davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FCC Finance, LLC (TX)

I am a former employee and witnessed daily violations while employed at FCC Finance and a lot of the consumer complaints are valid. Management was made aware of these violations on many occasions and either failed to address them or only address them when a complaint was filed. I witnessed FCC threaten to sue a customer for an old debt after the customer called in to settle his debt in good faith. While employed we were constantly told to call the customers several times a day and sometimes several times an hour. The goal was to wear the customer down into paying us. This is just a small sample of the FDCPA, SCRA and FCRA violations I witnessed while employed at FCC Finance.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-08-01
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. (NC)

XXXX XXXX XXXX  # XXXX is reporting a late in XX/XX/19 that is inaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion, XXXX and XXXX are all the Reporting it that's not 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (AZ)

XXXX has jacked up my bill from a legitimate amount of {$1000.00}, against which I have paid money, to a grand total in excess of $ XXXX, while not crediting me for payments made. 

Further, an understanding was reached with aprior collection Company that XXXX retained. I offered to make recurring payments. They couldn't take them. They agreed to call me on a monthly basis to obtain payments. They called me once, and payment was made. You do not even reflect that payment. XXXX does. 

IC Systems then took the account ; did not acknowledge payments made ; and made a derogatory report to the Credit Bureaus. They also added yet another {$400.00} charge to an already overstated and inflated bill. The situation will likely end me up in a bankruptcy.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check into my relative chase account and they close her account and there hold my funds not trying to void or release the funds when the funds have been cleared. Ive done everything possible to verify myself for chase so Im have this complaint that needs to be seriously looked into.
Consumer complaint received 2019-08-01
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. (NC)

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (WA)

My ex-husband and I divorced in XXXX. I was awarded our house in the divorce and he filed a quit claim deed. He filed bankruptcy in XXXX and because he is on the deed to the house was told to list it on the bankruptcy even though it would not be included in it. During all this time from XXXX to present, I have been responsible for the mortgage payment. Payments have been made on time. The loan originated in XXXX and was in my name only and we refinanced in XXXX and at that time my ex husband was added to the mortgage. My name was not included at all in his bankruptcy. Fast forward to XXXX, I apply for a new mortgage and am told my mortgage is not on my credit report. There is no record of me having a mortgage even from XXXX or from XXXX. I called my mortgage company and they said in XXXX when he filed bankruptcy they stopped reporting mortgage payments. I could understand this if was still responsible for the loan in anyway or if we were both listed on the bankruptcy. I don't understand why my credit reporting was stopped due to his bankruptcy. Now, I have no record of 16 years of mortgage payments in excellent standing. My credit is horrible through no fault of my own. The mortgage company said they will start reporting my mortgage payments as of XX/XX/XXXX but will not do anything about the past 16 years. I would like my credit report to reflect my mortgage for the entire life of the mortgage or at least from XXXX forward. Thank you.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

In XXXX, I refinanced my home mortgage with XXXX XXXX as the loan servicer. In XXXX of XXXX, I was notified that servicing of my home mortgage loan had been transferred to PNC Bank effective XX/XX/XXXX. I was notified in writing that my automatic monthly payments would continue with PNC Bank, however, I never received a pin # for PNC online banking, and when I called the customer service line on XX/XX/XXXX to ensure that my mortgage would be paid I was informed by the representative that automatic payments had not been set up. Additionally, they were still unable to assist with enrolling me in online banking so that I could review the account and make a payment. Instead I had to make a payment over the phone which incurs a XXXX XXXX  transaction fee. PNC has made the transfer of my home mortgage a terrible experience, and has been completely uncommunicative throughout the transfer period.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (FL)

In XXXX of XXXX I had a motorcycle accident. I went to an emergency room for treatment. The hospital then submitted the bill to the VA for payment as Im a 100 % XXXX veteran. In XXXX the doctors group who treated me had submitted the bill to the VA for payment long after the required time the VA allows for medical bills. The original company never contacted me and just reported the debt to my credit. In XXXX of XXXX I contacted the VA because I was still receiving bills. The VA had made it clear to me they waited 5 months to submit the bill when they only have 3 months to submit the bill for payment. The VA explained to me and the debt company as well as the doctors group they failed to submit the bill in a timely manor for payment. Now I have a new debt collection company calling me without telling who they are or why they are calling. They want me to give them sensitive information without them telling who they are or why they are calling. Just two weeks ago this company has reported to my credit again. The new company has also been told the debt was submitted after the time period for reimbursement. The new company is also reporting on my credit at least once a week. 

The name of the new debt company is Radius Global Solutions LLC. The original debt belongs to barracuda XXXX XXXX XXXX. The account number is XXXX. 

Both agencies have been told because the original party did not submit the bill to the VA in a timely manor it would not be paid. The VA also had their debt collection group try to handle this and they refuse to stop trying to collect and continue to report and ruin my credit.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc. (CA)

On XX/XX/2020 I called XXXX saying I owed money XXXX. But I told them I didnt because it was a bank error they did from their computer system. The bank said yes its a mistake they made and it was a bank system error. So I didnt owe the money to them anymore after they told me that day.Now later a debt collector company monarch is saying I owe this money to XXXX still XXXX when I know I didnt owe that anymore because XXXX XXXX told me that.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (NC)

Elevate Recoveries, Removed this medical collections off my XXXX ( only ) credit report on XX/XX/2021 and then put the collections right back on my XXXX ( only ) credit report on XX/XX/2021. 

I have sent several letters to this collection agencies to verify this debt belongs to me and they have failed to respond to any of my letters proving the debt. 

Under HIPPA laws they have failed to prove that this debt belongs to me
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

They double-charged my payment this weekend, causing my checking account to nearly overdraft. I had to borrow money to cover it, because they also are not answering emails or the phones. Yesterday the phone line wasn't even working. Today I thought I was finaly going to get through and then I go through all the trouble and waiting for a rep. At the end there's a recording saying to call back later. That's not okay, it doesn't seem legal. And I'm really upset with Comenity. I wish they never took over the XXXX XXXX EXtra Points card- i have had numerous issues with them including them shutting my old XXXX card off without any notice. 
I've even tried calling the hearing impaired line because this was an emergency - their website was not working this weekend and it wasn't showing a scheduled payment. So I made another - and then you charged it twice. I need the second payment of {$63.00} refunded now, but I can't get ahold of them to do so. 
The real issue is that it's been two business days that I can not talk to ANYONE to receive help, this doesn't seem legal. This is a credit card, not a cable bill - this is something urgent. 
The numbers posted on their website get you nowhere. 
XXXX XXXX XXXX ( TDD/TTY : XXXX ) TDD/TTY XXXX
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made  pursuant to the above named Title " XXXX '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. What I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this  fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

After reviewing my credit report, i have noticed that there are many discrepancies on my credit report. 

The FCRA states that i must be provided verification of the debt any company reporting information on name. 

A statement is not sufficient to prove a debt belongs to an individual. In todays time, when there can be personal information leaked on the internet m, it is very possible for a person to be victim to cyber crimes. 

I have been contacting the credit reporting agencies as well ss the creditors who are reporting information on my name. In trying to explain that therr have been multiple accounts reporting on my credit that i have no knowledge of, it seems as though any documentation requested from me that i send, is never sufficient. 

I need the CFPBs help in contacting the listed creditors below and notify them that if they do not provide me with the contract that i supposedly had with the origingal creditor with my signature, then they must delete this account from my credit report. 

XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$8800.00} XXXX XX/XX/XXXX {$670.00} XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} ( Original Creditor : XXXX ) XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$380.00}
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Trans Union LLC needs to immediately delete this off of my report!! I have XXXX public records ( Bankruptcies ) appearing from Trans Union LLC.. I have contacted the court who confirmed they do dont verify information and that its no way that this was verified from the court which is either an error or a lie!! I was told by Transunion that this was verified by the court when I asked for the Method of verification!!! I have previously disputed this item but I am still being told by Trans Union LLC verbatim and I know that all calls are recorded!! I was told verbatim that this information was verified with the court however, the Clerk of the XXXX  XXXX  court and the XXXX  XXXX XXXX XXXX  states they do not verify anything!! XXXX XXXX also states its no Bankruptcy at all attached to me therefore this is an error or a lie that needs to be deleted off of my credit report immediately!!! 
therefore Trans Union LLC a reporting information is either an error or lie according to the FCRA section 611-15-USC Section 1681, XXXX  XXXX XXXX XXXX this information ( both public records bankruptcies should be deleted immediately )!! XXXX and XXXX have already removed this off of my Report!! If both bankruptcies are NOT immediately removed off of my report.. I have the right to Retain a Consumer Rights Attorney as well as a fair credit report!! This was not properly verified!! Therefore should not be at all appearing on my Report!! I have enclosed the documentation from the Bankruptcy court stating they do not verify, they do not report to Transunion or any other Credit Bureau for that matter therefore it needs to be immediately deleted!!
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act, Bank XXXX XXXX Account # 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 a account without my written instructions. 

Furthermore, Bank XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX  ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

A new acct showed up on my credit report from XXXX XXXX, the XXXX XXXX XXXX XXXX. I am not eligible for an acct from them as I am not a XXXX  veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, Trans World Systems, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted XXXX directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from TSI they intend filing wage garnishment against me.