davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates 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 XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about 2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc.

My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus. 
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I believed that there is a grace period after your graduate and was unsure the amount of time was allowed before the payments started. Somehow, I got in contact with XXXX XXXX and realized that payments were being requested but by then the payments were late. As soon as I was familiar with the situation I immediately called and learned what I needed to do to start paying my student loans. I chatted with customer service and figured out that I could defer the late payments to the end of the loan and start fresh and havent miss a payment since. I was blessed and qualified for the Income-Driven Repayment plan so that helps a lot, but I have these black marks on my record and these are the only bad marks I have on my credit as of now. These late payments are for my time @ XXXX XXXX XXXX and XXXX University.
Consumer complaint received 2018-06-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (NV)

I have an unverified account from AD ASTRA RECOVERY SERVICES I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3.  Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (NC)

The full touchscreen ATM located outdoors of BB & T XXXX XXXX XXXX XXXX XXXX, NC XXXX does register " touch '' in extremely cold and extremely hot weather. I have wasted gas and time TWICE going to this location outside of regular business hours only to realize there are no push buttons for choice selection and my finger touches would not work. I spoke with XXXX about my frustrations on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, the weather was cold and the ATM touch sensitivity FAILED. Now, the weather is hot and the ATM touch sensitivity is still FAILING. This location is also where I had a rude and disrespectful banker named " XXXX XXXX XXXX, NMLS # XXXX '' to tell me that I should " pay my bills '' despite the bank emptying my bank account to satisfy a sheriff levy for a ten year old unsecured platinum credit card. I am very frustrated with this location. There are some good people working there, but the bad ATM service is just unacceptable! I don't want a third wasted trip to the ATM. Can they provide better machines with push button capabilities? XXXX said that he would escalate my complaint since it was my second time calling this year.
Consumer complaint received 2018-06-03
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. (CT)

XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and TransUnion  credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on (XX/XX/XXXX,XX/XX/XXXX) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, and (XX/XX/XXXX,XX/XX/XXXX ) TransUnion requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and TransUnion credit reporting agency has NOT provided the method. I have given TransUnion ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.
Consumer complaint received 2018-06-03
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: Experian Information Solutions Inc. (IL)

This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the excessive violence used by the store employee and a customer service by the unprofessional untrained manager
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I inherited through the family trust my parents home XX/XX/XXXX. The home was set up on a bill pay for the {$2500.00} monthly payment. I attempted to communicate with the bank but was denied exchange of pertinent information due to no identifying docs on file with the bank. The property subsequently lapsed into several months of missed payments.A XXXX letter dated XX/XX/XXXX acknowledges that a XXXX forebarance was in place. On XXXX of XXXX XXXX offered a XXXX XXXX to begin a trial period on XX/XX/XXXX, with a reduced trial payment for 3 months at {$2100.00}. I have paid every payment since XX/XX/XXXX on time to date a total of XXXX payments. I've provided XXXX Loss Mitigation with all title, Quit Claim and Trust documents. I've provided a copy of the XXXX XXXX for my parent and proof of rights of ownership.Having performed all instructions for this Loan Modification extended by XXXX it is difficult to understand why they aren't standing by their offering and document. XXXX has since incenuated they have the right to discard the offering of this XXXX XXXX and expect me to enter into a XXXX XXXX and their subsequent offering. It is my position that I have performed what can be deemed beyond reasonable for this situation and I should be granted the promise of the permanent XXXX XXXX according to the expectation set forth in the XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2018-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent multiple good will letters and disputed the items with the bureau and no one would help me. I called multiple times on different occasions and I still have received no help. Normally there are extremely long wait times when calling to speak with a representative and sometimes the representative doesnt want to hear you out fully and i dont agree with this process. Im very upset that I still havent gotten this issue resolved.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NV)

I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-09-05
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)

I am reaching out to dispute the incorrect information currently reflected on my credit report from your bureau. There are discrepancies in the data reported for specific accounts, which require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Attached are letters that thoroughly outline the issues with the accounts in question, including supporting documentation. The errors involve incorrect dates, account statuses, and other details that do not accurately represent my financial history. These inaccuracies are unjustly impacting my credit score and overall financial standing. 

I kindly request that you conduct a thorough investigation into the accounts referenced in the attached documentation, rectify the mistakes, and remove the inaccurate data from my credit file. Additionally, I expect the corrected information to be updated in compliance with FCRA requirements, and a confirmation sent to me once the corrections have been completed. 

If any further information is needed to facilitate this process, please inform me at your earliest convenience. I appreciate your prompt attention to this matter and anticipate a timely resolution.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

Opened a XXXX charge account. Created a XXXX account and placed an order. Order was cancelled and account was locked, now can't use account. I opened a XXXX charge account. I placed a XXXX order and requested that the order be shipped to me using the same name, address and phone number that is on my XXXX store credit card account. My XXXX store card was successfully charged and then a few hours later I recevied an email saying my order had been cancelled due to " verification issues ''. I tried to log into my account and it said it had been suspended. I called XXXX and after waiting on hold for over an hour I spoke to someone who said they would put in a request to allow me access to my online account again. I received an email today ( XX/XX/18 ) saying that my XXXX online account could not be fixed due to " Verification Issues ''. So now I am left with a XXXX charge account that has been approved and opened by XXXX XXXX but the retailer ( XXXX ) will not let me shop at their store. Since XXXX did not contact me to help with their " verification issues '' I have no other option. I can only shop at XXXX with this charge account.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am reaching out for your assistance regarding this incorrect account on my credit report. This matter has damaged my reputation, and I need your help. The improper handling of my credit report has left me devastated, and your inaccurate reporting has destroyed my reputation. Please correct these errors so I can have peace of mind with my family.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (NC)

XXXX XXXX XXXX  XXXX XXXX  sold my debt without any knowledge. I never received any paper work or mailing from XXXX XXXX  before the debt was presented to the credit bureaus from sca collections. I then requested verification of debt from sca collections and they sent me confidential appointment information that was provided to them without my consent. SCA collections then started calling and harassing for payment of this unknown debt after I requested proof. Both of these companies have violated my HIPPA rights and I ask that all of my personal information be removed from these companies possession immediately.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (IL)

My husband received information that was very vague on this so called account. Voice mail that was left had portions of the call that were robotic. I did not call the phone number back in fear it was a scammer. I dont know how my husbands phone number was obtained. The number he has is a work phone number that he has to answer for all calls that he received were work related or Non-Essential. He is then responsible for repayment on his end if Non-Essential. 
This I feel is invasion on my privacy. They got my husbands work phone number and left a message about me without my permission. 
Any help would be much appreciated! 

Thank You!
Consumer complaint received 2018-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (TN)

On XX/XX/2017 I underwent an XXXX and XXXX at XXXX XXXX Medical Center in XXXX, TN. I have XXXX health insurance so I made sure to go to an " In Network '' hospital to keep my out-of-pocket costs low. Prior to the procedure occurring, I called the XXXX department at the hospital to ensure that the copay I was providing ( {$100.00} ) would be my total out of pocket cost. My health insurance paid {$2800.00}, while I paid my copay the day of the procedure. I was told that this would be the total cost to me. 

I was very surprised to see a bill from " XXXX XXXX '' who is out of network with XXXX. I thought it was a mistake. The XXXX fee was balance billed to me as XXXX does not cover " out of network '' costs, even though the facility I picked was " in network. '' I attempted to contact XXXX XXXX to discuss the bill. They directed me to contact XXXX XXXX Medical Center, who said to contact XXXX XXXX. I also contacted XXXX, who merely said they don't cover out of Network claims. None of the 3 parties were able to help explain. I received an unrelated XXXX XXXX in the past year at a different facility, and there was no surprise bill as the XXXX/facility were " In Network. '' Recently, I had 2 derogatory marks show up on my credit report for this one hour medical visit. XXXX XXXX had sent my single account to " XXXX XXXX XXXX XXXX XXXX '' as 2 different accounts.
Consumer complaint received 2018-06-03
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. (DE)

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/2018 with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX on XX/XX/2018 for  the account, stating that the account does not belong to me. The account has not been removed my credit report.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I submitted a complaint ( number assigned XXXX ) in refgards to unauthorized credit inquiry. I received an email from Equifax on XX/XX/XXXX stating the dispute response was available and it could be read by entering an assigned number ( XXXX ) along with other personal information. After following the email instructions a message came back stating no information was found! Is this a Equifax scam? I am concerned where my personal information went and is it safe?
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, XXXX, Experian, and XXXX XXXX via their customer service teams but they will not help.
Consumer complaint received 2018-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (OK)

this debt just showed up on credit report i have no clue of this, im sure your aware of the laws fcra, and ftc opinion letter. first you need to give 30 day notice and my right to dispute said debt, so ill dispute this through this sight, i need an written agreement to pay this debt with my signature, an itemize statement is not validation, and i dont give my permision for you to get my medical records so getting itemized statement or any thing that has to do with my medical record like itemized statement or name address, released to you is a violation of hippa so contract or written agreement that bears my signature is what ill except.