davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ProCollect, Inc. (TX)

XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX, XXXX XXXX XXXX sent me a credit card, which I never applied for, charging the XXXX 'XXXX  RENEWAL FEE, ( {$57.00} ), BANK INVOLVED XXXX-My XXXX XXXX XXXX Mastercard I made a telephone call to XXXX XXXX, I was told that this matter would be resolved in three business days, I was provided with a ticket number XXXX, my membership was not renewed, ID cancelled, I had a guagantee on 4 tires installed 10 months before one got damaged, and they refused service because I did not pay the renewal fee. On XXXX I tried to find out what was going on and they told me that no information was available because the account was closed and sold to MIDLAND CREDIT MANAGEMENT, latter I have received a letter from this company I contacted them on the phone and latter by mail, first call on XX/XX/XXXX, last mailing was recived by XXXX XXXX on XX/XX/XXXX, I spoke to XXXX XXXX to dispute this debt, I got a reply stating that they have reached the conclusion that their records were correct. I am a XXXX years old man this is given me emotional duress, this is a matter of principle, you must investigate XXXX 'XXXX practices to collect renewal fees, also the 2 banks involved : XXXX XXXX XXXX  and Midland Credit Management.
Consumer complaint received 2019-10-13
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: EQUIFAX, INC. (KY)

XXXX XXXX, XXXX  and Equifax and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XX/XX/XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XX/XX/XXXX. This is a major violation that needs to be removed from my reports immediately.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX, Experian  and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of 2018. It still continues to report to all 3 credit bureaus. The date opened for this account was back in 2005. This is a major violation that needs to be removed from my reports immediately.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Trust Financial LLC (ID)

I have been working with the team at Trust Financial on a debt that I owe. They have been good to work with. I still dispute the debt with the original creditor, which has nothing to do with Trust, but know it should be reported to the credit bureaus based on what they have. However, when I saw the debt on my credit report it is being reported by a XXXX XXXX XXXX XXXX. I have never heard of XXXX XXXX before this and have never been contacted by them. I tried to find information on XXXXXXXX XXXX within the state of Idaho and when I did I found documents that show that XXXX XXXX has been dissolved as a company by the state. I did further research and see that the principal names on the documents also own other agencies in the state of Idaho, including a law office as they are lawyers. I tried to call XXXX XXXX and the number was not for XXXXXXXX XXXX, but a number of other collection companies. I spoke with an agent from Trust Financial, and they said that they " bought '' XXXX XXXX. When I asked then why it is XXXX XXXX as the owner of the debt and that I saw it as fraud, the person I was speaking to told me they would hang up on me if I continued. I asked how a company that no longer exists can report to credit bureaus and the agent hung up on me!
Consumer complaint received 2019-10-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Constant miscommunication is taking place. All of this information has been reported internally to Bank of America for investigating, as well as reports filed against XXXX XXXX XXXX to the XXXX Police Department, FBI, XXXX Police Department, XXXX XXXX XXXX , & XXXX XXXX. 

One notarized Hold Harmless Letter was sent to Bank of America on XXXX directly from a XXXX  Banker as requested by Bank of America for {$3400.00} USD. Still to-date, Bank of America is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at XXXX needs to sign off on my HH Letter. XXXX has also told me over the phone that I would need to forward my Hold Harmless Letter to Bank of America a second time, in which I've done so to their HH Mitigation Team, yet Bank of America is telling me that it needs to come directly from XXXX & that I was misinformed by XXXX. 

What's the status - has Bank of America received my first HH letter sent directly from XXXX for processing? A second attempt Hold Harmless Letter was also sent to BOA via BOA Secure Messaging. 

Has my Hold Harmless Letter been received & accepted to process the Swift Wire Recall from XXXX from their scammer account holder, XXXX XXXX XXXX, an impersonator at XXXX XXXX, who has stolen my {$3400.00} in a fraudulent job scam?
Consumer complaint received 2020-02-21
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. (AL)

I recently conducted a review of my credit report, and I noticed that your agency showed 9 credit inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible  convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, below are the unauthorized inquires that are not tied to any open lines of credit. 
XXXX XXXX XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX  Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX XXXX Inquiry from XX/XX/2019 Misc.
Consumer complaint received 2020-02-21
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. (AL)

I recently conducted a review of my credit report, and I noticed that your agency showed 6 credit inquiries that I find to be problematic please remove the unauthorized credit inquiries XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX and they have confirmed there is no bankruptcy showing on my profile however both XXXX and Experian are the only ones reporting a bankruptcy on my credit report that doesn't belong to me.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (IL)

My dog needed XXXX  so I had to open a CareCredit account. Apparently, when filling out the application there is a checkbox I clicked for a security feature to be added that I was not aware of that was racking up {$100.00} a month monthly charges to my account. Mind you, I work at a credit card company and I would have never signed up for something like this. I was planning to pay this entire balance off 6 months later when I got my bonus before the card started charging interest. This is a huge scam, and not sure how they are getting away with this. I tried to call and get this removed-they were able to cancel whatever benefit this was and only refunded me for 1 month. On top of the $ XXXX monthly fees, that charge was then getting an interest charge. This card was supposed to be interest free for 6 months. This company is a huge scam and the fact that I now have almost {$500.00} additional fees to them is ridiculous
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

CCS Collect Debt Collectors have added a Collections account to my credit report with XXXX, XXXX, and XXXX  that does not belong to me, is NOT my debt and SHOUD NOT be reported on my credit report, especially as a COllections account. Had CCS done even the minute amount of Due Diligence required in verifying debt, it would have known that this collection for Lab Work for XXXX XXXX is NOT MINE. Had i ever received a bill from XXXX, it would have been paid. Had I ever received ANY form of communication from CCS ( including debt verification - which I did NOT ), I would have immediately contacted them and disputed the debt. As i never received any form of collection debt notice or verification required under the FDCPA and the FCCPA, I was unaware of this " debt collection '' until i saw the erroneous Collections alert on my credit report. As I am in the process of qualifying for a new lease, this has caused me monetary damage, loss of time in dealing with this issue, loss of income, among other damages. If this is not IMMEDIATELY removed from my credit report ( I have already had it removed from my XXXX report but remains on my XXXX and XXXX ), I will be seeking legal counsel advice and I will sue CCS and XXXX XXXX for violation of the FDCPA, and the FCCPA.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SG and Associates (NY)

Person keeps leaving me voicemails on my phone from a credit card company or some kind of supposed credit place that comes up as fraud when you XXXX XXXXhe phone number XXXX. They also contacted family members and Im not quite sure how they got their numbers. This is harassment and I want it stopped! I do not owe anyone money it is fraud.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (AL)

I recently conducted a review of my credit report, and I noticed that your agency showed 22 credit  inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Below are the unauthorized hard inquires that are not associated with any open lines of credit on my credit report. 
XXXX/XXXX Inquiry : XX/XX/XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX General Clothing Stores XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (DC)

I applied online for a line of credit through PNC secured by a XXXX mortgage on our home. I provided information to support my income that I reported including personal tax returns. I have been a partner at a law firm for 13 years. PNC insisted on getting not just my personal tax returns but returns for our entire business which would expose sensitive personal information for other partners. I explained to PNC that the K-1s are the equivalent of W-2s in demonstrating my income. Our firm does not distribute our partnership tax returns because they contains personal info for all partners. Our COO did not understand why the partnership returns were relevant to underwriting my income for a home equity LOC. The PNC " supervisor '' ( XXXX ) said that she was unwilling to even speak with the firm COO and that in order to move forward with the home equity LOC I needed to provide the firm tax returns and divulge all the personal information of my other partners in the firm.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, denial for a Chase Sapphire Visa Signature account was received with incomplete information about the denial. No response was received form the company as requested by correspondence dated XX/XX/2019. Without that explanation, it appears the company is using age discrimination as part of its business model.
Consumer complaint received 2020-02-21
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. (TX)

I HAVE ATTEMPTED TO CONTACT XXXX XXXX AFTER RECEIVING SEVERAL PHONE CALLS. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I BELIEVE IT TO BE FRAUD! I HAVE BEEN BACK AND FORTH WITH THIS COMPANY AND THE CREDIT REPORTING AGENCY! 
i HAVE DONE SOME RESEARCH AND I BELIEVE THAT THIS IS A SCAM!
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I submitted complaints through the cfpb website on XX/XX/30 to have them investigate the following accounts Members XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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 XXXX also harassed my requiring me to send a paystub and drivers license picture because the stated my information I reported on my cfpb complaint was inaccurate which was false and documented on the cfpb website I also attached the letter I received from them
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

disputing this account XX/XX/XXXX this is not my account i have never had an apartment and never authorize this account XXXX is reporting this wongful account on my credit report this is name of the account XXXX amount {$1000.00} this is a fraud account
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had an account on my credit from XXXX and XXXX and XXXX XXXX that I paid and was agreed to be deleted still showing on my credit report. Ive sent numerous documents from the creditors to EQUIFAX stating the accounts should be deleted its they have yet to delete the accounts.
Consumer complaint received 2020-02-21
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. (TX)

I HAVE ATTEMPTED TO CONTACT XXXX XXXX AFTER RECEIVING SEVERAL PHONE CALLS. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I BELIEVE IT TO BE FRAUD! I HAVE BEEN BACK AND FORTH WITH THIS COMPANY AND THE CREDIT REPORTING AGENCY! 
i HAVE DONE SOME RESEARCH AND I BELIEVE THAT THIS IS A SCAM!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022
Consumer complaint received 2021-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ASSURANCE FINANCIAL GROUP, LLC (VA)

I received a tax invoice from Treasurer, XXXX County, VA on XX/XX/XXXX. I contacted the county and XXXX XXXX  XXXX/Assurance Financial on XX/XX/XXXX. On XX/XX/XXXX, I received another invoice from the County showing the taxes not paid with late charges added on. I contacted the Treasurer 's office and was advised that they had sent two additional letters to the mortgage company. The tax was not paid. 
I have called XXXX/Assurance 30 times beginning XX/XX/XXXX. On four occasions i was told by a customer service supervisor that I would be contacted in 6-10 business days. No one has ever called. 

The money is in my Escrow account. This is a refinance. The persons I spoke to at the mortgage company acknowledge that the money is there. 

I called today XX/XX/XXXX and was told again that the case would be expedited and that I would receive a call in 6-10 business days. 
The only information I have received is 2 form letters acknowledging receipt of my inquiry, telling me that they will respond to my inquiry " within the time limit required by law ''. I don't know what the law requires. Not helpful at all,