davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2.

The following information is not related to any transaction or activity performed by me : XXXX XXXX - XXXX ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier.

Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I use XXXX to download my monthly bank statement via web connect and import it into the program. I purchased the program in 2010 and have been billed by Citizens Bank {$9.00} every month since then without my consent or knowledge. The fee is not labeled on my Citizen 's statement and I thought it was a " phone '' use payment ( and is marked as such in my XXXX files XXXX. I finally called and visited the bank about this today to help me identify the source. The gentleman there called into the company and stated it was a quicken fee. I did a little research when I returned home and realized it is a bank fee for the online bill paying service. I do not use bill paying, only web connect, and never signed up for it anywhere. See the instructions Citizen published info on its website regarding signing up for this service. ( XXXX XXXX ) ( this is for pc but there is a similar one for XXXX XXXX. I then called into the number on that page and another person said I should be checking my monthly statement and he would reimburse me only two months.
Consumer complaint received 2016-09-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I disputed an alleged account that Midland Credit Management , Inc ( MCM ) is reporting in my credit file. On XXXX/XXXX/2016, MCM sent a letter where the state that they were opening an investigation regarding my dispute. On XXXX/XXXX/2016, MCM sent a second letter requesting my assistance to verify the accuracy of the credit information being reported. MCM has not provided to me any account-level documentation, such as, a signed contract, purchase and payment history, computation of fees, interest, etc..On XXXX/XXXX/2016, MCM updated/verified the accuracy of the information to XXXX but did not submit any account-level documentation to support the accuracy of the information disputed in clear violation of the FDCPA and FCRA.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC (AL)

I reached out to the original creditor XXXX on XX/XX/year>. I asked if we could settle our debt. We came to an agreement that I would pay XXXX and our debt would be settled. Although we settled, XXXX still turned my account over to a collection agency. The collection agency is DNF associates. I provided proof of payment to DNF. XXXX  also confirmed that we settled and DNF still reported in accurate information to my credit report.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

On XX/XX/XXXX after putting my complaint referring to this account, which in different occasion, expressed that did not belong to me, Pinnacle Credit Service LLC sent me a correspondence signed by an executive named XXXX XXXX ( complience division ) Which determinated that after an internal investigation, had decided to removed it from their systems whithout basis or livelihoods to keep it in my reports, according to clearly stated the letter, he asked the XXXX major bureaus remove the same, today XX/XX/XXXX, checking my information at XXXX I find the account again in question, which appears paid off completely, never made any payment since they do not recognize this debt as mine, I made the correct procedures under my rights validation according to the FDCPA 15 USC 1692 Sec 809, whithout ever receiving a response from the company, is illegal under FCRA force report unverifiable and inaccurate consumer data, if determinated to give it as paid, it was an action itself Pinnacle Credit Service LLC as I said not paid off this I note that is not mine, remove this information inmediately from my credit reports, first case with CFPB XXXX
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I have been trying for several years to access my HSBC account. First, I tried to withdraw my money from an ATM, only to learn that my ATM card did not work. I went inside and was told I could only be assisted over the phone because I had opened my account online. Once I called, I was told that my account was locked because I had not accessed it. I asked for it to be unlocked and was told that I would have to submit a letter with photo ID. I sent this in but never heard back and, to be honest, forgot about the account. Then, in XXXX of this year, I received a form that my account was in dormancy status and would be turned over to abandoned property if I did not complete the form, have it notarized and return it. I did this step and mailed it on XXXX XXXX. Today, after receiving an email from the bank that my statement was available, I tried to login, but can not do so. I called and spoke to XXXX ( employee ID XXXX ) who verified all of my information and then told me that my account was still in dormancy status and that there was no record of the form I had returned. He further said that there was nothing that he could do other than send me another copy of the form I had already completed and returned. I know that my balance in this account is {$310.00} and all that I am trying to do is retrieve my money.
Consumer complaint received 2017-03-02
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC (MI)

I recently started a job, and today I received this email from the receptionist : Hi, Someone from Allied Interstate , LLC called a couple times today for you. you were n't in the office and I transferred him to voicemail. He chose not to leave a message and called me back a few hours later. 
I suspected this was a solicitor. When you were n't available, he asked who you report to. I asked what it was regarding. The caller became aggressive and would n't tell me what he wanted, saying that what he was calling about did not affect who you report to. He gave me information about a debt that I should n't know about. When I told him you were n't in, he hung up on me. 

This is a new place of business and my boss has mentioned this to me. Places like this want to collect you 're outstanding debt, but this is now reached harassment at the workplace and these tactics have placed me at risk of losing my job. In that respect that means " No job=no money ''.
Consumer complaint received 2024-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (SC)

I am more than willing to pay any legitimate debt in which I lawfully owe on the Condition you provide me with a true, correct and exact copy of the following : Please provide validation that clearly shows I owe the amount youre claiming including a copy of the assignment contract or agreement that supports your claim. 

Please send me a detailed account statement that includes all transactions related to this debt, including the original creditors name and contact information. 

If you acquired this debt through assignment, please provide documentation that confirms your authority to collect this debt on behalf of the original creditor. 

Please include a detailed breakdown of the account fees, interest, and other charges that have been added to the original balance. 

Please provide your license number signifying that you are qualified and registered to consumer debt in South Carolina? 

Please provide me with your Bonding Company information along with your bond number and insurance company and policy information to indemnify me in case you cause any damage/ injury. 

Please provide me with a True Bill in Commerce for this account.

Please provide the full accounting both accounts payable and accounts receivable under GAAPs principles. 

- XXXX XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ECMC GROUP, INC. (KY)

I have received repeated phone calls from XXXX XXXX concerning a debt owed by another person, same name each time. Each time I have told them that they have the wrong number and each time I am told they will mark their records accordingly and that I would get no more calls. Received another call this morning XXXX/XXXX/XXXX at XXXX XXXX from XXXX. When I tried to explain the situation and told him that I was going to file a report, he hung up.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Trans Union left it on my file.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX I have several inquiries on my credit reports some of which are duplicates of at least XXXX different dates that someone had tried to use my information to open an about. As well as a new collections account that i have absolutely no idea about nor did i ever authorize anyone to use my information for anything at all.
Consumer complaint received 2024-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MD)

In XX/XX/scrub> XXXX  I applied for a HELOC loan from Navy Federal that was initially approved and the denied for no reason I had a XXXXredit score over XXXX and provided all the documentation they requested, I've offer heard other people complain about discrimination at Navy Federal but never experienced it until now.
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TN)

On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
Consumer complaint received 2024-10-03
Product: Credit reporting 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. (NJ)

There is incorrect information on my credit report governed by 15 USC 16c-2. I believe this error is harming my credit score, and I did not approve the inquiries listed.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX after calling Trans Union to dispute XXXX entries on public records to agent that XXXX XXXX XXXX for the amount of {$4600.00} and XXXX XXXX County Court {$520.00} should be removed like all other creditors in chapter XXXX bankruptcy ( see attach XXXX ) and XXXX sold account to other collection agency which resubmitted my closed account on my credit report as " open '' when it was discharged also in bankruptcy. ( see attach 6 ) After calling about these complaints for dispute my account was locked by agent ( see attachs 10-14 ). I had explained to agent that I had answer all the security questions correctly and it was wrong in their system ( Trans Union ). I explained to agent I could proved that " grandfather name '' I was given was correct, but the agent did not accept my information and request he only way for my account to be unlock " I must send in picture ID ''. I explained to agent that I did not feel comfortable sending picture ID due to on going identity thief and other major reasons. 
I truly feel the standard for Trans Union to make " only request to verify my identity is with a picture ID '' is open to discriminated any future dispute against me because of my race, sex or religion. Their are other ways for verification a person identity other than picture ID. Some example I can list from other vendors who verified a person identity : SSN card, current utilities or cable bills with name and address, payroll check studs. 
The method Trans Union is enforcing requesting a picture ID is largely open to discrimination with an individual to denied any dispute or not updating credit files that can damage a person credit rating base on race, sex or religion. 
I am pleading with the CFPB to look into the method Trans Union is using for verifying an individual identify. I know my account was locked after making a dispute claim which, now Trans Union is requesting a picture ID to unlock my account. 
With my account locked by Trans Union I am unable to check if any inaccurate information has been posted to my credit that can damage my credit rating. 
Also this is a way for Trans Union supporting creditors who are conducting improper illegal actions with false information posted to an individual credit with problematic to discriminate against the debtor credit report. 
Also requesting XXXX derogatory remarks to be removed from my credit report 1 ) XXXX XXXX XXXX open XX/XX/XXXX should not of been open. Account closed in bankruptcy XX/XX/XXXX from XXXX XXXX. 
2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$4600.00} removed like other accounts in bankruptcy XX/XX/XXXX 3 ) XXXX XXXX County ( XXXX XXXX ) for {$520.00} lien for sewer bill and not a tax lien in bankruptcy 2014
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (NC)

About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I had a fraud alert put onto my credit report because I am a victim of identity theft. I have filed a complaint on Identitytheft.gov and with the XXXX police department. This agency refuses to remove the fraudulent XXXX and XXXX accounts from my credit report. This agency refuses to investigate the fraud and is insistantly harassing me by keeping this fraud account on my credit report. I have complained repeatedly but the credit report agencies do nothing.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (AZ)

I am a retired veteran. 
When my loan originated my wife, who is now deceased had XXXX. 
The loan should not be legal at all with this XXXX. 
XXXX will not help me save my home. 
I am XXXX and could be homeless. 
My home is upside down by {$80000.00}
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Richard Sokoloff, Attorney At Law (NY)

I get phone calls weekly from a XXXX asking for payment of a debt for a doctor which has been inflated to include a {$92.00} fee for the collection. I answer sometimes and call back sometimes because I am afraid if I do n't they will take further action. He challenges me and tries to get me to say things that are not true. I have told him several times that I will pay the medical bill but not the extra fee even though I felt the original bill was inflated and my problem still exists. I have been through a very rough time in my life. I have been trying to fairly resolve issues that went unresolved during this time period.
Consumer complaint received 2016-09-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lionstone Holdings Group (SC)

I got a collection call from this company call lionstone holdings. They have contacted my mother and told her I was being served with papers for a debt I owed to a loan I took out in XXXX 2016. I called the number who called to get more information regarding the issue and spoken with a guy name XXXX. He wanted me to pay a balance of {$1500.00} and I advised him that is too much. I can not pay that and informed to set up arrangement to make payments plus I was unemployed. I made a first payment of XXXX on the account and I tried to get an extension out and he became very rude stating I would face judgement and be sent to court. I just wanted to extend my balance out but instead he became very disrespectful and rude then disconnected the call on me when I needed assistance with extending. He is very unprofessional and threaten to take me to court. I will love to have someone different over my claim because I am trying to pay back this loan but I do not want anyone disrespecting me when I am trying to work with them in this matter.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX