davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (PA)

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .Great Lake Id:XXXX .its not fair its bringing my score down badily
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MI)

I discovered a debt owed to Citibank on my credit report while attempting to finance a new home purchase. we contacted Citibank to settle up with them but they are refusing take payment or work with us in any way due to the account being in an " unworkable status '' thus holding my credit hostage. i spoke with XXXX id # XXXX who refused to work with us or escalate the contact to somebody who could. we just want to pay this and get it off our credit report.
Consumer complaint received 2022-06-13
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. (CA)

In accordance with the Fair Credit Reporting Act 1. 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 a account without my written instructions
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Having issues with replacement of a card so that I can use benefits that have been provided by the unemployment services been through a lot of stuff even court and had it ordered for my account to be unfreeze and they still play there games
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent an investigation request to Trans Union on XX/XX/XXXX. THey were supposed to respond within 30 days, but they have not.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2022-06-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I noticed a strange debt on my credit for UNITED REVENUE CORP from XX/XX/XXXX. On XX/XX/XXXX, I called to inquiry about the debt and find away to have it removed from credit. I was told it was the remainder of a hospital bill that was not fully covered by the insurance company. I asked how can I settle the debt. I was offered a 20 % off discount. While discussing the discount, the agent was extremely unprofessional by not answering my questions about how the discount was offered. The conversation lead to me asking for manager. The agent advised the manager was not available to speak to me which lead me to ask how so when she had just spoken with them about the discount. I was told they were closing for the day and needed to end all calls. Then the agent hung up on me. I tried to call back but no one answered the option to speak with an agent. So I called back today, XX/XX/XXXX and got another agent on the line After explaining that I was hung up on yesterday and would like to resolve the account XXXX she told me I have to pay the full amount and the discount was no longer available because it wasn't paid on XX/XX/XXXX. I explained again that the agent who offered the discount was unprofessional and hung up on me and I asked for the manager. I was told the manager was the only manager and was not available due to speaking with an insurance company. She asked for my contact information to get a call back. While inquiring about how long it will take for a call back this agent proceeded to be just as unprofessional, badgering and belittling me because of the debt. I explain that I had no idea this was on my credit as it started to report in XX/XX/XXXX. She kept speaking over me and when I asked her did she have my phone 5 times she hung up on me too. I immediately called back and got a third agent. I explained to her what was going on and she kept me on hold for too long without addressing the issue. I called out to see if she was still on the line and she finally acknowledge me. She didn't try to address my concerns at all. She said because the last rep was getting me a manager I needed to wait for the call back. I asked her was there a phone number listed there. She called a phone number that I haven't had in over 1 year. I gave her the correct number and asked for to be transferred to someone higher than the manager since the manager is unavailable with no estimated time for a callback. That request was totally ignored by the agent continuing to tell me the manager will call me back. I asked her why she wasn't addressing my question. She told me to have a nice day and the line went silent. After no response to my numerous questions for 2 minutes I ended call and proceeded to write this complaint. It seems this company trains their agents to be unprofessional to the consumer who is trying to pay them.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC (TX)

Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. The account has since been returned to the current creditor CKS XXXX XXXX XXXX. We suggest XXXX XXXX contact CKS XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX XXXX XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MS)

The balances and information that this collection agency is reporting is inaccurate. The same original creditor is reporting two different balances and the two separate charges for the same thing ( two separate amounts ). I've reached out to the collection agency and the original creditor to resolve issue. Original creditor can not tell me what the balances are. Regardless of terminating lease early, they can not verify what the balance is for and what the other collection company is collecting for. Of course the collection agency is going to stand firm that the information is correct, it is not! I will be seeking legal action against these people.
Consumer complaint received 2022-06-15
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

Online Information Services placed a collection on my credit bureau and the original credit is XXXX XXXX without written consent. I contacted the company and confirmed I have never stayed at the address where the account was created. The amount owed is {$790.00} and I have contacted the company to state I have never stayed at the address owed. They are saying this is my account.
Consumer complaint received 2019-03-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A. (FL)

My daughter and I sold a car that we were on the NOTE together. My daughter and her husband purchased a cashier 's check from PNC bank where they bank payable to XXXX XXXX  on XX/XX/2019. The cashiers check was placed in the mail and sent to the address we were given by XXXX  for payoff of the account. On XX/XX/XXXX this check cleared PNC account but our loan did not show paid in full and when calling XXXX were told no check was ever received to pay our account in full. We then checked with PNC immediately on the XXXX or the XXXX who informed us that the check was deposited into a XXXX account and that the monies were transferred from PNC to XXXX. Neither bank has performed any type of due diligence in assuring that the check was paid as written. XXXX should have never accepted a check made payable to another bank and PNC did not raise any red flags that they were transferring money to a XXXX account when the check was clearly made payable to XXXX XXXX. We have called and sat on hold, visited PNC and visited XXXX. Both banks blame the other and neither will admit to any wrong doing of their due diligence. We have requested a provisional credit from PNC bank to pay the loan in full that was meant to be paid and have been told no due to the amount. The lady we sold the car to is now driving around with illegal plates and tags that were simultaneously transferred to my son 's jeep but she can't get her own plates because we can't provide her a title with no loan payoff. My son is also driving around with expired 30 day tags. No one seems to care that we are in a precarious position with this nor will they make right a wrong that they have done by not doing their jobs to insure that we are protected as consumer 's. No red flags were raised at either institution and it's unacceptable. We have sat on hold, visited branches, and just keep getting tossed around and told our case would be escalated the next day each and every time, however no correspondence is being done on their end only on ours.
Consumer complaint received 2019-03-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (TX)

I received a call from GC Services asking me to confirm my date of birth and social security number. I refused to do so to protect personal and confidential information. They refused to tell me what they were calling about. Since then they have repeatedly called and left messages. No information has been provided to me at all. Today I received an email from my employer attaching a purported " Order of Withholding from Earnings '' from GC Services. THE NAME AND THE SOCIAL IN THE ORDER ARE NOT MINE, NOR IS THE DEBT. GC Services has unlawfully and improperly attempted to get my employer to pay my money to them directly. Now, conveniently, they do not answer any calls. 

The " order '' cites 20 USC 1095a as not requiring a court order. However, said section authorizes the XXXX XXXX XXXX ( not GC Services ) to initiate a proceeding, which requires a hearing and NOTICE. GC Services misstates law in an attempt to improperly garnish my wages for someone else 's alleged debt.
Consumer complaint received 2018-12-10
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: Experian Information Solutions Inc. (NC)

I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
Consumer complaint received 2019-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (NC)

My daughter at the time had two different forms of insurance. Her primary insurance at that time was through the military insurance and the other was through Louisiana XXXX. At the time of the emergency, XXXX XXXX XXXX the original debtor ) had both insurances on file. When I first received this bill, I contacted them about both insurances. I had two other bills with them at that time, that I felt that I was bullied into paying, which were in a smaller amount, however, I don't feel that these bills have been applied properly because all other bills were paid through both insurances. I have disputed this bill about three to four times and have gotten nowhere. I am not sure of dates or times, however, I believe that the year was in 2015. I have never before, had any problems with any medical bills up until this emergency occurred for my daughter.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. Down below you will find a copy of all documents
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TN)

I have been making payments to One Main Financial for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX I applied for bankruptcy. I did not follow through, do not have a judgement, never entered bankruptcy. Case was dismissed from the court on XX/XX/year>. Case number was XXXX. I would like this non-bankruptcy removed from my credit reports.
Consumer complaint received 2021-10-23
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureau 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 2021-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureau 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.