davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I paid a unsecured line of credit with XXXX XXXX XXXX XXXX XXXX regarding a settlement of debt on XX/XX/XXXX. I paid XXXX XXXX XXXX XXXX XXXX {$12000.00} in cash, as requested by XXXX supervisor XXXX. XXXX promised to send my payment information to the credit bureaus within XXXX business day after a cash payment to settle the account. It states in the second paragraph of my settlement letter that the credit bureaus would be notified within 60 days of the settlement of my account XXXX... 
My other three accounts for car loans reports monthly. With regards to account ending in XXXX, I understand that XXXX XXXX XXXX XXXX XXXX charged off my loan on XX/XX/XXXX with a one time release of information on this account, which lowered my credit score roughly XXXX points. I can not win back the hit to my credit score if the company continues to refuse to release my financial information to my credit score disadvantage. Below is XXXX XXXX Settlement letter to me .....
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (KS)

Today XX/XX/2020. I spoke with XXXX, I was told by the representative, that they DO NOT KNOW WHO XXXX. is and that as of XX/XX/2020, the debt still shows as owed and valid. XXXX still shows no record of the payment I paid XXXX on XX/XX/2020 nor do they show any correspondence on XX/XX/XXXX from XXXX. I am concerned that XXXX misrepresented themselves, and stole my money, Its very odd to me that XXXX the original creditor can not seem to locate the payment and doesn't know who this company XXXX is. 

AmSher has refused to talk to me, directing me to the XXXX XXXX XXXX   XXXX XXXX. I called them today as well, I was told by the representative that XXXX XXXX was not available and that the account still shows as in dispute.
Consumer complaint received 2021-04-26
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. (MI)

Fnbo is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports
Consumer complaint received 2017-08-11
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. (FL)

In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XX/XX/XXXX, and they have reported the debt again as a negative item this month, XX/XX/XXXX. I have n't had a XXXX XXXX account since XX/XX/XXXX. I have had no recent account with them. The balance that was owed from XX/XX/XXXX was included in my Ch. XXXX bankruptcy filed in XX/XX/XXXX. I suspect that what Diversified Consultants and XXXX XXXX XXXX ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been gathering information regarding the financial exploitation of my father with the assistance the branch manager at the XXXX Citizens Bank  location. He helped me pinpoint where my fathers money had gone. We discovered that my aunt had taken the money from his account. She did so by adding herself to his checking account ( XX/XX/2020 ) and creating her very own brand-new checking account and transferring the money to her name by way internal transfers and ATM withdraws and Debit Card purchases, liquidating my fathers account as he lay dying and XXXX  XXXX  in hospice care. By the time of his death ( XX/XX/2020 ), she had stolen approx.. {$13000.00} dollars from this dying man. The Bank states as per their policy, the only way to add a name to an excising account is to step foot into a branch. Which my father did not do and could not do. These transactions which are listed on the documents that i have attached, are fraudulent. The documents were not motorized nor were they signed on site as per their policy. I am the sole heir to the estate and my aunt says this in messages she had sent me before my fathers death. I have attached all of the documents including emails and letter between the involved parties, including a more in-depth description as to what took place. Citizens bank has ultimately responded saying they had not wrong doing in the matter. But without the unwitting complicity of the bank, none of the would have happened.
Consumer complaint received 2023-02-09
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. (NC)

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized any of these credit inquiries on my report.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (FL)

BVVA Compass bank was running a promotion that if you opened a checking account with direct deposit you would get a {$200.00} dollar deposit into your account some time in XXXX XXXX well because I was a member with a credit card account and already had online access I went online and opened a checking account and set up direct deposit. I later came to find out that because I failed to open the account on a specific web address with a specific code I did not qualify for the {$200.00} promotion amount. I am sure that I am not the only person that already had an ongoing relationship with BBVA that has also been denied the promo amount. The mailer ad made no clear difference to folks opening new checking accounts and people like myself that already had online accounts.
Consumer complaint received 2017-10-04
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: Experian Information Solutions Inc. (NC)

I disputed inaccurate information on my credit report with Experian. Experian responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at Experian regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). Experian never investigated so it 's clear they are willfully reporting false information on my report. Experian claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Professional Debt Mediation, Inc. (FL)

I am disputing the collection for professional depth collection agency in the amount of {$3500.00} to the original creditor XXXX XXXX apartment. Disconnection agency is violation on the fair credit report act. I provided 60 days notice to vacate the premises as indicated on the lease agreement. My lease expired and I moved to a different apartment. No money was owed, nor was final walk through provided. There was no damage to the property. Im also in the process of reporting XXXX XXXX apartment to HUD for charging me fees that I am not responsible for. According to fair Housing laws, they are in violation. Please remove and delete this collection from my Credit Report. The signature they provided is not signature. Ive never received any bill. I found out once I review my credit report.
Consumer complaint received 2019-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX  with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about 2-3 hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with XXXX XXXX. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already pissed this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX   and let them know he reached out to me so they can unsuspend his account. The rep with XXXX  even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has STILL not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.
Consumer complaint received 2020-10-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XX/XX/XXXXwith ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Consumer complaint received 2020-10-12
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: ERC (AL)

On XX/XX/2020, Enhanced Recovery Company added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Enhanced Recovery Company has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

Some time ago ( several months, I believe ) I began having daily phone calls on my cell phone. I did not recognize the phone number and therefore I did not answer, assuming it was robocalls/scam ( My # is on the Do Not Call list, but I often receive the calls and no longer answer. ) Finally, after months of daily calls, they left a voicemail claiming that they were with " Wakefield and Associates, attempting to collect a debt ''. I have excellent credit, I have nothing in collections and I do not even have a single late bill, so I knew this debt they were referring to was not mine. I am on a fixed income and my cell phone plan is very basic, with limited minutes and so I immediately wrote them a letter explaining all of this. I also told them not to call my phone anymore and I gave them my correct mailing address and said that if they insisted the debt was mine, to send the amount, original creditor and the date of service to my mailing address, but NOT to try to contact me by phone again. The letter was mailed XXXX17. I continued to receive phone calls every day, except on weekends. I have not received anything in the mail from them. I started keeping a log after I felt they had time to receive my letter. They have called : X/X/17, X/X/17, X/X/17, X/XX/17, X/XX/17. I realize it may take more time to receive a reply from them by mail, but they have had the letter long enough to stop calling my phone!
Consumer complaint received 2023-01-30
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: AMERICAN EXPRESS COMPANY (IL)

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX permission to furnish these accounts. American Express acct # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX I do not recognize the inquiries that appear on my credit report. I have requested XXXX to remove these inquiries several times and they have not.
Consumer complaint received 2018-09-20
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: ALLY FINANCIAL INC. (IL)

XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are Ally Financial, XXXX, XXXX XXXX and XXXX XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my XXXX report, I saw that a Banana Republic/synchrony card balance had been " charged '' off. I was not aware of this account. I do have a Banana Rebublic/synchrony credit card which I am aware of and pay off monthly. The details of the account in question ( the one I was unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from Banana Republic/Synchrony that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (PA)

The dates of this so called debt that I owe are wrong. It was an account that belonged to my ex husband and is not on his credit report either. The debt owed is over 7yrs old. I have disputed numerous times asking Meridian Financial to produce a signed contract by me stating that we have a contract and they can not produce one. This was removed from my credit report before and now put back on with a newer date!
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

I never received a letter informing me there was an account in this collection office ; therefore I was not given a fair chance to dispute this before it went on my credit. Since the account has been reported on my credit I have sent a letter requesting validation of debt with no response. I have disputed with the credit bureau. The companys response was this is valid but never sent me proof of debt or an explanation of how its valid. I then disputed with the CFPB and the company didnt respond until they were contacted a 2nd time by the CFPB. In there response they said they have never contacted me which means they never sent me a letter advising I had an account in there office which is required. I refuse to pay someone that can not provide proof of a debt after 4 outreaches. Not to mention this should not be on my credit since I never received written notice there was an account with this company.