davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
Consumer complaint received 2018-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (GA)

Ally had s class action law suit. And failed to add my name to the law suit for any purchases made XX/XX/2011. Someone from ally called me she was XXXX. I stated this car I purchased was only XXXX but by the time I get through paying the car off I would have XXXX dollars. Im stressed out emotionally distressed if the pain this XXXX company has caused me and thousands of others. I want them to send me my title because I have paid Ally Financial enough money. I still owe 3000 plus dollars. 7 years later today.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

My home is scheduled for foreclosure XX/XX/XXXX with fraudulent robo signed assignments. 
The loan was allegedly placed in a XXXX XXXX XXXX XXXX XXXX 2018 XXXX. This trust was created for the purpose of foreclosure only. The loan was toxic from conception. I mailed a qualified written request and also ask for proof of claim and neither were responded to.
Consumer complaint received 2020-01-30
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX  opened XXXX {$250.00}
Consumer complaint received 2020-01-30
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Dear Sir or Madam, I would like your help to prevent Rushmore Loan Management Services a Debt Collector company from using any dishonest tactics to take my home. They want to change my Monthly payment from {$470.00} to {$510.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from that debt collector that indicated there is a shortage of Mortgage escrow. '' According to them they indicated a projected low point of {$810.00}. " Under the Mortgage contract State or Federal law, the lowest monthly balance should not {$280.00}. '' The difference between the projected low point and the amount required is $ XXXX This is the shortage. '' When I called them I spoke to to Rep. Ms. XXXX ID # XXXX on XX/XX/XXXX I was told the reason my mortgage going up on XX/XX/XXXX is because my hazard Insurance went up to {$1600.00}. My previous Hazard Insurance was {$1400.00}. The difference was only {$220.00}. 
I called the XXXX XXXX to tell them that I was about to drop them because the Insurance went up. They brought down the payment to {$1100.00} They sent me a refund check for {$540.00}. They told me to cash the check and returned my personal check of {$540.00} to The Debt Collector Escrow Department. I faxed to # XXXX a copy of the check from XXXX XXXX and a letter indicated the check for {$540.00} was sent to adjust the Mortgage Escrow shortage, Now my Insurance is lower than last year from {$1400.00} to {$1100.00} which I was paying {$470.00}. I do not trust them because they sent me a letter as written acknowledgment of receipt of my correspondence received by their office on XX/XX/XXXX, XXXX without even mentioning the check of {$540.00} that was sent to them with my letter. They also have not cashed the check and requested 30 days for review. 
Please help me, as a XXXX Year old with a husband that suffers from XXXX I can't not afford my mortgage to go higher because I will not be able to afford it. 
Your help will be greatly appreciated. Thank you very much!
Consumer complaint received 2018-11-28
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: DISCOVER BANK (CA)

XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MO)

On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a CACH , LLC as the current creditor - even though I have no relationship to or knowledge of CACH , LLC. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
Consumer complaint received 2018-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

XXXX hospital of XXXX, CT claims I owe them a dollar amount of {$2800.00}. What you dont know is that I showed them my insurance card during the visit, and I have proof that I had insurance during that time. Once I found out about he debt I called and told them I had insurance they said the can not accept the insurance now. I only found out I had the debt when I checked my credit online. This was a simple visit to the doctors some while ago that happened when I was much younger and aloof, that is now following and dragging me down. Long story short, I do not feel this is fair.
Consumer complaint received 2018-11-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

The collection - XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. XXXX XXXX XXXX is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
Consumer complaint received 2018-11-28
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: Millco Management (FL)

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
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: PNC Bank N.A. (FL)

XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (NY)

The collection - NCB Management Service , Inc have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. NCB Management Services is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (CA)

I received a bill from Pinnacle Recovery in XX/XX/2018 for XXXX. The debt was from timeshare maintenance dues for XXXX XXXX  that I had not paid. When I received the bill, I logged into the account per the instructions on the Pinnacle bill. I set up a payment plan and the debt was paid in full within 3 months. At the end of XXXX I received a call ( about a day or so after the debt had been paid in full ) from a Pinnacle representative. He said that I still owed " around {$150.00} or {$160.00} something '' and that if I didn't pay right then over the phone, I would remain in collections. I asked to speak with a supervisor who sounded like the same person. He told me to pay it now over the phone and then hung up on me when I asked him to please explain why I still owed them money. I called XXXX to get help from them and the representative told me that Pinnacle had the account and until it was paid in full, they would not be able to get the account back. I have to work it out with them. I explained to the representative at XXXX that no one was able to tell me the exact amount I owed or why and she told me she was sorry, she was unable to help me. I received another bill from Pinnacle for {$130.00} on XX/XX/2018. I logged into the account and paid it in full that day. I received a call from Pinnacle right after it was paid. They did not leave a message but I recognized the number as I now have it saved in my phone. Every day since I have paid the debt in full I have attempted to log into my Pinnacle account to see if there is anything else I owe. Since XX/XX/2018 when I enter my account number it now says the account number is invalid. I received an email from Pinnacle on XX/XX/2018 stating that the account was paid in full. XXXX XXXX XX/XX/2018 ) I received another message from Pinnacle that they are attempting to collect a debt from me. I attempted to log into my account on the Pinnacle website to see if the account had been reopened with another amount and it still tells me the account is invalid. I imagine I will get another bill months later for some other amount. I refuse to pay over the phone because of the many scams out there and every representative I speak with gives me a different approximate amount. I am unable to get out of collections with this company because they keep asking me for more money every time I pay the bill in full. I am unable to pay anything to XXXX because Pinnacle holds the account. Please let me know how I can get this bill out of collections. My parents are also now getting harassing phone calls from Pinnacle. I am not even sure how they got their phone number.
Consumer complaint received 2021-10-11
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. (MD)

Experian is reporting a bankruptcy on my credit report and they claimed to have verified it with XXXX i received a copy of my XXXX report and there is no Bankruptcy being reported on my report so this is inaccurate so please investigate and send me your findings thank you in advance
Consumer complaint received 2021-12-07
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. (OH)

I am myself the consumer and im a victim of identity theft. I have tried numerous times to have this inaccurate information removed. Attached if a federal trade commission report showing which items are fraudulent and pursuant to 15 usc 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block and delete the reporting of any information in the file of a consumer that the consumer identifies as information resulting in identity theft, not later than 4 business days after the date of reciept of this such notice.
Consumer complaint received 2018-11-28
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: PNC Bank N.A. (FL)

XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
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: FIRST NATIONAL BANK OF OMAHA (FL)

XXXX has been non-compliant with removing the unverified account FNB OMAHA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that FNB OMAHA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX account # XXXX, XXXX XXXX account # 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 a account without my written instructionsI
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX I reached out to Midland Credit Management regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my XXXX account that was closed to suspicious illegal activity. I have not used my XXXX account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my XXXX account has since been closed.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlas Collections Inc. (of New Castle) (IN)

XX/XX/2020 Collector called while I was at work. I tried to comply and come up with a payment plan. The woman suggested a low of which I am unable to pay and she said they only offer payments as a courtesy and they dont HAVE to accept payments. I said it was a show of good faith and that it could be withdrawn automatically from my account every pay ( bi-weekly ) and she refused to accept it. She threatened me with additional court costs and fees and I said then I will file for bankruptcy and she hung up.
Consumer complaint received 2021-12-07
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. (TX)

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX 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. XXXX XXXX. 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 XXXX 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 XXXX cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX damage damage.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX XXXX XXXX