davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (FL)

Typical deceitful bill collector. Collector told me if I set up a payment plan, would not be reported to CRA and If I don't they will hurt my credit. Also, I contact the XXXX XXXX XXXX XXXX XXXX and they have NO records of any payment due since my Insurance covered and pay all my medical expenses. They admitted their mistake and said they will send an email to americollect to retroactively fix the issue. I asked americollect to contact XXXX XXXX XXXX XXXX XXXX and they refuse to do so saying they do not contact their client. This is unfair and illegal to not rectify an issue after proof is given. Threatening me to ruin my credit over a debt That I DO NOT OWE. I seek advice from XXXX XXXX who advices me to call in which I did as stated above to the phone number ( XXXX ) XXXX and I also conducted an investigation in which according to CFBP Americollect stands at a whopping complaint rating # 182 of 2,458 companies.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-22
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. (AZ)

I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/23 Navy federal withdrew {$100.00} 3 times from my checking account for an account that I was XXXX old. Md law 5102c states that debts older then XXXX XXXX years old are no longer able to be collected. They never spoke with me they just withdrew without my consent causing me to overdraft on XXXX payments. When I called to explain the law the gentleman said that law did not matter they can go in at anytime to pull money when they want to regardless of how long ago the debt was.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

After falling behind with my mortgage payments, Mr. Cooper ( my lender ) placed me on a trial modification payment plan ( for the months of XX/XX/XXXX to XX/XX/XXXX arrears ) beginning XX/XX/2019. After making the first two payments, Mr. Cooper decided that although I mail out the third payment prior to the due date ( XX/XX/2019 ) my payment was not posted until the XXXX of the next month. When the payment was finally accepted, the lender refused to accept the next months payment. However, Mr.Cooper Did accept the XX/XX/2019 payment. While communicating with them today ( XX/XX/2019 ) they stated that they would refused the XX/XX/XXXX payment as well. This situation could have been averted by just posting the money on the next day of business. Now the invoice is stating the arrears are now {$4700.00}. According to my calculation there are only two months of arrears ( this month and XX/XX/2019 )
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (NJ)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I've asked for the past seven months that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NY)

When my lease was up with American Honda I received the bill which I tried to resolve since some discrepancies came up. I got the run around then I finally set up payment that they should pull out the amount out of my bank account they failed to do that. I kept calling to get this resolved I kept getting the run around until they finally completed the withdrawal months later. This has been detrimental to me since it postponed the payment by almost a year.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-06
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. (FL)

I am a victim of Identity Theft, I have requested that this be removed from my account over the last 6 months, I called equifax spoke to a supervisor and was advised that the only way to have these items removed are to make a complaint because that is the onky way that they will remove these items. I feel as if that is horrible to treat someone who is alreasy going thru something like this in that way.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Consultants of California (CA)

CCOC is not providing me the original bill and is asking me to back to my insurance which I no longer have. 

They have purchased this debt form XXXX, but are not able to provide me the details. 

Thank you!
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

Debit is listed under my dads name. XXXX XXXX 1- XXXX was my dad 2. XXXX died on XX/XX/XXXX 3 notification from national recovery advises XXXX that he owes XXXX  as of XX/XX/XXXX. He died on XX/XX/XXXX. 
4- national recovery reported on my credit report. My name is XXXX XXXX. I am not XXXX XXXX 5- as his daughter I dont inherit his debt. Although Ive tried to clear it up, but national recovery must submit reliable documentation of correct amount of debt. They have failed to do so. 
6- national recovery reports on credit report that XXXX owes {$440.00} 7- Ive asked national recovery to justify the amount owed, to no avail. 
8- I dont quite understand how the credit reporting agencies can place such a derogatory action on a consumers file without verifying the validity of the debt and the person that owes the debt. This is a serious abuse of power on the credit reporting agencies. 
Once again, my name is XXXX XXXX XXXX XXXX. XXXX Please advise. I have all documents available to substantiate my claim.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc. (OH)

On XX/XX/2019 I called First Federal Credit Control Services in regards to medical debt they have from my general practitioners office. My GP notified me that I needed to make a payment arrangement on the bill to continue to be seen. I was not aware of the amount or which one specifically when I called. Apparently there is a few and some are a couple of years old. I have been working to pay them off slowly, I do realize. I spoke to one woman initially who asked what I could pay and I said I could pay {$40.00} bi weekly and she said I was welcome to do so online but this would not resolve the matter as they would only accept 1/3 of the total amount owed today to start a payment arrangement with me. I asked what they would ask for today and she said {$480.00}. I told her I did not have that much to give them right now. She told me that some of my bills were very old, etc. I told her I realize. She reiterated the last time I made a payment was in XXXX. I also said I realize. I asked for a supervisor. She placed me on hold for an extended period. I spoke to a XXXX XXXX who then berated me telling me oh boohoo we all have lives and kids but we pay our bills and told me you better hurry up because you have one minute before I hang up on you she yelled at me and hollered in the phone. XXXX chose to continue to be abusive in her language. I sure hope their calls are recorded. When I asked for her name and if she was even a supervisor she said youre not going to intimidate me I chose to disconnect the call. This is not how business should be conducted. Bill collector or not. I was attempting to set up an arrangement to get this bill in order. I was continually told how much debt there was out there {$1400.00} which in the grand scheme isnt huge. But {$1400.00} when you dont have it might as well be {>= $1,000,000}.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (NJ)

After reviewing my credit report again, I can still see the inaccurate late payment account that need reporting and correction through your company. The Bureau violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card had an unauthorized transaction on XX/XX/2022, with an amount of XXXX. I submitted a claim to dispute it but my bank denied it. The reason they used was that " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service ''. But definitely I didn't give my card to anyone and I had not been the place where the transcaiton happened. 

I think the reason may be that my card was lost XXXX months ago, and I got a replaced one with the same number. So I wonder whether the lost card still could be used.
Consumer complaint received 2022-02-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX 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 an account without my written instructions. 

XXXX XXXX XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

A representative from Hunter Warfield call me attempting to collect a debt. The debtor shared a name with me, however it was for an apartment complex in which I have never lived in. When Inasked how they got my phone number as I was fearful it may have been identity fraud that I needed to deal with they would not tell me and became rude. I assume they XXXX  my name and found my number associated with it. I was seeking confirmation that the company that they claimed I owed the debt to had or had not provided the phone number. 

I am very protective of my credit information and wanted to make sure it was not identity theft, otherwise I would need to deal with that immediately. Hunter Warfield refused to provide me with confirmation after they called me multiple times telling me I owed a debt that I did not.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I receive 2-3 calls per day at my employer from XXXX XXXX. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day XXXX will continue to call using another XXXX XXXX phone number.
Consumer complaint received 2021-06-12
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. (LA)

On XX/XX/21 a fraudulent inquiry by XXXX XXXX was made on my credit report. 
I did not initiate an application for credit with any of these companies. This is not a factual record of my credit history because I did not initiate it. This credit file inquiry is unauthorized and without a permissible purpose
Consumer complaint received 2022-12-04
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: Nelnet, Inc. (FL)

I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. 

They refuse to block info that I'm telling them is result of Identity theft
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

PNC has done it again! On XX/XX/XXXX. I was charged an overdraft fee that put my account in the negative! the day before I had a positive balance and with their overnight processing, somehow something I did days prior caused the account to overdraw in their calculations and not only that the same day XXXX had a {$500.00} deposit to cover all funds they claim they paid for me that happened days prior! The actual overdraft fee is what overdrew the account! The same thing happened again on XX/XX/XXXX where the day prior my account was in the positive, they did their overnight accounting and again something I did days prior they claimed overdrew the account yet that same day I had a {$1100.00} deposit and the overdraft fee they gave me overdrew the account! It makes ZERO sense and then when I call in the agent can see it is wrong and makes no sense and does nothing to refund me the fees. I have screen shots to even show the ledger that they are WRONG!
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I had an active and open checking account. I received a deposit early XXXX and when following up, discovered the account was closed. The bank closed the account without notice yet still accepted the deposit. When asked why they accepted a deposit on a closed account they stated because it was temporarily opened. When asked how I could access my funds, they stated that I would receive a check after an unknown amount of time has passed. I have no access to my money and have not since XX/XX/XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

Heartland ECSI is a loan servicer on XXXX of my student loans. Charged what they are calling an AR loan charge to my account a one-time payment of {$4000.00}. I was not alerted or provided anything in writing explaining the charge. It has messed up my credit. I tried to make a payment plan as a one-time charge of {$4000.00} was out of my means. They put my account in collection and reported it to my credit. A payment plan was not going to help and they claimed I had to pay everything at once. I have finally settled the debt after a lot of saving and getting a better job. I have reached out several times asking if it can be taken off my report and they are saying they can not do anything about it. I have reached out to the credit bureaus and they say it will have to be Heartland ECSI that takes that off my credit. I am now stuck in limbo and struggling to get any credit card or loan after working so hard to pay a one-time huge charge of a student loan.
Consumer complaint received 2022-02-04
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. (LA)

Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, Experian, XXXX, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.