davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

Hi, I was checking my XXXX credit report tonight and noticed a collection account as shown as follows : MIDWEST RECOVERY SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe XXXX, nor have i ever taken out a payday loan with XXXX due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at XXXX was months ago for like around XXXX dollars, I have a great record with that company XXXX in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other U.S. Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

This judgement was placed in my bankruptcy and it is now showing as a judgement. I went to the court house and got it DISMISSED/SATISFIED. The courthouse has then put it in the system, at this time I disputed, faxed and mailed in a dispute regarding this account. I went from getting a court date, sitting for XXXX hours, and getting the neccesary paper work needed to get it removed. Equifax then tells me that it can not be removed off my credit report. I call the court house and ask them and they no longer see it in my file. I keep disputing where as Equifax takes about XXXX days to get back to me to say its not going to be removed and only " SATISFIED '' where they are ignoring where it says dismissed also. I want this judgement removed seeing that it was in XX/XX/XXXX and my bankruptcy was in XX/XX/XXXX, on equifax reporting it didnt show up until XX/XX/XXXX and it was a XXXX party vender.
Consumer complaint received 2015-12-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. 
I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. 
According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. 
Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. 
I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. 
I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks
Consumer complaint received 2015-04-28
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Collection Information Bureau, Inc. (FL)

I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me
Consumer complaint received 2015-04-28
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Onity Group Inc. (FL)

After discharge of a chapter XXXX bankruptcy, where the XXXX lien was stripped by the court, due to the declined value of the property, the XXXX lien holder filed a motion ( subsequently granted by the judge ) to re-open the bankruptcy as they felt they had not been notified of the intent to strip the lien. This in all likelihood was due to the XXXX lienholder failing to record the lien timely. However, i was not notified by the XXXX lienholder attorney that a motion was filed. The mortgage company never notified me of any issues, the mortgage company 's counsel never served me, I found out about the motion through the title company while trying to close the sale of my house. The sale has now fallen through due to issues with a clear title, so now i have not only lost the sale, but am also responsible for the buyers appraisal and inspection fees.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ACCESS GROUP INC. (FL)

Access Group , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX is calling my fax number XXXX a week and sometimes several times a day via Robo call system. I finally called them they are collecting student debt. I do n't have student loans, i do n't have kids and have not guaranteed anyone. The lady that answered the phone did not even know the address of the building she worked in. After pressuring her she told me. She said she would try to take my Phone number off but did not guarantee it.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX should not be showing up on my file as a serious delinquency. I was not even aware of this until my ex husband told me we owed this money and it was past due. This occurred after our divorce. He was held responsible for the amount as a result of our divorce decree. I do n't believe it is showing up on his file so why should it show up on mine. Please remove. It is unfair that I should be paying for his mistakes. Thanks, XXXX XXXX
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (AK)

Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN XXXX days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN XXXX days.
Consumer complaint received 2015-11-07
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (TN)

I begin receiving text messages on XXXX/XXXX/15 from a Company call NetSpend. The first message said reply yes to enroll, thought I was deleting but hit reply button, but did not send I closed the message. Then I immediately begin receiving messages from them saying my card ending in XXXX is activated. The next XXXX message starting saying how much was available after a purchase at XXXX I received XXXX messages like this. I looked up NetSpend 's phone number on the internet, the person I spoke to said it was a prepaid card. She said these cards can be purchased at XXXX XXXX, XXXX, etc. I advised her I did not purchase their card and that this is Fraud. She advised that I text the number XXXX and send a message with the word STOP, which I did. I believe this company is committing fraud.
Consumer complaint received 2015-04-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: EQUIFAX, INC. (NY)

I tried to apply for account with XXXX XXXX. I was declined because Equifax XXXX for being a victim of fraud in the past. Unfortunately, there is no way to dispute or get removed from this XXXX. Equifax maintains and sells this XXXX ( of all past victims ) because it considers them guilty and part of the problem. I have several banks reject me similarly because of this blacklist in the past. I filed complaints ( eg Case number : XXXX XXXX, however, Equifax refused to remove me from XXXX. Equifax is acting as an underground court deciding who is criminal and who is not. Equifax is not a court of law and is not authorized by any govt agency to assume all victims of fraudulent transactions as criminals.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NY)

XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX
Consumer complaint received 2024-11-11
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked for a reinvestigation into the following accounts as they were not mine only to have been told they verified the information. I know this not to be true because these accounts aren't mine. i've since received documentation on the accounts in question with the following results. VERIFIED AS ACCURATE AND UPDATED. The problem with this is as follows. 

These accounts were charged off on the following dates : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX  # XXXX XX/XX/year> XXXX XXXX  # XXXX XX/XX/year> Since then all the accounts listed above have repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. i am demanding a deletion of the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX investigations are not being independtly conducted and this is a violation of my rights.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

As I was reviewing my credit report I came across unauthorized information reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Bank of America was unable to help me and I had to call the bank that issued the check to discuss. 
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Bank of America, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged from my credit report.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sullivan Asset Management, LLC (TX)

A man who has introduced himself as XXXX XXXX calling and claiming he 's calling from XXXX XXXX XXXX has repeatedly called my place of employment, has harassed me, people answering the phone and even spoken to my boss. This person claims I have an old debt that I need to acknowledge and states that he is in contact with my county to get me served with documents. I have requested that he send me something in writing regarding this debt or to give me contact information for my original creditor and he has to refuse to do either but continues to call my place of employment after I have asked him several times to stop. He has threatened to have my wages garnished and even accused me of being a delinquent and telling my boss he 's going to get me on fraud charges. I do n't know how else to handle this, I 'm not refusing to pay any debt I might have all I 'm asking for is proof which he refuses to provide and on top of that he 's jeopardizing my job.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. 

We are unable to attach documents because we do n't have email capabilities with this computer.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation (VT)

I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones.
Consumer complaint received 2015-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation (SC)

I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Equifax continues to report incorrect infromation on my credit report. XXXX XXXX XXXX accounts XXXX and XXXX, issued a XXXX. Equifax needs to update their records showing that there is a XXXX balance as they are showing an open balance. Also, they are reporting incorrect data on XXXX acct # XXXX, as this account was a faudulate and should be removed from my credit file.