davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thunderbird Collection Specialists, Inc. (AZ)

To Whom  It May Concern, I called TCS, Inc. regarding a debt collection letter I received. This was a medical provider  who my stepdaughter had seen in  XXXX  of   XXXX  . My stepdaughter does not live with us and because her mother takes care of these things I never received ANY notice or bill to know that there was a later payment.   The letter was signed by  XXXX   XXXX  and he was also the person I was transferred to speak with regarding the account. I let him know that I knew nothing about this bill and I 'd like to see the information regarding the date of service etc. I also wanted to see any letters that went out previous to this to know how it could have gone to collections without any warning. He told me it does n't change the fact that I owe that amount, I told him I have a right to know this information before I pay. He started to get hostile and said that if I am going to handle it that way he would just not expunge the record on my credit regardless of whether I paid or not. I asked him if he was threatening me, he said " well that 's how it works, this is collections ''. I told him that he has violated the law and that is not how it works. He said he has done this 15 years and never broke a law. He threatened me again about payment and my credit and asked to speak with his supervisor. I was able to handle it with his supervisor.   Afterward, I spoke with the doctors office and they were upset about the debt collector treating me that way, they informed me that they had the wrong address for me and the address they had was not even a valid addr ess ( the bills they se nt were returned ). In any case, I do not believe this person should get away with this over an {$80.00} bill, he was hostile and abusive which violates the Fair Debt Collection practice. The company and  XXXX   XXXX  should be reprimanded for this behavior as I am sure I am not the only one.
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (WY)

On XX/XX/2022 I mailed a request to verify a debt via debt validation letter to Express Recovery located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via certified letter. It was received on XX/XX/202 by XXXX XXXX ( you can not read the name on the return receipt. ) Since that time, XXXX XXXX has not contacted me nor validated the debt. I have attached the return receipt as well as the XXXX Tracking confirmation showing that it was received. 
I believe under Federal Law since this company will not validate the debt and has refused to respond to my request this needs to be removed from my credit reports immediately.
Consumer complaint received 2023-01-05
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: Credit Technology, Inc. (CA)

I have repeatedly spoken to the fraud dept. with XXXX XX/XX/XXXX and XX/XX/XXXX and explained to them that the inquiries on my credit file are unauthorized and I requested that they be removed. I don't have any knowledge or business regarding those company inquiries and I explained this to XXXXXXXX XXXX fraud dept.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I want to know the amount to payoff my mortgage and the process to complete it but have been advised repeatedly that no one there can do it. I've spoken with Cust Service Reps/dates : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XXXX ) and XXXX ( XXXX ) and have been advised by them all that they are unable to access my mortgage account to give me a payoff amount. I'm waiting for a call back from a supervisor ( day # 2 ) who I was already told will not be able to help me either.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to Transunion about two Inquiries XXXX XXXX and XXXX Bank in which was identity theft. I ask them to delete and they refused even after sending the agencies Fraud report. I am asking for the removal off my credit asap.
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: JPMORGAN CHASE & CO. (CA)

I took out a private student loan in XX/XX/XXXX To pay for school. The loan was in the amount of XXXX. My father is a consignor on the loan. We started making payments in XX/XX/XXXX that have only gone towards the interest. What was once a XXXX loan is now a XXXX loan. We have made almost 10k in payments only to have {$940.00} go towards the principal. My mother is sick currently which has caused emotional and financial hardship which means my parents are not working right now and I 'm living in CA making part time money at best with 3 degrees. I asked Chase Bank for a principal reduction of XXXX to pay the lian off and they denied me flat. This situation is frustrating as the more we pay on this loan and the more goes towards interest the loan will never be paid off. I ca n't afford it and my parents ca n't either.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2021-01-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (NC)

I purchased a vehicle using this lender, made my payments on time every month. I decided to trade my vehicle in to purchase another vehicle and the dealership held onto the vehicle and did not return it as promised. The vehicle was paid in full and the dealership is stating the vehicle was returned and the lender is giving falsified information as this loan is paid in full and I am not responsible for the misunderstanding between dealership and Lender. Please help assist me with compliant as I want it removed from my credit reports reporting negative.
Consumer complaint received 2018-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (IL)

ON THE XX/XX/XXXX I FINISHED PAYING OFF ( 90 ) DAY LOAN FROM XXXX XXXX XXXX. I WAS TOLD THAT FULL BALANCE WAS DUE SINCE WAS A WEEK LATE DESPITE FACT THE I WAS GIVEN EXTENSION BECAUSE OF ILLNESS. AMERICAN FIRST FINANCE DENIED TELLING ME THAT NO SUCH ARRANGEMENTS WAS GRANTED. AFTER SEVERAL CALLS REGARDING THE BALANCE OWED FOR THE MONTHS OF XXXX AND XX/XX/XXXX AND PLACED ON MY CREDIT REPORT AS MISSED PAYMENTS. AMERICAN FIRST FINANCE ( SEE ATTACHED PAPER WORK ). AFTER NUMEROUS CALLS AMERICAN FIRST FINANCE OFFERED A PROGRAM CALLED ( XXXX XXXX ) IF MADE THREE STRAIGHT PAYMENTS THEY WOULD REMOVED ALL NEGATIVE INFORMATION FROM MY CREDIT PROFILE. I COMPLETE THE PROGRAM IN XX/XX/XXXX THEN I WAS TOLD THE NEXT REPORTING CYCLE THE NEGATIVE INFORMATION WOULD COME OFF MY CREDIT REPORT. ( 90 ) DAYS PASSED AND THE NEGATIVE INFORMATION REMAINED ON MY CREDIT REPORT. AT THIS POINT I FEEL AMERICAN FIRST FINANCE HAVE NOT LIVED UP TO PART OF THE ARRANGEMENT AND THEY CONTINUED TO REPORT MY ACCOUNT AS LATE. I SPOKE WITH THEM A COUPLE OF WEEKS AGO AND I WAS INFORMED THAT IT WAS CHARGED-OFF ON XX/XX/XXXX,
Consumer complaint received 2022-11-13
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. (MA)

Every month the XXXX XXXX XXXX  sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have made many attempts to get this address removed from my credit report. It was a temporary address and I am no longer able to receive mail there. Therefore, I can not receive any debt collection forms from any agencies. I no longer live at this address and have updated all of the creditors with my new address. Attached are a copy of my DL and most recent paystub.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

on XX/XX/XXXX Pressler & Pressler LLP address XXXX XXXX XXXX XXXX, new jersey XXXX Phone number XXXX, filed case against me case number XXXX XXXX in XXXX county on behalf of XXXX XXXX, address XXXX XXXX XXXX XXXX OH XXXX phone number XXXX, which was dismissed on XX/XX/XXXX but till today 's date XX/XX/XXXX there is a judgement showing on my credit report by XXXX when I call XXXX they told me to call Pressler & Pressler. when I call pressler & pressler they told me that they have nothing to do with this case. I have to call XXXX  so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me pressler & pressler they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( XXXX XXXX ) records but my XXXX credit report showing that pressler check my report on XX/XX/XXXX I have the proof if u want I can submit them to I think this is a fraud.
XXXX XXXX  this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a checking account with capital one which was recently closed by the bank. I was depositing part of my divorce settlement fund to the account, then realized that capital one has very low interest rate, so I tried to move the money into my XXXX bank which has a much higher interest rate. The bank found this activity/ check suspicious, and even after numerous phone calls and verifications from the check owner on the source of the funds, the bank closed the account. When I spoke to the bank the last time, they said my funds would be mailed to my address and this has been almost a month and I still have not received my check. Whenever I call the phone number, either my phone number is blocked or my account is blocked so I can't reach any live person. From my XXXX statement I had a balance of XXXX.
Consumer complaint received 2023-02-05
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. (NY)

I sent two letters for validation to XXXX XXXX XXXX on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to transunion credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Financial Data Systems (NC)

There is an 8+ year old collections account open on my credit report regarding a utilities bill from 2014. The collections agency, FINANCIAL DATA SYSTEMS XXXX, keeps updating the dates to keep the account current. This should have fallen off of my report by now, and I've already submitted disputes with the credit reporting agencies regarding this account several times.
Consumer complaint received 2022-10-22
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX - XXXX XXXX : {$8700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00}
Consumer complaint received 2017-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

This situation started on   XX/XX/XXXX  after rec eived a fictitious/scam email about participating in a   XXXX   XXXX   program. The email appeared to come from a former colleague, but the email was hacked. Fast forward - on   XX/XX/XXXX  , I deposited a check into my  XXXX  account for {$2800.00}. The supposed purpose of this check was to complete a   XXXX   XXXX   assignment. The person who sent me this check,  XXXX   XXXX , was creating a scam under the name    XXXX   XXXX   XXXX  , who  is a real company and I received the invitation through a hacked email from a former colleague.     After I began receiving signals that made my uncomfortable, I told this gentleman that I was uncomfortable and would like to return the {$2800.00} that was deposited by check into my   XXXX    account o n  XX/XX/XXXX . H e told me to send the money back by wire/ACH using  Wells Fargo  bank,  XXXX   XXXX , Acct :  XXXX , routing number  XXXX . I initiated this request the morning  of  XX/XX/XXXX  fro m my  XXXX  account.     Unfortunately, the morning of   XX/XX/XXXX  I rece ived word from  XXXX  that the original {$2800.00} check deposit o n  XX/XX/XXXX  was  rejected due to an inactive or non-existent account. ... thus scamming me by the creation of the wire/ACH t o Wells Fargo .       XXXX   XXXX   XXXX   verified this person does not work for this company and that it was is a scam.     I am trying to do everything I can to freeze the {$2800.00} of funds that was se nt to Wells Fargo  account  XXXX  in response to the fraudulent activity of the account owner.     For the record my reference to my FTC complaint is  XXXX .
Consumer complaint received 2017-05-09
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. (SC)

On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc. (TN)

I'm fairly sure this is a scam. A " company '' called XXXX XXXX XXXX, or XXXX, sent me a collections notice for about {$1000.00} for XXXX XXXX for a hospital in XXXX Tennessee. I have never received any XXXX or other XXXX XXXX in XXXX. There appear to be other complaints about these guys on XXXX, which I already reported to.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (GA)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following item XXXX Account Name : XXXX XXXX XXXX XXXX Amount : {$1100.00} Date Opened : XX/XX/2020 Account Number : XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XXXX, I discovered an error on my Equifax credit report that was being reported by XXXX XXXX XXXX Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with Equifax directly. My report shows the account was 120 days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, Equifax shows I was 30 days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is 4 months after it ACTUALLY became charged off. Because Equifax was of no help, I wrote to XXXX directly on XX/XX/XXXX. XXXX responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and XXXX 's response. As of today, XXXX has not corrected my credit report and they have continued to verify inaccurate information to Equifax, as I have continued to dispute the account with the credit bureau in the meantime. All in all, XXXX originally reported this inaccurate information, said they would correct it, and have not corrected it. XXXX also has verified inaccurate information to Equifax on multiple occasions regarding the payment history for my account. As a results of XXXX actions, my credit file looks like I became delinquent 4 months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, XXXX reporting of this information does not comply with XXXX XXXX reporting standards for accurate credit reporting. XXXX has violated my legal rights and continues to damage my credit by not taking action.
Consumer complaint received 2018-10-10
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. (NV)

I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting it