davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

FOR THE PAST SEVERAL WEEKS, EXPERIAN HAS DISALLOWED ME ACCESS TO MY CONSUMER PROFILE FOR DISPUTING INACCURACIES AND MISINFORMATION WHICH IS RESULTING IN DENIAL AND USE OF THE ACCOUNT. WE ARE BEING FORCED TO UTILIZE THE CFPB PORTAL FOR REPORTING ALL INACCURACIES. CFRA VIOLATIONS, CONTINUED ABUSIVE PRACTICES. CONTINUED ERROR MESSAGES REGARDLESS OF THE DAY AND TIME.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (SC)

Rent Recovery Solutions are working on behalf of XXXX XXXX apartments located in XXXX SC. The apartment complex employees entered the apartment illegally and before an eviction was issued, while also stealing XXXX of dollars worth of personal items. Including titles to vehicles. They used a cleaning company named XXXXXXXX XXXX XXXX XXXX. Quite fitting actually. We came home to a ransacked apartment and did not receive an eviction noticed until 5 days later. The amounts being asked for are far off from what was owed. Roughly about {$1600.00} vs what they claim to be almost {$4000.00}. The apartment complex goes through management employees like no ones business, and this isnt the first time this has happened, just take a look at the XXXX reviews. Trash always over flowing, sketchy water systems, and infested with bugs and fleas.
Consumer complaint received 2024-02-16
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 have would like to bring to your attention A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for Amex Everyday card after seeing their advertisement for XXXX fees balance transfer from any credit card. I applied for their card and was approved successfully. 

I carry certain balance in my other credit card issued by XXXX XXXX XXXX ( XXXX ). I have been using this credit card for the past 3+ years. For the past one week, I was attempting to transfer balance from this credit card to my Amex Everyday card using my online Amex account. However, I received a message that card number is not valid. Hence I contacted the customer service on several occasions to do the balance transfer. I spoke to almost four or five different people including one personnel from Balance transfer department. Everyone gave me the response that the card number is not valid. They questioned if my card number belongs to a debit account or loan account or if my card is under my name or if the card issuer is based in US. I clearly explained that card is indeed issued by XXXX XXXX XXXX XXXX based in MA, USA. Also, card is under my name and it is a credit card. I even asked the Amex customer service to validate the statement by calling the XXXX bank. But Amex responds with the same response that card is not eligible for transfer. Personnel from the Balance Transfer department confirmed that XXXX credit card should be eligible for balance transfer, and asked me to proceed with the transfer process by contacting the customer service department. However, customer service department is not able to process my request. Also, they are not willing to offer me an alternative to the internal problem that Amex faces. Amex is not sticking to the commitment that they offered before I signed up for the card. Amex did not mention that I can not transfer balances from credit cards that have been issued by XXXX XXXX XXXX, before I signed up for Amex Everyday card. Also, there are no personnel available with the Amex who can intervene in this and make decisions. Customer service people don't offer me the option to talk to their superiors or any other managers who has some decision making authority.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

AMERICOLLECT INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND AMERICOLLECT INC IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. AMERICOLLECT INC is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

I filed a dispute with NetSpend soon after no less than 5 minutes the closed my account they lied and said they couldn't give provisional credit becaude it was too late but end up giving it to me without my knowledge so today I get a letter saying one my disputed were valid but they put it back on my account which was closed the same day I made the dispute charged me XXXX after I they closed my account I never used any of the money on cards because they closed my account I asked what happened to the dispute money to which the response I owe XXXX dollars they are lying and trying to chest me out my money
Consumer complaint received 2022-05-16
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

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  has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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, any 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 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (FL)

I have had XXXX XXXX XXXX from XXXX To which I was XXXX  for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Consumer complaint received 2019-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (CA)

I have been trying to get this resolved since I noticed it on my report once I opened escrow. This debt was a result of a furniture store delivering the wrong and broken Item to me, I did not allow them to leave the item and they are still charging me for the item. The furniture store also claimed the full {$1500.00} I was approved for but I only ordered a {$700.00} item that of the {$1500.00} and once it got to me it was damaged thats why I never took possession of the item. Now Duvera has derogatory charges to my report in the amount of {$3500.00} being reported negatively since XX/XX/2018 to current.
Consumer complaint received 2022-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX- XX/XX/XXXX I was in COVID forbearance with my mortgage. 

After that ended Freedom Mortgage created a loan modification that made my monthly payments go UP. I told them repeatedly that this would be extremely difficult to pay given my financial circumstances as a XXXX mother of XXXX. They did not care and said I had to do the loan or sell my house. During this process they sent me at least 10 different versions of the paperwork because there were errors on them. XXXX. XXXX dated XX/XX/XXXX stating I needed to apply for a loan modification by XX/XX/XXXX and that a foreclosure sale is scheduled for XX/XX/XXXX! 

I have very LOW confidence my modification was done properly given all of these errors and oversights. 

I also discovered there was a XXXX XXXX to help homeowners in this situation and applied but since I already started the loan modification process with FM I was denied. 

I called FM several times trying to work something out and found out I could have done a 40 year mortgage but that was never offered to me either. 

I am now a month behind and racking up late charges because my loan is no longer affordable as I suspected in XXXX. 

They also incorrectly reported my forbearance to the credit bureaus which had a negative impact on my credit.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery continues to harass me on XX/XX/2022 I sent portfolio recovery and email to their customer service to cease and desist and to stop all communication with me and to remove that because I refuse to pay it because I do not believe it's not XX/XX/2022 I received a letter in the mail along with receipts stating that I owe portfolio recovery {$410.00} it does not State exactly what the charges are for I have no idea they continue to harass me after I told them to see all communication Also the address on the statement and the address that's on the letter to not match
Consumer complaint received 2021-10-29
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: Bread Financial Holdings, Inc. (OH)

I have file 4 times with the CFPB and the FTC over this account COMENITYBANK/VCTRSSEC # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.
Consumer complaint received 2021-10-29
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 a account without my written instructions.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated. 
**Update XXXX I was refunded the {$90.00}, however I was charged ANOTHER interest charge of {$2.00}. On top of that, this company has still not applied the payment I previously paid to the payment plan which was to be paid off in XXXX. I have asked them multiple times now to apply payments to that plan specifically to pay it off.
Consumer complaint received 2021-10-27
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: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX is reporting inaccurate information on my credit report and I have made multiple attempts to speak to them in order to correct the issue. They are reporting a debt of {$1300.00}, when in reality the payment for this account was made on XX/XX/2020. 
Please see the attached check which was clearly cashed by XXXX. They are claiming that there were 2 national grid accounts but thats absolutely NOT TRUE. Please see the attached check and mark this acount as paid. WE reached a settlement deal and 50 % of the debt was accepted. This account was settled.
Consumer complaint received 2023-10-02
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. (CA)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (NC)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$52.00} XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXXXXXX Balance : {$830.00} ; XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$59.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$90.00} ; ( Original XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (TX)

I have allot of collections In my credit report through XXXX  and XXXX. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to XXXX  with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

Big issues with Comenity Bank. 
I recently Received a hard credit pull to purchase a home and was informed that my Excellent credit has been dropping because of Several unpaid payments to an old Credit card I have not used in almost 5 months. When Looking into the XXXX XXXX Credit card issue I discovered that After I had paid off the card in full on XX/XX/21 for the full amount of {$220.00} XXXX placed the card away in my safe hand have not used it. After paying off the card in full, Comenity Bank then added on an unknown Financial charge fee of {$4.00} a week later, because they added on a balance they then proceeded to add on Late fees and minimum interest charges without contacting me directly for the next several months. Months later on XX/XX/21 I finally received an email showing a new balance of {$22.00} on my card and my credit score had dropped due to the companies sketchy business practices. I have Statements showing the card was paid in full and And after contacting the number on the card [ XXXX ] and asking for the card to be closed I had to call XXXX times before a woman by the name of XXXX, badge XXXX finally was able to actualy close my card. Now my near-perfect credit score is damaged by this company, and I was charged a fee of {$4.00} just to close the card The bank website of : https : /XXXX
Consumer complaint received 2019-11-19
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. (TN)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX TransUnion Consumer Solutions Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 18 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and their dates are attached to this letter as-well as proof of my address, along with my social security card, and my drivers license. 

XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXXXXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX/XXXX  Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX/XXXX-XXXX  Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (MD)

In accordance to 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.