.00} from XXXX XXXX to my USD bank account on Revolut ( Virtual Bank ) which uses the XXXX XXXX XXXX. 

XX/XX/year> : Same day I received a confirmation that wire transfer is complete ( Reference number : XXXX ). 

XX/XX/year> : Transfer hasn't cleared my account. I reached out to a representative in XXXX XXXX asking them to provide a confirmation document. 

XX/XX/year> : After a second reminder I sent, I received the XXXX document with the relevant information. 

XX/XX/year> : I sent the XXXX to the receiving bank ( Revolut ) who responded with a Missing Inbound Transfer ( XXXX ) document. 

XX/XX/year> : I sent the XXXX document to XXXX XXXX on their online platform and called the support helpdesk asking about the transfer. They responded that the transfer is held at an intermediary bank for compliance. 

XX/XX/year> : I sent to XXXX to file an official compliant that they're using subpar intermediary banks for processing the wire transfers that hold the transfers for no obvious reasons. 

This is the second time this has happened, the first time I made an international wire transfer to the same bank, it was held for compliance for 33 days until it was returned back to sender with a deduction of {$50.00} ( Sent on XX/XX/year> returned to sender on XX/XX/year> ). The intermediary bank holding the transfer was XXXX, which is used by XXXX for processing the wire transfers. 

I believe it's being held for compliance because my name is XXXX which is clearly a XXXX discrimination act!
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently discovered that Transunion re-inserted a previous deleted account XXXX XXXX XXXX account # XXXX into my consumer report without my consent. According to the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( B ) ( ii ) Transunion didnt notify me within 5 business days regarding this re-insertion.

I am extremely disappointed by this action, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ) which clearly states that inaccurate or unverifiable information must be removed from credit reports. In my case, the account in question was deleted because they were found to be inaccurate and unverifiable. Therefore, their re-insertion is not only incorrect but also illegal. I have been working diligently to improve my credit score and this unwarranted action by Transunion has set me back significantly. I expect that you will take immediate action to correct this mistake and ensure that my credit report accurately reflects my credit history. Failure to do so will result in legal action being taken against the credit bureau.

I request that Transunion provide me with a written explanation for the re-insertion of the previously deleted account and a written confirmation that it has been removed from my credit report.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMA Advisors, LLC. (VA)

Incorrect reporting on all three credit bureaus. Creditor, HomeBridge mortgage reporting a 30 day late XXXX of 2018, this is incorrect. Sending a copy of the mortgage statement. I have been working with a credit repair company for two months with this problem, it still exists on all three credit reports. 

This incorrect reporting is stopping me from a refinance of my present mortgage.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation (TX)

I noticed an invalid negative entry on my credit report from XXXX XXXX ( XXXX XXXX ) for a delinquency/charge off collection for a medical bill in the amount of {$270.00} from 3 years and 3 months ago ( XXXX ). 

The original creditors name was allegedly XXXX XXXX XXXX XXXX, whom initially reported an amount of {$170.00} that I was supposed to had owed. 

I heard of, never visited this so called laboratory, never used their medical services and never even been to any laboratory or hospital by this name.

Basically, my information was fraudulently used by someone to retain medical services in my name. I am 100 % sure and confident that this medical creditor doesn't have my any copies of my actual ID, or correct signatures on any of their documents or invoices that they supposingly have in my name. 

I tried to file a dispute with XXXX XXXX for this negative and invalid entry back in XX/XX/XXXXbut I never received a follow up or noticed any action was taken.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023 XXXX XXXX XXXX Bank account ending in XXXX was requested to be removed from my personal credit report by XXXX XXXX XXXXXXXX XXXX. Please reference the attached document from XXXX XXXX XXXXXXXX XXXX dated XX/XX/2023 which states the following " we have sent an update to the credit reporting agencies to remove the business credit card tradeline from your credit report as of XX/XX/2023. '' This has taken longer than 30 days to resolve, and the credit bureaus investigation did not resolve the issue.
Consumer complaint received 2019-04-11
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. (GA)

I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public  records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

Base on your last reply, you sent breakdown of debt/charges. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my SIGNATURE from T-Mobile. A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (AR)

Wakefield and Associates was notified by me, via letter, on XX/XX/2019, that they were illegally and improperly reporting negative information to my credit reports and robo calling my cell phone without my express permission ( numerous messages saved ). 

I gave them until XX/XX/2019 to remove the accounts and cease contact or I would file a federal lawsuit. 

I even included my PACER profile sowing I am a Plaintiff in six federal consumer protection cases. 

Wakefiled and Associates ignored my warning and are still reporting, in a negative manner, five accounts that are incorrect. 

I have drafted and am filing my federal Complaint, which I will forward to your agency in a few days. 

I understand that I will be pursing the private right of action section of the FCRA and the FDCPA and that your agency can not assist. 

I am asking your agency to please take the Administrative Proceeding actions that you have congressional authority to prosecute and which I don't have standing to prosecute. 

Thank You for your assistance, and as I have done in the past, I will forward a copy of the Complaint to supplement this Complaint, once my Complaint is assigned and has a docketing number. 

If you need recordings of the TCPA violation messages prior to this, please contact me directly. I have them saved to a separate drive and can forward/upload. 

Thank You!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (NJ)

I notified the customer XXXX, they are furnishing Inaccurate information on my profile. 
Without permissible purpose, And it is hurting my credit. Under 15 usc 1681b ( a ) 3 ( f ) ( i )
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

I filed bankruptcy XXXX  XXXX in XXXX and it was discharged. I received a student loan from XXXX XXXX XXXX in XXXX ( now debtor is AES ) for {$10000.00}. It was paid directly to me and exceeded the cost of tuition and expenses. I was a single mother attended XXXX school full time. I have paid on this loan for at least 10 years and I have paid {$25000.00} + yet still owe {$18000.00} +. I believe it was 1. A predatory loan and 2. It should be discharged under the XXXX  XXXX bankruptcy that I filed and the judge granted. I tried to tell them but they said it didnt qualify to be discharged. I have XXXX children, I cant afford to keep paying this bill that seems like it will never be paid.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (GA)

My mortgage loan was bought and sold several times within the first year of my family owning our home. This is a secondary mortgage loan. 
In XXXX, I made a payment to my previous lender based on an ACH already setup, not knowing the loan was bought by a new lender. After realizing the buyout had taken place, I checked the new lender site on XX/XX/XXXX to make a payment. I made two payments of {$48.00} ( {$96.00} total ) thinking I was making payment for XXXX and XXXX. The loan was bought out XX/XX/XXXX. I thought it started XX/XX/XXXX. 
I was never notified of a late payment in XXXX, because apparently I was only making a payment for XXXX and XXXX. I never received a phone call, email, or a letter in the mail notifying of the late notice. I now have a 30+ late notice on my credit for XX/XX/2019 for a {$50.00} secondary loan payment I was never notified about. We are in the process of re-financing our home to payoff this secondary mortgage that has been bought and sold multiple times of the last year causing a lot of confusion.
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KS)

Thank you for your recent contact dated : XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I received a letter in the mail dated : XX/XX/2022 from a collection agency. The ageny 's name is Credit Collection Services. They are attempting to collect a debt for an XXXX XXXX XXXX XXXX XXXX. I have NEVER had XXXX XXXX. I have NEVER received a bill for mobile services from XXXX. I have XXXXXXXX XXXX XXXX were are paid on time monthly as an automated withdraw from my account. I called the collection agency they wanted personal information that I did not feel comfortable giving. I explained that I had never had an account with XXXX and XXXX also confirmed this. They continued to ignore this and told me that they needed personal information to access the account and remove the debt.
Consumer complaint received 2019-05-24
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: Upgrade, Inc. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XX/XX/XXXX 1. XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-05-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX