davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom it May Concern, I took out two private student loan accounts during XXXX school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XX/XX/XXXX of my fellowship training year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these XXXX accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: M&T BANK CORPORATION (PA)

I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. XXXX
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
Consumer complaint received 2017-07-31
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. (TX)

This concerns an old XXXX XXXX XXXX XXXX credit card account that was a charge off. XXXX XXXX contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and XXXX. The major credit bureaus are reporting that XXXX is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims XXXX hasnt checked with them at all about the disputed balance. Had XXXX contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (GA)

I received a phone call today telling me a court case was being opened up on me to bring criminal charges against me. I called the number on the message and they informed me this was regarding a bank account that I closed with U.S Bank back in 2005. They stated U.S Bank is bringing charges for attempting to defraud a financial institution for overdraft fees left on the account. I never received any notices in the mail or phone calls stating I had a negative balance left on the account after I closed the account. The amount was never placed on my credit showing I owed this balance, and by my accounts I did not know I owed them anything until I received this phone call today. The amount that they 're saying was left on the account is {$760.00}, but the amount owed in the court document is {$2200.00}. I do not agree with this, I believe this may be potential fraud and I should not be held liable for something that I did not know was out there until 12 years later.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00}  Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be  mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America Email, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, XXXX. XXXX FDIC. XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Vengroff Williams, Inc (MD)

This company threatened to suspend my drivers license on an account that I have been paying monthly on for the last 2 years. I made XXXX payments via check in XX/XX/XXXX and XX/XX/XXXX. Unfortunately the company did n't receive the payments. I told them I would go online and pay the first payment, but my bank told me the other check had been cashed. I was waiting for the copy of the check and I was in constant communication with the company. I left several messages and told them that I would go online and make they payment. Every time I talked to them they threatened they were going to petition the court to suspend my license. I am a law abiding citizen and understand that this debt was my fault and I have been making restitution. To decided to take someone 's license away because they did n't receive a payment or XXXX is ridiculous. I have been doing the right thing and should n't be threatened when I was making payments. The debt was {$2400.00} when we started and it 's now under {$1000.00}. I have certainly been doing my part. This is n't the first time I have had issues with the collection tactics of XXXX. Furthermore this company never notified me in writing that they would have the power to suspend my license if I was behind in anyway in my payments and when I told them they could n't take my license away because they were a debt collection company, XXXX said they were a subrogation company and that was different. On all forms/statements it says they are a collection company trying to collect a debt. So what are they??? I have attached a copy of a statement showing how much I have left to pay on this account. Please help me!!!! This company should not be allowed to do business this way. Especially when someone is communicating with them in regards to the debt.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

I owed a debt to XXXX credit card which was turned over to ERC collections. They call me, harass me, when they hang up at my home, they call my cell and do the same. They have threatened to send me to jail then asked for my husband and threatened him. They call all types of the night after hours and even speak to my children.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MCMC Auto LTD (TX)

I have a recently purchased a auto loan MCMC also known an mike carlson motors company in XX/XX/XXXX. I recently became due for my second payment XX/XX/XXXX, Sunday. Keep in my I secured a post dated payment for XX/XX/XXXX, Saturday for my payment due to my paydate being deposited friday evening giving time for funds to clear into my account. I received a phome call today, XX/XX/XXXX from MCMC customer service department. I confirmed that i did secure the post dated payment last week, however the customer service representative was abrasive and rude. Advising i should have paid my car loan on my last paydate, knowing i was due the XX/XX/XXXX. I tried to inform i had cover my rent and other bills ... .but she was still rude, cut me off in mid sentences. Threatened that there was no grace period and my account can go into management review, when i inquired on what she meant, no direct answer or clarification was given. To me, felt like a threat rather than a fact. I understand I have a responsibility amd communication should be given. But if i feel threatened or not given the chance to speak or provide my feedback, that 's a major problem. I have worked in the auto collections industry over 6+ years, and i know as a consumer and a worker who maintain FDCPA laws, this is not what their practicing. And they should be reported or monitored on how they talk to the consumers or customers. They will not XXXX or have a business if they continue to use their practices.
Consumer complaint received 2017-08-01
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. (TN)

The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( SYNCB/AMAZON ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from XXXX, TransUnion, XXXX. The following eight companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX  MARYLAND Date XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX  MARYLAND Date XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to XXXX, XXXX, and TransUnion to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, XXXX, and TransUnion to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX
Consumer complaint received 2017-03-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I contacted PayPal to inquire as to why a transfer of funds was " Pending '' and not sent. I was informed by " XXXX '' that the funds were in fact sent but were currently " at the Federal Reserves so they can confirm the money and the bank account are [ mine ] through the Federal Reserves clearing process. '' I asked to speak with a manager and proceeded to hold 10 minutes. Once the manager, " XXXX, '' got on the line she stated PayPal no longer had the funds and that there is a 3-5 day clearing process by the Federal Reserves. I stated the Federal Reserve does not " hold '' funds as it is an automated clearinghouse function. XXXX stated PayPal does not hold any funds. Before disconnecting I confirmed what I learned from my inquiry was PayPal sent the funds to the Federal Reserve and the Federal Reserve currently had my funds to confirm they were actually mine and my bank account was actually mine. XXXX confirmed this was accurate. I stated I would be contacting the Federal Reserve. 

Following the call I contacted the Federal Reserve and was told " PayPal continually tells customers money is being held by the Fed. '' I also learned there is a max of 2 days to hold funds. I inquired about who governs PayPal and was told the CFPB. Once I disconnected from the call I logged back into my PayPal account and the transaction was magically marked " Completed '' and no longer " Pending. '' Can you please explain how UDA ( A ) P would not apply to this situation? Is this not an example of a misleading act ( or even practice given the statement made by the individual with the Federal Reserve related to PayPal continuing to tell customers the Fed is holding their money )?
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXXXXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX