davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northtown Capital Services Group LLC (MO)

On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with Northtown Capital Services Group who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called XXXX XXXX. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( Transunion, XXXX, and XXXX ) dropped my credit score by almost ( 70 ) seventy points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (OH)

*To Whom It May Concern, The reason for my dispute is CMRE FINANCIAL # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CMRE FINANCIALfailed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CMRE FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX  that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal
Consumer complaint received 2022-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, BK OF AMER XXXX Date Opened XX/XX/XXXX Balance {$4400.00}
Consumer complaint received 2019-12-12
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. (IL)

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. The following accounts need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX
Consumer complaint received 2019-10-24
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 sent a correspondence to Experian over thirty days ago requesting to confirm a debt for me with a collection agency, they did not respond to me, its been over 30 days. I enclosed the previous correspondence to Experian to support my complaint that its taken Experian over 30 days to respond.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I presented a cashiers check for {$12000.00} drawn on BMO Harris. They said they do not cash cashiers checks for non-account holders for over {$10000.00}. This, of course, give me no option to cash the check. I tell them they hare forcing to open an account. They say they are not. But the only way for me to access my funds is to open an account. I protest and I am upset by this but I have no choice. 

This occurred today, XX/XX/2019 at about XXXX at BMO Harris branch at XXXX XXXX XXXX XXXX in XXXX. The banker, who clearly was ticked off, took two hours to open my account and while he had said the funds would be available in one day, he made me sign something saying the hold would be NINE days.

Thats nine days on a cashiers check drawn of a BMO Harris account being deposited in to another BMO account. This is outrageous. I need this nine day hold taken off immedaiately. Please help. Thank you, XXXX XXXX
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I called State Employee credit union in XXXX  2022 so that I can set up a reoccurring minimum payment to avoid being late. The person I spoke to set up a set payment of {$600.00} per month instead of the minimum due. I was over on the balance so as a result the minimum due was {$780.00} that month. I was not aware because I was out of town working and didn't think I needed to look at the bill because it was supposed to be paid automatically. I later found the problem when I called. I was told someone would call me back and when they did not 2 weeks later I began calling. I spoke to someone who told me they could not correct it even though it was a credit union error. They never asked for my account info so I know they were not trying to help me. I later called and spoke to someone at the branch who looked and let me know what the error was and unfortunately the Fair Servicing department at the bank would not correct the issue even though the bank verified that it was a problem. I spoke to the VP XXXX XXXX and XXXX XXXX and they would not remove the lates from my credit. I received a letter from the bank stating that it was a error but their hands are tied and they can not do anything. As a result I was trying to refinance my property and was denied because my scores dropped almost XXXX points and I was in the path of XXXX XXXX and I applied for assistance because my property was damaged and I lost income and I can not even apply because my scores are low. When I spoke to XXXX XXXX he didn't even have the facts correct but seemed like he was trying to be correct instead of doing the right thing. I lost income and I am struggling if I loose my home and businesses this will not be right. I didn't do anything wrong the credit union did and I have a letter to prove it. Please help me.
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: Professional Debt Mediation, Inc. (GA)

In accordance with the Fair Credit Reporting act funding XXXX XXXX XXXX  has violated my rights. 
Account opened XXXX for {$2900.00} 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 2019-10-24
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear XXXX, XXXX Transunion CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Friday, XX/XX/XXXX, rec 'd fraud alert fr BoA ; texted last transaction legitimate. Block not removed ; called, advised wait time long, would call me back. Bank called back, call immediately disconnected. I immediately called back, learned long wait time, hung up as I was at work. Went to branch same day ( XX/XX/XXXX ) XXXX XXXX appt, branch called Fraud Dept. Block removed, used ATM, went up street ; card declined. Now after XXXX XXXX ; branch closed. Called Fraud Dept yet again, reached someone, call disconnected. She called back, said they couldn't figure out what wrong ; put on hold so long call rerouted to main number, I hung up, they never called back. Next morning XX/XX/XXXX went to branch AGAIN, withdrew all . Card still blocked ; on XX/XX/XXXX WENT TO BRANCH 3rd TIME IN 5 DAYS. Branch called Fraud Dept 3RD TIME IN 5 DAYS. Block allegedly removed. Next day XX/XX/XXXX card blocked again ; guy in Fraud Dept said he'd see if block could be permanently removed. On XX/XX/XXXX card still blocked ; branch advised only thing they could do is issue new debit card. Called Fraud Dept same day ( XX/XX/XXXX ) ; tried using debit card online while waited on phone ; card still blocked ; Tech Support advised " didn't see any transactions since XX/XX/XXXX '', that card not blocked, yet still doesn't work. IT IS NOW 7 DAYS IN A ROW I HAVE ONLY BEEN ABLE TO ACCESS FUNDS BY GOING TO TELLER AT BRANCH, AND I DON'T OWN CAR. Advised Tech Support I would be filing CFPB Complaint. I just recently filed/resolved CFPB complaint ( # XXXX ) and wondering if this is retaliation for previous CFPB complaint.
Consumer complaint received 2023-01-29
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. (IL)

I sent you guys a dispute letter on XX/XX/2022 and still haven't heard anything back. Don't you guys have 30 days to respond.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

Payment for paypal credit account was scheduled on XX/XX/2019 to be made on XX/XX/XXXX. The Transaction was accepted and scheduled and I received an email confirming it. The transaction was not executed by paypal on the XXXX and on XX/XX/2019, I received a notice I was late and charged a fee of {$27.00}. A new payment was scheduled that day and I again received a notice it was scheduled. the system then timed-out and wouldn't allow me back in. 

The system will expire the session if the " CONTACT US ''  button is selected and the chat option is a complete joke. They have made it virtually impossible to contact them. 

Paypal / Syncronicity are both aware of the problems their systems have connecting with each other. Data is regularly not available to view and sessions time out or just end abruptly for no reason. 

I have never had a problem with either company separately, but since they joined, account access is almost impossible most of the time.
Consumer complaint received 2022-10-10
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. (AZ)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-12
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)

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXXI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (MO)

XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX Barclays Bank {$2800.00} XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX Remove from all 3 credit reports
Consumer complaint received 2021-07-20
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$790.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$740.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$980.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}
Consumer complaint received 2022-11-07
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

I was a victim of identity theft in XXXX. This resulted in unemployment and credit card fraud with XXXX companies. The unemoyment fraud has been remedied but it has been extremely difficult removing the XXXX credit cards reported to my report. Debt collectors continue to attempt contacting me.