davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Management Solutions, LLC (MD)

I was called by FMS Financial Solutions on XX/XX/2023 in an attempt to collect a debt. The representative asked me about a letter they sent that I never received. Upon letting her know this, she told me that they would be turning the debt over to an attorney and that a judgement would be entered against me. I explained that I was unemployed and the representative insisted that I make a payment of a XXXX XXXX XXXX to prove that I have good intentions. Again, I explained that I was unemployed and the representative said I needed to call family members and friends and borrow the money. I repeatedly told the representative that I was unable to pay the debt, and still, she insisted that I pay it today. She went on to ask me personal questions about if I had a husband or boyfriend who was working and could pay the debt. She asked me where I was staying and how I was currently supporting myself over and over after I already told her I was unable to pay the debt.
Consumer complaint received 2023-02-10
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OH)

I do know who this bank is aes/XXXX, I have never received an bill from them, I have never received a call from them, before you start reporting anything negative on one credit report, they must receive a bill and I have never received a bill from these guys. they are reporting me 60 days late on my credit report, who does this? this has caused my credit score to go down -135. also I was enrolled in school 2018 at ohio XXXX school full time and just graduated XX/XX/2018. when you are enrolled in school full time, loans to my understanding goes into some type of deferrement ...
Consumer complaint received 2022-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX a hard inquiry was added to my XXXX credit report. This inquiry came from Bank of America this was done without my permission I immediately called Bank of America and I have yet to hear back from them or receive a letter from them regarding this matter. Bank of America wasnt authorized to pull my credit when I called on XX/XX/XXXX I was told that they found a application I told them that it wasnt mines I hadnt applied for anything as a matter of fact I had just paid my BofA credit card off. I was told I would receive a call and a letter well I havent and this hard inquiry remains on my credit report almost a month later. This hard inquiry lowered my credit score
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (CA)

This is a formal complaint against BBVA Compass. I explained to BBVA Compass that I was a victim of fraud and the late payments that they continued to report on my credit report was not accurate and is a direct result from this fraud. BBVA has violated the FDCPA and the FCRA of reporting, they never contacted the credit bureau about this matter but yet continued to report this miss leading information. I explained to BBVA Compass the entire situation that when I purchase my XXXX XXXX from XXXX XXXX XXXX XXXX XXXX I signed a contract which we had agreed I was giving my XXXX XXXX   as a trade in. The dealer was going to take care of paying off the truck. I express to them that the payment was already due in a few days. They said to give a larger cash down payment and they will take care of paying off the truck. I received a call from the bank that my truck was financed through ( BBVA ) telling me about a missed payment. I started calling the dealer, the salesman that helped me and the finance manager were no longer working there. The receptionist that helped me said the dealership was under new management. This is only a few days after I called almost everyday trying to get a solution. I spoke to the new supervisor and he said he had no idea what happen to all the new contracts or actual truck. Time was passing by and the bank was calling me everyday and my credit was being ruined. My father and I went up to the dealership and was about to call the police and file a report about the truck I traded in being stolen since no one had any idea what happen to the contract or were the truck was located. After days and hours of trying to get this matter resolved the a new financial assistant got in contact with the proper people and a view weeks later the bank sent me a letter stating that the check was sent and the truck was paid off. But now my credit is showing missed payments that was not my fault. I have all the paper work and contracts I signed with XXXX XXXX that proves that they agreed to pay off the loan that same day. I will be glade to send BBVA this information as well.
Consumer complaint received 2022-09-02
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-08
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: BMO Bank, N.A. (NC)

XXXX XXXX XXXX XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization XXXX that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-09-02
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my experian credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my XXXX shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my XXXX  report showed a late payment on XXXX of XXXX. 

I have the same situation on my experian report with XXXX Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my XXXX report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Consumer complaint received 2019-01-31
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. (GA)

I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my XXXX shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my XXXX report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Consumer complaint received 2022-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (MI)

If the account was charged-off XX/XX/XXXX at an alleged one-hundred twenty days past-due, why is there an alleged past-due amount of XXXX dollars out of a total balance of XXXX as of XXXX XX/XX/XXXX? It would appear American Express is billing me as though monthly charges and future payments are required on my account. It would appear they are additionally supplying informatoin regarding monthly payment history for the account that is inaccurate/unverifiable because even if I were to PAY the allaged outsanding amount of XXXX, dollars, American Express has already made clear " they are no longer providing statements because the account is charged-off. '' Jackson v. Experian Information Systems LLC, No. 18-CV-271, 2019 WL 179570 ( M.D. Ga. XXXX XXXX XXXX ) ] made clear that a firm can not provide information to the CRAs that would be misleading if/when another potential creditor reviews my credit file. The advancement of payment delinquency by 30 days past-due, ie { 30, 60, 90 120, ..., N } implies that future monthly payments continue to exist for an allegedly charged-off account. It would appear to me that American Express is in violation of the portion of the FCRA applicable to persons who furnish credit information to credit reporting agencies, 15 U.S.C. 1681s-2 ( b ).
Consumer complaint received 2019-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I submitted a payment on XX/XX/XXXX to the mortgage company, but the payment was never pulled from my bank account. We called the mortgage company numerous times regarding the fact that the money had not been removed from our accounts. Once when we called a representative placed us on hold for over a hour until the office closed and then a recording told us to call back during normal business hours. We called back the following week and spoke to a representative who was very rude and said we had never made our XXXX payment. The representative continued to rudely state that they are aware of everything we do and that we had never even made an attempted to make a XXXX payment. We then attempted to resolve the issue with the representative who continued to rudely state that it was our bank withholding the funds. We spoke to our bank in which they informed us that they would not withhold funds without notifying us first, and that the issue was on the mortgage providers side. We called the mortgage company back trying to resolve the issue, but they had already placed a mark on our credit and said nothing could be done to resolve it. We then made another payment for XXXX on XX/XX/XXXX of {$930.00} plus {$48.00} in late fees bringing the total amount to {$990.00}. The funds were then removed shortly after on XX/XX/XXXX, which was quicker then normal. We assumed the funds were removed quicker due to the fact we have also been speaking to our mortgage officer many times over this incident. This isn't the first time this has happened. Since we bought our house in 2017 we have had an issue almost every month with the mortgage company. Usually they work with us stating that their website hadn't been working properly, or there was another issue on their end. We have also had problems with this company not removing the funds for two to  three weeks after a payment is made. When they would remove the payment they would also then pull a late fee out even if the payment was made on time. We have been doing everything on our end to resolve this issue including talking to our bank and mortgage officer many times. We believe the issue is on the mortgage company side, but they seem to resist taking the blame and are quick to blame us. We have been tirelessly trying to resolve these issues and wish the mark against our credit would be removed due to the fact the error is not on us.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

As stated before about my identity theft that took place in XX/XX/XXXX. There still remains one account in question of its validation. I would like to see an original hand-written signature and the original contract within 30 days of this request according to my rights shown in section 609 of the Fair Credit Reporting Act. 
Please send me copy of my authentic signature and the original account contract for this account ( circled in attached credit report ) : XXXX XXXX ... Act. # XXXX If an original signature and original contract can not be shown I'd request this account to be deleted as well. 


So far only XXXX XXXX XXXX- ( Act. # XXXX ) was able to validate themselves as a valid creditor with my original signature and original contract information. 

thank you for all that you do, XXXX XXXX XXXX this below was the original dispute I had sent you : " As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my original filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX  Credit Union Report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request. ''