davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Complete Credit Solutions, Inc. (NY)

For the past month, Complete Credit Solutions has been calling and harassing an older, distant relative of mine. This person lives in a different state from me.

My relative informed me that she has been receiving phone calls an average of 2-3 times per week from CCS. The calls began in XXXX of XXXX. Specific dates her number was called on are XX/XX/XXXX, XXXX, and she states they called at least twice today ( XX/XX/XXXX ). 

Although she repeatedly informed the collector that she was not me, and that I did not live at the residence, she was still pressured by them. They told her that I would be in " serious trouble '' if I did not pay the debt, and asked her to pay it on my behalf. They disclosed the exact amount of the debt owed to her, and even offered to send her a letter detailing the debt. 

She only recently notified me of this, because she was so concerned that she was about to just send them a check for the amount they claimed I owe. 

It should be noted that I recently filed disputes with all 3 credit bureaus, as I believe this account is invalid and the information on my file is incorrect. It has been removed from 2 out of 3 so far. I believe this dispute is what has prompted the desperation from the collection agency.
Consumer complaint received 2021-07-27
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. (TX)

There are addresses, inquiries and accounts listed on my credit profile that are NOT mine nor did I authorize the release of this information. Please remove them immediately as they are hindering my credit. Thank you.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Several deposits made where the money did not correlate with what should have been my funds. There were also unauthorized transactions that were taken from me with out my knowledge. Also transactions that caused over drafting when I was told I had this protection. 

Thank you- XXXX
Consumer complaint received 2021-07-27
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. (FL)

Hello, I would like to ask you about to check my accounts. I can see that these accounts are reported incorrectly and its not right. This is wrong information and should not reported like this in my profile. Could you please check it.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (SC)

On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX  account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX  that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX  account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. 

I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. 

I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (TN)

I was working on my computer & got a pop-up stating that my it was being hacked & that I needed to contact XXXX at the number provided. I did & was told that my bank, First Horizon, was being investigated for internal fraud. I complied with the requests to wire money to the attached bank & customer. My bank was unable to halt the wire transfer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NH)

I started banking through credit karma when they introduced their instant karma feature. On XX/XX/XXXX at approximately XXXX I received an email stating, " We noticed some new activity on your profile and are reaching out to ensure the security of your account. Please provide a front and back copy of a valid government issued photo ID along with a statement copy of the external linked account ending in XXXX. Please ensure the statement of the external linked account shows the account owner 's Name. 
We apologize for any inconvenience but this is necessary to maintain the security of your account I submitted the proofs that day. It is now XX/XX/XXXX and Everytime I call their customer service all they say is it's been escalated and being reviewed. Our specialized team is reviewing everything. When I ask to speak the the specialized team they say they only communicate through email. I still 12 days later have not heard a single word from this so called specialized department. They will not give me any information as to why my account was locked or when it could be released.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (IL)

American Express serve emails me and say that my disputes that I have filed for XXXX USD that they r not liable for cause I violated a customers rights and had to many other cards that's not my fault that people have had cards in my name and they put my funds on someone else card and account.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (WA)

After requesting a payoff from my loan servicing company, SN Servicing Corporation, I discovered an error. The payoff included an interest bearing principal balance of {$190000.00}, and two additional " other '' fees, which were further identified in the payoff detail as a Prior Servicer Corporate Advance in the amount of {$36000.00} and Forbearance Principal in the amount of {$36000.00}. Per my original loan modification agreement in XXXX, there was a deferred principal balance of {$36000.00} and ( at that time ) an interest bearing principal balance of {$210000.00}. Since signing the loan modification agreement I have stayed current with my payments and at no point did I agree to, or sign for, any additional changes to my loan agreement. I notified SN Servicing Corporation of my dispute of the Prior Servicer Corporate Advance fee, in the amount of {$36000.00}, via certified letter on XX/XX/XXXX asking them to investigate the error. I received a letter back on XX/XX/XXXX stating SNSC would look in to it, but have not received any follow up since.
Consumer complaint received 2021-07-26
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. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (FL)

I XXXX XXXX account # XXXXcustomer of Shellpoint Mortgage Servicing. Find myself obligated to request a response to my questions. Since I had tried the website and the telephone systems and as of today XX/XX/XXXX I still not receiving any acknowledge or proper response to my questions. As a customer of this company since XXXX, I find myself in a little dilemma about my payments. On XX/XX/XXXX as always I was sure my mortgage payment gets on time to this company. I had ordered for an ACH thought XXXX XXXX XXXX XXXX ( XXXX ). That ACH for a value of {$2300.00} was received and accepted by Shellpoint Mortgage Servicing on XX/XX/XXXX with a confirmation trace # XXXX.Shellpoint Mortgage Servicing called me on XX/XX/XXXX asking me to submit another payment. I would like to note that this company its extremely aggressive and demanding when it does come to collecting this money.Shellpoint Mortgage Servicing told me over the phone on XX/XX/XXXX that I was late, and I must pay my mortgage in order to avoid late fees and bad credit bureau reports. Supersized by this incident, I had no choice to re-pay this again. By that time my records were already annotated with defamatory comments about being late. Shellpoint Mortgage Servicing supposedly avoided my late fees. I tried to explain to them that I had never been late in any mortgage payment and that I had sent my payment over an ACH on XXXX XXXX. ( that paymet was for the XX/XX/XXXX XXXX Payment ). 

I went ahead and repaid my mortgage, I was asked to load up a letter on this very poor website on XX/XX/XXXX proving that XXXX in fact submitted that ACH. I did and I was supposed to wait three business days for a response. Those three days went by and no response and or email. In fact my letter and my email dispensary form my account. ( This web portal its extremely bad ). 
I decided to call for the third time, and I was told that Shellpoint Mortgage Servicing received my letter and my request, but they were working on it. 
As of today XX/XX/XXXX. No response to my questions, no knowledge where my money that I had paid t Shellpoint Mortgage Servicing went. When I owe money to this institution they demanded in a very aggressive way. But now that I have an issue, they took my money and refused to clarify this issue. 
I was lucky I had money in the bank otherwise, my records were damaged, and my account still delinquent with bad derogatory comments. 
I would like to get a response, I want my derogatory comments to be removed from my records, because I wasn't late. I want a full explanation of this mistake. 
I want my records clean and clear please. See letter from XXXX for the ACH transaction dated XX/XX/XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( transunion / XXXX  ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (WA)

A debt collector called me on XX/XX/XXXX at XXXX XXXX  attempting to collect on a debt that I have no knowledge of. This woman proceeded to threaten me with charges of Malicious Intent to Defraud a Financial Institution, which is a criminal case, not a civil case. 

Not only that, but this debt is allegedly from XXXX ; 13 years ago and puts me at the age of XXXX or XXXX years old. 

I called back on XX/XX/XXXX at XXXX XXXX  to investigate who the company was, and the same woman answered and was extremely rude and said her company name so fast that it was incomprehensible. She then immediately disconnected the call. 

As per the FDCPA : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Specifically, 805 d section 1 : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 806
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis associates made a payment place with. Me about a bill I allowed them to take money out of my checking on the XXXX each month and the left a payment of XXXX dollars on and put it was seriously past due when they been taking out there payments which balance was XXXX bucks and I called them and submitted the last payment and the have not put out proper on times payments instead the deliberately put negative stuff on my report and when I made final payment on phone they ask me personal infor I refused to tell them and they put more stuff on my credit report which is damaging my score its unfair I made a payment plan with them and the did not take out the last payment XXXX bucks which I called on the phone and did it that way and I have all my statements
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (CT)

On XX/XX/2021, I received a collection notice from FBCS , Inc, stating that I have an outstanding balance of {$380.00}. I called FBCS , Inc immediately to resolve the issue as I satisfactorily settled this account a couple of years ago. I explained to the representative the account 's status, and she suggested that I provide proof of the paid account from XXXX XXXX. 

I contacted XXXX XXXX and was emailed a paid-in-full receipt for the disputed account. I subsequently forwarded the same receipt to FBCS , Inc at their email address : XXXX. The FBCS , Inc representative, acknowledged receiving the paid in the full receipt as proof. 
Today, XX/XX/XXXX, I received another collection notice from FBCS , Inc, similar to the first notice. Additionally, this notice required one of three stated methods to verify that I satisfactorily settled the account. Please note, the email I forwarded to the collection agency contained all three required methods of proof. 
. 
The representative I spoke with today insisted that I still owe the collection agency {$380.00}. I forwarded to his agency the fully paid receipt from XXXX XXXX. I asked him to verify that he received my email. He responded that he couldn't open the email. He said that my dispute would take about ninety days to resolve, but I can settle the account today for the balance of {$380.00}. I suggested that his agency contact XXXX XXXX to confirm that they received full payment from me. He did not balk at that but tried sutle and gentle pressure to get me to pay {$380.00} today. 
From my knowledge as a XXXX ( XXXX XXXX XXXX ), I knew what he is practicing was unfair. 
I then demanded that he give me his name and employee number. He suddenly went into an incoherent disclaimer for minutes at a time. At the end of his disclaimer, I insisted that he give me his name and employee number. He finally gave in to my insistence and gave his name as XXXX XXXX with an employee number as XXXX.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( XXXX  / equifax ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.
Consumer complaint received 2024-03-09
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. (MI)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX  ) XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I Have The Right Of Privacy.

15 USC 1681 section 604 A. section 2 : It also states a customer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Some 1 paid me with a closed account on their company check and it froze my account for XXXX dollars. When I tried to repay it they sent it to a creditor and they are unreachable to resolve the issue, this happened in XXXX. And now I can't open my business account im on my wife 's account but unable to open my own.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (OH)

Suddenly received an email of " final notice '' in XXXX XXXXfrom XXXX XXXX XXXX! Wondering what it was for, I called the customer Service and she said it was adjustment from combining my wireless and internet service! I decided to pay the {$37.00} right there and then! 

A few days ago, I received a correspondence from Credence, a collection company that I owed XXXX XXXX XXXX {$37.00}, AND MUST MAKE ARRANGEMENTS TO PAY! The letter was dated XX/XX/XXXX for the bill I paid on XX/XX/XXXX! 

I called to let the Collection company know it was an error that I did not owe XXXX any more and that, the amount indicated was paid back on XX/XX/XXXX! The guy at Credence, XXXX XXXX, was of no help! 

I decided to call XXXX XXXX XXXX. I spoke with XXXX, but he too could not help to locate the payment but indicated that I had XXXX balance as of today on my account. 
I decided to chat with XXXX in their chat service because it takes a whole day to speak with a live person. 

XXXX did say it was a " pending amount ''! I said how could a pending amount yet to be paid be sent to Collection! He could not help either! 

I combined my wireless account and mobile accounts into one withXXXX on XX/XX/XXXX at their billing department! I also spoke with XXXX  on XX/XX/XXXX about further issues with the account! XXXX was able to successfully combine the accounts and provided me one account #! 
XXXX XXXX XXXX is charging me to pay again the account I already paid which was acknowledged in an email sent to me! The collection company indicated it was for XXXX XXXX XXXX XXXX XXXX! I haven't had TV service with XXXX XXXX XXXX since XXXX! Iseem to spend my days off calling XXXX XXXX XXXX for one problem or the other! 

Thank you. 

XXXX XXXX XXXX