davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc (CA)

1.Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX 2.Collection Agency - XXXX XXXX XXXX 3.Now Owned By - Tate & Kirlin Associates , Inc Two Different Amounts {$1200.00} - {$1200.00} Claiming Amount Owned Date Disputed XXXX - XXXX - XXXX Disputed Charges And Asked For VOD Validation Of Debt *** NOT Validation*** Resolution :XX/XX/2018 Per XXXX  : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act ) Inaccurate, Unverified Accounts Per FCRA Sec. XXXX Using XXXX XXXXXXXX XXXX is an automated does not even begin to Constitute a reasonable Investigation.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (IN)

I have tried repeatedly to contact Sunrise Credit Service for the unknown derogatory account hurting my XXXX, XXXX  and XXXX  credit reports. This unknown negative account is hurting my ability to apply for new credit.
Consumer complaint received 2021-11-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

I submitted my loan mitigation applications on Flagstar Bank on three different occassion this year XXXX. I have resubmitted new documents to start the process over again in XX/XX/XXXX. Now the company is calling advising I have missing documents each time and going back to look at previous applications I have submitted. I feel like the company is dragging on the process intentionally. My forbearance ended on XX/XX/XXXX and I was advised by rep that I was on a disaster forbearance until XX/XX/XXXX. However each week I get a call from Flagstar Collection dept for payment and then the reps advise that I am not due for payment. I want to keep my house but their process with loan mitigation has rethinking my decision. I need assistance from CFPB to look further into the process with FLAGSTAR BANK Loan mitigation process. After researching I saw that their organization was previously doing this to customers and their was a lawsuit XXXX. I have attached all the documents that I uploaded to their website and necessary documentation check stubs, hardship letter, complete loan modification forms, HO fees, current utility bill, letter of explanations as requested by Flagstar Bank. Please help me resolve this issue.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2022, I called synchrony bank to make a payment for my credit card. The payment was authorized & I received a confirmation number. A month later I received an update on my credit score indicating a significant decrease in my score. This is false i called in to make a payment.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (GA)

Had checking account number used to order checks on Suntrust account. Official Suntrust check company is authorized to send checks to any address without any attempt to verify change of address. Two checks cashed with fraudulent signatures at 2 different Suntrust branches on SatXX/XX/19. Fraud department notified within hours by phone. Went in person to branch and fraud was reported to fraud dept again by bank representative. Told to come back XX/XX/19 because payments were still pending and they couldnt do anything even though bank representative was able to obtains photos of the fraudulent checks from the branches. On XX/XX/19 I returned to branch and official fraud case was finally opened. Told 15 calendar days to investigate. Have called several times to get updates, once told case was closed, then it was still open, then we needed to fill out affidavits 4 weeks after case supposedly being investigated ( they were specifically asked if we needed to do that on day one and they said no ). We have filed a police report, filled out affidavits and can get no information on status of case. Bank representative is trying hard to get info but is no more successful than us. This is a substantial amount of money we have been without for almost 6 weeks.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I received notices/letters between XXXX and XX/XX/XXXX from student loan servicers telling me that I qualify for the " Fresh Start '' initiative and the " SAVE '' Program to help remove my record from default and put my loans back into good standing. Some plans would reduce my monthly payments to {$0.00}. Interest and principal would be placed on hold until I was able to start making repayments. I have been anticipating reimbursement/compensation payments for collection violations, attaching personal loans information related to other students to my loan records, interdepartmental failures and accounting errors, loan transfer issues and consolidation errors. Forced to make payments to avoid wage garnishment and tax liens while they investigated my claim and report of a bankruptcy in XXXX. Some of the letters listed my loan balance. The loan balance was different on all three letters/notices. Totally different as compared to my FSA, on 2 reports. It has been more than 20 years since I requested redress/clear my bankruptcy for undue hardship, I met the criteria, and process my compensation payment. The new repayment plan listed on one of the notices is {$5700.00} a month. If I should choose to start making payments.
Consumer complaint received 2023-03-20
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. (MI)

THE FOLLLOWING INQUIRIES WERE NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THE INQUIRIES ARE IN VIOLATION OF 15 U.S.C.1681 XXXX  XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Debt Direct Portfolio Management, LLC (TN)

In XXXX of 2024 I began receiving treating phone calls from https : //www.debtdirectmanagement.com/. I tried to settle with them for my original balance and they refused to work with me and insisted I made XXXX dollar payments for a XXXX $ loan from XXXX. They continue to call and threaten me after telling them to stop.
Consumer complaint received 2023-01-27
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. (FL)

Experian phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

Amcol Systems continues to report a medical debt in the amount of {$170.00} that was paid by my insurance provider on XX/XX/16. Amcol Systems purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Further, Amcol Systems began collection only 150 days after the bill was paid by my insurance provider. This is a violation of the XXXX settlement agreement. Per the XXXX policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. There were a few coding issues that resulted in re- billing on this claim. This claim was paid in full by XX/XX/16. Attempting to collect additional money on this claim is a violation of the FDCPA. Amcol keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
Consumer complaint received 2022-03-12
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. (GA)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I submitted a complaint prior to this one with no response. In the interim my wife and I can not secure credit for new family projects due to the credit information being provided by EQUIFAX that does not appear on the credit reports of the other two bureaus. Now seems personal and extremely bias/racist.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I placed a freeze with Equifax, XXXX  and XXXX  in XX/XX/2007. On Sunday, XX/XX/XXXX I was told at XXXX that I was preapproved for a XXXX  MasterCard. I provided the last four digits of my soc sec number and told them it would be rejected because of the security freeze. I was shocked when the clerk told me I was approved and approved for {$7000.00}. I said something was wrong it should not have gone through, they said I should get a call from their back office asking me to remove the credit freeze instead I received a text that my card was on the way. I call MC and they informed me that they had acquired by credit information from Equifax. I contacted Equifax The 1st clerk said there was no account for my SS #, his manager said there was an account but she could not see any details I would have to send in a copy of my drivers license and SS card. I spoke to the next level manager and she said the same thing. I also provided her with the 10 digit security number provided by Equifax. I was still told they would not tell me if I had an active freeze nor if it was removed and how and when. They would not provide me with any credit history to see if my identity was compromised. I continued to speak to the next two managers also no help. I called Corp Headquarters to speak with XXXX XXXX to explain my situation I am assuming whatever went wrong on my account has also happened on others and may be a major breach. I was transferred to an office in Nevada or NM and XXXX said she was not in a position to help and transferred me back to headquarters who once again transferred me to the fraud dept that I already spoke with. I was told no one in headquarters would talk to me and no one I was directed to out of headquarters had authority to see the detail of my account. I need to know if my security freeze was compromised and if my identity was compromised. I need to know now not 10-20 days from now. I need to take immediate steps to protect myself if Equifax has breached my security. I also contacted XXXX. The first agent assured me my account had a freeze on the account. I contacted XXXX, the automated system authenticated me and immediately indicated I had a freeze on the account. All freezes were placed in XX/XX/2007.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (OH)

There is an outstanding amount in collections totaling {$1900.00} from Plaza Services on my XXXX Credit report. It says the amount originated on XX/XX/2018. I do not know anything about this amount and it is not mine. I have not taken out any additional loans or debt other than the other items on my credit report. If you look at my credit history, I am 100 % on timely payments and have no missed payments. I filed a dispute with XXXX  but they said the debt was accurate, even though I did not incur this debt.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (AZ)

There are two US BANK?? credit cards on my account shown and one of them are in good standing, and one is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account US BANK Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

US BANK XXXX {$10000.00} Opened XX/XX/2015
Consumer complaint received 2023-03-20
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. (MD)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (OH)

Barclay card is one my few financial institutes that did not implement two-step authentication. They also fail to allow registering " + '' in email address. Both led to Barclay 's insecure and less private system. The customer service and IT remain ineffective and/or give false promises even after years of multiple calls/messaging.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/XXXX while I was out of town in GA someone created a XXXX XXXX online account in my name and withdrew {$490.00} from my checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and XXXX XXXX multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call XXXX XXXX or text XXXX XXXX during that time. I am not sure if this has been happening to anyone else, but something needs to be done.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-25
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. (FL)

These accounts are fraudulent XXXX {$550.00} XXXX XXXX   {$610.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX   {$2100.00} XXXX XXXX {$100.00} XXXX XXXX {$100.00} XXXX XXXX   {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX did not notify ( phone or mail ) that my account was negative. I called on XXXX, XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I received a text message at XXXX PST stating that I needed to make a payment on my CITI XXXX Credit Card . I called the number on my actual credit card to find that I was late a payment. I asked if CITI had put me on paperless billing against my wishes and the answer was yes. The girl went on to explain that I had somehow signed up for paperless billing and I had not. 

CITI and other companies tries to hide paperless billing buttons on the websites. If I hit one it was not intentional. 

They charged me a {$31.00} Late Fee because I did not receive a bill and did not pay that bill on time. 

These people should be in jail.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OK)

I've paid my monthly payments for years with the same account and now they will not accept my payments through this account over the phone but I can go to one of their locations and make it on the same account with no problem with the account that they don't accept over the phone