davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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. (GA)

Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with Transunion & XXXX. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

I was injured at work on XX/XX/2017 and went to the hospital. They billed me 6 times, I kept telling them it was workmans comp claim. Talked to XXXX the insurance company they first said they paid it then I got another bill. They then said it was the hospitals fault cause they didn't fill out the correct paperwork. They wouldn't help me get this resolved. I have been calling XXXX and they will not return my phone calls. I then filled out a form for the department of workforce development workers compensation division. No one has gotten back to me. I leave message and no return call. Collections wants me to pay, and get the money back from the insurance company. I told them that if they won't return my calls how am I gon na get my money back. It is on my credit report and I am only XXXX and trying to build up good credit. It's been a year and a half of calling and being ignored.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I received calls to my cell phone, a number I never provided to the company, the only number I provided was my land line, they do not have my permission to contact me on my cell phone, therefore they are breaking the law Telephone Consumer Protection Act ( TCPA ). The number the call comes in is always a different number with the area code 904, but the number they leave on the voicemail to call back is XXXX XXXX XXXX, which is the collections department of citi-bank. I want them to stop calling my cell and make me incurr in charges from my cell phone company without my authorization.
Consumer complaint received 2020-09-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$17000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc. (TX)

R.S. Clark and Associates received a debt for {$5500.00} five years ago from an apartment for a broken lease in my name, however I was unaware the debt had been sold until I checked my credit score in XXXX of 2014. I do not remember ever receiving a phone call or letter the debt had been sold to them. I contacted them to resolve the debt in 2014 as well as this year and both times, they tried to talk me into several deals in one phone call, each ending with the original amount instead of any of the deals they were offering. I was unaware it is law that within 5 days the company has to contact you or else I would have disputed the debt when I realized it was on my credit.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/19 Balance {$2200.00} ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/19 Balance {$1400.00}
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have requested my credit card statements from XXXX through XXXX, along with my credit card account number and I have not received them. My GM Rewards credit card switch from Capitol One to the XXXX XXXX XXXX credit card. And Capitol One did not turnover to XXXX XXXX XXXX all of my statements and I no longer have my Capitol One credit card number. Because of this merger, Capital One will not speak to me, but as a consumer I am legally entitled to my statements and my account number. Capitol One should deal directly with me.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX. XXXX. Uses XXXX and XXXX to call my number XXXX twice a day in search of XXXX or XXXX XXXX with regard to a XXXX XXXX XXXX XXXX Debt or Utilities Debt. I do not know nor ever have known any person by the name of XXXX, XXXX or XXXX. My publicly listed phone number was assigned to my by XXXX about 3 years ago. Convergent refuses to verify my number and or search else ware for their debtors. The persistent and unwanted calls have continued for 2 years no matter how many complaints I file.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account CREDIT MANAGEMENT is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-09-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$17000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I paid XXXX on XX/XX/2020 using Discover cards web site. On that same day the XXXX was deducted from my account and when calling to make sure it had gone through Discover showed the balance as zero but the available credit ar only XXXX dollars. A week later its still showing only a XXXX available credit but a zero balance. I called Discover on XX/XX/2020 at approximately XXXX XXXX and spoke to XXXX. She said that the payment was under review and that they sometimes do that to make sure it clears. I advised her that it was taken out the same day that I paid and she said that sometimes they just review a payment. I asked her what the criteria was and she didn't know. I told her I could understand if it was a check but not a bank transfer. This is ridiculous that they get to hold onto the money and not credit the account fully for available credit. What am I supposed to do going on a trip? Unacceptable practice. Never been late, paid off my balance in full what stupid money making trick is this?
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I disputed an account with Transunion and XXXX  reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing
within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.
Consumer complaint received 2019-06-20
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. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (NY)

Synergetic Communication, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IDXXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX  XXXX XXXX County XXXX XXXX , New York [ XXXX ] U.S.A This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). 

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 


I demand the following accounts be verified and removed immediately. 


In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of XXXX XXXX XXXX, Ens legis
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I have citi aadvantage master card account. I lost my card and requested a replacement. I was told the cards were canceled. The next day I recieved two new cards by XXXX, I activated both cards using the number on the card XXXX XXXX XXXX. My daughter used my wife 's card to make purchases including two purchases of XXXX at the XXXX XXXX in XXXX XXXX. One transaction at a XXXX XXXX was approved. The two XXXX  purchases were denied. I recieved fraud alerts and approved the purchases twice. They were declined again. I called back and tried to find out why they were denied a second time. The person said he didn't know but they were declined. I asked him to reinstate them. My daughter had to pay on her credit card and I will have to pay cash from my bank acccount to reimburse her. The phones are gist s to my grandson in XXXX and my daughter. I called citibank this morning. I talked to an agent who said my cards had not been activated and she activated them. I pointed out the harm done by the inappropriate denials and requested they reactivate the denials. They said, they can not reactivate a charge that has been denied. They said all they could do is activate my card. I spoke to a supervisor who said the same thing. Citi acted illegally and inappropriately by denying that I had activated the card and they have electronic transactions and recorded phone calls to that effect. Citi acted in appropriately by denying the charges when I had a {$5000.00} credit limit sufficent to approve the charges. Citi acted inappropriately by not making me " whole '' by reinstating the charges and action to remedy the distress and problems created for my daughter and I. Citi should fix these problems and provide appropriate remedies. XXXX
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

I was made aware of a judgement back in XXXX because this company tried to garnish my wages. It was a default judgement as they were sending all comminution to an address I have not leaved at in 9 years. The company was made aware of the wrong address and this being a fraud. I provided them with a police report and also filed out the fraud packet provided by them. I have requested all documents and never provided anything. I requested them multiple times. I have not heard anything about this debit and assumed it was closed due to fraud. Now 7 years later they with no other communication they are trying to garish my wages again for a fraudulent account. 

I have called multiple times no one answers the phone. 

i have attached the paperwork and police report from XXXX.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

The first payment I made with Servicing mortgage company, went to a " Slush Account '' and I recieved a late payment, The payment was on time. Then I made a XXXX payment, on the XXXX, again a late payment and I was told that they thought it was just extra principle. I got made and asked for a payoff, made that payoff on XX/XX/XXXX, my mortgage is not payed off though I don't see a late payment the my amount due is larger then normal so one would assume that it didn't get credited. They told me I need to get another payoff quote even though they had the money and the payoff quote was good till the beginning of XXXX, today is the XXXX of XXXX. I asked to speak to a manager, they transferred me and I got a message that all costumer servicing agents were unavailable at the moment call back in 30 min, I hung up, called back screaming, finally got someone to fix it but I really don't have any idea if it is fixed if the late payments were reversed or if interest is being refunded.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: First Data Corporation (AZ)

On XX/XX/2019 by XXXX by XXXX XXXX from XXXX ( a First Data Corporation owned company ). I was contacted about debt which is owed by my employer on XX/XX/2019 I was contacted at XXXX XXXX by XXXX at which time I expressed that I did not wish to be contacted again about this debt, and I asked for all calls to be made to my employer. I also expressed that I did not appreciate being contacted before XXXX. 

on XX/XX/2019 I was sent a text message from XXXX at XXXX XXXX asking for a call back. 

on XX/XX/2019 I was called by XXXX XXXX XXXX, I rejected the call. 
XXXX I was called at by XXXX XXXX XXXX, I rejected the call on XX/XX/2019 I was called at by XXXX XXXX XXXX, I rejected the call. 
on XX/XX/2019 I responded via text to XXXX that I did not wish to be contacted before XXXX. 
on XX/XX/2019 XXXX responded back at XXXX XXXX, " my appologies ; I will make sure not to call before XXXX moving forward. 
on XX/XX/2019 I was called at XXXX XXXX  by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call
Consumer complaint received 2020-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MI)

I was denied my loan modification because I was told the proper documentation was not supplied before the end date. However, I have proof that I did submit the information for my loan modification on time and was sent an email confirmation from quicken loans stating that it was received on time by them. I also can show through recorded calls that they spoke to my twice the day it was due for clarification on what the documents each were for and both calls were recorded and ended with them stating they need nothing further. Yet I was foreclosed on and caused in due stress by a mortgage lender who had given almost no help or advice and clearly had no intentions to ever. Correct this or work with me, even though I quailed because I went on short term XXXX twice last year and have my income cut in half.
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (IA)

I got a loan from a sort of new lender. Unfortunately each and every time my payments have submitted, the way they connect to the account the payments have been declining. Apparently they use XXXX to connect to bank accounts. They had absolutely no problem depositing the money when I took the loan, but there's been money there for days and they refuse to take the payment it's some processing issue. Every time I update my debit card it just declines. So I gave up on using my XXXX bank account XXXX and tried to use my XXXX XXXX XXXX account - it keeps having me enter the routing and account number over and over and sending me in a loop. I'm getting closer and closer to the 30-day Mark and I don't appreciate them threatening to report me late when I've been attempting to pay since it was due. I want them to fix my payments so they go through by ACH with my XXXX account and remove my XXXX Account. This is ridiculous. I'll never take a loan again.