davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (GA)

On XX/XX/2021 i checked my credit report seen this account from XXXX XXXX XXXX is the original creditor and this collection agent First Financial Asset Mgmt. I have never heard from them received calls from them even an option to dispute this debt. I sent them a certified letter asking for validation of debt and they send me an itemized statement of my visit which gave a description of the visit. 

This is a third party and i never gave verbal or written consent for them to access this information. 
I have also made a HIPAA violation compliant. I know feel embarrassed and unsafe with this third party accessing my personal information
Consumer complaint received 2022-01-25
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: SUNCOAST CREDIT UNION (FL)

This is for Suncoast Credit Union account # XXXX. To list the details of the account, it says there was a credit limit of {$1000.00}, date opened was XX/XX/XXXX and last status was XX/XX/XXXX. I have never opened a Suncoast Credit Union account and it's stating that I owe {$910.00} and that its Charged off. This is fraudulent, this is affecting my character, my livelihood and its against the law to report this to my report without my say so under 15 USC section 1681b- permissible purposes. I have already sent out certified letters to all 3 bureaus to support my case and will be monitoring this closely. I need this negative inaccurate information off my report immediately as its holding me back from doing things to further myself. Please remove this or I will pursue in litigation.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it
Consumer complaint received 2022-01-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I want the servicer of the first and second principal balances to provide me with the 2 truth in lending disclosure statements used to submit the {$250000.00} payoff statement provided to the title company for the sale of my property in XXXX XXXX Include payments made to XXXX XXXX before the foreclosure of my property in XXXX XXXX Include payments made to XXXX XXXX for the {$140000.00} unsecured debt collected for credit cards discharged in bankruptcy for payments that include the principal pay off of credit cards included in the XXXX XXXX second mortgage Use the {$57000.00} paid to credit cards included and paid in the mortgages to pay the foreclosure balance on my duplex Include escrow payments and interest paid to 3 properties serviced in the 2 truth in lending disclosures I signed to payoff {$290000.00} in XXXX. 

Explanation of {$230000.00} loan disbursement in XXXX, to whom it was paid and the source of the funds. 

Explanation of {$270000.00} new loan set up in XXXX for the money 1 ) had already paid 2 ) was not given to me 3 ) paid a foreclosure balance of property I lost 4 ) discharged in a superfluous bankruptcy
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (AL)

I have an account with this company and have talked with them about my account. I can never get a correct amount of what is owe and when I pay never receive payment receipt for what I have paid. This company calls my job 3 to 4 times a day and I have asked them not too. I have also asked about making arrangement they will agree on phone but will never provide me with written documentation. The employees are rude and I have reported them to upper management before.
Consumer complaint received 2021-07-23
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: Experian Information Solutions Inc. (GA)

This is XXXX This is my third XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. It crazy you are saying this just because I have educated myself on learning the law I am now a third party. That is XXXX  XXXX. These false reporting accounts on my credit report has been an XXXX  XXXX to me and my family I am not an unauthorized third party this is XXXX XXXX this I have submitted this request 3 times
Consumer complaint received 2021-09-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

We have been waiting for this company to get an appraisal on our land home package loan since mid XXXX so we can close. We have done everything we're able to do but because their vendors do not want to drive to the rural property, we are unable to move forward with closing. Our contract on the land is up XX/XX/2021 and we were just informed of their issue in finding an appraiser willing to drive on Monday XX/XX/XXXX. There is a very good chance we will not be able to close on this land home loan because of their vendors incompetence. We've already sold our prior home because they requested to see that loan paid in full. Now we're stuck without a home.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NC)

I have paid extra on my mortgage and the extra was to go to my principle and instead they put the money into escrow and suspend payment. They are now saying I owe over 7,000 on my mortgage. I have attached a copy of my last mortgage letter. Now they are saying I am delinquent. It was a construction loan and they did not accept my payments
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NY)

I was offered a promotional credit of {$250.00} by M & T Bank for opening a new checking account in  XXXX ,    2017.  I believe I received this offer by direct mail, but I have since destroyed the solicitation assuming the credit would be granted in good faith.   After several conversations with M & T Bank I am confident they are aware of the promotion and it was not a third party scam.     I opened this account and met all criteria ( that I am aware of ) to receive the promotional credit. Conditions involved qualifying direct deposits within a certain period, etc.   I am also aware that the account will need to be open at least 180 days from setup date in order to avoid penalty if the promotional credit is given.     The account was opened  XXXX   XXXX ,   2017.
Qualifying direct deposits were made to meet offer criteria.
I phoned customer service after qualifyin  g direct deposit to inquire about timing of the promotional credit. I was told by an agent that the credit could take up to 90 da  ys ( 3 statement cycles ) to process.
After 90 days ( late  XX/XX/XXXX ) I once again called M & T to   inquire about the promotional credit. It was during this phone call I was told by the agent that because at time of account setup ( online ) I did not enter a corresponding promotional code that I would not be entitled to the promotional credit benefit.     I asked the phone agent to escalate this issue and he had stated that the issue could only be remedied at a bank branch.     I immediately traveled to a nearby branch where I was met by a service agent who confirmed my account, took my information and told me that she was unable to correct this issue, but could initiate a complaint.     I believe that M & T Bank could have easily ( at time of prior inquiry ) told me of the issue so I could take steps to remedy because I had specifically contacted them to inquire on status of the promotional credit.   Whether willingly or not, I believe M & T Bank is withholding these funds as promised in their promotional materials. At the very least, M & T has misrepresented this offer or have purposely made it difficult for consumers to receive this credit as advertised.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (TN)

I have been with 4 different companies. Have paid them thousands of dollars up front and my loan amount is still the same. I have been out of school for over 10 years and have paid more in interest than my actual student loan amount.
Consumer complaint received 2024-04-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NJ)

I have been a Citi bank customer for a long time. I had been waiting for my CDs to mature so I could use them to pay taxes, food, lodging, etc. However, while I was on vacation, the bank apparently seized my money and put them into CDs again! They were much lower than market rate, and also they lock the money down for a year. When I called the bank, they said I had XXXX calendar days grace period but today is day XXXX so they can not do anything, they had to charge me over {$400.00} for each CD for me to access my own money! After banking with them for so many years, I feel I am taken advantage of. XXXX upset. Please help.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (WA)

Someone used my stolen driver license to fraudulently rent a vehicle from XXXX XXXX. Unfortunately, the rental car company employee did not properly verify the identity of the person who did rent the vehicle. That person also paid with a stolen credit card. 

I have already discussed this matter with an investigator from XXXX XXXX and another employee from XXXX. Both have assured me that the matter had been resolved. 

Additionally I have sent debt disputes to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX. 

Despite the conversations and letters, these companies have continued attempts to collect a debt that is not mine.
Consumer complaint received 2022-01-13
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: ENCORE CAPITAL GROUP INC. (GA)

From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with XXXX to correct information on my credit regarding a collections account. As of today, the only thing XXXX has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my XXXX credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the XXXX XXXX receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that XXXX is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant XXXX do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collector-Midland XXXX XXXX XXXX XXXX XXXX they are a bunch of crooks. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks
Consumer complaint received 2017-03-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation (SC)

THIS CREDITOR IS REPORTING ON MY CREDIT REPORT I HAD A LOAN FROM THEM IN XXXX SC LOCATION. I HAVE NEVER HAD ACCOUNT IN XXXX SC. I ALSO DISPUTED THIS DEBT AND THEY FAIL TO REPORT IT AS DISPUTED TO CREDIT BUREAUS AND REPORTING INACCURATE INFORMATION WHICH IS AGAINST THE LAW. ACCORD TO FCRA SECTION XXXX. THEY HAVE NOT VALIDATED THIS DEBT!!
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has not blocked the fraudulent accounts that are listed on my Experian Credit File, All they could tell me when I called to have these items blocked that were opened due to Identity theft was that, the creditor has provided " sufficient '' Evidence that these are my accounts. Yet that isn't possible, because for one the XXXX Account shows 2 payments in the amount of {$0.00} then it shows 2 deliquencies One in XX/XX/XXXX and one in XX/XX/XXXX, Which doesn't make sense because wheres 's all the other dates? We are here in XX/XX/XXXX.  Experian skipped all those months, and yet also this account was opened at a fraudulent address that EXPERIAN Fraud Department verified that they blocked in XX/XX/XXXX. Yet they have listed both a XXXX card account which again is on my FTC Identity Theft Affidavit which has been sent to the police, and a XXXX Account. You have to be a member of the military of have family in the military to join XXXX which I do not have either, nor have I ever been associated with the military. Again this account was opened at a XXXX XXXX address I never lived at its listed on my affidavit and yet Experian still reports these accounts knowing they are fraud. 

Account # 1 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$4600.00} Opened on XX/XX/XXXX. 
Account # 2 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Again This is fraudulent and only shows 2 payments of XXXX $ Obviously it's fraudulent and These two accounts were opened after my identity was stolen. The documentation for these accounts were sent to fraudulent addresses both account applications were fraudulent and Experian does not have any sufficient evidence besides an invalid license that the company is trying to provide them that doesn't actually match my license. These are fraudulent accounts and per law 603 ( B ) I have not materially misrepresented anything.
Consumer complaint received 2022-12-16
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off my credit report
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (CA)

Self Financial Inc Account Number XXXX Dear Self Financial Inc ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$350.00} to Self Financial Inc . However, I am disputing this debt for the following reason ( s ) : Self Financial Inc is violating your consumer rights by using false misleading, misrepresentation and deceptive means. Self Financial Inc has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Police Report .... I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Credit & Collection Corporation (AZ)

Oops, sorry my initial complaint two weeks ago was with the wrong company- below is the correct company. 

Global Credit & Collection Corp Debt collection keeps calling my job and I have instructed them do not contact me at my place of employment. My job strictly prohibits scammers, debt collectors, or other third party entities. They have also, utilized a new tactic by calling and hanging-up, I consider this to be harassment. 

Currently, I'm working to resolve my debt with XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: PRG Ventures, Inc (IL)

I took out a cash loan of {$100.00}, the app waited almost 2 months to pull the funds. They never attempted to pull the fund before then. They said they tried to pull funds from my bank and something was wrong with my account. I emailed back saying nothing is wrong with my acct. I didnt update anything then they magically pulled the money. Why did they wait so long. They have do not reply to emails at all. No phone number. I received no emails from XX/XX/24 until XX/XX/24. This feels like a scam and now they have my banking information.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have an account on my credit reports that has incorrect information. I've disputed it with the company and with both credit reports it is reporting on. 
The account has been on my credit report for years. It's even past the statute of limitations. I didn't care since I already took care of it years ago. The company sold it to a 3rd party collection company and correctly changed the balance and past due amounts to {$0.00} and noted that they had sold it to a 3rd party collection company. 

Now all of a sudden, at the beginning of this year, the company just out of the blue changed the information on my credit reports. They now claim that it's a charged off account and that I owe them thousands of dollars. In fact, on Transunion they claim it is open and on XXXX they claim it is sold. Just another couple of errors they refuse to correct. 

This complaint is against Transunion and XXXX as well. I have disputed directly with XXXX and they have not bothered to ever respond to my direct disputes nor to credit reporting disputes and neither Transunion nor XXXX abide by the FCRA and correct the errors. 

The FCRA says they must correct the errors or delete the information. They have done neither. They are in clear violation of federal law and they are damaging me immensely. I qualified to purchase a house and then these knuckleheads changed the information on my reports and killed my loan qualification.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (IL)

This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.