davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

Hello Consumer Financial Protection Bureau, and thank you for you services in providing consumers against the deceptive practices of against companies, including the one I am filing this complaint against, in the financial protection commerce industry. With that being said, I would like to inform you of the Fair Debt Collection Practice Act ( FDCPA ) violations that this company has committed in an attempt to collect an alleged debt. To begin this company has violated statute 15 USC 1692c ( a ), this company has contacted me about an alleged debt when I did not give them consent to do so, it is to a universal awareness that a debt collector must not use such tactics without a consumer 's consent. I would also like to mention their violation of 15 USC 1692c ( b ) by communicating with a third party company regarding my personal information without my consent being granted to them to do so. Let me remind you, under this subchapter, that this company must not communicate anything about this alleged debt with no other person besides my attorney, a consumer reporting agency if permitted by law or myself, and this company violated this. This company has also violated statute 15 USC 1692d by continuing to harass me, a consumer, with their deceptive tactics. I do not feel comfortable knowing that a company can continue to commit violations of laws that protect consumers and not face consequences for it. This company is also harassing me by attempting to collect any money that can from me in relation to this alleged debt by trying to get me to pay a discounted amount that was never agreed on, which leads me to their next violation. This company has violated 15 USC 1692F ( 1 ) by attempting to collect on an amount that was never agreed upon by me. This company is attempting to get me to settle for an alleged debt by offering me some sort of discount. If that is not unfair practices from a debt collector than I am very confused. Let me also remind this company that they are also in violation of 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) by sharing medical information or any related information to such manner including personal information to credit reporting agencies.

As you can see this company has violated quite a few prominent laws that help protect us consumers. I refuse to let this company continue to commit these violations, not just for me but for other consumers facing difficulty during these tough times. 

To help with this complaint I have attached a letter sent to me from this company including the violations I am referencing. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This company XXXX XXXX XXXX sent me correspodence in the mail stating that i owe them {$100.00}. I never did business with this company, never signed a contract, or heard of them. I sent them a debt validation letter in the mail to have them properly validate this debt and i was ignored, its been past 30 days. I would like to know where this debt came from, and see a copy of the original sined contract stating that i did buisness with XXXX XXXX XXXX.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian has time and time again reported this account ( XXXX XXXX ) as verified. But has yet to show how they verified this account. While XXXX and XXXX could not verify this account and simply removed it from my credit report. I thought all credit bureaus get their information from the same source. I'm really losing faith in this company as a consumer. I want this account removed asap because its reporting inaccurately and Experian is not investigating the validity of this account correctly
Consumer complaint received 2022-07-25
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-11-04
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. (PA)

Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-10-02
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 was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past XXXX years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a t-mobile phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

XX/XX/XXXX until present XXXX XXXX passed in XXXX required that all credit applications be considered on the basis of their actual qualifications for credit and not certain personal characteristics. I feel that I was provided inferior service because I filed bankruptcy in my past. I am aware that none of the statues or laws guarantees that I would be extended credit but they do exist to protect me from certain discriminatory practices that can cause me to be even denied an opportunity to even receive a proper consideration. I feel that I was discriminated not only because I have the bankruptcy but because I am also an XXXX XXXX ( the lender knew this because my picture is on my email profile when emails are being sent back and forth ) female. My application was dragged on an on for almost two months. I sent follow up emails to which many went unanswered. At one point I even requested to be transferred to a different loan officer that perhaps specialized in dealing with getting manual underwriting approval and was met with a ego. After being given the run around for over 45 days I was told I should try another lender. I also, called and spoke with her manager and never received a return call as promised. Now Interest rates have shot up and I will end up having to pay more that I expected to pay.
Consumer complaint received 2018-12-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow XXXX XXXX XXXX and Equifax could not Verify me so 50 Times I mailed 3 Forms of ID two XXXX  XXXX XXXX and Equifax never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (PA)

Company is a debt collection agency. They sent a request for repayment of XXXX bills, XXXX invoices originally received from health care facility, in XXXX separate request, presumably because I have to dispute each one separately. The online form to dispute debt provides no confirmation of submitting disputes. Debt was paid in full-confirmed with original creditor debt was paid in full. Was told by original creditor they had contact Apex. Provided proof to company that debt was paid in full, but got no confirmation of receipt. They refused to remove or resolve debt until they received communications from company, but when I asked them to contact the company ( since I had already spoke to the company on this issue and was informed they would call Apex ) they refused to do so. Company is in violation of Fair Debt Collection Practices act as they are providing false and misleading representations see 807. False or misleading representations. They threatened to report the debt to credit bureaus even though debt was already paid. Company is predatory and provides non-responsive answers to questions.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt
Consumer complaint received 2020-08-25
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. (SC)

The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but XXXX, TransUnion, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-10-18
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: TRANSWORLD SYSTEMS INC (NY)

Trasworld is reporting a fraudulent account on my credit file. I didnt open this account nor did I authorize anyone to do so on my behalf. I only had one account with XXXX XXXX and that was settled on XX/XX/2020. They are claiming that I had two accounts, but that is not the case. I only had one and I resolved it. This account is absolutely not mine, and needs to be removed from my credit ASAP!
Consumer complaint received 2022-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check that was given to my by the courts for a probate sale in the amount of {$18000.00} into my savings account which I had active for over 7 years without any issues. I used my Drivers license and also my debit card to verify my identity in person and was still flagged. When trying to use XXXX I noticed a problem I called customer service and after a 2 hour wait the system said call back another time. The following morning i went into the branch which was XX/XX/XXXX and the branch manager helped my at least gain access to my checking because they restricted everything in my name. She removed the hold and told me to just not touch the funds in my savings until the check clears since I provided her with all legal documentation that was given to me in order to justify the payment. After 2 weeks i noticed i no longer was able to view my account information and had a deposit into my checking that I didnt do so I went into the branch again. A banker was able to sit with me and see what was going on and told me that my account was frozen and i need to go to another branch with the person who wrote my check to remove the restrictions which made no sense. She said my account was frozen on XX/XX/2022 when in actuality she was looking right at the account that showed it was closed since XX/XX/2022. Why was my account closed when I did everything that was asked in order to verify the legitimate check and the reason for me receiving that dollar amount. In the end I had to go to another branch so they can tell my that my account was closed since XX/XX/2022 and feel like i was treated unfairly for no reason and no explanation.
Consumer complaint received 2022-07-25
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: BARCLAYS BANK DELAWARE (NY)

Barclays bank acquired XXXX  rewards credit card from XXXX XXXX. XXXX XXXX  directed customers to make payment by XX/XX/XXXX as transfer would occur on XX/XX/XXXX. I paid my entire balance ( as I always do ) with XXXX  on XX/XX/XXXX. When account was transferred to Barclay 's they transferred from XX/XX/XXXX so charges that were already paid from XXXX are now showing on Barclays statement XXXX 

I called over 2 weeks ago, got the run around and then after getting angry and asking for a supervisor was told this was a " known issue '' and they were " working on it '' I have payment due in 2 days ( which I will pay ) but I am NOT paying interest on their mistake ( because it's going to appear that I am not paying my whole statement balance ) I also should not have to be keeping track of what I truly owe, when their website is showing completely different numbers. This is a multi billion dollar bank. I keep getting customer service agents in the XXXX who tell me " their back office is working on the issue '' I am concerned for the people who may not have caught this error as I did, and will pay the balance their statement says is due, when that is not correct. I feel like this is fraud.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I charge XXXX on my XXXX XXXX XXXX every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month equifax and XXXX pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. TransUnion has received 90+ requests for these XXXX records in the past 188 days. Upon phoning XXXX XX/XX/21 TransUnion 's agent XXXX  employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these XXXX records XXXX verified existed.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TX)

I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX
Consumer complaint received 2021-10-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened an account in XX/XX/2019 with a promotion of {$300.00} for a savings account and {$300.00} for a checking account. 
XXXX, the person helping me closed and opened my accounts and assured me that I would received this promotional bonus. 
I kept the proper balances and did everything I was told to do. 
I did not receive any promotional money. 
XXXX has since left this bank and I was told she did similar misdeeds with other accounts. 
I can provide the promotional information as well. 
Im happy to provide my account information