davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights in the following ways.

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 an account without my written instructions.
Consumer complaint received 2022-06-12
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. (AZ)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights.15U.S.C.1681 section 602 A. state I have the right to privacy. 15U.S.C 1681 section 604 A Section2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-16
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. (MN)

XXXX XXXX XXXX Talk to XXXX XXXX  about the debt i paid in full with XXXX XXXX XXXX  was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. 

I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX, XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (CA)

I have a mortgage account XXXX and a linked checking account XXXX with key bank. In the statement of checking account, it says we get monthly fee waive with mortgage account. But I got charge for monthly fee XXXX on XX/XX/2022. They refused to refund me and says I didn't set ACH correctly without telling me ahead of time at all. In addition, in the online portal no way to pay from other account besides transfer.
Consumer complaint received 2022-05-04
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. (IL)

I mailed a letter to Transunion XX/XX/2022. I Called everyday until they claimed they received my letter on XX/XX/XXXX. They advised me that they had 5 days to review information to see if a dispute is necessary. By XX/XX/XXXX all supporting documentation had been attached to my file and by XX/XX/XXXX they had concluded that this was verified but did not provide proof from who as I have asked and as I have provided a letter from the Bankruptcy Court and XXXX as well as my XXXX and XXXX public record portion. TransUnion has blatantly violated my rights by even concluded an identity theft dispute within 2 days. I ask that TransUnion provide proof of my signature, proof of any document attached to this Bankruptcy with my full social security number and/or signature. If they can not produce such proof I ask for this item to be deleted and not reinvestigated as they have already had time and failed to conduct a proper and fair investigation.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

The company continues to call and this was paid in full - The doctor 's office neglected to file the claim appropriately as they filed it under the wrong patient name thus my insurance declined the claim. I have talked with the insurance company and they paid the claim and the doctor 's office cashed their check in XX/XX/2018. The collection agency will not remove off my report. This should never had made it on my report.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (PA)

A debt validation letter was sent the company. The company was given 14 days to respond as of XX/XX/2022 company has not responded. It is going on 30 days and the company is refusing to provide validation for this debt. This is the XXXX notice asking the company to validate. A complaint has been filed with XXXX for mail fraud and the Attorney general for fraud as well. They're in violation FDCPA.
Consumer complaint received 2019-08-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

On XX/XX/2019, I submitted a request via USPS mail to Equifax for further information about 2 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 2 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Equifax contacted the source. I also requested to see the original contract or service agreement.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I make my credit card payment early every month, and half of the time they reject the payment and the other half they don't - using the same exact bank information. I pay tons of other bills the same way and none of them get rejected. The account has money in it and all information is accurate. 

I've called to ask them why they're rejecting my payment and they say they don't know and that it's my bank account 's issue. I've called the bank account ( XXXX ) and they said it is the credit card I believe they're " rejecting '' my payment so that I wind up late on my payment and therefore subject to late interest and other penalties, even though I pay early every month. They don't tell me the payment has been rejected until 2-3 weeks later after it's already late. 

The credit card company that I am writing to complain about is Synchrony Financial. They are also impossible to get on the phone and provide as little information as possible.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (PA)

I have disputed these accounts multiple times and I still have received nothing at all from Simons Inc. They are required by the laws, FDCPA and FCRA, to provide me with proper notifications and disclosures which I have never received. They have violated the laws that govern them, you are the proper arbiter. PLEASE HELP ME!
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (MI)

I noticed this company XXXX/Pinnacle LLC on my credit report stating I owe {$1900.00}. I sent them certified letters requesting validation made pursuant to the Fair Debt Collection Practices Act & Fair Credit Reporting Act along with validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX I received a letter from this company stating they have initiated a review of the inquiry. On XX/XX/XXXX I received another letter which they sent an account summary which according to the FTC an itemized printout does not represent verification. On XX/XX/XXXX another letter from this company stating the information provided along with their review of the account is insufficient to support their claim
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

On XX/XX/XXXX my mortgage was transferred from XXXX XXXX  to Gregory Funding. I was in the middle of a loan modification - and was assured that Gregory Funding would honor the terms of my loan modification with XXXX XXXX. 

I have tried on 6 occasions since XX/XX/XXXX to have my loan terms correctly applied with Gregory Funding and have been given excuses as to they need more time to setup my account and or they dont have the loan modification agreement. I have sent them the loan modification agreement via fax that Gregory Funding provided on XX/XX/XXXX, emailed after getting no response on XX/XX/XXXX, and then uploaded to their website on XX/XX/XXXX. Not to mention that every call takes a minimum of 20 minutes on hold before you speak with anyone! 

All I want is for Gregory Funding to accept the terms of my loan modification, which they must legally honor in accepting the transfer of my account from XXXX XXXX. I have placed XX/XX/XXXX payment in escrow as they have refused to accept the funds and will do the same for XX/XX/XXXX if this is not resolved quickly.
Consumer complaint received 2018-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCI Financial, Inc (NV)

In XX/XX/2018 I was a victim of Identity theft, someone was using my Identity to open up accounts, and get loans. I found out when I pulled my credit report, because I was looking to purchase. I was shock to see that there were many accounts I did not open. I contacted the police department, and filed a report, as well as filed a Identity theft report. I then spoke to all three credit companys, and requested reports from every credit company. I seen that somone was using my Identity with a different driver license, to open accounts through XXXX XXXX XXXX, and many other banks for lines of credit. Then I got a letter from some online payday place called XXXX XXXX, about a loan that was made for the amount of XXXX to the fraud account with XXXX XXXX XXXX. I do not have account with XXXX XXXX XXXX, and or a loan with this company. I spoke with XXXX XXXX XXXX and they alerted the account as fraud. I spoke to XXXX XXXX boy was that a mistake rude did not care lied was on the phone for two hours, was told that if I payed XXXX hafe of the fraud loan that was obtain with this fraud XXXX XXXX XXXX that they would not report me to collections, and all the credit companys, and XXXX. No heart they did not beilve me even after I told them I have proof.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (OH)

XX/XX/XXXX18 title loan taken out. person had XXXX XXXX and was under the influence of XXXX XXXX XXXX with no memory of this day! {$500.00} loan at 416 % with repayment of {$2600.00}!! How is this legal?? 
we went into XXXX XXXX to renegotiate terms and they didn't care! Said person was fine when they came in! well doctor and warnings on med bottle say otherwise!
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a letter of denial from XXXX for a XXXX XXXX credit card, based on information supplied by Trans Union. They stated my application was denied because Trans Union reported there were " too few accounts with sufficient satisfactory performance '' and " insufficient number of credit cards on your credit report ''. 
I went on line, as directed, and could not get a credit report from Trans Union, I did get them from the other two companies. I then called Trans Union and the first representative could not assist me and I was transferred to XXXX, a supervisor, and she could not explain why my information with Trans Union was different from the other two companies. I asked why Trans Union could damage my credit rating while the other two credit reporting companies gave me a much higher credit rating and she could not answer the question.
Consumer complaint received 2022-06-12
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 : 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 602A. 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 2018-10-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC (TN)

Hello, I have a defaulted payday loan with Mobiloans. It was eventually taken over by XXXX XXXX aka XXXX XXXX. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,
Consumer complaint received 2018-04-16
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. (LA)

On XX/XX/2017 I submitted disputes on the item below. To this date, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX {$510.00} XXXX {$590.00} XXXX XXXX XXXX {$6800.00} Equifax is in violation of the FCRA regulation below : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (NV)

Not only was I never given the chance to dispute the debt before it went on my credit report but the information they have now provided is insufficient. 

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-05-04
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. (MD)

XXXX  Potentially negative Date opened XX/XX/XXXX Balance. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXX & CO XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third bank is showing a late payment on my report. Late payment occurred due to their payment site being down and I was out of the country for 2 months. Upon returning I was told they remove that late payment from my account since it was due to a technical error on their part, however, they are now refusing to update my credit report and remove the late payment. 

They are also showing a balance of {$56.00} which is incorrect as there is a {$0.00} balance on this account.
Consumer complaint received 2024-02-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Despite providing valid documentation and receiving bank confirmation for immediate removal, the fraudulent account XXXX XXXX XXXX  XXXX persists on my credit report. Immediate removal is essential to comply with legal obligations and maintain report accuracy.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I opened a Platinum checking account with Citizens Bank online by clicking the " Open Account '' button on a page that promised a {$400.00} bonus after a direct deposit of {$1000.00} or more within sixty days of account opening. I opened the account on XX/XX/2018, and a direct deposit of {$1000.00} posted on XX/XX/XXXX. The terms and conditions stated that the bonus would be paid within 90 days of the direct deposit. I called 90 days after the deposit and spoke to a customer service representative and forwarded her the screenshot of the bonus terms and conditions as requested. Her manager XXXX called me back a week later and stated that the bank would not be able to honor the {$400.00} bonus because a promo code was not attached to my Platinum checking account.