davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

just started building, and monitoring my credit a few years ago. I noticed that there was a {$340.00} amount listed under derogatory remarks. This was listed as XXXX, for the company XXXX. I tried several times to dispute through XXXX XXXX. Results came back that monies were owed. One of My issues is that I never received a phone call, or bill in the mail about this at all, ever. I have no idea when this debt was from. The other issue is that this was listed on my credit with XXXX, for XXXX, then was dropped off of my credit on XX/XX/20, then this debt was re-added on XX/XX/20 under another debt collection company called IC Systems, for the company XXXX. I believe that this may be something from many years ago, but I don`t really know. Also, how is it possible, or legal for this to be removed from my credit for approximately a month, with one debt collection company, under XXXX, then re-added to my credit by another company, under current business name, XXXX, same debt? 
I currently have, and have had XXXX  services for many years, and never received any notification of any monies owed. I believe this original so called debt of mine is way too old to be on my credit at all.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (AR)

I recieved a check in the mail, and I had asked the teller to please check to make sure the check was good before depositing into my account, I also asked him to deposit my workman 's comp check.. The teller stated that he would, I later got a notice that my account was closed due to fraud and that I would recieve my funds in the mail by Cashiers check still no check and its been over a year I had a little over {$200.00} left to be returned to me. My wife just had the same thing happen to Her same bank same issue this time it was close to {$2000.00} owed. They need to go after the fraudulent people and not the innocent customer. The banks name I US Bank XXXX XXXX  XXXX and XXXX XXXX. XXXX
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

Heartland ECSI is handling the servicing of my loan. My loan is in good standing and I'm paying it off ahead of schedule. I'm currently using automatic withdrawal and paying about 2 1/2 times the required payment amount each month. I should have the loan paid off about 5 or 6 years ahead of schedule. 

Using ACH as they call it meant that I was on paperless billing which was fine with me. I didn't need a monthly statement and all my account information was online. I preferred not getting statements because it kept the information out of my mailbox and away from identity thieves. 

This last month, I got a statement which was concerning especially since it indicated I owed a payment on the front page - I don't. The purpose of automatic withdrawal is that my payments get made for me. 

When I asked about this, they said they started issuing statements for ACH customers so 'they knew their payoff ' amount and they'd started doing this months ago. 

This is nonsense. 

First because the payoff amount has always been at the top of the screen when you login. Second because the statement is designed to make it look like you are no longer on ACH and owe a payment. It is designed to panic you. Third, statements didn't start arriving 'months ' ago. 

The bills themselves are also deceptive. They in now way indicate that ACH customers do not owe the bill or have made the payment. They are designed to get ACH customers to pay twice. 

And the company is completely unapologetic about and insists we were not 'enrolled ' in paperless billing and they didn't XXXX up. That this is 'our fault '
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed late payments on an account that I was never late on.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late.If Proof can't be provided I demand these payments be updated to on time as they should be as I was Never Late.Thanks.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/2021 I was contacted by a person who identified himself as a representative of the Fraud Division of Regions Bank which showed up on my phone as regions bank calling, therefore, I believed that this was a legitimate call and proceeded to follow his instructions which was that fraudulent activity had been detected on my account and in order to stop any money from being taken from my account that he would send me a text message with a 6 digit number that I would relay to him to authorize and assure that he was speaking to the owner of the account. I did exactly what I was instructed to do but was unaware that I was actually authorizing him to withdraw money from my account. I am XXXX years old and on a fixed Social Security Income and {$990.00} stolen from me causes a real hardship. I have attempted to work this with Regions Bank but they believe that I was complicit in the action that took place. How did this person get my bank account number and my phone number which is a cell number which I have only submitted to Regions Bank?
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is ridiculous no one at Capital One intends to resolve the matter. I have contacted your agency and the company to get NO RESULTS! I DEMAND a resolution or intervention from your agency as you stated you would. I can be reached at XXXX
Consumer complaint received 2022-07-22
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To Whom It May Concern I've recently receive my consumer report in attempt to improve my credit to better my livelihood and i noticed an account that i would like more explanation on i am not saying they are reporting right or wrong im saying im not 100 % sure if they are. As it states in the Fair Credit Reporting Act by law i have the rights to callenge anything i am not sure is 100 % accurate. It also states in 15USC 1681 i ( a ) if you caint provide proof this account must be deleted. Well i want this account deleted if it is not 100 % accurate. And by law you have 30 days to complete this investigation. Please investigate this account and remove if anything is incorrect or missing thank you. 

XXXX XXXX Account # XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc. (PA)

On XX/XX/2021 I called and spoke to a representative at Account Control Technology to settle an account that I had with them. Upon coming up with an agreement we settled the account for the amount of {$2000.00}. After doing so I had requested a settlement letter and was assured that I will receive one in 5-7 business days. It is now XXXX and I have yet to receive the letter ; it is affecting my credit and approval for a mortgage loan. Once again, on XX/XX/2021, I had called Account Control Technology to explain that I have never received the settlement letter. I was referred to XXXX XXXX, the school that I had previously attended, and told that it was the school 's problem, not theirs. After that conversation, I had contacted the school immediately after to which they said they could not provide the letter since the account was paid to the collection agency, not them ; which I had already known but wanted to get that confirmation from XXXX. I had called Account Control Technology a third time on XX/XX/2021, and spoke to a representative by the name of XXXX XXXX and then a man who claimed to be the supervisor by the name of XXXX XXXX ( he did not want to disclose his last name when I asked for it ). I had told them what was explained to me by XXXX and they continued to say " the company can not provide a letter stating a settlement '' and that it was " out of their hands. '' They continued to refer me to XXXX to solve the problem, which is not possible considering the amount that I had paid was to the collection agency and not the school itself. This account is still showing up on my credit report and has not been removed, despite the account being settled.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

On XX/XX/ I received a letter from CITI BANK by mail informing me that my account would be canceled five days after XX/XX/XXXX So I called the CITI XXXX line by phone to coordinate the closing of my account and the transfer of my balance, in the call they gave me a reference number : XXXX and they asked me to send an email to the XXXX On XX/XX/XXXX I wrote an email to CITI informing them that I had received their notification to close my checking account and send them a copy of the letter, a " Wire Transfer Request '' format that came in the letter, a copy of my account statement in XXXX, and a copy of my account statement of the CITI account with my current balance. 

On XX/XX/XXXX I received an email from CITI telling me to call the customer service center again to have my check sent to my address in XXXX, TX. 

The same XX/XX/XXXX I received a second email where they inform me that they will do what is necessary to send the check to my house in XXXX, Tx. 

The same XX/XX/XXXX I received an email from a XXXX XXXX, XXXX where he informs me that the process to debit my balance and make the check takes 2 business days and send it to the address I had previously given. 

After this last mentioned communication, I have not received any other answer and I have not received my check with my balance. 

For the last day of XX/XX/XXXX, almost 22 days later I wrote again to ask for an update of the status because they have not answered me the last email that I sent them.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Keynote Consulting, Inc. (IL)

Company illegally sent bogus credit card collection lawsuit to XXXX XXXX XXXX. 

I personally informed XXXX XXXX XXXX that I do not reside in XXXX XXXX or the State of Illinois Keynote and XXXX are pursuing a lawsuit against me in XXXX XXXX with the intent of collecting monies on a credit card that was used fraudulently throughout the US. 

XXXX XXXX  firm has been informed that I was never served in XXXX XXXX because I do no reside or work there. I am a totally and permanently XXXX veteran and I do not work and I explained this to XXXX XXXX XXXX. They and Key note are only interested in preying on XXXX and XXXX people in XXXX XXXX. Any and all forms of income that I receive is from the VA and it is federally protected income. 
Benefits covered by this rule : Social Security Supplemental Security Income Veterans Federal Railroad retirement, unemployment and sickness Civil Service Retirement System Federal Employee Retirement System. 

XXXX XXXX XXXX XXXX has been warned in the past month by the XXXX XXXX XXXX and the Illinois Attorney General about these deceptive business practices. If you would take a look at the complaint from XXXX XX/XX/2021 you will see that XXXX and Keynote both agreed to remove the bogus item and later they intentionally reinserted the item .The FTC has a copy of the report and they have informed me to file another complaint with you and the Illinois Attorney General Please be advised of the National Credit Bureau Case Number : XXXX Federal Trade Commission investigation number : Report Number : XXXX Be advised that this case is pending federal litigation.
Consumer complaint received 2021-02-13
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. (TX)

I have contacted TransUnion LLC on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted TransUnion I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent TransUnion a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX  can not verify this Bankruptcy how is TransUnion able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my TransUnion credit report.
Consumer complaint received 2022-06-15
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, it states that everything has to be 100 % accurate on my credit report. The credit bureaus stated that my accounts were properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They violated my rights under15 U.S.C. 1681 section 602 A ; states that I have rights to privacy. In addition, 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. 
These accounts are listed below : XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2021-02-13
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. (LA)

I AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY TRANSUNION, XXXX  AND XXXX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE FIRST XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA
Consumer complaint received 2018-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I submitted a RMA. The decision was in my favor however I disagree with the calculations. I asked to discuss this with underwriting and filed an appeal. I was denied access to underwriting and was told by a rep in the home retention dept that my appeal was denied. Denial reason was that underwriter calculation always uses a yearly wage calculated by hourly rate for a 40 hour week year round. I submitted verification of 5 temporary layoffs that are a standard work at my company. The underwriting dept refuses to use this information
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I receive a message of a hard inquiry on my credit report. I noticed a Capital One quicksilver card was opened on my account. I contacted Capital One and cancelled card and reported it was a fraud account. It was canceled. They suggest I make a report on the .Gov web sight.
Consumer complaint received 2024-04-30
Product: Credit reporting 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. (IL)

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX XXXX XXXX amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. XXXX, TransUnion, and XXXX refuse to remove a XXXX  XXXX XXXX  XXXX  account. According to their websites, correspondence, ( XXXX XXXX TransUnion.com, consumerfinance.gov ) and XXXX XXXX XXXX XXXX 's letters, closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. 
I have also contacted XXXX  XXXX XXXX XXXX directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. XXXX XXXX XXXX XXXX refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o XXXX XXXX XXXX XXXX representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. XXXX XXXX XXXX XXXX tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with XXXX XXXX XXXX XXXX. No one Is removing the old account
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (CA)

Discover raised my APR several times in the last year without notification and without cause. It was originally 12.99 % and is currently at 17.49 %. When I reached out to Discover, I was told that notification is provided in the XXXX XXXX XXXX and that Discover doesnt directly notify the customer of such changes. The conversation took place on their app via chat ; snapshots can be provided.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

EOS CCA is attempting to collect on a account that dont belong to me. I was resently notified by my credit monitoring service that I have a collection account that just appear on my credit file. I am not the rightful owner of this inaccurate and illegal account. I have never live at the address associated with this account. It is showing a address XXXX XXXX XXXX XXXX XXXX Massachusetts. This is the same inaccurate and illegal account another collection company XXXX XXXX XXXX XXXX attempted to collect on. I file a complaint with the CFPB on XX/XX/XXXX of last year and had this exact inaccurate and illegal account remove. These collection company just move these inaccurate and illegal account from one collection company to another placing them on customer credit reporting Hoping someone that doesnt own the account just pay. These collection company know that this is unlawful and violate the Fair Credit Reporting Act requirements. 


I am providing proof documentation of my State issued drive license as proof of my address for the past 15 years.