davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Consulting Services LLC (WY)

I have credit monitoring and its been active for several years. A company called ACS has left threatening messages on my phone and my parents phones. In the recordings they say I owe an outstanding debt ( I dont ) and this is going to impact my employment. The number they call from is XXXX and XXXX. Here is a transcript of the messages : This message is for XXXX XXXX ACS has tried to contact you on several occasions it is to be assume there are no intentions on a voluntary resolution is not the case we would need to hear from you prior to this affecting any employment in our bank accounts at XXXX once again the number is XXXX
Consumer complaint received 2018-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I was notified by my credit monitoring service that a credit application, in my name, had been received and was being processed by XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. Requested On : XX/XX/XXXX.  Inquiry Type : Individual. This was my first indication I was a victim of identity theft. 
This thief or thieves listed my previous XXXX residence as their home address, and a mailing address in XXXX, XXXX. Although I was able to circumvent this unlawful credit issuance with XXXX XXXX, and they notified the three credit bureaus, EQUIFAX seems to have incorporated the false background information into my real background information. In XX/XX/XXXX, I got a copy of my EQUIFAX credit report which showed my current home address as my former XXXX residence and my current mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, the same information provided by the identity thief to successfully open a credit account with XXXX XXXX. I submitted a dispute of information with EQUIFAX, but when I attempted to examine the email result of their investigation, I was denied access to the report as I had provided information that does not match our records in the security verification. I have subsequently contacted EQUIFAX representatives on two separate occasions to resolve this issue, but on both occasions ( Confirmation Numbers XXXX and XXXX ) I was asured there was no derogatory information in my credit file, they advised the security questions were gleaned from my credit file. I insisted this information was corrupted by the identity thieves, but EQUIFAX continues to rely on this false information, as I still get the same access denial when I try to access their reports.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts
Consumer complaint received 2022-08-30
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 (TX)

As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing Discover Bank charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted Discover several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with XXXX XXXX. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$870.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2020-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

Money hungry bank. People affected by covid and they still hit people with fees. Made a deposit through my phone since we had a XXXX family in our home and couldnt get out. Made a check deposit to cover what was coming out and still charged me a fee. Covid is not even over and been told many times they arent helping covid families.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Consumer complaint received 2017-09-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I received a call from a girl at fidelity creditors in the beginning of XXXX to notify me of an unpaid debt that I had with XXXX. Every time she called I would be at work so I had her contact me at a certain time. When I spoke with her she was poverty passive aggressive, I gave my card number to my Medical Reimbursement Account and then proceeds to tell me that they do n't take that card and to give her another because she knows I have another one. I told her I did n't at the time cause I was waiting for my debit card to arrive and told her to call me in a week. Well she calls me three days later asking for their money, my cell service is n't the best in most areas and the call drops almost everywhere, as I 'm on the phone with her on XX/XX/XXXX around XXXX and the call drops and then she proceeds to leave me a voicemail saying how that was rude of me and disrespectful and I am very uneducated and basically borderline calling me stupid in Spanish. I blocked the number and the calls stopped of course until yesterday someone calls me unknown and it 's that lady so I tell her sorry she has the wrong number and she blows up on me again saying " oh so now I have the wrong number? But I did n't have the wrong number before? '' so I hang up. I called XXXX today and spoke to a rep asking them if I owed them any money that was past due and if I did I 'm sorry and I was willing to pay them directly. She tells me that I have no past due balances and I 'm up to date on my file.
Consumer complaint received 2022-08-30
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

As of XX/XX/2021 I was contacted by my property manager that Prestige Financial had contacted her by phone to do a residence verification as if I was trying to obtain a new line of credit. This company has sent me harrassing emails from XXXX. I changed my number and the calls stopped but the emails continued. For a while they left me alone, and this is when they reached out to my landlord, and was demanding information on if I was being evicted, how much my rent was, how many people lived with me, etc. It was so shocking that she sent me a message asking me if I was trying to purchase something because of how demanding they were.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MI)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX , XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX. The servicer is XXXX XXXX  XXXX ( the furnisher of the bad credit information ). 
I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, XXXX and TransUnion, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that time.
Consumer complaint received 2021-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (TX)

Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX again by XXXX and now my ability to do contracting work is also affected. I will open a formal dispute with XXXX as well but the description is the same. 

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX  XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XX/XX/XXXX my computer was hacked, and my personal bank information was accessed by an imposter, XXXX XXXX, claiming to work for the FTC. Wire transfers were initiated and completed by this imposter totaling {$86000.00} from two of my bank accounts. These wire transfers were done on, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. These transfers went to XXXX and XXXX Two of the accounts this imposter opened got closed soon after for security reasons per the two companies. When these accounts were closed, {$29000.00} was sent back to one of my bank accounts. The total amount that I am currently out is, {$56000.00}. 
Once I saw what was happening, I contacted the two banks, XXXX XXXX and CIT Bank to alert them of the fraud and put a Freeze on my accounts. During a phone conversation I had with CIT Bank I learned that they had associated the imposter 's phone #, XXXX, with my accounts. I also found it troubling that my CIT Bank account no longer had the two-step login procedure that I had initiated months earlier. I believe that CIT Bank was communicating directly with this imposter XXXX without my knowledge and authorization. I have also filed a detailed Consumer Report with the FTC.
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

To whom it may concern, I had been a Chase customer for 2 years and done everything correctly and justly.
Then, after depositing a variety of checks in to my business account, Chase simply informed me by mail that they are closing all of my accounts, both business and personal.
We tried to get a reason for the closures, but they would not give any, nor was there anything I could do about it. 

As far as I know, there was nothing wrong with my banking activities. 

Please let me know what I can do to get my accounts and/or standing back to normal. 

Thanks
Consumer complaint received 2017-09-01
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX. 
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX  method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.