davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (AK)

Debt was discharged in Chapter XXXX bankruptcy. Original creditor REPORTS it as such. Whoever this is apparently tried to buy bad debt AFTER the chapter XXXX and is trying to collect on debt that was discharged. They report it as CLOSED, yet they report it as LATE every month. ILLEGAL and I want it to STOP! IF XXXX show the debt was discharged, they CAN NOT pass it off and sell it to someone else after the bankruptcy to try and collect!!!!!!!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My CURRENT and ONLY address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2022-02-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. Has violated my Rights. XXXX XXXX. XXXX 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 2021-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (OH)

Continued phone calls from Superfleet collections with the intent to harass and annoy and to tie up phone line. They call from XXXX. They called yesterday and I provided payment information to 4 different people yesterday. The last person I spoke with yesterday told me the account would be noted and that the calls would stop. Today when they first called, I explained that I had spoken with them 4 times yesterday, and provided them the payment information 4 separate times. I asked for them to cease and desist calling. The lady laughed at me and said the calls would continue and she hung up on me. I called the number back and asked to speak with a supervisor and a gentleman refused, spoke over me, and said they would continue to call until the payment was received. I have received five phone calls today from XXXX - XXXX XXXX. One time they actually called using two different lines at the SAME time. I then called the XXXX number to file a complaint. I spoke with a supervisor at Superfleet and then also to the cancellation department ( account was supposed to have already been cancelled ). The cancellation department ( XXXX XXXX ) informed us that they were aware of NATIONWIDE mail delays from the United States Post Office and this was happening all over. However, they continue to harass and charge exhorbitant late fees to their customers - even customers like us that have NEVER been late on a payment and pay their account in full each and every month. We asked them to ensure that the calls do not continue.
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (TX)

this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the XXXX XXXX as a SCAM!! for the XXXXwo or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( Transunion, XXXX, and XXXX  ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Trans Union continues to report an incorrect telephone number and outdated address information on my credit report in addition to inaccurate accounts, account balances, and payment information. The erroneous manner in which monthly account payment information is reported on my report indicates credit fixing. Too, an account where the account number was changed because of a lost card is being reported as 2 separate accounts with the lost card account still being reported as open and current. I am being denied credit based on payments Transunion reports that appear designed to discriminate against me as a minority.
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a chase credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. XXXX XXXX was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made XXXX XXXX and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. 

I was deceived by XXXX XXXX and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2021-02-04
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)

for the last 6 months I have been told that I need to contact the creditor as they may not know how to contact me, I have contacted all the creditors and they can not find the information that is being report nor an account and they tell me to go to the credit reporting agency the credit reporting agency keeps sending me back the creditor does not have my contact info. 

I have provided documents to include police reports and ftc reports still same thing
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the better XXXX  as a SCAM!! for the two or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Opened my credit card statement and it shows that I paid the entire balance on the card ( which I do every month ), and I was charged {$14.00} in interest. I called the company and asked them to remove the interest charges, they stated that since the final payment of the month was made after the payment due date of XX/XX/21 ( not the statement closing date of XX/XX/21 ) that they would not remove the charges. I pay off all of my credit cards every month before the statement closing date. This has happened several times in the past and the interest charges have always been removed from the account.
Consumer complaint received 2021-02-04
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: TD BANK US HOLDING COMPANY (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019XXXX XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (AK)

Back in XX/XX/2019, someone gained access to my XXXX XXXX account information and completed wire transfers of large sums of money into my account, XXXX XXXX However, XXXXXXXX XXXX  continued to accept deposits from these people well after my call to them informing them of the fraudulent activity and froze my assets for about 2 weeks. In return, they forced me to close the account that I had with them for 8years with no problems before this other than a few overdrafts paid immediately ; they printed a check for my funds in the account. To my understanding, there were no fees owed to them, so I don't understand what their motive is. Because I called XXXX and made them aware of the strange activity, the thief or thieves I don't know who the XXXX they are could not do what it was they set out to do. 
So I took my check and deposited it into my new credit union account, however ;, now that I have relocated from XXXX to XXXX and have attempted to open a local bank account, I have been denied ; I made another formal complaint against XXXXXXXX XXXX, got a letter stating they are working on resolving the issue and will be in touch. Well, that was about 3 or 4 months ago, and I have yet to hear anything, so I think the issue is resolved! Wrong again, I am ; I go to cash a check at the local XXXX and get denied there. I call XXXXXXXX XXXX again ; the lady gives me the number to ChexSystems, helps me print off a report, and noted this report. Still, a bunch of inquiries, I call ChexSystems back, and the man tells me he can not help me and that I should call the financial institution. Who am I supposed to call if I don't know who has blocked me from having a bank account in XXXX?
Consumer complaint received 2021-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

When I opened my BBVA Savings account, I thoughts its an ONLINE Savings Account with no fees. Now I just realized they charge me a quarterly service fee of {$15.00} and my account is over-drafted. I would like to close this account and reverse those fees. Given the pandemic crisis situation, I just got laid off from my job and I am unable to keep with my current obligations with BBVA. At the same time, I DID NOT know that my savings account is having a quarterly service fee of {$15.00}.
Consumer complaint received 2021-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

Company : Cross Country Mortgage. 

I have been trying to have my Escrow account pay my supplemental tax with the surplus in Escrow for 3 months and continue to get ran in circles. I initially contacted them in XXXX and have called several times since and began emails in XXXX and still have no resolution.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-02-04
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: LEXISNEXIS (GA)

So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX  : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
Consumer complaint received 2021-02-04
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: FORD MOTOR CREDIT CO. (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT, Inquiry : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-02-04
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: Westlake Services, LLC (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020 XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020 XXXXWESTLAKE FINANC add a hard inquiry on my credit reports. 
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc. (VA)

MDS has reported XXXX of my accounts to the Credit Bureaus even after I have made payments. I have been making weekly payments and have even paid XXXX of the XXXX accounts that I have with them. The rep told me that I have 30 days to pay this debt in full. She went to advise me that making payment arrangements does not prevent reporting. I think this is unfair especially when I am attempting to pay this debt.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

Kansas Counselors and XXXX XXXX are attempting to collect a debt that is not mine. The debt is for my son. They have reported it to the credit bureau and it is affecting me negatively. I have a court order in place since XXXX that states that My childs father is responsible for all medical debt and to provide medical insurance for him. I have reached out to both companies on numerous occasions to resolve this issue. I sent them copies of the court purser signed by the judge stating that XXXX is responsible and they refuse to take this off my credit report. They told me that the court order is irrelevant and I am responsible since it is my sons bill. The date on this collection account is XX/XX/XXXX for the amount of {$270.00}.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (IL)

THIS ACCOUNT WAS REMOVED FROM MY XXXX  FILED BECAUSE I SHOWED THEM THIS ACCOUNT WAS NOT MINE. NOW IT IS SHOWING UP UNDER ANOTHER COMPANIES NAME. I HAVE ALREADY TAKEN CARE OF THIS. THE AMOUNT IS $ XXXX OPENED RECENTLY.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I put my mortgage into forebearance. After the forbearance ended in XX/XX/2021 the mortgage lender SPS services recalculated the payment at {$1000.00} higher than it was prior to the forebearance. I am unable to make this payment and I fear my house will be foreclosed. I need help for me and my family.