davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Coradius International LLC (MI)

The only method this company has used to contact me has been by phone. They did not communicate by mail first which I know is law. 

The first phone call was last week on XX/XX/2019 from American coradius international they us a spoofer to hide there actual number they made it appear to be a local number ( XXXX ) XXXX When I informed. The women that was calling on behalf of XXXX that the debt was included in bankruptcy that had already been discharged, she told me they dont recognize bankruptcy and that I owed XXXX plus collection fees. I informed her to not call me again and hung up. 

My grandmother then called me on XX/XX/XXXX to inform me that american coradius international on behalf of XXXX they informed her of a debt how much was owed and told her it would be in her best interest to contact me and make me call. This is a XXXX year old women they threatened. 


american coradius international tried to call again on XX/XX/XXXX XX/XX/XXXX and this morning XX/XX/XXXX XXXX
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

This company, NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX  in XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX  and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manager at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
Consumer complaint received 2019-07-05
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. (NJ)

I called Iowa student loan office on XX/XX/XXXX and talked to XXXX. He said they reported the last balance back in XX/XX/XXXX and the account is now closed. The credit report states i have a balance of {$1000.00} and XXXX said they never reported that amount to Trans Union. The account should be closed by the Department of Education.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (PA)

This debt was discharged. Now its back under a new company. XXXX is tanking my credit over something that was there fault. Why should I pay this debt when I had told these people to turn off my service? All three credit reporting agencys are now in such a bad place I cant even apply for a car lease. Theres still errors on my reports and when I try to dispute them its like I dont exist. XXXX  is another one and I have never applied for a XXXX card but I have to wait till they drop off. WHY??? This is so unfair. There even telling me I have no work or credit history when I apply. Why does social security have a more detailed history on me then these credit reporting agencies? They are supposed to be so important in getting cars and homes but I find that the information is so wrong. I also have student loan asking for the principal. Are they going to tank my credit too?
Consumer complaint received 2019-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (SC)

In XX/XX/2017 I consolidated my student loans with Premier Student Loan Center who also lead me to believe I was in a student loan forgiveness program. I just recently found out that it wasn't true after contacting my original provider. I was scammed out of around {$1500.00} believing I was paying toward my loan to find out that nothing was applied to my student loan.
Consumer complaint received 2023-01-03
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

My payment was due on XX/XX/2019 which is a Sunday. The payment was received onXX/XX/19 ; however the company charged me a late fee and interest due to the payment being received the day after it was due. The company agreed to reverse the charges to my account, however when i asked whether they had any controls to ensure that others in a similar situation were credited they said no, that the customer had to call in to have the payment accurately posted. This is not fair to the customers who are not aware that they are being charged fees and interest inappropriately because it requires that they take action to resolve a problem that is known to the card servicer.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

Loan was sold to Rushmore Loan Management Services. During the change of loan management I received a letter from the original loan service company telling me the loan would be changed to Rushmore Loan Management Services and they gave me a new account number and address to send the payments to. I use bill pay on XXXX and did just that. Got an automated call today XXXX from Rushmore Loan Management Services telling me to contact them. I did. The person asked if I planned to keep the home and then asked for the payment information. I provided the info I was given and was told the account number had been changed. Rushmore Loan Management Services rep said my check would be mailed back to me and I would have to submit a new payment with the correct account info. I have no issue with that except that they said I would be charged late and other fees since the loan would be considered late after the XXXX. There is no way I will get the check, bill pay another one and have it posted by the XXXX, that is only 5 days. I asked them why I would have to pay fees on a new loan and asked if they could not be charged or waived since this is a new loan in transition. They were unwilling to discuss or work with me on it. What options do I have, if any to deal with this.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

My complaint is against ARS Account Resolution for 13 medical billings on my credit report. This is re-aging of accounts which is not a legal practice. For this unlawful practice I requested that they remove accounts from my report, they refused. I also disputed the items through each credit bureau requesting they advise the agency of these unlawful practices. Some were removed from XXXX and XXXX. XXXX did not remove any. 
I also am filing a complaint XXXX  actually allowed the collection agency to correct the dates after I submitted my dispute for re-aging of the accounts unlawful practice an. I contacted all three bureaus and complained and resubmitted the disputes for unlawful re-aging, awaiting outcome. 
My complaint extends to all 3 credit bureaus for not handling my dispute properly and once the problem was pointed out by me by calling not complying with my request to have them removed.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

hi to whom it may concern bank of america closed 2 of my credit cards for no apparent reason on or about XX/XX/2019. i had both of these credit cards with bank of america . i have perfect history with them and they gave me no indication as to why they closed my accounts. all i was told was i was a high risk, but did not specify why i was a high risk. al tho they didn't inform me or indicate this was a reason my credit report reported high balances. i told them of this and asked if this was the reason but recieved no response. i formed them that some cards had been fully paid and that the report was not accurate. this was a within couple days of account closing. only thing they offered was to try in dispute this and i agreed but no luck. i fried in few times within the week and same result. once my cards had reflected they had been paid off on or about XX/XX/XXXX i tried again but i received the same result. this is the only thing that had changed on my report. i was using both of my cards within terms and conditions, i always paid on time. they gave me no explanation or reasoning for there actions. i believe bank of America is negatively profiling me as they have no reading and can not come up with a just reasoning for there bias decision. i would greatly appricate any help the resolve this
Consumer complaint received 2019-07-05
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. (GA)

section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported
Consumer complaint received 2018-05-01
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: AES/PHEAA (TX)

I filed a dispute with XXXX on XX/XX/XXXX regarding student loan company AES/PHEAA falsely reporting payments being made to them. The last payment made to AES/PHEAA for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to XXXX that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. XXXX completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XXXX. Furthermore, XXXX has allowed this loan to be reported a second time on my credit report under PHEAA but the same account number see attached ).
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

In XX/XX/2023 I made a purchase from XXXX believing they were XXXX. The website popped up via a XXXX search and the company was posing as XXXX XXXX who has been in business for quite some time. After my money was sent, I attempted to contact the seller with the name and address of the FFL that I wanted my firearm sent to and immediately my emails began to bounce. This happened on XX/XX/2023. This is when I realized something was wrong. I continued to try to contact the seller and even emailed the address on the zelle account where the money was sent, but to no avail. I contacted my bank that same day, XX/XX/2023 to let them know that this company was fraudulent. I searched online and found that it was two separate websites and found multiple reviews were other folks had also had money stolen from them. My bank, XXXX, stated that I had to wait for the transaction to process before they did something about it and that I shouldn't have made the purchase to begin with. I called again on XX/XX/2023 when the money did process and filed a claim with Zelle 's fraud department. This weekend, XX/XX/2023 I received a letter from XXXX stating that because I made the transaction that I would not be getting my money back. 

I have reported this fake gun company to the Federal Trade Commission as well as the Georgia State Commissioner and the XXXX XXXX XXXX
Consumer complaint received 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LEADER ONE FINANCIAL CORPORATION (MO)

Applied home loan there was incorrect item on my credit report loan officer preapproved loan stating this error not an issue as we had proof of error. Made offer on home XXXX XXXX asked officer on phone and email if loan was good to go she said yes several times. Gave landlord notice. Come mid XXXX XXXX weeks before close. Officer states that error is an issue get a lawyer. I scrambled to get it fixed on my report. They ask seller for extension but said she might not wait till report is fixed. I wrote email saying why did n't you as an expert forsee this would be an issue. Could have been fixed in XXXX why did you say it 's all good go home shopping.? I paid appraisal but asked to put it on hold they said too bad too late.. The credit report was fixed XXXX XXXX with a close now XXXX XXXX. They claimed even though we were good to close needed time to fund they asked seller to extend possibly few days to 1 week. Seller refused cancelled contract. I was totally misled misinformed due to loan officer negligence lack of knowledge she even told me back in XXXX she ran my report past a underwriter but later admitted it was just score and income approved. As someone who does this for a living she should have stated this needs to be fixed before we proceed. Not it 's all good it 's not an issue. Go home shopping your preapproved. She then sent me unprofessional email saying I hurt her feelings after stating I was misled costing me stress loss of my home and XXXX dollars on appraisal. And I should n't point a finger at her. I want my XXXX refunded. ASAP.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed USBK COURT TX XXXX ( Bankruptcy XXXX  XXXX ) and in response, you verified the item as accurate, stating that you have verified the information with the court.The court do not report to you or any Credit Bureau for that matter ; therefore, you initial response verifying item with the court was an error.The reporting requirements do not comply with FCRA 611 ( 15 U.S.C.1681I ), and the information must be deleted immediately.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

In XXXX with the XXXX XXXX XXXX and XXXX Account, the below listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  : Last reported XX/XX/XXXX {$250.00} Open balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX XXXX DEPT OF EDXXXX  : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
Consumer complaint received 2019-07-05
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: Experian Information Solutions Inc. (GA)

section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported
Consumer complaint received 2019-07-05
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)

I submitted a dispute for the XXXX account that is listed on my consumer credit report due to varying dates of last activities between all three credit bureaus in XXXX of 2019. The account also does not reflect that the account is being disputed by the consumer and the date of the last update is showing as XXXX, even though Experian claims to have just completed an investigation on this account. This proves that Experian did NOT perform an actual investigation into this account that is reporting highly inaccurate and incomplete information. This issue has been brought to Experian 's attention on more than one occasion.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I attempted to log into the mobile app for Bank of America checking account information. I was not able to log in and received a message to call the ( 800 ) customer service number. I was told by the customer service attendant that my account was in the process of being closed due to fraudulent activity. I was instructed to go to my bank branch and have the funds in my account transferred to a new account. At the branch office, I was told that I would not be able to transfer the remaining funds in my account to a new account so that I could have access to my funds and continue to utilize a Debit card for future transactions. I called the ( 800 ) number as instructed by personnel at the branch. The customer service representative told me that I would have to call back on Friday after the XXXX XXXX XXXX holiday. 

I obtained a copy of my account statement and noted that the statement showed a hold on a pending debit of {$880000.00} as of XX/XX/2019. I had no knowledge of such a debit amount and I do not understand the existence of this debit. 

I returned to a branch on XX/XX/XXXX, with a copy of my statement and asked a customer representative for an explanation of the action taken by the bank. I was told that the pending {$880000.00} pending debit was the banks way of identifying suspected fraudulent activity in an account. The representative attempted to get information by calling the banks internal ( 800 ) number but after a wait of over an hour the representative informed me that closing the account, refusing access to my remaining funds in the account and/or opening a new account so that I could continue with transactions I have to make would not be permitted because the account was closed as a result of a " Business Decision ''. 

I was finally told that I would have to return on Monday, XX/XX/XXXX to receive the funds I have remaining in the account but I would not be able to open a new account. 

I believe this action is discriminatory in that I have needed to make numerous transactions while maintaining only a nominal balance due to the fact that I have been out of work for a year and unable to maintain and utilize this account in the same manner as I have for over the previous 20 years when I used this account for direct deposit of my payroll check.