davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (DE)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (ID)

In my original complaint about GLA Collections I had asked them to provide confirmation that this account was going to be removed from my credit. In their response to me they stated they would request the " trade line '' be removed. This means two things, first, that the request has not yet taken place. Second, they did not provide me any form of confirmation of the request other than their word which means nothing considering they didn't provide written notice or otherwise of this account in the first place. Until they provide me confirmation in the form of a Control # from Eoscar or a letter sent to me via email at XXXX showing the request has been placed with the credit bureaus, I am considering their actions threatening and emotional harassment. 
I have done nothing wrong and this company is ruining my credit every single day, and until I have proof that the removal of this account from my credit is being taken seriously I will consider legal action.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

{$310.00} to Southwest Credit System Equipment returned, picked up at my home XX/XX/XXXX They are currently called XXXX and before signing up for their internet/cable service my previous account was scrutinized by them and there were absolutely no issues in the past or I would have been denied any service with XXXX. In the past XXXX tried to collect a debt that was NOT owed them but took forever for them to admit it. Subsequently this claim is totally bogus and unwarranted. This collection company is out of control and must be reprimanded and never to bother us again.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

Account is with Prestige Financial. Account was charged off and closed on XX/XX/2019 per XXXX  with balance of {$17000.00}. I have made no payments to this creditor since. Again, charged off and CLOSED. Recently. Prestige ( only with XXXX ) re-opened this account and is reporting missed payments monthly and my balance has gone up to {$25000.00}. This month this balance showed up in my open accounts and dropped my score by 67 points. Am I wrong that reopening an account by the original creditor that has been charged off is FRAUD?? How can the balance keep going up when they charged the debt off?? Please help me.
Consumer complaint received 2021-08-23
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: OPORTUN FINANCIAL CORPORATION (NC)

I have filed a dispute through XXXX Credit Bureau and I have called the company twice onXX/XX/2021and XX/XX/2021. The name of the company is Oportun Inc/Progresso Finance. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. Oportun Inc/Progresso Finance claimed that an investigation was initiated, but this information is still included on credit report.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.
Consumer complaint received 2021-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Report : CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$290.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$72.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$220.00} CREDIT COLL ( Original Creditor : XXXX ) -XXXX-Balance {$86.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX {$670.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$1100.00} CREDIT COLL ( Original Creditor XXXX XXXX ) XXXX-Balance {$110.00}
Consumer complaint received 2021-08-23
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. (FL)

I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Oklahoma Student Loan Authority (TN)

I have four accounts with Oklahoma Student Loan Authority. All four of my accounts were in partial family hardship/ income based with a payment of {$0.00} each month which was set to renew or expire XX/XX/2021. I submited my student loan discharge paperwork to Oklahoma Student Loan Authority ( OSLA ) on approximately XXXX XX/XX/2021. Since then, OSLA has continued to report my 4 accounts with them as past due. The accounts also went to collections all during the time the accounts were in partial hardship with an income based repayment of {$0.00}. The accounts were falsely reported as 120 days past due to all three credit bureaus. I have made numerous calls and sent an email for an attempt to bring a fair remedy. On the phone I spoke with several different OSLA representatives ; all of which told me a different story and blamed each of the credit reporting bureaus for the false information report to all four of my OSLA accounts. 

As of today XX/XX/2021 My student loans have all been rightfully discharged with OSLA except {$.00}. My last call to OSLA was on XX/XX/2021 at XXXX where I was assured the false credit reporting was corrected. To this day of XX/XX/2021 the false reporting of my account being 120 days past due payment information is still on my credit reports and have caused my credit score to drop 160 points.
Consumer complaint received 2021-08-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

1. I need to access a very small amount of transaction information for a small business account with Suntrust for which I am listed as the beneficial owner.

2. I contacted Suntrust by phone today, XXXX XXXX, 2021. I spoke with XXXX XXXX. I provided : My name The name of the nonprofit The tax ID of the nonprofit The email address on the account. 

I made available : The business address The business phone number Basic information about the account, such as the date and location of the branch of the opening of the account. 

3. XXXX stated she could not access my account without the last four digits of the account number. 

4. Even though I provided my email address to Suntrust upon opening this account, and even though they sent me emails about my account, none contained the last four digits of the account number.

5. I asked for a supervisor. XXXX said I would have to wait 24-48 hours for a callback. I said I would wait on the line for a supervisor instead. XXXX put me and hold and apparently interacted with a supervisor or manager, demonstrating that one or more was in fact available. Then she hung up the phone on me indicating that she was disconnecting the call.

6. I currently can not access the bank statements because they are in another location hundreds of miles away. 

7. What if someone loses their bank statements and then needs to access the account? Then, they can not do it, except in person? 

8. There are no Suntrust branches near me in my current location of XXXX Illinois, except hundred of miles away. Closest branch seems to be XXXX, Tenneessee, a XXXX to four hour drive. I do n't drive. It will cost me hundreds of dollars to visit a branch and access this information.

9. I called back and spoke with XXXX XXXX. She said she would need the last four digits of the bank account number. I asked for supervisor, who did come on the line eventually.

10. Supervisor, XXXX XXXX, said the bank 's strict policy was : Without the full account number, they need the full tax ID number and the last four digits of the account number. She said she could not access the account.

11. Suntrust has been unreasonable, unhelpful, and created significant burdens with no meaningful relationship to account security. As a policy and practice matter, and as a regulatory matter, Suntrust and other banks should offer additional ways for customers to verify their account information by phone other than the account number ( which most people do not remember, especially for closed accounts ), especially when they do not offer branches nationwide.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-23
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: OneMain Finance Corporation (OH)

One main recently checked my credit report yesterday. THIS WAS A SURPRISE to me as I did not complete any application for credit with One Main. I tried to call One Main and was unsuccessful yesterday. Which is why this is urgent and needs to be REMOVED ASAP. As well provide me with the IP address of the source which a fraudulent application was completed.
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Adjustment Corp. of S.W. FL., Inc. (GA)

To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " Professional Adjustment Corporation '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " XXXX '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XX/XX/XXXX @ XX/XX/XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX spoke to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (PA)

I had a vehicle loan through XXXX XXXX and the car was totaled in a flood. XXXX  was paid by my insurance and gave me another loan for another vehicle. Rather than rolling my old balance into the new loan, it is on Experian as a negative to me? How can I be negative on a vehicle I no longer have an XXXX was paid? Also if I was such a bad customer and owed them money why did they finance my current car? This is an unfair marking on my credit report! XXXX then was paid with Gap insurance and I went over and beyond getting all corrected for them so they would be paid yet AGAIN! This is robbery and credit reports seem to work with these companies that prey on the less fortunate. This amount has been removed from my other credit reports, yet Experian continues to have a WORKING CLASS XXXX woman struggle due to not taking the time to investigate EVERYTHING. I am asking that this debt be REMOVED from my credit report after a COMPLETE and full investigation of total dollars paid to XXXX  on a FLOOD totaled car.
Consumer complaint received 2024-09-10
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. (TX)

in accordance with the fair credit reporting act. 
the list of accounts below has violated my federally protectected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name : # XXXX XXXX XXXX account name : # XXXX XXXX XXXX XXXX account name : # XXXX XXXX systems account name : # XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (PA)

Hello again, and to whom it may concern, I'm still having difficulties with XXXX regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/year>, I requested from Wells Fargo proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX, four accounts were fraudulently opened at Sun Trust using my social security number, Dob, and address. Contrary to the information on your website, Sun Trust has refused to furnish copies of the applications used to open these accounts. I need this information to provide to the XXXX XXXX XXXX Police who are investigating this problem. My Case number with Sun Trust is XXXX XXXX. Sun Trust continues to tell me that the information is confidential and I am not entitled to it.
Consumer complaint received 2021-08-23
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: JPMORGAN CHASE & CO. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (GA)

I checked my credit and saw two accounts from AARGON COLLECTION AGENT with the Original creditor as XXXX XXXX XXXX XXXX XXXX XXXX  for {$380.00} and for {$430.00}. I was homeless at the time of service and asked for financial assistance.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX  is not my account. The account shows as charged off and apparently has been for XXXX  years. 

XXXX via Syncb  is also not mine. The account shows as charged off and also has been on the report for XXXX  years. 

I ask for these to be removed and won't do it. 

XXXX XXXX XXXX, is a valid account of mine, however it is reporting with the wrong amount. The car was voluntarily sent back and they sold the car. The difference should be adjusted, to reflect correctly which should be less than {$3000.00}. However this event happened in 2017. I would like for this to be removed from my credit reports as will be a full XXXX years by the end of XXXX.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Thursday I received a letter from BofA saying an attorney has filed a subpoena with BofA for records. This has to do with probate which my wife 's daughter caused to happen. I phoned BofA Thursday and Friday, XXXX and XXXX XXXX, and was put on Eternal Hold and never spoke to anyone. I tried to make an appointment online but every date I checked they said that date is not available, or they are having technical difficulties. How very convenient. I need to speak to a human being at BofA if such exists. I want a copy of that subpoena and I want to close all accounts. BofA is worse than useless, I should have closed all accounts long ago. I have no idea how BofA stays in business. Customer service is nonexistent.
Consumer complaint received 2021-08-18
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. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021