davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (TX)

As I said I told American Express and XXXX and XXXX XXXX about the problems they reported on my credit that the total was my daughters account in which we have similar name and she had her own account even through she was given her own account with them all three companies because of me I presume she was paying online on her account XXXX and American Express hire lawyers and put a lien on my title of my home which I just found out by XX/XX/XXXX I have legal shield on case however they lawyer that went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX on me XXXX XXXX thats in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX and XXXX XXXX XXXX cause no. XXXX on my husband XXXX XXXX this was American Express national bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also sign nor\tary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX lawyer XXXX XXXX charged me XXXX and XXXX me all this was back in XXXX case was close and staute of limitations was over on XXXX deal with XXXX  I try contact this XXXX lawyer he moved out XXXX to XXXX XXXX  and will not return XXXX calls or legal shield attorney XXXX XXXX whom legal shield gave me so I was told filed bar asson on XXXX XXXX but lien is still on my home titles which I try get loan on my home from XXXX XXXX which they could not do per their title co XXXX XXXX told me I had liens from XXXX and XXXX  first I heard of it back in XXXX this yearXXXX I have not been able to get anything loan wise due this move by XXXXXXXX XXXX XXXX XXXXXXXX charged off account to charge off on my credit report which I had hire XXXX XXXX to help me clean up my report. I can not believe a credit card company can get away with this in XXXX putting a lien on my property without me knowing are getting to this point XXXX and XXXX date on this judgement is XX/XX/XXXX by the way the kicker here my daughter filed bankruptcy XXXX XXXXXXXX nd been paying these two XXXX and XXXX since XXXX same account they are saying me and my husband own they combine my daughter XXXX XXXX account on my XXXX account same number XXXX XXXX and by the way they XXXX change account number end XXXX XXXX was XXXX number they combine both his and my daughters to say he owes XXXX and mine XXXX on XXXX per lien they put on my home title I. know this is fraud breaking laws use acc laws I want these liens remove asap can you please help me in this matter as I wrote to attorney general as well on this matter in XXXX XXXX XXXXXXXX I am also writing you guys again XXXX XXXX account is also known as XXXX XXXX  and as far as my account with them it is paid in full period XXXX XXXX XXXX  air conditions units to my daughters home which she lives at XXXX XXXX XXXX in XXXX tx XXXX they fail to tell you all my address was paid in full XXXX XXXX XXXX XXXX tx XXXX if you need anything more I have receipts
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC (LA)

I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Action Revenue Recover. Action Revenue Recover placed two collection accounts on my XXXX credit report. One account amounting to {$66.00}, and the second account amounting to {$62.00}. I have not been contacted via phone or mail regarding these debts, therefore I have no knowledge of these accounts. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the accounts in question were verified by the creditor. Action Revenue Recover did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of the debts, but instead of verifying the debts, XXXX reported the debts by responding with a copy of my credit report stating that the accounts in question were verified by the creditor. Again, Action Revenue Recover did not provide any documents or evidence to verify the accounts, but instead kept these accounts on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Consumer complaint received 2017-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

I get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.
Consumer complaint received 2019-05-21
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc (FL)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged payments on my credit report .Under federal law They had 30 days to complete the investigation, so it must be deleted from the report as soon as possible.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WI)

Citibank XXXX raised my rate to over 26 %. I was never notified by them that this was going to increase. It started out as a 0 % for 15 or 18 months. The jumped that high. Even on current purchases and had I'd been notified I would not have used this card for my daughter 's wedding expenses
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (GA)

After several letters sent to syndicated office systems/central financial control to request HIPAA and debt violations concerning documentation for this debt that does not belong to me, the company has continued to ignore my 5 requests as well as continues to report inaccurate information on my credit reports
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX I received a XXXX from XXXX, reflecting a cancellation of debt. I paid tax to the IRS for the amount owed. As of XX/XX/XXXX XXXX is still reporting this cancelled debt amount on my credit report as a balance amount past due. XXXX insists that in order for them to report a XXXX 'balance owed ' to the credit bureaus, I will need to pay XXXX the entire cancelled amount. This balance should not be reported to the credit bureaus as an amount past due. The account was written off by XXXX XX/XX/XXXX.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have Ditech auto pay since I had this loan. Habitually EVERY MONTH Ditech either does n't deduct the auto pay, skips a month which would result me being past due, or cancelled my auto pay and reinstated it the next month. I have to babysit my auto pay EVERY month because I have NO faith that Ditech will do this correctly. I have spoken to high level supervisors who tell me this wo n't happen again, and hence it did AGAIN. My payment is due XXXX XXXX, 2016 and they show a debit date which is XXXX/XXXX/16 which would make me not only 30 days late but jeopardize my pristine payment history and also the terms of my modification state I can not be late. I find this deceitful practice.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (DE)

I have opened a business bank account with Citibank N.A on 2019. 

On XXXX they closed my account without previous notification and with no aparent reason. 

I receive on wire on XXXX ( three days before the account was closed ). Total amount was {$12000.00} ( XXXX XXXX XXXX XXXX ). The bank closed this amount and didn't send money back. 

I tried multiple times to call the bank and solve this situation and got no feedback so far. 

ACCOUNT : XXXX/Routing Number : XXXX
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (AL)

The tax preparer that I went thru this year used my card with my refund and made several purchases in XXXX XXXX without my authorization. He then sent my card with all his personal information tied to it. I called net spend and was able to get my personal information in AFTER having my account frozen for a couple of days. I just ask that I 'm given what is rightfully mine.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

My car was financed with NMAC nissan, a long time ago. 

in XXXX i refinance with loan with NMAC, to XXXX XXXX. The loan was paid in full in XXXX XXXX XXXX 

I was notified by the XXXX  XXXX office that

Nissan still has a lien on my car, when i went to get the title. I spoke with Nissan in XXXX about the issue, they apologized and said they will mail me a release of lien letter to get my title. and to wait XXXX business days to get the letter. 

After i didn't receive the letter, i called back and was informed that they didn't send it. because they needed something from XXXX saying it was paid in full. 

I spoke with XXXX  and they sent me a signed, notarized letter saying it was paid if full. and i sent to back to NMAC.

they received and accepted the signed letter, and they said they mailed me a copy of the title on XX/XX/XXXX. and to wait XXXX business days to get it. 

So now, im XXXX business days later, and still haven't got the letter.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ray Klein, Inc. (MI)

This company has called me XXXX 's. Last 2 dates I documented as follows : XX/XX/XXXX & XX/XX/XXXX. Name of company : Professional Credit Service Ph : XXXX. XXXX time they called REFUSED to give a name of the agent who called. Very rude, mean, harrassing me! Threatening in nature over phone saying that " I 'd " better cooperate " or else '' when I 'd ask " or else what? '' all I was told was exactly " I better know what was good for me! '' Really, I was too stunned & floored! I was hounded for confirmation of my complete address, birthdate, birthplace, mothers maiden name, fathers name, SS #, place of employment -I 've been XXXX since XX/XX/XXXX & have n't had a paycheck since & have n't drawn SSD until XX/XX/XXXX, if this was a " legit '' bill collection agency would n't they have ALL this info already & how do I know they are not trying to scam me? I 'm from Missouri, so as the saying goes, " SHOW ME ''! I REFUSED TO PROVIDE ANY INFO BECAUSE THEY REFUSED TO BE FORTHCOMING WITH ANY INFORMATION AT ALL! I HAD NO IDEA WHO THEY WERE, WHY THEY WERE CALLING OR FOR WHAT PURPOSE WHATSOEVER! I HAD NOTHING TO GO BY! WHY SHOULD I JUST " WILLINGLY " HAND OVER ANY & ALL MY PERSONAL & PRIVATE INFORMATION SO THEY COULD COMMIT INDENTITY THEFT? NOTHING DOING! I INFORMED THEM THIS CELLULAR PHONE NUMBER THEY WERE CALLING HAS BEEN REGISTERED ON THE NATIONAL NO NOT CALL REGISTRY SINCE XX/XX/XXXX NON STOP AND THAT SINCE XX/XX/XXXX IT 'S BEEN AMENDED THAT ALL SALES TELEMARKETING AGENTS AND COMPANIES, ROBOCALLS, BILL COLLECTION AGENCIES ARE FORBIDDEN TO CALL UNLESS THEY HAVE OBTAINED EXPRESS WRITTEN PERMISSION BY ME TO DO SO AND THAT ANY PRIOR WRITTEN OR VERBAL AGREEMENT BY ME IN THE PAST PER THE XX/XX/XXXX LEGAL LAW AMMENDMENT PASSED BY THE TCPA & FCC & FTC I MAY REVOKE AT A MOMENTS NOTICE IF I FEEL I 'M BEING G UNFAIRLY HARRASSED & I NOTIFIED THEM PRIOR TO & THEN AGAIN XX/XX/XXXX & XX/XX/XXXX THEY DO NOT HAVE PERMISSION TO CONTACT ME AS THEY ARE HARRASSING ME & ANY AUTHORIZATION THAT WAS GRANTED PRIOR TO THIS UNKNOWN & UNHERD OF " PROFESSIONAL CREDIT SERVICE '' HAS BEEN PERMANENTLY REVOKED & I JUST UPDATED THAT TO REFLECT TODAY 'S DATE XX/XX/XXXX @ XXXX PER LETTER TO CONSUMER FINANCE.GOV. 
XXXX Thank you XXXX XXXX XX/XX/XXXX XX/XX/XXXX ET
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

My problem is, that Equifax and XXXX still reportng a loan that has 9-year 's old ( XXXX XXXX ). I would like to be removed. XXXX had them removed XXXX XXXX already, but not removed from the others.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (AE)

I attempted to get a copy of my lexis nexis report on risk. This is the insurance company database. Lexis nexis required information and wont recognize that a XXXX member of the XXXX mission I only have a us address of record, not a legal address. They are argumentative and wish only to provide information via unsecure international mail, that is possibly a risk to my XXXX versus providing via email. 
I submitted a report to cfpb that was closed on XX/XX/XXXX, no letter of response was attached.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CT)

I have a BJ 's Master Card issued by Commenity Bank. 8 weeks ago, I was unable to access sign on to my account. I could not call to get thru called XXXX along with any other numbers I had. 4 days later with issue still persisting, on the web sign on page message came up that they were upgrading their website. Finally after day five got customer service and next day was able to sign on. Two days later, I could not get on and nobody helped other than stating they were aware and have patience. Two weeks later and same issue. Now around 8 weeks and still no access to my on line account.

1. Not easy getting thru to customer support and have called regularly 2. Nobody resolves issue and can not sign on to view account, check balance, make payments and review charges.

3. Eight weeks now and frustrated.

4. Trying signing on and verified user ID, changed password, tried their links confirmed my email and cell and NOTHING 5.Site states they want to text or email me to confirm my idenity BUT they can not since no text/email on file. Please, I need help to be sure my data is not compromised. Thanks
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga. XXXX See attached XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

This complaint is against LVNV FUDING LLC. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with LVNV FUDING LLC delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of LVNV FUDING LLC? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with LVNV FUDING LLC remove and delete this immediately. Why is there a date opened? I have never opened an account with LVNV FUDING LLC and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CXXXX XXXX  XXXX Equifax Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX