davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (FL)

I received a bill in the amount of {$300.00} from the following Debt Collector : Receivables Management. The medical bill belonged to my adult daughter, XXXX XXXX. The medical bill did not belong to me, nor am I a guarantor on the account. I called Receivables Management and spoke with a Customer Service rep and I explained everything to her. This unpaid bill was still innappropriately added to my credit report.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION (GA)

In XXXX, the account for myself and my daughter was frozen ( my daughter is XXXX and it is her account, I am just a signer ). We went to the bank to inquire as to why and we were advised that their had been some fraudulent transactions on her account and they needed time to investigate. Since that time we have been there multiple times and have gotten nowhere. Her account is now closed and has been sent to collections, but the lady over the XXXX branch insists that my daughter had to have done it or have some knowledge of how someone got her info. We discovered that there had been multiple fraudulent mobile deposits where they tried to transfer the money out immediately, but it did not work. Her signature or information is not on any of the checks that were supposedly deposited and they continue to tell me that she would have had to have given her login information to her online banking. I explained to them that people 's social media accounts are hacked all the time, without the actual user provided and requested that they conduct a deeper investigation so that she can be excused of the fees that are now in collections. I have been told by 2 different branches that since it is now in collections that their investigation is closed and she just has to " XXXX it up '' and pay the fees. She is XXXX XXXX XXXX with a hit on her credit before she can even get into the real world and I do not feel as though she should pay these fees, since her account was in the positive when all of this started.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

I have received more than one letter that my data set has been breached, most recently XX/XX/XXXX. I noticed on my credit report certain errors that keep coming back and inaccurate information. One error is XXXX is reoccurring delinquent bank account. I do not have any delinquent accounts, for over XXXX years. XXXX XXXX XXXX XXXX has not provided me with any notice of a debt. Largely in part because I did not have an open account with this company. Ref date of closure XX/XX/XXXX. 
I have asked for XXXX own investigation and review of that investigation and provide me with a copy, independent of the 'verifying company '. I Have Not Received Any Results. ( I have not received any documentation from the verifying company XXXX XXXX XXXX XXXX. ) All consent implied expressed written or otherwise has been revoked. NO ONE OR ENTITY HAS my consent to share documentation I have submitted REGARDLESS OF THE BUSINESS matter of course or any other reason. Because I have found that this information is not used for the purpose intended, I request to receive independent results without sharing the results to third parties, in accordance with the FCRA.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$370.00}
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of  my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college.
After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on E xperian 's part.
Consumer complaint received 2022-07-18
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. (MD)

I applied for a car then changed my mind I never give them permission to running my credit they keep tell me its factual but its not my next step is to contact my lawyer and file suit them inquiries need to be removed immediately!
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NY)

My XX/XX/XXXX bill with a due date of XX/XX/XXXX in the amount of {$58.00} was never received by me in any form which is an on going issue with this company. As a result the following months payment due on XX/XX/XXXX was now {$110.00} which includes the past due of {$58.00} which is clearly visible on their own paper statement. On XX/XX/XXXX the past due amount was paid bringing me current and only owing {$58.00} by the XX/XX/XXXX due date. On XX/XX/XXXX {$2000.00} they withdrew {$110.00} from my account even though I paid the past due amount on XX/XX/XXXX going against the signed minimum auto payment due document. I requested the extra payment to be credited back to my payment method and I was told no. I want the {$58.00} credited back to my payment method. Thank you
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union extended a checking account to me with XXXX overdraft protection XXXX. In XXXX they also approved me for a XXXX credit card XXXX and loans. 
My checking account has been frozen 20 times end of XXXX to XXXX. During the Holidays XXXX and XXXX I couldn't access my funds through ATM. I was forced to borrowed money from friends and relatives until the NFCU staff came back from the Holidays to access my funds. The collections department until XXXX would pay my bills using my overdraft monies that was a normal practice for 3 years. Also charged XXXX fees in excess. I requested a line of checking account credit but the representative said they'd have to shut down my visa card for a week for me to get approved. I've been told my account can be approved for a second checking accounts. They've held me on the XXXX overdraft since XXXX. 
I was also told that the fees were correct charges of excess in overdraft eating my paycheck every week. 
Collections threatened me in letter form that my checking account would be closed because of my negative balance but refuse me.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (OK)

I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard inquiry.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASG Solutions LLC (NY)

A company called ASG XXXX XXXX called me on XX/XX/18 at XXXX. A man named XXXX XXXX was the caller and said he was reaching out to me as I was involved in a legal matter and to call him asap as this is a timely matter. I believe this is a false claim for debt collection as I received no validation of debt via mail. I would like this company looked into for using fake tactics to collect false debt.
Consumer complaint received 2023-04-28
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I on XX/XX/2024 I sent a letter to CREDIT CONTROL SERVICES INC, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to CREDIT CONTROL SERVICES INC. Please have CREDIT CONTROL SERVICES INC remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.
Consumer complaint received 2019-03-06
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 (GA)

I paid a moving company to move my furniture, the owner broke furniture, he has no insurance ( but had sent a fake insurance certificate of liability to make it seem like he had insurance ) ( this screams insurance fraud ) he will not replace the bed post he broke. I disputed with American Express but he lied several times so they sided with him ... ..I asked amex what would it take to prove he owes me the money and they said if I took him to court and won a judgment then they would side with me and I would win the dispute and he could no longer appeal etc. I took him to court the owner wanted to mediate and so he agreed IN COURT that he would pay me the {$750.00} ( I have the consent agreement he signed in court that day ) but he has yet to pay me and amex said since I now has court documents saying he agreed to pay I have to get my money from him some other way and that I can no longer dispute the charge. I have had this account with American Express for over 20 years.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX agreed to PURCHASE, XXXX ACRES OF " TOTALLY, UNRESTRICTED LAND " from a company who is now a FRAUDELENT internet land sales company. Currently still on property, live in a XXXX XXXX tent The sales price is XXXX, a XXXX for paperwork. They only wanted a XXXX down making it, XXXX to even look at any contract I paid down, XXXX, XXXX + XXXX + XXXX. Debit card limit is XXXX daily. 

They sent contract electronically even though I told them, eyes bad can't read off phone I signed this doc, winter was here and had to hurry setting up camp site for snow coming I realized after signing and giving this company, XXXX, that there was something terribly wrong when I went to XXXX XXXX, XXXX and was immediately denied any account because the doc I had on phone did not give me ANY OWNERSHIP rights and in fact this XXXX XXXX person himself, is not the owner a bank was. 
XXXX XXXX is the person, " LOT OF FREEDOM " the land company. 
By the 3rd week of XXXX, XXXX another crashing blow, no permit capacity, no water or power! 
Contacted XXXX, told him I wanted money refunded including every penny I spent for clearing, camping equipment, fuel and more. 
His remark, ,your an angry man suffering BUYERS REMORSE!. 

FAST FORWARD. 

GOT ATTORNEY WITH THE ADVICE GIVEN BY XXXX XXXX, ASSESSOR, THEY DROPPED ME, THE WEST TN LEGAL AID, XXXX XXXX, ATTORNEY BECAUSE THIS ANTHONY GUY LIED TO HIM AND YET, TO THIS DAY CANT GET HIM ON PHONE TO EXPLAIN WHY MY CASE WAS DROPPED. 

WENT TO A TRUIST BANK AND FILED MY CLAIM FOR REDUND DUE TO FRAUD ON MY XXXX, NOT THE NEW XXXX SENT TO ME DUE TO, XXXXSUNTRUST , NOW, TRUIST, XXXX. 
I WANT MY XXXX OWED ME THROUGH LOT OF FREEDOMS FRAUD SELLING USING MY DEBIT CARD, NOW. 

Note, I had the bank manager read my reply to that info you requested, I did not take pic of completed doc sent where I wrote a note showed the ASSESSOR 'S REPORT WHERE land use # XXXX very clear and WORST OF ALL, NEVER COULD GET THEIR SECURITY TEAM TO CALL ME, TOTTALLY WRONG, I HAD ALL KINDS OF PROOF. ALSO, THE MERGER WAS TEERIBLE AND PROBABLY HAMPERED THEIR INVESTIGATIONS
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

To Whom It May Concern : HIPPA VIOLATION I did not authorize Progressive Management System to access my XXXX records I never signed a HIPPA form. They Violated my HIPPA rights. This must be removed from my credit report immediately, I will sue Progressive Management SysteXXXX I never authorized this to release my medical records to this Progressive Management System.
Consumer complaint received 2022-07-18
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. (NY)

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount XXXX 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 a account without my written instructions
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On Friday XX/XX/2022 I noticed an Extended Fraud Alert placed on my TransUnion credit report without my authorization. I immediately called in to TransUnion, to have the unauthorized fraud alert removed. 

I was told that it was a technical error and that there was no actual fraud alert placed on my credit report. However, I have just received a noticed from XXXX XXXX, indicating that there is in fact a fraud alert on my TransUnion credit report! 

This raises a host of problems, the fraud alert is unauthorized and the employees of the TransUnion fraud department are incompetent as I was assured that there was no fraud alert!
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GreenSky, LLC (WI)

The building I financed through Greensky was never completed by the contractor. I filed a complaint on XX/XX/XXXX, case number XXXX through Greensky to get the building finished before we would begin payments. This drug on through XX/XX/XXXX, with me providing to Greensky, and estimate of the cost to finish the building since the contractor wouldn't do it. I also filed a complaint against the company XXXX XXXX, XXXX XXXX XXXX, XXXX, Ar XXXX, phone XXXX through the XXXX Attourney Generals office, complaint # XXXX trying to either get the company to finish the job, or deduct the price of the unfinished building costs from the loan costs. XXXX  XXXX stated to the Attourney Generals Office on XX/XX/XXXX that they would come and finish the job. I have had no further contact since then. I do not feel Greensky should be charging me now, when they held off throughout the complaint process on charging principal or interest until this was resolved. Then without notice of the problem being resolved, they sent me a monthly payment due notice dated XX/XX/XXXX. I feel this problem of an unfulfilled contract and unfinished building needs to be resolved before payments begin. When I called the Greensky to let them know I would not be making payments until the building was complete, their response was " we will ruin your credit :.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COLUMBIA BANKING SYSTEM, INC. (FL)

This company indulge in other businesses notes at less then 60 % or more from original loan and try to make millions out of thousands. This people bought note of my XXXX XXXX loan for secured equipment finance my business failed to pay XXXX XXXX due to XXXX in 2020 and I was making small payments after this crooked company took over and then I defaulted because i got XXXX XXXX XXXX XXXX could not work and I requested more time to pay but to my surprise they hired an attorney in Florida who have only XXXX XXXX reviews who seems to be dishonest like this people and he was negotiating with my debt consolidator and in background started court proceeding and without summon or notice to me he got judgement and now trying to Garnish my personal account. A simple example will explain my situation when you buy car on finance and if you default they reposes the vehicle and same thing i told this XXXX People that business failed and I have this equipment which was originally financed by XXXX XXXX which is secured finance against the equipment but they refused to take back that XXXX XXXX  which is still I have it in my possession. And they sued me for the business went in loss and closed due to XXXX the debt of {$6000.00} they got judgement of {$30000.00} AND ON TOP OF THAT THEY HAVE PUT {$24000.00} AS COLLECTION ON MY XXXX XXXX CREDIT BUREAU they went all out to destroy me their intentions is not to collect money but getting big Judgements and recover big money from their insurance company This company have many similar complaints on XXXX XXXX XXXX XXXX site which proves this company is doing wrong and damaging individual and small business and families with wrong reporting and judgements
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (AL)

CREDIT BUREAU ASSOCIATES located at XXXX XXXX XXXX, XXXX, GA XXXX has never sent me a notice, but has reported a past due balance in the amount of {$750.00} I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

I do not owe this debt to XXXX  XXXX XXXX, it was a fraud check that was deposited due to a scam. They are reporting improper information on my XXXX  report and I have tried over and over to resolve it I even tried a pay for deletion, I paid one but they did not delete off my report
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... .these debts was obtain without my permission and I have filed an identity theft report ... ..please remove from my file