davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account was closed XX/XX/2018 however, for the last few months transunion has been reporting this account as chargeoff which is bringing my score down every month. The bureaus have a duty to ensure that info is reporting accurately per fcra. If corrections arent made to payment history Im requesting deletion of account
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TN)

I was affected by XXXX XX/XX/2020 and again after I took the 2nd XXXX. 
I have requested mortgage assistance and forbearance with the mortgage servicer BSI Financial the mortgage servicer. I have been declined any type of assistance for several months. I was told my investor will not provide mortgage assistance or a forbearance for my mortgage. The correspondence I received stated I was offered mortgage assistance 2020 and I refused the modification.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Everest Receivable Services Inc. (GA)

Everest Receivable Services , Inc. is in violation of 15 USC 1692-1692p against XXXX XXXX. On Tuesday XX/XX/2021 My employer received a call from Mr. XXXX XXXX with Everest Receivables Service, Inc. In violation of 15 USC 1692c ( a ) ( 3 ). 

Mr. XXXX asked my employer to please verify the address of XXXX XXXX that lived in Georgia. My employer stated that he could not verify but, would give me his message. 
In violation of 15 USC 1692c ( b ). 

I placed a call back to Mr. XXXX @ XXXX to ask the purpose of his call. Mr. XXXX asked that I verify the last for digits of my SS #. Due to an alarming rate of ID Theft, I informed Mr. XXXX that I would not verify anything that had to due with my SS #. 

At that point, Mr. XXXX 's call to me became abusive in nature and I felt threaten by his tone and his words. In violation of 15 USC 1692d.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (FL)

I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$12000.00} are fraudulent and is a result of Identity Theft. These accounts have no association to me. I have contacted and sent an Identity Theft Police Report, Identity Theft Affidavit to Goldman Sachs Bank USA several times explaining my Identity Theft situation and yet Goldman Sachs Bank USA has continued to harass me and report this inaccurate unverified account to the credit bureaus. 

I sent 2 letters to Goldsman Sachs Bank USA. One on XX/XX/XXXX to Goldman Sachs Bank USA Fraud Dept. 
XXXX. XXXX   XXXX XXXX  XXXX  PA XXXX XXXX Certified mail tracking number XXXX and onXX/XX/XXXXto Marcus by Goldman Sachs XXXX. XXXX  XXXX XXXX XXXX XXXX UT XXXX XXXX Certified mail tracking number XXXX Both letters were delivered and signed for. The letters included a cease and desist letter, explanation of debt not owed, police report, identity theft report, XXXX XXXX license with Social Security card for verification. 

These letters were IGNORED and Goldsman Sachs is in continued violation of my rights under the Fair Credit Reporting Act, and are in federal violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CSO Financial (OR)

Received a garnishment notice from my employer with no previous notification. Attempted to contact CSO Financial INC and have gotten no reply. Filed a challenge with the court for failure to notify. Court records indicate that CSO Financial informed the court I was served, but address and spelling of my name was incorrect. I have had {$400.00} taken from my paycheck with no information on what or why. I check my credit report often and have no outstanding debts. I am assuming this is a mistake or fraudulent.
Consumer complaint received 2021-03-16
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: Rodenburg LLP (SD)

Mid XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was Rodenburg Law out of XXXX, ND. 

Another company had me served with the same fake document XX/XX/16 for a different debt. The law firm is XXXXXX/XX/XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.
Consumer complaint received 2021-03-16
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. (VA)

I have a collection on my Trans Union file from XXXX XXXX for XXXX XXXX XXXX XXXX. This should not be there. I moved from my apartment in XXXX of XXXX. I did not receive a final statement from XXXX. When I contacted them in XXXX, they gave me the amount due from the vacating of the apartment. I paid this per attached. 

XXXX agreed to remove this collection from my file because of the error in mailing the statement. 

I disputed this with Trans Union and it remains. XXXX XXXX XXXX XXXX. Account number prefix XXXX ).
Consumer complaint received 2020-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Back in XX/XX/2019 I called about changing my plan from income driven to a graduated plan where the payment gradually increases. Was told that they could and it would take 5-10 business days to go in effect. I called a few more times and was ultimately told wrong information. In fact it wasn't until mid XXXX that I was told that I had to make 3 consecutive payments on time to switch plans. My loan was almost in default - after much back and forth the rep told me if I made XXXX payment for 3 consecutive months on time that I would be able to move to the graduated plan. I would need to call them immediately after the third payment was made. This Month after I made the third payment on the XXXX of XXXX, I was told that it would take 5 business days to take effect. I called after the 5th day and was told that it should be any day now. I waited a few more days and called again and was told the same thing. I called again and was told they would expedite the request and was assured it would go through. I called today and was denied because I had a 'forced income driven plan ' and my account had to be in good standing to pay three consecutive months. THIS IS UNACCEPTABLE! Because I was told incorrect information twice I am in danger of defaulting the loan because I can not continue to pay XXXX a month. I feel like I'm being scammed. I spoke to the supervisor and he could not help and said there was nothing he could do. He kicked it up to another level of management but I feel I'm going to get the same story. I need help and feel helpless here. I feel like they should honor the request because it is not my fault I was given bad information - I feel like the reps are not trained properly to help people. I really need to have these lower payments and feel like they should honor it by changing my payment plan because I made 3 on time consecutive payments. I feel helpless here.
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

From late XXXX ( maybe XX/XX/XXXX ) through early XXXX ( maybe XX/XX/XXXX ), Comenity Bank -- via XXXX XXXX -- harassed me in a way I have never experienced from a debt collector. I've attached 40 screenshots just from my phone from the various numbers they would use, of which approximately 1/3 to 1/2 were from blocked numbers, which I understand to  be illegal. Oftentimes, they would call back to back, five times a day. I did not collect these screenshots, but they would often call my husband, too, at XXXX. 

I do not traditionally answer unknown callers because I have a dangerous stalker situation and that person was known to call from unknown numbers. However, they had not done so for over a year, and suddenly, this arose. Obviously, at first, I thought that the unknown numbers were them trying to call me, intermixed with the debt collector trying to contact me as well. 

For a variety of reasons, all of my incoming and outgoing calls are automatically recorded as Missouri is a one party consent state and I am diagnosed with memory impairments. Finally, one morning when I had gotten something like 4 or 5 unknown calls back to back, I decided enough was enough and picked up my last unknown call. I was absolutely floored when it was not my stalker, but a representative of Comenity Bank. That recording is attached. 

The calls have stopped since then, but obviously, XXXX and Comenity Bank are well aware that these actions are illegal. They were just " banking '' on not being caught. These laws exist for a reason, and these attempts caused me considerable distress that flared up some old wounds. As I understand it, a board member for XXXX XXXX is responsible for the creation of XXXX XXXX. I am deeply disappointed that such a prestigious company would be involved in such low-level debt collecting practices, particularly when our bill was due on the XXXX of XXXX.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I have spoken to Barclays bank in the last 10 months I would estimate XXXX to XXXX times, first they promised me that this is not my responsibility and then renege, now they have done it again after 10 months and releasing the original application to me, which proves that I did not open this card, please help
Consumer complaint received 2021-03-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Minnesota Office of Higher Education (MN)

In XX/XX/XXXX I found out that I had a student loan in collections. I tried to make reparation with them at this time, but could not afford it because I just Graduated college and did not have a job. I tried explaining to them that the letters and phone calls were not going to me, but my parents house whom i have no contact with. I have recently tried to make reparation with them ( on XX/XX/XXXX ) now that I have a job. They were harassing me that after all my bills are paid I only have {$400.00} left and I offered to pay {$170.00} and they were accusing me of being able to afford {$200.00} and that he couldnt help me unless we settled on this amount. It was then I had to tell him I just had a kid and have over {$6000.00} in medical bills as well in order for him to agree on possibly {$170.00}. Still has not been confirmed. He said he will be calling to negotiate a higher amount if it is not accepted. 

I also have good standing on two of my other loans. My XXXX  loan if XXXX and my private Loan of XXXX. I already pay {$940.00} of student loans a month. 

This affects my husband  and my two children. This affects my credit. This affects my ability to go back to school. Im asked for them to let me refinance this collection loan with my other student loans after 9-12 consecutive payments and they wont do it.
Consumer complaint received 2021-03-16
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-16
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)

Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (FL)

Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2023-01-24
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. (AL)

On XX/XX/23, XXXX XXXX, in XXXX, Al, performed an unauthorized hard inquiry pull on my credit. When contacted and questioned about this issue, they advised they pulled my credit because my payment was late and they had an outdated phone number for me. I told them that wasnt a reason to pull my credit, as they had my email and failed to try to reach me there.. they then gave me the number to their customer relations department for further assistance. I called that department and they advised they could pull my credit if my payment was 30+ days late, which I confirmed it was only 19 days late when they pulled my credit, and I had already scheduled the payment to be paid online. The agent with the customer relations department escalated the unauthorized pull to a supervisor and I havent received an update.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (IL)

Someone used my identity to obtain lights and gas in my name. AARGON AGENCY INC is trying to collect the debt thats not owed. Took one of the accounts off my credit. Later I contacted them about the other account. I Was told it wasnt taking off due to the miss spelling of my name. So it shouldve never been on my report in the first place. I was told by a Aargon Agency employee that it would be put in a dispute and it would be taken off. But what she did was update my account with the correct spelling. And instead of taking it off like she said she would. She restarted the debt as if it had just accord. The original debt hold is XXXX XXXX. But I never stayed at the address that is mentioned. So they told me I have to get a identity theft report. For them to remove something that was in accurately put on my credit. I need something done because thats against Law if Im not mistaken. It start off as I deferred the payment do to Covid so they bought the debt and start the debt over as the original debtor until I called them. It was in accurate and they changed it to try and collect on a debt not owed to either party in question. Fair credit act has totally been abused in this manner.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AE)

I have a property in XXXX, GA, managed through a management agency. The property management informed me in XX/XX/XXXX that the tenant had told them that the HVAC was not functioning. I worked with the property management to replace the HVAC unit by XX/XX/XXXX. In XX/XX/XXXX, my property had new property management, with the new management still having access to records from the old management. 

In XX/XX/XXXX and XX/XX/XXXX, I received several unresolved collection letters from I.C. Systems, Inc., about a past-due bill for {$560.00} for work that XXXX  ( HVAC company ) had supposedly performed at my property.

I reached out to the new property manager to inquire about the letter and the charges. The property management investigated the note and informed the HVAC company claimed to have performed work that was not approved by me. The property management showed me the statement from the old property management, indicating the actual HVAC work that I accepted and paid for out of my reserve funds from the management company. 

The property management informed me that the HVAC company did neither go through my old property management, the maintenance that worked with the property management ( XXXX XXXX ), or me to get this work done. They are charging me for a job that I did not request and did not approve, and I do not see a work order in the property management system matching the one on my bill. Unfortunately, I'm not sure of how I should go about disputing this collection, and it is a charge that I am not responsible for paying. 

I reached out to XXXX to find a resolution to the matter, but I was informed the bill had already been solved to the collection agency.
Consumer complaint received 2020-03-12
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. (PA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It

May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that i
naccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible :  USDOE/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible :
USDOE/XXXX   TransUnion LLC XXXX XXXX XXXX XXXX PA XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible
: USDOE/XXXX
Consumer complaint received 2023-01-24
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. (GA)

In accordance with the Fair Credit reporting act XXXX account # : XXXX XXXX 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