davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (SC)

I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is TD BANK XXXX XXXX the only XXXX there.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To who it may concern. Upon receiving my credit report I have received a XXXX rating on my Consumer Credit and Background Report. I believe this is due to the incorrect information of a criminal record appearing on my report. The criminal record has been cleared for three years to date by the XXXX Superior Court XXXX California location, and my credit score should accurately display information. According to the courthouse the license plate violation was erroneously added to my credit report, and after verifying with the court I have paid the fee and it is cleared from my record. In addition, the criminal report is alarming and sounds like I have been convicted of a crime, when in reality it was only a traffic infraction for not having a front license plate. I would like this minor offense removed from my report due to the fact that I no longer have it on my record and it should not have been there. On my report there is also a non-exact match of the XXXX XXXX XXXX XXXX XXXX XXXX that I would like to have removed because it does not match me so it should not be a flagged section. Furthermore, I was not convicted of any crime and the case was dismissed there is no reason why this should appear on my record. This is affecting my possibilities of obtaining housing and I am very dissatisfied with the credit report. I am requesting a free copy of the new report that reflects the corrections made, and I am hoping that this edited report not be counted as my free yearly report. In addition I would like the new credit report to be sent to anyone who has received my credit report in the last six months, due to the previous ones having incorrect information. Also I was hoping to get an explanation for the XXXX rating because although I have been a credit card holder for only a short period of time, I have never missed a payment nor maxed out my credit limit. I am a responsible borrower and I have a good credit score listed as XXXX on the report.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a chapter XXXX in XXXX which ended up getting dismissed because they never told me i had to turn in my actual tax refund. i received a call from them in XXXX of XX/XX/XXXX after XXXX saying I was in default due to their neglegance. When I made my payments for XXXX years never missing a payment. I had my XXXX hearing in XX/XX/XXXX they said they changed the info about my tax refund in XX/XX/XXXX without my knowledge. The lawyer wanted me to put approx XXXX into my bankruptcy as debt owed when in reality it was not and it would have made my payments go up as well so they went to court to modify and they just decided to dismiss it because I did n't think that was fair to me. They went to court without notifying me and just left a voicemail that the bankruptcy was dismissed. Therefore they dismissed their contract without my knowledge so I disputed that the bankruptcy was in error because I should not be penalized for that. That lead me to getting on a payment plan for parking tickets after 2 years this was the initial reason I filed a chapter XXXX to get my license back for court. At that time I was advised that I had to put my car into the banruptcy. When the bankruptcy dismissed I tried to pay the car out for XXXX dollars they said that was not enough. I went in XX/XX/XXXX or XX/XX/XXXX to trade the car in they offered XXXX at rogers auto group and they denied the payment and said I owed over XXXX dollars which was fraudlent. I owed about XXXX when I went into bankruptcy they paid a little less than XXXX dollars to the XXXX finance and out of trying to work with them they said I had to give them XXXX to keep the car and continue to pay XXXX mthly so I gave the car back they sold the car at the auction for XXXX less than what I offered and the trade in amount. On the deficiency letter it said amount owed XXXX which was correct they sold the car for XXXX and left a smaller balance now as of XX/XX/XXXX or XX/XX/XXXX these people added another sierra accont for over XXXX when they sold the car in XX/XX/XXXX I sent the letter in from sierra to all three credit bureaus and they refuse to delete the fraudlent items. how can I owe more money? The letter clearly stated I owed XXXX something but even with that they put a fraudlent account of over XXXX I have been disputing this since XX/XX/XXXX. Im frustrated and I am ready to sue because its wrong. Can you please look into this get it deleted and let me go on with my life. I called XXXX I emailed them and they still will not correct so once I sent it in XXXX and white they should have deleted the items. I have copies but I can not attach them from my work computer
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

I had a lease with XXXX XXXX XXXX and there is a dispute between the two of us about whether I owe them {$3600.00}. National Credit Systems has reported this disputed debt twice on my credit report ( to XXXX and XXXX ) so that it appears as though I owe {$7200.00} to XXXX XXXX XXXX National Credit Systems has confirmed when I call that they are not seeking to collect {$7200.00} from me, only {$3600.00}. However, they have continued since XX/XX/2012 to report XXXX accounts for {$3600.00} in an effort to pressure me to pay.
Consumer complaint received 2016-12-05
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello : I 've been to Bank of America at XXXX New York XXXX three times in the past 6 months to cash a large check up to {$5000.00}. Each time, I was treated with extremely rude disrespect by that branch manager. He accused me of trying to cash a check that was n't real and treated me as if I were a criminal. Each check I submitted for remittance was indeed legitimate, but I had to go elsewhere and spend money to cash them. I truly hope that the manager of this particular branch gets a lesson on how to treat customers.
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc. (FL)

ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX  XXXX fraudulently acquired by information without my consent, therefore committing identity theft and furnished deceptive information on my account attempting to collect a debt that was charged-off the credit issuer. Also violating my privacy. The continued reporting of this item is a violation is of FDCPA, FCRA, GLBA, and Identity Theft of with TransUnion, XXXX, and XXXX and other CRAs, that publishes this fraudulent information are equal participant thereof.
Consumer complaint received 2016-11-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (FL)

I have summited many letters and conference calls with my insurance XXXX XXXX employee and my insurance and I have submitted many letters indicating that they have till XXXX/XXXX/2016 to billed so they could paid. my insurance company paid a full amount of XXXX I received an correction and billed me again for {$15.00}. which i send the check already. but I serousley beleive that this need to be investigated a hospital so big and part of University XXXX have to use a XXXX do n't sound correct. 
pre approved for 6 days in XXXX Hospital and paid in full, I have many times gone to the Hospital to get my records and was told they lost them, my insurance provided me. 
I have contact all this collections agencies nut they are rude and unwilling to hear me. 
XXXX XXXX s also part of XXXX Hospital which I went there for and XXXX because was driving and XXXX and my insurance pays but they billed for an XXXX. I have send proof of XXXX charge but they have interns should n't be putting XXXX codes and now is been in my credit and can not seem to locate THE XXXX DOCTOR that forgot to place a # 1 on billing code for Emergency visit but they did bill and collected. 
Please investigate this is not making sense anyone can send you a bill and put you in collections, when my insuance paid 100 % my husband pays XXXX dollars a MONTH FOR PROVIDING US WITH THE BEST AND HE IS XXXX AND XXXX XXXX VET. WHICH HE IS NOT WORKING SO OUT INCOME HAS DROPPED FROM XXXX TO XXXX DOLLARS. 
WE ARE ALWAYS ON TOP OF OUR CREDIT AND I WAS IN THE IMPRESSION THAT MEDICAL SHOULDNT BE IN YOUR CREDIT. PLUS THEY ALREADY GOT PAID. THIS IS MAKING MY XXXX XXXX UP. HOW DO WE KNOW THIS IS A LEGITIMATE COMPANY.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2016-12-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (GA)

A year ago XXXX XXXX to be exact I did a loan with titlemax, I borrowed {$5000.00}. I have been paying like clockwork the minimum of XXXX a month and some months a little more. My principal has not moved. I currently owe XXXX a year later, I found out when I went in to make my payment because I had been doing them over the phone that the XXXX had only been interest. I truly could n't believe this because this was not explained to me at the time of the loan. I 'm on a set income XXXX to be exact I have XXXX kids and medical expenses. This really broke me down to know that I 've XXXX near payed almost XXXX dollars and still owe XXXX. I feel I was tricked, I was told all I needed was title and spent a good portion of the day getting the title changed in order to do the loan,
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Resurgent Capital Services L.P. (CA)

XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX ( Arizona XXXX ) recorded a deregatory item on my credit report acount # XXXX. I called XXXX XXXX at XXXX XXXX and he has the detail that the item was paid off back in XXXX XXXX, 2014 but yet the item still remain on my credit report. Please help me remove this item from my credit report. 

XXXX XXXX
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

im write for someone to help me with my mortgage i been fight with my mortgage company for over1 yaer .im doing a loan modification i send all my document i will call to check on my documents they will say call back in 2 to 3 day they to be scan in I call to speak to my relationship manage the number allways busy .call to speak to someone in customer service they tell me to send the same documents i just send.NOW WE ARE WITH A DIFFERENT MORTGAGE PLEASE HELP ME!!!!!!!!!!!!!!!
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC (CA)

A XXXX XXXX XXXX, left a voice mail on a distant relatives phone stating his name and that he was with an " Altantic Recovery Solutions debt collection agency ''. Stating '' that its an extremely important matter against her that she contact me immediately. That this was not a solisitation. Tell her to contact me here immediately '' This same message was left on my husbands family, unlisted public answering machine for all to hear. 
Ive never received anything in the mail by this company or ever heard of them. 
they have violated the 3rd party disclosure law and i will pursue any charges that are available to me. 
Thank you
Consumer complaint received 2017-01-20
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ECMC GROUP, INC. (GA)

ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.