davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
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: I.C. System, Inc. (TX)

Called IC Systems and spoke to XXXX XXXX. Explained that a debt had been reported to my credit bureau incorrectly.I explained I wanted the debt removed from my credit bureau due to me not being responsible for this debt. He told me he could not remove it, he said his client XXXX XXXX is who he is collecting on behalf of. He advised the only way to remove a debt was for the debt to be XXXX XXXX   out. Said he would send his client a letter to validate who the responsible party was for this debt, but could not remove any information until he heard back. When asked how long before I would hear back, he explained he didn't know. Then told me to call them back in a couple of weeks if I didn't hear from them or if I hadn't received any correspondence from their client, who was the original creditor. I asked why i had to wait, since I was not the one that owed them any money. He didn't know.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I received an email from Fifth Third Bank offering a money market APY rate of 5.20 %. The terms of this offer stated bring XXXX into the bank by XX/XX/year>. I opened my account XX/XX/year> exceeding the required opening deposit. I received my first electronic statement for this account and the statement reflects a APY that is less. The branch manager insisted that I will earn 5.20 % in a year but when I asked her to put this in writing she refused. She then said she would credit my account XXXX for the difference in rates ; however she has not completed the deposit. I do have the original marketing offer, my account statement and a audio recording as evidence. I would like Fifth Third to hold up their end of the offer.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLA Collection Company, Inc. (KY)

On XX/XX/2019 alone this glad collection company threatened to sue me, if I didn't pay them. I informed them to no longer call me, and any disputes they have to submit in writing with proof the bill belongs to me. They proceeded to call over six times this day alone. Not to mention countless other times this has happened to me. When calling, and asked who they are, this company doesn't reveal anything other than the callers first name, and will not state the company they represent. When you try to inquire about whom they work for, without disclosing your personal self as whom they are calling for, they say, " ok, ( name of person they are calling for ), since we know it's you, this glad collection about debt xyz. '' Then after telling them my personal information hasn't been revealed to them, they proceed revealing private information. When asked not to call the number, every time, for 2 up to 4 days after I receive 6-10 calls from their local and 1-800 numbers a day
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have reached out to XXXX numerous of times regarding an account that was placed on my credit report. I informed them that I did not applying for credit with their company. They are still contacting me and reporting incorrect information to the credit bureaus. I have tried over and over to dispute this information and they keep insisting that the account is mine when it is not.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a month to month contract with XXXX while in NY. I called in XXXX of XXXX to end the contract, returned my equipment and give them my new address as they told me there MAY be a final bill sent to me. 

I didn't receive any bills from XXXX. In XX/XX/XXXX I received notice from a collections agency ( at the new address ) that I was in default. I made the payment after receiving the notification. 

XXXX reported late payment and that the money was in collections from XXXX until XXXX of XXXX after I reported the error and tried to contact XXXX directly ( at which time they told me they had record of the final bill dated at the end of XX/XX/XXXX ( more than 2 months after I had terminated the service. That " supposed '' bill was never received. 

I would like the late payment and collections removed from my credit report as any requirement to send this bill to collections was a direct result of XXXX not completing their billing correctly to my new address in a timely manner, and is in no way a reflection of my ability or willingness to pay my bills on time. 

This is not the first time I have had an issue with XXXX when ending service with them, which tells me it is a systemic issue, but it is the first time it has gone so far as to permanently affect my credit.
Consumer complaint received 2022-05-03
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. (OH)

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXX XXXX  XXXX citibank card wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX PL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled XXXX different ways on there its only one way its spelled and my aacount with macys was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

XX/XX/2024 I received my consumer report from Equifax and I noticed they are reporting inaccurate personal information on my consumer credit report still. On XX/XX/2024 I disputed addresses on my report through MyEquifax portal that Equifax recorded. They have since removed them but then placed one inaccurate address back on my report that is not my current address. I provided Equifax with my current address that I have been living at for the last few years by proof of photo Identification as well as my current bank statement.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: M&T BANK CORPORATION (GA)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX,. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MN)

I checked my credit and is an item, I never got any XXXX letter from the collections agency, Today I got a letter state they verify with the creditor ( since a request a verification to the CRA ) is my, no validation just a letter state is mine.I already made a complaint since they have a different name
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXXXXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau onXX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXXvoicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (NY)

I purchased and returned a watch to Kay jewelers ( {$990.00} ).  The watch was sold to me broken and I returned it to the XXXX XXXX location where I purchased several products from. I was told that they would return it to headquarters for repair. And they took the amount I paid and gave me credit to purchase another watch. Now they are attempting to charge me for a watch that was returned at there store 2years ago. They didnt contact me through mail or calls because I would have disputed it. Now a lawyer is contacting me. I answered the summons and gave the same response
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC. (GA)

In XXXX of XXXX  I suffered a XXXX  injury and has XXXX XX/XX/XXXX. The XXXX had some issues and I can not effectively use my XXXX XXXX. I have been out of work since XXXXI begged for a forbearance but they refused. I have been dipping into my retirement fund which is almost depleted just to pay rent and utilities etc.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC (AZ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Frontline Asset Strategies has called my number daily looking for an individual that is not connected to this phone number. I tell them they have the wrong number and they have continued to call even though I told them not to call again. Yesterday I was asked if I knew the person they are trying to contact. They are harassing me for what reason? I am not the person they want to talk to. Furthermore they do not identify themselves.
Consumer complaint received 2022-08-10
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. (GA)

HARD INQUIRIES FROM THE FOLLOWING COMPANIES ARE REPORTING ON MY CREDIT REPORT, AND I DON'T RECOGNIZE. PLEASE DELETE THE FOLLOWING ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (NY)

For the past 4-5 months I've been using this mortgage company called Intercontinental Capital Group for a short sale mortgage. I have complied with every documentation they required and I still havent heard from them. I have sign closing disclosures, commitment letters, etc. and still we havent closed the deal. I have paid 3 appraisal, XXXX certificates ( 2 ), and they had me and my fiance go for a grant that still havent even been funded. This company has been giving me and my lawyer the run around and till this day we still havent been able to speak to someone about my file and if I really been denied the loan. I have emails, text messages from people in this company stating the deal will be closed and still nothing. Im really scared they used my personal information for their use. Please help me investigate this matter.
Consumer complaint received 2022-05-03
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: Global Lending Services LLC (IN)

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, GLOBAL LENDING SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
Consumer complaint received 2019-08-31
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. (CA)

THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT XXXX DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (OR)

Hi I am having problems With my loan car payment with XXXX XXXX I get confused With my loan payment when I get the new car from XXXX XXXX  I told to set up for me with Auto payment first couple months was ok after I lost my bank card and I get new replacement card i called XXXX to set up for auto payment my new bank card they Told me that they can do that because is not theyre poulice to set auto payment after I told them I am a XXXX person and I am not good setting up auto payment by myself and I will forget making payment on the phone because I have problem remembering after they refused to set up auto payment and then I start missing some payment and sometimes they call me and I am worry about to give my information to the wrong people scams then they start charging me late payment {$400.00} hundred dollar every time I missed my car payment I can afford that much late payment {$400.00} dollars and my intrest is very high can anybody help me because they destroy my credit they make my life very difficult I have another credit I never missed one time payment
Consumer complaint received 2024-02-27
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. (GA)

I am writing this complaint to TransUnion regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that TransUnion is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is TransUnion 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by TransUnion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

this 3rd party company did not Validate this information with whomever is REPORTING this information about me and provide FULL DOCUMENTATION associated with this including my signature that contractually binds me to this account above. As asked in previous disputes to the CB they have yet to provide the information that i have asked for under my rights of the FCRA. they sent me one letter that has not verified no contracts signatures or anything and it looks like they typed the letter themselves they are harassing me by phone and via mail to collect a debt that i have no knowledge or and i have no idea how this company got and of my personal identifying information i have sent letters the the collections bureaus requesting validation which was received by all CBs because i sent via certified and i have all my return receipts i am sending directly to them via certified on XX/XX/2018 i have copies of all letters sent and information sent to me