davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (MO)

I lived in the XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. At move-in, I paid a {$250.00} deposit. The deposit was not returned when I moved out. At move out, I was given a bill for {$160.00} of unpaid charges, which included {$150.00} of charges that were in dispute prior to my move out date. I never received a statement explaining what the deposit was used for. Even though this total is less than the deposit and I was never told of any charges against the deposit, I was still told that I owed the {$160.00}. I attempted to reconcile with the apartment community. I eventually decided to pay the fees to avoid them appearing on my credit report. When I tried to access the online system to do this, I wasn't able to. I called the apartment complex and was told that my only option was to overnight a cashier 's check for the balance or have the account sent to collections the next day. My bank takes 10-14 business days to send cashier 's checks, so the account was sent to collections. 

I've been receiving calls and voicemails from a company called ProCollect based in XXXX, TX. The address they gave me is XXXX XXXX XXXX, XXXX XXXX. I answered the phone call to settle the debt. They gave me my account number and I updated my contact information with the collection agency including an updated mailing address. I asked for them to send an invoice for the money owed and notified them that these charges were being disputed at the time that they were sent to collections. I also emailed the company telling them that the charges were under dispute. Despite this, I have not received an invoice. My apartment complex and the postal service both have documentation of my forwarding address as well. They continue to call me several times per week. I check my mail daily and still have not received an invoice. Every time I've spoken to them on the phone they still insist that I have to give payment information over the phone without being sent an invoice.

I've recently noticed a significant drop in the estimated credit score reported by my credit card company, suggesting that this collection is showing up on my credit history now. All of this seems inappropriate considering that it is an attempt to collect a debt that I'm concerned I don't actually owe.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Consumer complaint received 2023-03-21
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. (VA)

My credit score has yoyo 's from low XXXX to upper XXXX 's without cause in XXXX and XXXX thus far. I have made on time payments for past three years on all debts and bills. I have paid off in full several lines of credit/loans. My income has increased steadily in this same period of time, my debts have been paid, or paid off, and initially saw my score climbing as one would expect. Then without cause or notice it plummeted back down to XXXX and low XXXX and has stayed there in spite of flawless financial performance and decreases in debt, and increases in income. I attempted to find out why this occurred and received no responses. In the span of last 12 months, my credit score has yoyo 'd by almost XXXX points, IN this same period, my wifes score, has steadily risen and remained high as one would expect given our efforts in bill payment and payoff of loans.. She has no income other than our shared income, nor debt other than our shared debts. I think I am being confused with someone else financial performance and inappropriately scored, which has a significant impact on my personal finances.
Consumer complaint received 2016-02-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I have a home equity line of credit with PNC BANK ending number XXXX. I filed bankruptcy in 2009 and this debt was discharged in the bankruptcy. However, they are still on the lien of my property. I realize this, and I wanted to offer a one time settlement to resolve this issue. I called PNC and received a settlement package, and submitted all the necessary documents. My settlement offer was declined with a reason DOES NOT QUALIFY. I understand I do not qualify, but there is NO REASON given to me, WHY I DO NOT QUALIFY. I am attaching the ambiguous letter I have received. After XXXX conversations with the representative at XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX, she can not provide me with reason with what DOES NOT QUALIFY mean. Evidently it is not any of the reasons that are listed on the letter. I just DO NOT QUALIFY for any reason no one knows. I want to know specifically WHY I DO NOT QUALIFY. This is too general of a reason they have given. Perhaps my investor/OWNER OF MY LOAN does not do settlements, therefore, they should never have sent me a settlement package and let me know immediately this. I am left with no workout options, because I do not want to sell my house or do a deed in lieu. Could you help me please.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MO)

On XXXX XXXX on or about XXXX XXXX  I received an email from XXXX claiming they are XXXX XXXX XXXX The email stated that an annual billing for XXXX is auto withdrawn for warranty services for computer purchased a few years ago from XXXX XXXX. I did purchase it over 2 years ago for my daughter 's computer but only 1 year. I called the number XXXX to speak to a rep. I told him that I never wanted the warranty repurchased or renewed. It was stopped years ago. The rep said I had to go online to fill out a form to get my money back. I filled the form but I did not provide bank account info. He wanted me to go online to my account to verify if the money was deposited back into my account. I told him that the money would not be deposited that quickly. I also told him that I prefer to call my Banker to check if the money was deposited back into my account. He was getting frustrated. It did not make any sense. He was getting frustrated. He said that for me to check online or I would not get my money back. I told him no. He was upset. I ask him for his name and his supervisor. He said he would not provide hus namo orr hus supervisor. He also told me to dare not call back because they won't help me. I told him about his poor customer service. A definite scam. I notified my bank and to get my computer fix for hacking.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EAST WEST BANK (CA)

The dispute between East-West bank and I centered around one check # XXXX in the amount of {$2000.00} dated XX/XX/2019, for XXXX XXXX  mortgage payment. My Principal and interest payment at the time was {$1200.00}, I am responsible for my own taxes and insurance. East-West Bank rejected the payment ( see attached ) and claimed that XXXX XXXX  XXXX had committed fraud. East-West Bank had negotiated the check and I was able to provide a tracer to them, however, they still rejected the payment. Every month I make my mortgage payment due with an additional principal payment, I have never missed a month. In a letter from East-West Bank dated XX/XX/2019, they claimed I was in Default for 3 Payments, however, did not specify which months were due. There was also a late charge in the amount of {$2200.00} which seemed excessive considering I had never been late and always paid more than the Principal and Interest due. 
I requested several meetings with East West Bank and as a result of my requiring a XXXX  XXXX, East West Bank stated that it was my responsibility to hire a interpreter to attend the required meetings. Although, I did receive an email in XXXX  from XXXX XXXX an employee of East West Bank. The actions of East-West Bank have caused harm to me and my marriage, and the stress has been unbearable. I am attaching the proof that t all payments have been made on time.
Consumer complaint received 2023-07-02
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. (FL)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 section 602 A. States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am see on my credit reports that Syncb/Walmart is reporting the account open and a late payment after speaking with the office of the president I tried to contact synchrony bank and keep getting hung up on I've tried reaching back out to the agent who works in the office of the president department and have not been contacted back
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NY)

I changed my billing address to my new home and since, this company has tormented my life. For the past 5 weeks, this company has declined purchases, made me go through more than 20 security verifications, theyve embarrassed me at multiple stores by declining purchases after they confirm on the phone that my card is clear to use.

I have had to call in more than 30 times to clear my name and the company continues to give me problems. My credit score has remained very good, the account has been kept in excellent standing, and Ive had this card for more then 5 years.

The representatives have challenged my purchases saying you dont normally spend this much, and at times they have mocked me.

In the past month of problems, I have been promised six times that leadership/management would open a case and call me to help resolve but they have only called me once this past week and apologized, but since that call, they have entirely blocked access to my account stating its a security issue. 
This company has taken advantage of my good credit and time.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : XXXX Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX & XXXX BANK XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number XXXX {$10000.00} XXXX XXXX  Account number XXXX {$18000.00} XXXX XXXX  Account number XXXX {$6100.00}
Consumer complaint received 2023-07-02
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. (KY)

I have disputed these reporting errors multiple times and the items are " verified ''. I've requested account information from XXXX XXXX XXXX, and they ignore my requests and Equifax turns around and " verifies '' this information. How?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-07-02
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. (CA)

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Equifax has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXX XXXX  don't know of this account that is paid - XXXX
Consumer complaint received 2022-06-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.