davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MN)

XX/XX/2023 a drop in my credit report happened because Pro Collector listed me as a debtor for a lease I wasn't on, it is not my debt. 

XXXX I called Pro Collector and explained this and sent in my mom 's lease showing that only she is on the lease, I didn't sign on as an occupant or a co-signer as I was living in Minnesota and still am the entire time. This apartment is in Florida. 

I provided proof of residency in Minnesota as well. 

I've seen in past reviews of this company that this isn't the first time they've falsely represented debt on incorrect people.
Consumer complaint received 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

At this point, Ive closed my account with Wells Fargo, but from XXXX while I was a debit card account holder they fraudulently charged me multiple overdrafts in the same day on single transactions. They also would move posted transactions from previous weeks and days to today, yes posted ones, not pending ; then overdraft fee me anyway as if my money somehow disappeared to cover it originally when it had posted days prior. The other odd thing is that their extra day grace period does nothing. From Sunday- Friday of last week I was on the phone with them every night after I came home each night because Id go to the bank, deposit XXXX dollars to make my account positive or XXXX to make it positive, go to bed with a positive balance and awaken in the morning to XXXX overdraft fees because my ATM deposits did not post and were pending. Meaning even if I submitted money into my overdrawn account to make it positive, by XXXX XXXX  XXXX XXXX, I would still be overdrawn the next morning even using their own bank ATMS. I have never had another bank day that Cash ATM deposits at one of their own branches is pending. Ive also never had that with a XXXX  transaction but it was happening on a day by day basis leading me to have to close my account Friday to avoid them overdrafting me again the next morning. I probably lost XXXX bucks or more in that week and they were incessant that they could not waive the fees even though I was meeting their policy to avoid them. It caused me such immense stress I had trouble performing my job everyday and my mental health declined. I lost an entire paycheck to them back in XXXX of XXXX. They seem to be a scam hiding behind a big banks name. If you check the attached screenshots youll see based on the dates of the emails that they were overdrafting me every day, even though they sent the extra day grace period I was either XXXX  or making an ATM deposit to make my account positive that night before waking up to a negative balance again due to just fees, no new transactions. They were doing it to me every night as you can observe for about XXXX days. Screenshots of the phone calls can be found as well. They would retroactively move around posted transactions on the previous day to change my posted balance by the ending of the night before, when on my end it showed positive. So where did my money to initially cover those posted transactions go as well? For example : if they overdraft feed me {$35.00}, and my account is negative XXXX I put {$50.00} in via XXXX or ATM to make myself positive, I go to sleep with a {$0.00} balance ; I was waking up to find they would take posted transactions from days or weeks before and move them to the prior day where my {$0.00} balance I went to bed with now shows as negative for the end of that day. Leaving me with overdrafts in the morning. Even when I met their extra day grace period.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TN)

I was alerted by XXXX XXXX of a new collection on my credit report after doing some investigation and contacting XXXX I've determined this account was opened with out my permission or knowledge. this is the second att account opened using my info. I have active fraud alerts on all my credit reports. the outstanding debt is XXXX and being collected by franklin service inc. I've had active att service at my home for years I don't understand how this happens. i have a filed a identity theft affidavit and have a police report for identity theft
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX 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 an account without my written instructions
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hi I have a few recent inquires on my Experian Business report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay any debt collector as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with you for an exchange of services or goods. The extortion part is when the debt collector fraudulently post to my credit report, in an attempt to extort money from me.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

I called MBA Law ( The Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Attorneys at law ( today XXXX/XXXX/XXXX  ) to get information about an attempt to collect on a very old medical bill. I felt billing was duplicative of a medical bill already in collections with XXXX XXXX. I asked the rep that I spoke with if this was a debit MBA LAW obtained from another collection agency. She said it was not and was received directly from XXXX XXXX XXXX. I looked back into my records and discovered that this is not the case, and this debt was with XXXX XXXX. In addition, the MBA correspondence indicated that the current Creditor is XXXX XXXX XXXX. I have no knowledge of this agency and never received any correspondence or spoken with this agency. I also indicated that my call was triggered by the prompt received online indicating that I was not able to enroll to get information " due to the status of your account ''. In calling I was told that in order to be able to view any information electronically, that I had to send an email acknowledging ownership of the debt. Even though the written correspondence encourages online use. 

I find the tactic of withholding online access ( the ability to obtain information ) unless I send a statement that I am responsible is a potential UDAAP trigger. I believe it is MBA Law 's intention is to restart the clock on an old debt where the statute of limitation may have passed.

Facts regarding the dispute : As a Virginia resident the statute of limitation is five years this originated in 2018 This debt was sold a possible 3 times and old debt should not hit my credit report as new debt.
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (MT)

Approximately two years ago, some accounts linked to my name were reported to XXXX and XXXX. I informed both agencies that I had not received any notification from Rocky Mountain Professionals by mail about these accounts. As a result, the said accounts were subsequently removed from my credit record.Last month, I received another bill from Rocky Mountain Professionals with added accounts and detailed transactions up to XX/XX/2023. Upon contacting your office on that date, the representative I spoke with introduced herself as a debt collector and mentioned that our conversation might be recorded. When I inquired if it was indeed being recorded, she confirmed in the affirmative. I then proceeded to explain that the bills from XXXX XXXX and XXXX XXXX were disputed due to a lack of prior notice, a reason recognized and acted upon by the credit reporting agencies.I formally requested a detailed breakdown of all accounts, a request which was made XXXX days ago. However, on today 's date, XX/XX/XXXX, another representative contacted me, seeking clarification on which account breakdowns I was referring to. After I reiterated my request for a comprehensive breakdown, he informed me that I would have to wait an additional 14 days.Given that Rocky Mountain Professionals is located less than XXXX miles from my residence, and considering that I've already waited for XXXX days, I find the further delay of 14 days to be concerning.
Consumer complaint received 2023-02-09
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. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I honestly do not understand what is happening. I have not owned a vehicle since I sold my XXXX XXXX approximately 4 years ago so I have not been required to carry auto insurance obviously. I'm trying to insure a car now and my rate is through the roof and XXXX XXXX, for instance, is saying that I filed some sort of claim XXXX of last year. That is absolutely false!! I need this removed from my record.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXt # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX I.C. XXXX XXXX XXXX XXXX Account XXXX XXXX 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 states a consumer reporting agency can not finish a account without my written instructions
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

As of XX/XX/2023 I received an email from the online banking company Chime stating that my checking account and credit builder account were closed for no reason other than this Were sorry to share the news that we have decided to close your Chime Credit Builder Visa Credit Card Account and Chime Credit Builder Secured Account, effective immediately. Your account was closed for the following reason ( s ) : Account does not comply with internal policies and/or the member agreement. Once your secured account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days to the address we have on file for you. - sincerely, Chime. 

After receiving this response I immediately called the customer service line to figure out what happened exactly and the representative failed to provide the exact necessary details as to why my account was closed. However, after battling back and forth with the representative I asked for a supervisor who stated the the following quoted text above. Then I instructed to reach out to the Chime support via email. And once again no actual reason for the account closure. I have had my Chime account for about the length of 9 months total and Ive never had an issue with any of my activities. Other than dealing with unauthorized or returned transactions. Chime failed to provide me a notice so that I can arrange for my funds to be handled accordingly rather than having to wait for a check to be mailed out within 30 days to the address on file. 

This unaware closure has caused a HUGE inconvenience for me because my checking is set up to receive deposits from my upcoming benefit paychecks, income from my social media platforms that Ive earned, income from side gigs, etc. And so without having immediate access to my funds Im unable to make my bill payments on time, cover my financial obligations & other costs. And since bill payments will not be made on time, I am forced to have to endure unfair & uncredited late payment fees. This situation is complete unreasonable, its behind handled unfairly & lastly, it is being forcibly imposed on me without once again a simple heads up. This has effected most under class Americans like myself and I will not stand for it. I would like for this situation to be resolved and to know the exact details as to why it occurred in the first place if possible.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my dissatisfaction and concern regarding the prolonged delay in the removal of fraudulent items from my credit report, despite multiple attempts to address this issue. The presence of these fraudulent entries continues to unjustly impact my creditworthiness and financial standing, necessitating urgent action from your agency. 

Since [ date of first attempt ], I have made numerous attempts to dispute and remove the fraudulent items from my credit report. Each time, I have provided substantial evidence and documentation to support my claims, including affidavits, police reports, and any other relevant information. Despite my persistent efforts, the fraudulent items persist, causing significant distress and frustration. 

The prolonged presence of these fraudulent items has had severe repercussions on my financial well-being. It has unfairly tarnished my credit history, making it challenging to obtain credit, secure loans, and access financial services. Furthermore, it has caused considerable stress and anxiety as I continue to navigate through the dispute process without resolution. 

Given the multiple attempts made to address this issue, I urge your agency to prioritize the swift removal of the fraudulent items from my credit report. Specifically, I request that : The fraudulent items be thoroughly reviewed and promptly removed from my credit report without further delay. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On or about XXXX of XXXX, through collection calls and XXXX mail , we became aware First Citizens Bank XXXX XXXX ) XXXX they had not received our Mortage payment, acct ending in ( XXXX ). We contacted XXXX bill pay and the check had went out more than XXXX days in advance of the XXXX of the month late date. In a panic, my wife sent another check. We continued to receive collection calls and XXXX continued to allege they had not received the subsequent checks. Long story short, we sent nearly XXXX in checks that were subsequently all found and cashed on the same day by XXXX paying our mortgage up months in advance and overdrawing our account. Our investigation through calls to XXXX employees revealed the checks had been " on a desk '' or " in a mailbox '' and not processed in accordance with policies. The employee apologized to us for the clear error on XXXX part. Fast forward to XXXX, when we are again due to resume payments, and it's happened again. More collection calls, letters, but this time on XXXX of our accounts ( XXXX ) and ( XXXX ). When I insisted with the collection agent that I was not going to do anything until XXXX, and the problem was with XXXX XXXX, the next business day, both payments were posted and back dated to XX/XX/XXXX indicating XXXX had received both of the payments on time and XXXX issued a reversal of fees and payment on its own, indicating again an error in processing in a timely manner. As of XX/XX/XXXX, my account reflects past due again, even though I know the payment was sent via my banks bill pay more than XXXX days ago. This happens month after month. The emotional distress this has caused me and my wife is great. The harassing collection calls and letters, when we know the payments are just sitting on someone's desk is maddening. This seems to be a repeated pattern of behavior culminating in needless stress and harassment of XXXX customers. XXXX has taken no action over XXXX months to resolve the issue of their systemic processing failures. XXXX continues to purposefully victimize its clients knowing the failures are their own and knowing clients have no recourse due to current mortgage rate environment. Thusly, customers are forced to suffer abusive collection practices, even though payments have been sent timely. I request an audit and investigation into the XXXX offices mortgage processing practices
Consumer complaint received 2023-03-08
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. (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-28
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: SANTANDER HOLDINGS USA, INC. (CA)

my credit report is showing a auto loan from Santander consumer usa for the about of {$37000.00} opened on XXXX XXXX XXXX. this account does not belong to me and I would like it removed from my account immediately