davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

I have Pro Collect on my credit report for a debt I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked Pro Collect to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.
Consumer complaint received 2021-09-30
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. (UT)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-09-30
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-16
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. (MD)

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT EXPERIAN : XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX has my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose
Consumer complaint received 2019-11-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

Opened a new " Accelerated Savings '' account with Citibank over the telephone and transferred over {$500000.00} from one of my other savings account at Citibank into the new account. On XX/XX/19 I noticed that I couldn't see my account online at all anymore and I emailed XXXX XXXX who I had opened other accounts with in the past in the XXXX office. I later learned that they closed my account on XX/XX/19 without telling me they were going to close the account and overnighted me a check for the balance of the account plus my interest earned over that month which amounted to {$500000.00}. I reopened the account right away and was able to redeposit the funds on XX/XX/19. Should the funds were to have stayed in the account the interest earned would have been {$220.00}. Citibank tells me that the account was closed because I did not send in a signature card, but that was never requested when I opened the account and there was one on file from my other accounts with the bank. Citibank can review that phone call to ensure that this was never mentioned. Additionally I never received a call, letter or message in the online message center saying my account needed more information. I tried resolving this issue with XXXX XXXX and he was unable to assist since the account was opened up over the telephone.
Consumer complaint received 2022-08-16
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. (VA)

XXXX accordance with the Fair Credit Reporting act 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 2021-09-30
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. (FL)

XXXX has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.
Consumer complaint received 2021-09-30
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. (CA)

As always. I usually check my credit report monthly. On XX/XX/XXXX was exception that's when I noticed a few derogatory comments on my Experian credit report. On that same day XX/XX/XXXX. I called the number that was on the report and spoke with a representative from XXXX XXXX. I was told I'm being recorded. Then I was asked a series of questions which I answered. During our brief conversation I asked the representative. What's mailing address on the invoice? She replied with a po box . I then told her I don't have a po box and it would be greatly appreciated if your company remove the derogatory report off my credit. She agreed. Fast forward to XX/XX/2021about a week later nothing has done in this regard. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; CA XXXX XXXX Thanks- XXXX XXXX .
Consumer complaint received 2022-08-16
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. (VA)

n accordance with the Fair Credit Reporting act 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 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On Thursday, XX/XX/XXXX, I received four alerts for changes to my Equifax credit report for four accounts. The FIRST alert indicated that my XXXX Credit Card loan type had been changed from a regular Credit Card to a XXXX XXXX Credit Card for every month retroactive to XX/XX/XXXX. I immediately contacted XXXX XXXX, who informed me that my account is not a XXXX XXXX Credit Card and that they did not report this change to Equifax. This call was recorded for reference. It is important to note that XXXX XXXX XXXX XXXX are not included in credit scores. My credit score dropped as a result of this change. Equifax also added a comment " Amount in h/c column is credit limit ''. This is incorrect and was not reported by XXXX. This is explained further in the next three alerts. The SECOND alert indicated a comment had been added to my XXXX XXXX account stating " Amount in h/c column is credit limit ''. This comment is incorrectly stating that the amount reflected in the 'High Credit column is the credit limit for the account. I confirmed the correct credit limit for this account with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for this account. XXXX XXXX is indicating that they did not report this change, which negatively impacts my credit score. The THIRD and FOURTH alerts indicated that comments had been added to my XXXX XXXX  XXXX and XXXX XXXX  XXXX accounts stating " Amount in h/c column is credit limit ''. These comments incorrectly sated that the amounts reflected in the 'High Credit ' columns is the credit limits for these accounts. I confirmed the correct credit limits for these accounts with XXXX XXXX. The amount reflected in the 'Credit Limit ' column is the correct credit limit for these accounts. XXXX XXXX  is indicating that they did not report these changes and are opening up an investigation into why these changes were made. These changes appear to be retaliatory in nature against me. Further, after my prior complaint against Equifax regarding the incorrect factors they used to determine my credit score, a change was made to my credit profile with updated factors. These factors are also incorrect. So although Equifax failed to respond appropriately to my prior complaint, they did update the factors determining my credit score with more incorrect factors. I have attached screenshots of all claims in this report.
Consumer complaint received 2021-09-30
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)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Recovery Management (SC)

A representative from Fox Collections in XXXX, Tennessee ( XXXX ) called from ( XXXX ) XXXX and discussed my debt with my dad. She did not even try to verify identity with a date of birth or social it anything, just address before she started releasing my personal information about a debt to my Dad. This occurred at XXXX XXXX  on Thursday XXXX XXXX. On my dads phone number ( XXXX ) XXXX
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX/XXXX/XXXX received a promotion as below Starting XX/XX/XXXX you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/XXXX. 
In XXXX and XX/XX/XXXX i have completed these qualified transactions and received {$30.00} ( {$15.00} for bill pay and {$15.00} for debit card transactions ) for XX/XX/XXXX posted on XX/XX/XXXX as i didnt receive credit for XXXX transactions, i have contacted HSBC so many times, end of XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ), they keep saying they escalated the issue and get back to me but no hear from them. it supposed to post it on my account 8 weeks after completion- it means it should post it end of XXXX per their customer service. it has not been posted and i waited till end of XXXX and the account to be active. i didnt hear anything. to avoid any fees on account, i closed the account today but i should be eligible to revieve this fund as this credit should be posted end of XXXX and my account was active. 
Please see attachment for their promotion offer email and my transactions as proof of eligibility. transactions shows " XXXX '' next to it are XXXX transactions and credit for those transations are posted. ones for XXXX were not credit yet - more than XXXX debit transactions for XXXX and more than XXXX bill pay for XXXX that should qualify for {$15.00} each credit. whenever i called the customer service, they had different excuses that is not true statement like this offer is not for you ... or promotion ended in XXXX... i have a proof of email from XXXX and they finally agreed but no credit was posted.
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

I have National Credit Systems on my credit report for a debt ( {$6500.00} ) I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked XXXX XXXX to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.
Consumer complaint received 2022-05-26
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. (KY)

On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with XXXX XXXX. I called XXXX XXXX Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with Transunion as being an active, valid account. XXXX XXXX would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.
Consumer complaint received 2021-09-30
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. (IL)

Hi I have disputed this bankruptcy several times. However this time I provided proof that The Us court does not report to them.. They refused to remove the this item.. They also completely ignored the other request! I requested to have them both removed immediately.. They Denied one and ignored the other..
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (NV)

On or about XX/XX/XXXX i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well XXXX, XXXX and XXXX have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over XXXX year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX date opened XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date OPened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened XXXX account Number XXXX XXXX XXXX Account Number XXXX Opened XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date oepned XXXX XXXX XXXX XXXX XXXX XXXX date oepened XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Consumer complaint received 2021-09-30
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. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-30
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. (NJ)

You removed this account and then placed it back on my credit file. Against eviction moratorium in 2020 this should not have been placed on my file. The balance is inaccurate as well.
Consumer complaint received 2020-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I have learned that Navient will not help you lower your monthly payments if your loans are current. Because of this, I've had to let my loans fall behind and into default in order to receive the lower payments. Each time I call, they never offer or even acknowledge Income-Based Repayment Plans ( IBR ). I have to apply for forbearance and pay a fee for the " pleasure ''. 

While I wait for " enough time '' to pass before they will assist ( causing my loans to become past-due ), I and my co-signer receive up to fifteen calls a day from Navient. This harassment happens at all hours of the day ( XXXX XXXX to XXXX XXXX ), seven days a week. 

Also, I have five student loans with them ( one for each year and a fifth one because the loan amount requested was incorrect ). Once my forbearance is approved, I am told that the payment I make is dispersed equally to each of the five loans. This usually is not the case ; they will only apply it to some of the loans, so I will be bombarded with letters and phone calls stating that I am past-due, when I am not. This past time I was in forbearance, I called to ask if I could change my due date. They assured me I could ; however, when my payment ( which is automatically paid to them and which THEY set up ) did not occur on that day, I would again receive numerous phone calls and letters until the payment was received on my new due date.
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received mail from Citi Bank on limited time offer on opening a checking account with an enticing promotion, I went to the link ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and spent time to fill out the form. The immediate response was that my application was denied. No reason given. 

This makes realize that this is but a trick Citi Bank use to collect consumer information to whatever purpose later on.