davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-12
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I disputed medical bills for the last 8 months with collection bureau and  collection agency asking to validate the debt. Finally after 8 months a letter was sent to me in direct violation of my rights according to hippa law. A law designed to provide privacy standards to protect patients medical records and other health information provided to health plans , dr or other providers. Hippa prevents any medical documentation to be shared. when the debt was sold the collection agency or firm that is all they got the debt, no details, just the dollar amount and the date that it was acquired.My signature is signed on terms of agreement XX/XX/XXXX these debts date back to XXXX and still it does not say that they will give out my personal information to credit collection agencies and bureaus.
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX  XXXX {$19000.00}
Consumer complaint received 2020-05-11
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. (AR)

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report. XXXX/XXXX  XXXX {$700.00} XXXX XXXX {$3500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX {$4500.00}
Consumer complaint received 2020-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (AL)

Throughout the time my account has been with Tower Loans, my account information has been shared several times with other employees at my job and residents in my home. The representatives do not verify any account information before sharing the details of the account. I have had 2 co workers approach me about my Tower loan account. 

Tower loan reps are calling 3/4 times several days within a week. The calls have come in durations of 10 minutes to an few hours apart. There has been moments I call for account information or resolution, but still about receive 2 calls throughout the same day. This account has never been completely abandoned account, if I couldnt make full payments I paid partial, ls, than extra to bring it currents after hardships arised. 
In efforts to bring the account current after, I made an automatic payment arrangements for {$250.00} and wrote several post dated checks up to XX/XX/XXXX for an additional {$150.00}. The {$250.00} covered regular {$210.00} payment and extra {$150.00} cover any past due amounts. It was setup this way because the system wouldn't allow them to setup 2 separate automatic payments within a single month. During this time I was still receiving at least 2 calls per day stating my account was past due and needed to setup arrangements. Each time I explained, that it had already been done and the checks were physically in the office. Each time the representative stated that my account had not been noted of those arrangements and repeatedly demanded payment. There were a few incidents where the representative told me, " if you would pay my bills, they ( tower loans ) wouldnt have to keep calling you, next step is we will sue you ''. Everytime an incident occurred I spoke with a current General Manager that promised the account would be updated to prevent further " human error '', needless to say those situations repeated itself nearly every month. Despite making on and off payments to bring the account current. it had been sent to collections and they are still continuing their aggressive phone and home visits. 

Today XX/XX/XXXX, I missed their call, I called the office back within 7 minutes, spoke with a representative, then within 3 hours another representative arrived at my door. 
The company has to be held accountable for harassing customerd and sending representatives to your home,, especially during the pandemic.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX. XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX. XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/2019 unauthorized XXXX XXXX  XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX   XX/XX/2019 unauthorized Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine COLLECTION XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2020-05-11
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. (TX)

I already submitted a prior complaint which resulted in another date change on my Equifax report that is completely false concerning an old debt with XXXX. It was also on my XXXX  report, but has since been deleted. Equifax is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by XXXX. 

I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated Equifax report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is XXXX 's attempt to use Equifax to collect on an old debt where the statue of limitations has long ran out. There is no proof on XXXX 's reporting to Equifax. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against Equifax through XXXX XXXX XXXX.
Consumer complaint received 2020-05-12
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: TrueAccord Corp. (PA)

Received an email today stating that the company may send back to original creditor and they may take legal actions. Copied email to follow. 

At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More. 

XXXX, please set up a payment arrangement. 

XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) would like to prevent legal review on your past due account, so they gave us the opportunity to assist you in reaching a resolution. 

While your account is still with us, we'd like to work with you to resolve your past due balance. Otherwise, XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) may review your account for placement with an attorney for legal review as their next step. 
You can prevent this by setting up a payment arrangement. 


Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2020 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb XXXX XXXX XXXX account number ending in : XXXX.
Consumer complaint received 2020-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (AZ)

I applied for the Forbearence due to covid 19. According to that I did not need to make a payment within three months. I have been making partial payments and they are putting it in a holding account until an entire payment is there and then apply it. At least thats what they said. I have the paperwork showing that I was approved. I have emails showing I was approved. Today, I got a threatening for closure letter. I dont know what is going on with his mortgage company but they are being absolutely horrible during this entire thing. They were great until this now not so much.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

On XX/XX/2020 I called into Macy 's DSNB to advise that I would be unable to make payments on my account due to Covid 19. I was told by the representative that they currently did not have a covid 19 plan in place but there would be notes on my account notating that I was affected by a natural disaster and requesting deferment. I asked if in the event that I was note able to make a payment would there be any negative reporting to the credit bureaus and she said no. She noted that I would receive a letter confirming my request for deferment due to natural disaster. I never received said letter. On XX/XX/2020 I received a notice from XXXX  that this Macy 's DSNB account was reporting 30 days late. I immediately called to see why the account was reporting delinquent even though the prior agent advised me that there would be no negative reporting to the credit bureaus. The agent with whom I spoke on XX/XX/XXXX advised me that at the time of my original call that Macy 's did not have a COVID19 plan in place and that said plan was not in place until XX/XX/XXXX. She did place me on their COVID19 deferment plan. When I advised her of the negative reporting to the credit bureaus she told me that she would report the dispute to Macy 's credit reporting department at XXXX and that they would be giving me a call the following week to confirm that they will be removing the 30 day late notice on the account. I have yet to receive a call so I called back to the Macy 's  main credit card servicing line at XXXX to follow up on XX/XX/2020. The new agent with whom I spoke told me that the agents in that dept would not be back to work until XX/XX/XXXX. So I am really getting conflicting information as to who to call and with whom to follow up and on how to get a resolution on the negative reporting of which I was originally told would not occur due to the economic COVID 19 pandemic
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 I paid my monthly visa bill online {$300.00}. On XX/XX/20 Bank of America attempted to take {$300.00} from my checking account. My balance on this credit card was {$0.00}. Do to this unauthorized action my credit union charged me a fee of {$29.00}. On XX/XX/20 I contacted Bank of America to be compensated the {$29.00} the representative informed me I was enrolled in automatic payments and that is why they attempted to take {$300.00} even thought my balance was {$0.00}. On XX/XX/20 I again called Bank of America to have them pay the {$29.00} fee I have incurred on this date they told me that someone went online on XX/XX/20 and made an online payment of {$300.00} when the balance was {$0.00}. I have never enrolled in an automatic payment system and I never requested Bank of America to be paid twice in one billing cycle.
Consumer complaint received 2020-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

I am two months behind on my mortgage payments ( I am making the full payment every month but I am behind due to a work layoff ). Wells Fargo sent me a letter stating they are putting my mortgage into a loan modification plan that will extend my payments out another 38 years. I did not ask the bank to do a modification, I do not want a modification and did not agree to this in any way, shape, or form. I have tried calling them and sent them a message through their website but I can not get in touch with them.
Consumer complaint received 2020-05-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CU Recovery, Inc. (IA)

We have tried to settle the debt owed for the pst week XX/XX/XXXX-XXXX 2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (NJ)

On XX/XX/XXXX I entered into an agreement with Sequium Asset LLC for the debt that XXXX XXXX XXXX had sent them. I had not known this bill was not paid when we changed services. I entered into this agreement when I was told this would not affect my credit due to the payment arrangements and made the first payment in XXXX. In XXXX they reported the full debt to my credit report, that I had made no payments and made no payment arrangements.