davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (OH)

ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report.       Last Reporte d  XX/XX/XXXX Col lection Agency CONSERVE Original Creditor   XXXX   XXXX   Status Open Opened Date XX/XX/XXXX  Clos ed Date -- Responsibility Individual Account.   Balance {$61.00}  High Balance {$6 1.00} Remarks -- This was fr om  XX/XX/XXXX  and the correct amount was {$81.00} I disputed this with the original debtor and it was written  off as a billing error
Consumer complaint received 2017-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX/XXXX/17 I withdrew from my checking account {$300.00} which left a balance of {$900.00} ... later I went to with withdraw the balance which was one withdrawal of {$800.00} and the machine say that I had already withdrawned my limit I tried again to withdraw {$100.00} the machine says again that I had withdrawn my limit ... I went the next day on XXXX to attempt to withdrawn funds my balance was only {$59.00} ... I filed a complaint with the bank to get my funds the bank informed me that I would have to wait 7 to 10 days while they investigate before they could credit my funds to my account ... I do believe that this is customer abuse from this institution ... I have had no funds for food, gas or to pay electric and/or mortgage ... I 'm appalled that any institution would inconvience any customer in this manner. I desperately need my funds.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

On  XXXX   XXXX  ,2017 I was  offered a settlement to pay off a collection in the amount  XXXX  and they would remove this from collection and report it as paid in full. It 's now  XXXX   XXXX  ,2017 so  I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with  XXXX   XXXX  extension #  XXXX  where she blatantly lied to me telling me they have reported to the bureaus on several time s  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  of 2017 as  being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

Years ago I received threatening and hang up phone calls concerning some debt I allegedly owed followed by correspondence from a law fi rm ( glorifi ed debt collection agency ). If I remember correctly, I replied to the correspondence with a request for proof of the debt. No such proof was ever received. Now, years later, the debt collector/law firm has apparently obtained judgment to garnish wages. What 's going on?
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED
Consumer complaint received 2017-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a checking and savings account with bank of America for about a year  (   XXXX   ) . My purse and cell phone was stolen which had most of my personal papers and information inside in  XXXX  of   XXXX  . I went to the bank on a Monday morning when they open to tell them about my situation. I did all the paper work and filed a claim and closed that account out. I then again went to the following day to reopen a new account to set my direct deposit for work back up but I was then told that I was not able t due to my account having fraudulent activity. Someone tried to upload fake checks into my account and then tried to take money from my account twice. I again explained to then bank people that my personal belongings were stole. MY Phone which was a  XXXX  did n't have a passcode and also had my bank app and my emails and things on it was stolen as well. I Then talked to the fraud department on the phone and she told me that the phone that uploaded the checks was a  XXXX  which I had a  XXXX . I ask them if they could look at the atm cameras but was told no. So I felt like that was wrong but I  ten  went to   XXXX   XXXX   XXXX   and opened a account with them until one day my account was closed out the blue. I then had to go to   XXXX   XXXX   and ask them what happen and was told that bank of America sent to the consumer agency that my account had fraudulent activity which made me not able to open up a nother bank account with any bank. So the banker at   XXXX   XXXX   helped me fill out the paper and send it to the consumer agency to dispute everything but I still have n't got a reply or anything and its almost been a whole year. I feel that if somone actually comes to the bank to report something on there account due to lost personal info or identity stolen they should take into consideration and help that person instead of blaming them.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  X/2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

Certified letter was received by the company on  XXXX   XXXX . I had questioned some entries on my credit report. The company failed to respond or report it as disputed on my reports within the 30 day time period. Violating the FDCPA and FCRA. I believe this is up to a {$2000.00} violation now.
Consumer complaint received 2017-09-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AZ)

A few weeks ago (X/XX/2017)) I got a letter from a collection agency telling me that my creditor for my student loan wanted the full amount that I owed them. The last time I heard from this company was in XX/XX/XXXX stating that I owed them $XXXX, which I paid. I have also been paying them regularly ever since. The letter told me that the account was placed in collections on X/X/2017, however I never received any written notification (either by email or regular mail) of the company's intent or options available to me to collect the money owed to them. The letter doesn't even tell me the original company that gave me the loan, therefore I cannot even contact the company to talk to them about the matter.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

What happend this it all about a utility bill, so I 'm going to describe what happend I moved from my previous address at the end of XX/XX/XXXX so I called the pse and g which is the electricity company to disconnect the service and to send md the final bill to the address I gave them that time, so they send it to me I do n't remember exactly the amount but it was 100 and some dollars so I paid it by money order and send it by the mail, at XXXX I moved to Maryland after year and half even more I get a letter in my mail from a company called XXXX XXXX XXXX that I have collection of XXXX so I called them they told me this from past due electricity bill so told them ca n't be true because I have paid it anyways to have less headache I paid it same day and they told me we will send you a letter that you paid it but Even tho I paid it the damage is done because Already they report it to transunion, now my issue why the electricity company did n't contact me or send me the bill they assume that I owe before send it to collection agency and even if they send it to collection agency by law they give 30 days before report it to transunion and this company XXXX XXXX send me the mail at least a month late and when I asked them why they say we were looking for your address are you kidding me it 's unprofessional at all anyways I hire a company called XXXX XXXX XXXX to remove it from my report now it 's been paid since XX/XX/XXXX and they never remove it and it 's unfair because I work so hard to keep my credit report clean, I blame the pse and g and the XXXX XXXX for this because if I knew for one second that I have a bill I have to pay I would pay it right the way so it 's there fault from not notify me, now please I 'm asking for your help because I tried so many times with transunion to remove it by sending them letters and XXXX XXXX XXXX as well send them letters and nothing happend so now XXXX XXXX XXXX send them again notarized letter for the fourth time and usually it take 30 to 60 days from them to respond but they did n't thank you again for this opportunity to help me fix this issue.
Consumer complaint received 2017-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (GA)

The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt an d my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If I.C. Systems does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

YOUR COMPLAINT My credit score fell from  XXXX  down to  XXXX  because a company by the name  XXXX   XXXX   XXXX  hard inquiry was removed by Equifax. Equifax on their prerogative removed the negative report from my file. This reporting agency now penalizes me by shaving off  XXXX  hard earned points from my credit score. Equifax  Credit Reporting Agency is p enalizing or deducting points from my credit twice for the same action. The activity was performed on  XXXX   XXXX ,  2017. C redit  Reporting Agency h as continue to penalize my Credit score frequently for actions that I have no control over. Their response is always that, they have a mathematical calculation that effect these double punishment/score deductions for the same offens e ( hard inquiry, and the hard inquiry being removed from my credit report by the Agency when the stay period elapses ).    Equifax is a victimizing credit reporting agency.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (DC)

I am in a   XXXX   XXXX   XXXX   with  XXXX  assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I was a student at XXXX XXXX XXXX.before they changed the name to XXXX in XXXX Fl the school had falsely advertised being able to transfer your credits and would assist with job placement. Unfortunately while i was there not only did i find out through going to an internship program that the school was not accredited and through XXXX XXXX XXXX who advised they would not accept any of the credits but throughout all of this horrific experience not only did i waste my time but everything came to a sudden end when the schools Dean was convicted on embellishment charges. everything came to an end and the school had closed down. So all the students left with nothing no graduation no confirmation to what we should do because I could not transfer any where because no other schools would accept or take any of the bogus credits. i regret ever going to this school if only i had known the true outcome because now they keep charging me to pay all of these fees and i have been dealing with serious health issues from XXXX XXXX XXXX XXXX which at times i cant walk and XXXX in my hands including XXXX. I have been in and out of hospitals for years and have not been able to work i am struggling have dealt with evictions had to get help from XXXX XXXX who paid my rent if they people in the church are not helping me i receive food stamps as well. they never offer a way to just pay what i owed when i was in the school i never went to XXXX i was shocked when they reopen under a different name. i am being overly charged all these rates and i do not know what to do they call every day early in the morning late at night on the weekends its insane and i never gained the education i thought i would jut an over exaggerated bill.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MD)

On several occasions I have asked Diversified Consultants to end all telephone communication because it is harassing and during the course of the day when I at my place of work. I also instructed them to have all communication ( s ) pertaining to the matter sent to the address they have on-hand via USPS. To day I received yet another call at XXXX and advised the young lady once more to cease and desist all phone contact. I need to FTC to contact this collection agency and inform them that they are violating my rights and my request to cease all phone communication.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARS National Services, Inc. (WA)

On XXXX we received a letter from ARS national stating that we owe some money that was n't paid. This is the first documentation we received concerning this issue. When we looked in to it we have never had an account with the credit card company mentioned. We did then pull a credit report and it is showing up on our report. We need to get this removed and our credit repaired. This is not us.
Consumer complaint received 2017-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC (FL)

Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft. 

Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

Seeking assistance from Wells Fargo dealer services to defer my late payment/outstanding balance to the end of the loan to help bring my account to current status. When I call for assistance they are extremely rude and unhelpful, I also sent an email last week and have not heard back. They continue to call our friends and family and our cell phones constantly harassing us with no alternatives. Please ask them to review request to defer loan and to please stop calling our friends and family for both myself and my wife XXXX XXXX.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and XXXX personal loan accounts is listed on my Trans Union, XXXX and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX  XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I filed a complaint with the reporting agencies stating that the Public Record Information was inaccurate. It is my understanding according to Public Record law and dictionary definition that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. I approached the Bankruptcy court where the case was initiated and the Bankruptcy Court has confirmed that they did not verify by documentation. Although I received proof that the reporting agencies did NOT " verify '' from the origin, the credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Residential Home Mortgage Corporation (PA)

XX/XX/2017 Residential Home Mortgage processed a hard inquiry on all three credit bureau agencies XXXX XXXX and XXXX reports without my concent in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Collection Management. Inc (MO)

Hi I am with Credit repair and they removing negative Items off my report and the collection place put two of them back on the name of them are Cosumer collection management for XXXX and the other one is XXXX XXXX {$560.00} and {$550.00}
Consumer complaint received 2017-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

After contacting Wells Fargo to obtain some information about the loan ( insurance payments, escrow payments, tax payments ). 
The fallowing month my escrow account was emptied of XXXX ; and my payment went up XXXX a month with No increase in taxes, and a XXXX ( XXXX ) a year increase in insurance. 
I have contacted Wells Fargo numerous times and was given different explanations three times by XXXX XXXX. 
I finally received a letter that did nothing but show the increase with no explanation for the cause of such a substantial increase in my monthly mortgage. 
I have yet to receive any letter showing why Wells Fargo emptied the escrow account