davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NH)

Received a major derogatory notice on my credit report from online information services. Spoke to XXXX telephone # XXXX and reference # XXXX. Informed that there is an unpaid debt from XXXX XXXX for address XXXX XXXX XXXX in XXXX Texas attributed to me. I have never lived at that address nor in XXXX Texas. I have lived in New Hampshire for XXXX years. I had a similar report to my credit report earlier this year from Contact Callers in regard to a XXXX XXXX account. I disputed this and was told that the derogatory report was withdrawn. 

I was instructed by XXXX to file a fraud complaint with this department.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) -XXXX-Balance {$290.00} ENHANCED RECOVERY CO L XXXX Original Creditor : XXXX XXXX XXXX -XXXX-Balance {$3300.00}
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

The alleged debt is from a previous landlord and this matter was resolved in XXXX XXXX Municipal Court under Case No. XXXX  XXXX  XXXX via Magistrate Order on XX/XX/2019. The landlord attempted to file an eviction, I placed the money in an escrow account in court and filed a counterclaim against the landlord because 1 ) I had documentation showing that the rent was paid as agreed 2 ) they charged an illegal eviction fee to my account 3 ) I had sworn affidavits from tenants who experienced the same deceptive business practices from this landlord. I entered into an agreement with the landlord 's attorney to dismiss my counterclaim and they would dismiss their claim if I moved out of the unit " on or before XX/XX/2019 '', which I did. Even the money in escrow was returned to me, as opposed to being granted to the landlord. The Magistrate 's Order states " PURSUANT TO SETTLEMENT BETWEEN THE PARTIES DEFT AGREES TO VACATE THE PREMISES ON OR BEFORE XX/XX/XXXX. 2019. THIS ENTRY DOES NOT PRECLUDE PLTF FROM RECOVERING FUTURE DAMAGES BEYOND NORMAL WEAR UNDER CHAPTER XXXX OF THE OHIO REVISED CODE THAT IT MAY SUFFER. '' The landlord has submitted ( significantly inflated ) charges to the credit bureau that were not to be included per the agreement and magistrate order. I disputed this with the credit bureaus. XXXX  removed the debt, XXXX  and XXXX  have not. I have contacted the collection agency directly to dispute the debt, they have not responded.
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (TX)

When i first moved out i was told i could pay the bill online with any card. I get the bill and call the office shortly after to notify that my account is not active. The employee told me that most accounts do not close immediately, mine was acting weird. So the employee tells me that one of the managers of something ( could be technology or business ) would fix my account so i could pay the bill online. I give it about a week or two and try to login again, but to no avail i could not login. I get no phone call notifying me that the employees did their job. I call again and they said that the last person had given me false information because once an account closes they can not open it again. Why would someone tell me i could pay the bill online if that wasnt true to begin with? I digress, the person on the phone then tells me I have two options : the first being send a money order in. The second being to come in with a card and i could pay it this way. I work full time so coming in wasnt an option until today. So I come in today and the person working informs me that everything I was told prior to today was not correct and THE ONLY WAY I COULD PAY IS BY COMING IN WITH A MONEY ORDER not online with a card, not in person with a card, and not through mail with a money order. Then I call a week before it was due and the same employee I first talked to answered. I tell the employee ( XXXX ) my situation and he said he doesn't know why any of the employees gave me the information I received, when he was one of those employees. The company is XXXX XXXX XXXX. Look up reviews on the management and employees theyre known to be horrible. I emailed the company an email similar to this that expressed more frustration but no response. I would provide documentation but apparently my account doesnt exist, and all my encounters happened via phone call or in person. 
P.S I'm rereading some of the reviews on the complex and it seems as if XXXX isn't the greatest of managers
Consumer complaint received 2021-10-13
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Hello, I have reached out to SunTrust Mortgage numerous times without success. I have called them numerous time to drop the PMI off our loan but they never do. Our home loan is well under the 25 % for PMI and they refuse to remove it from our loan. Every time I contact the bank they advise us that that have no record of our call or they are still looking into the matter and to call back in a week or so. Unfortunately this has gone on way to long and if you could help us it would be greatly appreciated.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc. (FL)

Several months ago I had to replace my debit card before I did so I was always on time with our payments but I didn't realize that the card on file with the old one and the payment started bouncing but I didn't realize that that was why I tried to call customer service to find out why I was getting the payment not paid however I discovered that you can't contact them to the phone number so I just kept trying sometimes I would accidentally click the old card and it wouldn't let you cancel you'd have to wait until the payment bounce then try again which would accrue another {$15.00} charge every time the payment didn't go through had I known that was the reason my payments were going through I would have fixed it however their customer service is not good originally I started emailing them to try to find a way to ask them to waive the {$15.00} charges because I'm having trouble with covid finding a job and making my bills however I'm having a terrible time contacting the company I've given them all information required to find me however they refused to speak to me unless I have the original email I opened the account with which I no longer have access to when you call the phone number it tells you to email when you email it tells you to call it's a big run around
Consumer complaint received 2020-11-19
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (CA)

They have called numerous family members say they are serving my papers and pressing legal action. Back in XXXX I started a payment plan with them and paid a large amount over time. But they keep harassing me when I told them I was struggling with money. They started calling family members again and blowing of their phones and mine. They have put me down when I told them I couldnt afford XXXX plus a month. I told them I have a family and daily life. I want them to leave me alone. I contacted out to an attorney for harassment creditors and he said the company calling me does not have a open law license in the state of California and they are scamming me.
Consumer complaint received 2021-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc. (TN)

Credit Corp Solutions on behalf of XXXX XXXX dba XXXX XXXX is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. XXXX XXXX failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (NC)

XXXX is reporting this information and I need this DELETED immediately. Other bureaus have removed this account. They are reporting two separate account numbers with two different balances. They are reporting wrong dates and erroneous information.

I have repeatedly asked this collector to verify this debt. Fifth time and nothing has been validated to what is needed as verification. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights. 
Remove fraudulent accounts from my credit report. I am trying to get my approval and this account is holding me back.
Consumer complaint received 2022-04-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WI)

This all started approx. 3 months ago. Bsi financial sent in an escrow payment to my insurance agency. They included multiple other people 's policy payments in the payment to them. The insurance company issued a refund to me which I then mailed back to bsi to put in my escrow. I then recieved a bill from the insurance company trying to get the money back. I contacted bsi financial. They then proceeded to pull the money from my escrow account stating that it wasnt my money to start with which I get but the insurance company still is billing me for the money they sent back. After numerous phone calls they said things were handled. They were not. They also reversed a mortgage payment that was made and then sent me collection notices. Finally they found the payment that was made on time and not late but they put it in for the date they found it. Since they found it after the due date they reported to the credit bureau that it was 30 days late which dropped my credit score a lot. I then recieved my monthly statement yesterday stating that I didnt pay last months premium. Which I did and they were able to find that but I also now see that they pulled over 2000 dollars out of my escrow to pay the insurance company. They already pulled the XXXX I sent them out. Currently I have never been late on a payment and it appears they are trying to make me pay for other people 's insurance. Also was notified from my insurance agent that the insurance company still has me listed as getting dropped due to no payment of the money they sent me by mistake. 

Basically I always have paid my Bill 's on time and it looks like for doing that it will cost me at least an additional XXXX dollars out of my pocket, a major hit on my credit report and I will have to pay out of pocket to get new insurance for my property if I get dropped. 

Pretty sure when you sign an agreement with a company both ends have to hold up there end. I've done my part to the fullest neither the mortgage lender or the insurance company have lived up to their end. I know breach of contract is a thing and both companies meet every item for that offense. 

The amount of money it has cost me by the countless hours on the phone with them is not something I can make up. 

All I did was try to do the right thing and now all I get is XXXX.
Consumer complaint received 2020-11-19
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: NCB Management Services Inc. (FL)

I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency NBC MANAGEMENT SERVICE ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Consumer complaint received 2022-12-19
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. (IA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc. (NY)

When I first got the XXXX XXXX  credit card the XXXX  XXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX  they accused me of XXXX late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX  XXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$100.00} CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$53.00}
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (MO)

XXXX XXXX XXXX sold a debt ( I DID NOT OWE ) to World Finance Corporation. I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

When I contacted XXXX XXXX about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that XXXX XXXX was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to XXXX XXXX who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

XXXX XXXX inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with World Finance and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

I am a victim of Debit Card Fraud. XXXX XXXX and XXXX XXXX stole my card and stole {$6000.00} from me. They have both been arrested and we are waiting for a court date so that I can press charges. Way 2 Go card company, issued by Georgia Department of labor has everything they need per XXXX XXXX County Police Department to refund my money. They still have not given my money back. I'm not sure why. A crime was committed and Way 2 Go is letting the criminals get away with stealing my money.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NV)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX paid in settlement in full. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX through bankruptcy but the same account 15 US Code 1681e ( b ) maximum accuracy