davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

Asset Care LLC has placed several debts with XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00} and {$1400.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Consumer complaint received 2022-04-28
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: DISCOVER BANK (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for, + purpose.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (NC)

I have never been late on the following account and requested physical verification of late payments and never received this information. 

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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as first access stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in Colorado.. I live in California. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (GA)

i have informed all companies that I did not authorize any inquiries as well as disputed all unauthorized accounts. I was told they came back verified but when i ask how was it verified I was told I could not know that information. Even after I asked for copies they used to verify it knowing I was a victim of fraud
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NC)

XXXX XXXX is attempting to collect a debt that is not mine. Possibly fraudulent account I have disputed this debt which was never validated as per the guidelines of the FCRA and FDCPA. This account should not be reported until credible information is obtained such as a contract bearing my signature assuming debt, a itemized copy of the bill reflecting how the balance was calculated, and confirmation that this collection agency has bought the debt or was assigned the debt and have a legal right to collect it from me under my jurisdiction and statutory rights. Please help me resolve this matter quickly and efficiently before any further damages are obtained.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

AD ASTRA is falsely stating on my credit report that I have an open account with them after I stated that I do not and after I disputed the debt. They continue to call me and text me and ask me to respond, and when I tell them to stop calling they change their number and call me again from a different number.
Consumer complaint received 2021-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (TX)

An item was placed on my credit report that was fraudulent. I never received any communication from this agency or business and was not aware of it until my expecting fiance and I were denied housing, due to the damage on my credit. I have retained counsel and if the item isnt removed, pending further investigation, will be moving forward with a legal process.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I paid a a loan and two credit card payments on line with USAA. The next day XX/XX/XXXX I went online and saw where the payment for loan had posted but credit card payments had not. So I paid card payments again which resulted in an over-payment of {$4900.00}. I immediately started to try to get my money back. I have documentation where I requested the account be closed and my money refunded on XX/XX/XXXX I requested the money be refunded onXX/XX/XXXX via chat. I still havent received my money matter of fact they claim check was mailed but returned. I have been approved for a mortgage and need the money for closing costs so I am in a bit of a crunch and exceptionally irate. I had to pay them 15 to 25 % to use their money and they have kept mine a month and I have even paid to have it sent express 9 days ago.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? 
The letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX  XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IN)

RMP, LLC have a {$2000.00} collection debt on my credit report. They claim it is for an emergency physician service. However, I have never been seen by their physician. The hospital they claim the bill generated from has stated that I do not owe any money. The debt is fraudulent. Please ask them to remove it from my credit file with the 3 credit bureaus. Thanks.
Consumer complaint received 2017-12-22
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: CITIBANK, N.A. (NY)

I was reviewing my credit report today and noticed that I had three hard inquiries on my XXXX credit report in the year of XX/XX/XXXX. These 3 hard inquiries took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all made by CBNA. I only have one secured credit card and was applied for well before these dates. It is hard to believe I had two hard credit checks within two days and one in XXXX without my consent or knowledge. This blemish on my credit report has negatively impacted my credit score and my life.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (TX)

I have reached out to Experian on many occasions about XXXX XXXX I contacted them on XX/XX/XXXX and the were supposed to do an investigation and it took less then 7 days and they said the account was verified as correct. I also reached out to the company XXXX XXXX  on XX/XX/XXXX for proof bearing my signature and they could not send me over proof. I then reached back out to Experian showing that XXXX XXXXXXXX could not send me over proof, and they still did nothing but report it as correct. On XX/XX/XXXX I then reached back out to Experian and XXXX XXXX regarding this account again and Experian once again did an investigation stating the information is correct and enhanced recovery never reply to my letter.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has failed to abide by legal rights of consumers for fraudulent charges in the following ways:

"unauthorized charges. Federal law limits your responsibility for unauthorized charges to $XXXX;" - They charged me $XXXX for a fraudulent unauthorized charge.

"charges for goods and services you didn't accept or that weren't delivered as agreed;" - I did not accept the services and the the merchant attempted to deliver services that were substantially not as described and agreed.  The merchant also made false claims which American Express accepted without any evidence, proof or documentation.

"If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money." American Express has claimed I owe the full amount but they have not provided any written explanation or any documents proving I owe the money despite multiple requests.  I do not owe the money, I refused the services.

"If the creditor's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. "  No documentation has been provided despite multiple requests.  No reasonable explanation has provided regarding what I owe and why.  American Express has only repeated the false claims of the merchant stating that I was a "no show" rather than the truth that I refused the services.  There was no representative of the merchant on site that could attest to whether I showed up or not (I did).

"If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days a
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NC)

Ive called this company several times to settle this debt which doesnt belong to me and they continue to try to get more then 50 % of the balance. I have disputed this account several times with XXXX and they have yet to remove it. This is not my debt and I want it removed off my report.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC (CO)

I have never had a credit card, checking account or any kind of account before and I am receiving numerous letters from various different places. I can not open any account of any kind or cash any checks or write any checks I can not even cash in money orders that I have the receipt for which is odd and outright insulting I can not believe that I out of millions of people am unable to do so I feel like something should be done about this I don't know how I am supposed to make a living while not being able to do anything that anyone else is able to do it is not right and it is not ok
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (GA)

i have informed all companies that I did not authorize any inquiries as well as disputed all unauthorized accounts. I was told they came back verified but when i ask how was it verified I was told I could not know that information. Even after I asked for copies they used to verify it knowing I was a victim of fraud
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my Experian and XXXX Credit Reports.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Mount (NJ)

In XX/XX/2018, I entered into a contract with a company called Credit Mount to help repair my credit and increase my score. In the end what they did was damage my credit even more to the point of sending out fraudulent letter stating I am dispute the validity of all my accounts. This caused fraud alerts on everyone of my open accounts and also caused one account to be closed. 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts. 

I contacted a legal service who stated that it is illegal for a company to obtain a fee for credit services in the state of New York, prior to the services being completed. I paid them a total of {$1200.00}. I have requested a refund and the legal service has as well and they have ignored all requests. 

I believe that, Credit Mount has violated 15 U.S. Code 1679b.  Prohibited practices, and I am looking for action to be taken against them. They have caused irreparable damage to my credit and I also want a FULL refund!! 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts.
Consumer complaint received 2017-12-22
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: EQUIFAX, INC. (TX)

I have information on my credit report that keep reappearing after it has been disputed and deleted. The first collection has been deleted twice and re-added and is not mines. The XXXX accounts are not charge off and was deleted from my report six month ago. I have XXXX for all these debts. 

1. XXXX XXXX {$54.00} - Not my mines account was deleted twice from report and just re-added. 
2. XXXX {$51000.00} - Paid Off 3. XXXX XXXX - {$10000.00}, have XXXX should be deleted from report. 
4. XXXX XXXX - {$7600.00}, have XXXX should be deleted from report. 
5. XXXX XXXX - {$1500.00} - Not my mines account was deleted twice from report and just re-added. 
6. XXXX XXXX XXXX - {$3000.00} - Not my mines account was deleted twice from report and just re-added. 
7. XXXX XXXX XXXX - {$27000.00} - account paid off. 
8. XXXX - {$31000.00} - account is paid off and was showing paid off last month in good standing. 

10. An address I never lived at was added. XXXX XXXX XXXX XXXX XXXX. This is not mines.
Consumer complaint received 2020-10-26
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 have never been late on this account, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a equity loan with Bank Of America on XX/XX/2020 the loan was paid off with a check in the amount {$90000.00}. My balance was {$89000.00} after a payment of {$420.00} was paid on the XXXX of XXXX for XXXX payment. On the XXXX of XXXX {$470.00} was added to balance for early pay off. On the statement I received balance was {$89000.00}. No escrow. I tried several times, were to the bank three times was put off on when I would received the extra money or when I would get it. I was told on XX/XX/XXXX I would know how much and when. The difference is {$690.00} should receive but Saturday I got a check for {$120.00}. one month and four days after closing. I talked to the branch manager in XXXX XXXX 3 times, got same answer you will know something on the XXXX of XXXX. Nothing happen on the XXXX. I'm asking for {$690.00} plus interest. On the staement I received on XX/XX/XXXX there was a charge of {$430.00} stating mortgage payment so I paid twice in one month for a mortgage payment. I have all the documents to prove it.
Consumer complaint received 2018-02-27
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. (SC)

On XX/XX/2018 I filed a formal complaint with Equifax that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. Equifax simply responded by updating those accounts as verified and accurate and NEVER sent me this verified proof that I demanded. There is also a XXXXXXXX XXXX and XXXXXXXX XXXX inquiry on my report that doesn't belong to me.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (IL)

I have spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX  to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated