davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I notified IC Systems , Inc. in writing on XX/XX/XXXX that the amount of {$96.00} they were attempting to collect from me on behalf of XXXX XXXX XXXX was an erroneous charge. I sent them proof of mailing that the XXXX equipment was returned as required via XXXX on XX/XX/XXXX. The receipt documented the serial numbers of the equipment I returned. 

Despite this, I continue to receive harassing phone calls, first from XXXX XXXX XXXX in XXXX and now from IC Systems demanding payment. My efforts to resolve this dispute directly with XXXX XXXX XXXX were unsuccessful. XXXX said they would only correct it if I agreed to resubscribe to their cable service, which I refused. 

IC Systems submitted a derogatory report to the three credit reporting companies : XXXX, XXXX, and XXXX, on XX/XX/XXXX and XX/XX/XXXX resulting in damage to my otherwise excellent credit rating.
Consumer complaint received 2022-06-17
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. (CA)

I ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I requested a loan from my XXXX account at XXXX XXXX XXXX to be put in my checking account at USAA Federal Savings Bank. The loan was approved on XX/XX/XXXX and the funds were wired to USAA on XX/XX/XXXX according to XXXX XXXX XXXX. USAA is stating that they did not receive the funding. I found out that XXXX missed a digit on my checking account number therefore they provided a letter of indemnity to USAA. I have had several 3-way calls with USAA and XXXX via a 3-way conference on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today XXXX ) and I keep getting told that it is now at the back office and they will call me back. I am now on my 5th attempt for them to call me back and I call them back. Now I am told that I am paying on a {$9900.00} loan that I never received and there is no sign of either institution correcting it. Please assist.
Consumer complaint received 2022-06-17
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX , Account # XXXX has violated my rights. 

15 US 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 2022-06-17
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX , Account # XXXX has violated my rights. 

15 US 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 2022-06-17
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. (CA)

I ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

IM UNAWARE OF THIS DEBT AND DID NOT RECIEVE PROPER NOTIFICATION.IF YOU BELIEVE YOU HAVE SUPPLIED ME WITH THE PROPER NOTIFICATION, PLEASE PROVIDE ME WITH THE CERTIFIED MAIL RECEIPT WITH MNY SIGNATURE THANKS, CREDIT COLLECTION SERV ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal complaint that the company XXXX XXXX XXXX and TRANSUION are reporting misleading, fraudulent, and unverifiable information on my credit report. The account that is being reported is from XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$1400.00}. The account number is XXXX. First, I did not receive any documentation from any one of these companies to validate that I am responsible for this debt or that they intend on seeking collection. I just woke up one day and this account popped up on my credit. Secondly, I have disputed this debt in the past because the account is fraudulent. The result of me disputing this account in the past, was that the account was deleted because someone used my information in the emergency room. I am a victim of identity theft and I have made multiple police reports, FTC reports, and disputes. I have also locked my credit report with all three bureaus. I called the debt collection company about this debt to tell them that this account is fraudulent. The manager " XXXX '' was very rude to me and told me there was nothing he can do. Why is there an old account from 2017 being rereported that was already removed due to fraud? I am requesting that all of the companies I am making my dispute against delete this account from my credit report, delete my information from there systems and do not sell my information to any other debt collector. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. If this account is not deleted, I do intend on taking legal action. This is causing my family serious financial stress. This is unfair. I am also requesting all the information these companies have regarding this account. I have attached a police report that I filed when I first became aware that my information was compromised.
Consumer complaint received 2022-06-17
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. (TX)

Accordance with the fair credit reporting act XXXX  account # XXXX, 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2024-03-05
Product: Credit 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: CITIBANK, N.A. (FL)

On XX/XX/2023 I did a purchase of {$1400.00} of a tourist service. The service was cancelled and I opened a dispute, Citi Bank gave me a conditional credit of - {$1400.00}. 

For my XXXX statement they reversed the credit with a charge of {$1400.00}. The merchant issued a refund of - {$1400.00} on XXXX XXXX, because they were supposed to refund only 95 % of the total which I agreed. 

However on XXXX XXXX I received another charge of the same merchant of {$1400.00} which will net the balance of the refund, leaving me with {$1400.00} of debt. 

I complaint again about this transaction and on XX/XX/2023 they told me they were incorrect and that they will opened a new dispute regarding that {$1400.00} charge, but they never did. I called them multiple times, but they are not able to reopen my case or open a new one. 

I contacted the merchant and they sent me the detail of the charges made on my account, and that they never did that other charge of {$1400.00}, told the bank multiple times I had that proof but they told me not to send it before having a case number assigned, but they haven't assigned yet.
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2022-06-17
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: Opportunity Financial, LLC (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer roporting agency can not furnish a account without my wilten instructions 15 U.S.C-1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

This is regarding XXXX. I noticed ( CRAs ) : XXXX XXXX XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX, XXXX ( the " Big Three '' ). are all reporting different information. For example, Equifax and XXXX are reporting both my XXXX credit cards yet XXXX is only reporting history on one of my XXXX cards. XXXX is also reporting to all three bureaus bouncing back and forth between 30 to 90 days within a 12-month period with inaccuracies. All three credit bureaus are not reporting the same " charge off '' information for XXXX XXXX XXXX, XXXX , XXXX XXXX , and XXXX XXXX XXXX XXXX XXXX I would like to understand why the information is not identical in each credit report? The 'credit limits ' and 'credit used " amounts reporting are also extremely inaccurate which impacts my debt-to-income ratio resulting in a poor/fair score. I inquired with Trial Attorney, Consumer advocate, and Board of Directors of XXXX - XXXX XXXX about my credit report. XXXX mentioned the " Fair Credit Reporting Act Fair Credit Reporting Act ( FCRA ) to name a few and suggested going to the CFPB to obtain a fair resolution as the first step with XXXX, XXXX, and Equifax which are XXXX.
Consumer complaint received 2022-06-17
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: Convergent Resources, Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer roporting agency can not furnish a account without my wilten instructions 15 U.S.C-1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-17
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. (PA)

I XXXX XXXX, I checked my credit report and seen that I had inquiries that I have no consent of besides 1. Ive never gave any company the authority to pull credit report neither did I apply for anything. I want the inquiries to be removed from credit score because its impacting my score and Ive never gave consent for them to be there on all credit bureaus.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NY)

For the longest time I have been paying my Fortiva credit card and I noticed it never ever changed. They were just taking my payments and I found it strange nothing was updating. I was going through a rough time so I could only pay the smallest amount possible. A few days ago I message them asking when am I going to be able to use my Fortiva card again and they had the nerve to tell me I CAN NEVER USE MY CARD AGAIN AND THEY CLOSED IT LAST YEAR. They never thought to let me know?! Because I was never told that they would be doing that to me! I have steadily been paying this card off thinking Im going to have use of it for them to just play in my face - that is NOT cool or fair!
Consumer complaint received 2022-06-17
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. (CA)

It seems that my credit file has been compromised. I have no idea what is going on over there at the CFPB. I have submitted the same complaints for several times already but still these accounts are visible on my Transunion credit report. Since Im a hardliner for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you FTC # : XXXX. Please block/remove these files US DEPARTMENT OF EDUCATION XXXX XXXX. .US DEPARTMENT OF EDUCATION XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled promptly.
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

I sent a letter to SCA Collection certified and was signed for on XX/XX/24 by XXXX XXXX. They did not actually delete the item from my credit report and they are supposed to cease all communication during the validation period and they did not actually validate the debt so please explain to me why this is still on my credit report. This is so misleading date and I want it deleted immediately. I requested verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. 

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

SCA COLLECT ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Possible Financial Inc (CA)

I signed up at Possible Financial Inc for a loan amount of {$250.00} and agreed to finance charge of {$44.00} on XX/XX/XXXX. In the agreement, total amount Id have to pay back will be {$290.00} which says due on XX/XX/XXXX. 

On the website, I was able to change the payment date and divided into 4 payment installments on XXXX {$73.00}, XXXX, XXXX {$73.00}, and XXXX {$73.00}. 

But then on XX/XX/XXXX, Possible Financial withdraw the money from my bank In four transactions {$73.00}, {$73.00}, {$73.00}, {$73.00} ( all at the same time on XX/XX/XXXX ) I dont understand why this happens, I was charged a finance charge outside of the agreement. They responded via email stated that theres nothing they can do if money already withdrawn from my bank. I then sent them the withdrawal proof from my bank and the copy of what the agreement was and I only get a respond back from XXXX to send a feedback about possible finance on XXXX business page. 

At that point I was already going into panic, Im not sure what Im dealing with if this is a scam. Because on their website where I can login to access my account I see even with the four amounts I explained above ( {$73.00}, {$73.00}, XXXX ) it even says XX/XX/XXXX processing until this very minute ( yet all those amounts already withdrawn from my XXXX bank account early XX/XX/XXXX ) and also at the bottom of this statement page it also says Total Remaining Balance {$290.00}
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank has continued to make errors in my mortgage servicing since I refused to open a bank account with them, and this situation is another instance of them trying to punish me for that. They have requested my insurance information and despite providing it to them multiple times, they are saying that they are going to purchase insurance for me at above market cost. I've provided it multiple times and they have even confirmed receipt, yet still continue to email me and say that they haven't processed it after all. I will attach both proof of insurance for last year and this year as well as proof of the company accepting it here.
Consumer complaint received 2024-03-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Braviant Holdings, LLC (MO)

I received an online offer for a XXXX. I read XXXX, or thought I did, as I would never have agreed to pay XXXX payments a XXXX of XXXX. As of XXXX I had made XXXX payments, XXXX, and stopped paying to investigate why they were saying I still owed over XXXX, I gave them XXXX on the XXXX XXXX charge, that's XXXX daily, their latest offer was for immediate payment of XXXX, with still over XXXX principal. How is XXXX XXXX interest even legal, I signed something XXXX but it wasn't the agreement I understood it to be. I can't afford XXXX a XXXX payments, I can XXXX a XXXX, but they will not agree to that, also how do I still owe so much. Also I have like XXXX days before they turn me over to XXXX.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

Amsher Collections has knowingly placed a corporate account under my personal credit file for creditor XXXX Account belongs to XXXX XXXX XXXX, an XXXX  in the state of New York XXXX Account was opened as a business account with a business tax ID # - I never gave my social security # nor signed a personal guarantee. Attached is a copy of their initial email to me where they list solely the corporate name.
Consumer complaint received 2022-06-17
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. (TN)

I've been in constant dispute with the credit bureaus for almost a year now and have yet to get have the inaccurate accounts on my credit report removed. I recently sent in a letter on XX/XX/2022, once again asking them to verify these accounts and have yet to receive a response back. I feel like I am being taken advantage of and have been throughout this whole situation. I've been getting ignored for months on top of months and it is leaving me no other choice but to take these matters to court if the issue doesn't get resolved. Thank you for helping me with this matter.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Galaxy Capital Acquisitions, LLC (TX)

I honestly don't know where to start with this, I'm so livid because I work too hard to provide for my family for a random company ( Galaxy International Purchasing , LLC ) I've never done any business with to come along and file a lawsuit on me out of the clear blue sky for an alleged debt that has NOT been yet proven to belong to me. I have no legal binding contract with this company for them to appear at my home and hand papers to my wife. My doorbell ring camera has the video of this company not following the law when it comes properly serving someone court documents. 
I'd like to exercise my rights under The Privacy Act of XXXX ( 15 U.S.C. 1681s-602 ), I do not consent to 3rd party agencies having my personal information without my consent. 
If legal documentation is served to the wrong person, that is grounds for myself to contest the entire process of this fraudulent event. I intend to file motion to have this case dismissed and I'll be pursuing remedy for each and every violation against me if this company shall continue to pursue court proceedings. 
I did not receive a written demand letter for payment within 30 days of this company filing a lawsuit against me. I would have been able to send in a request for them to validate the debt instead of using aggressive deceptive practices. 
Upon research I notice I'm not the only one who has experienced this with this company, seems as if it's their way of taking advantage of incoherent consumers. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX