davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (FL)

I can not get ECMC ( Educational Credit management Corporation ) to help at all. I have been in daily communication with ECMC since XX/XX/XXXX. ECMC is wanting to increase the amounts agreed upon. ECMC has been calling nonstop to my workplace, home phone and family. They have sent emails to my workplace as well. I have spoken with them on the phone and they are rude and unprofessional. I try and communicate through email so that I can have an electronic method of tracking our communication, but they only want phone correspondence. I established a payment plan through ECMC and they are also wanting to garnish wages starting on XX/XX/XXXX for these loans as well. 
My loans were in forbearance with XXXX, except for the ones that they got possession of. I was told by XXXX that those were mistakenly not put into forbearance status. My position now, is that I am paying XXXX, XXXX, ECMC through a payment plan set up through their site. I will also have my wages garnished on XX/XX/XXXX. I have XXXX special needs kids that I adopted so I do not have money to just give to ECMC. I can not sell my house either like ECMC has suggested. Any help in this matter would be greatly appreciated. 

Thanks for your time. 

XXXX
Consumer complaint received 2024-03-03
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)

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.

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 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 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 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

CCS COLLECTIONS is reporting a Collections account on my personal credit report for XXXX IN as my original creditor, this account is inaccurate, incorrect, and false. There is no contractual agreement between myself and XXXX XXXX currently existing to support any past due amount owed. I have no default to XXXXXXXX XXXX and did not agree to renew or extend any contract with XXXXXXXX XXXX 

Additionally, XXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. 

CCS COLLECTIONS failed to contact me to notify me that XXXXXXXX XXXX turned over an account to collections before reporting this information on my credit report.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GLOBAL PAYMENTS DIRECT INC. (VA)

I played the XXXX XXXX on XX/XX/2022 I used ACH checks they bounced in my bank account. They dont have a fee listed nor a Debt collector listed. This debt collector Global Payment Check Services has charged my checking account 75 times since XX/XX/2022. They have written different checks for different amounts. All XXXX times has bounced creating a balance of {$1900.00}. I have contacted XXXX XXXXXXXX, XXXX XXXX and my bank ( XXXX ) and being told this is legal. I never gave anyone the permission to withdraw any funds from my account. I was told by Global Payments they will keep writing checks till it paid.
Consumer complaint received 2023-02-10
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. (NY)

When I went to the car dealership they told me they were going to only pull credit from XXXX XXXX. However, i have a bunch of inquiries on my report that i didn't authorize. Inquires not recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-07-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (AZ)

I set up a CD with BMO Harris Bank and I originally had automatic payments going into the account to settle the full amount of the CD. However, the last 3 months of the CD, someone got a hold of my  account and routing number information and I was unable to get this resolved in time to make the payments. By the time I received the letters I was almost two months behind on the payments. It took a  while for the fraud department to get this taken care of and the funds reversed into the account. As soon as I found out about the situation I placed the remainder of the money into the account to close the CD including all of the late fees. If I can get this removed off of my credit report I sure would appreciate it. I had this CD for 3 yrs and didn't miss a payment and this mark on my report has caused it to go down. If you can look into this for me, I sure would appreciate it.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I have been incurring a Escrow/impound from the mortgage company for them not having my Master policy for my condominium on file. This has been addressed to them, they have received it and I am still being incurring the escrow fee.. After several calls and attempts and spending countless hours on the phone with multiple representatives, they still have not waived the fee.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called XXXX. 

Recieved an update on bankruptcy dispute with Experian on XX/XX/XXXX stating that company verfied information with Experian and was accurate.Experian didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

starts in early XXXX i had no idea leading up until XXXX and i am un aware of anything at all prior or present except XXXX!!!! I want to dispute them all bc i did not make the transactions
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Scheer, Green & Burke L.P.A. (MI)

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, MI XXXX. Debt Collector came to my home asking for XXXX XXXX. When he was told that she does not reside here continue to pursue posting paperwork on my door. I asked him to remove it and he said no that he is doing what the court told him to do and this is the address they have and continued to be rude and still taped paper to my door. Then when I asked him again he told me to mail it to her and that she owed XXXX and they are trying to collect and they will take her to court and get a default judgement against her. Once again I am not XXXX XXXX have nothing to do with this debt and was treated rude and he disrespected me and my son and my home and told us all the information about who and what she owed and that she was being sued. I am requesting that this company, this man, this attorney office and anyone related to this company not come to my home again. I have the entire incident recorded on my XXXX alarm and on my cell phone. She does not live here and I want them to stop coming to my home.
Consumer complaint received 2019-07-01
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. (TX)

I am submitting a complaint against XXXX and Equifax for reporting inaccurate information on my credit report that is currently damaging my credit. I have attempted several times to get in contact with the credit agencies about their reporting and the account still is not removed or fixed. I have attached documentation directly from XXXX XXXX where the account was paid in full. Meaning there should be a {$0.00} on the account. That is not the case, every month they have been reporting a balance of {$1900.00}. I have highlighted the account on my credit report so you see how they are reporting the account. Under the Fair credit reporting act I am exercising my rights to get this account deleted from my credit file. They have done enough damage to my scores with their inaccurate reporting. 

Days I submitted my own disputes:XX/XX/XXXX, XXXX, XX/XX/2019. I have attempted to get this resolved several times. 

XXXX XXXX Account # XXXX
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I did short sale on XX/XX/2010. I had the first mortgage and 2nd mortgage. The first was Chase and the 2nd was Chase Equity.  Chase took XXXX and Chase Equity {$3000.00}. 

Chase have kept charging me late charge and kept reporting the debt. I kept sent all short sale documents so many times to Chase but they have never replied.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XX/XX/XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, XXXX of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XX/XX/XXXX and the account was opened in XX/XX/XXXX. This was scheduled to be removed from my credit report on XX/XX/XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to XXXXXXXX, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XX/XX/XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX bank have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state XXXX and was attending XXXX college. It makes no sense how I could go open a utility account if I did not live in the state XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I XXXX these companies have caused me XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is a XXXX XXXX Capitol One Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called Capitol One when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Credit application denied ... .no follow up, etc Scams, unethical, retaliation, blacklisted blocked persecuted ilegally restricted victimized forgery Application about 3 weeks ago Identity theft, defamated
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My mortgage servicing company has changed. XXXX XXXX XXXX is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX effective XX/XX/2019. XXXX XXXX XXXX ( XXXX ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX XXXX XXXX XXXX XXXX and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by XXXX XXXX XXXX does not work. I called XXXX   and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX   reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Discover is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX or Discover whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NV)

I had a Walmart credit card. I was paying the payments with no problem. Walmart with out notice or reason lowered my credit limit. I was never late on payments or deliquent. I called Walmart card services and was told they lowered it at their discression. I advised them it put me over my new credit limit and I was charged a over the limit fee. I stopped paying because I felt this was unfair to me.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hello, I have a folowing situation - I just XXXX XXXX to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but XXXX kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history. 
I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION (PA)

I opened an account on Saturday. I got a letter from a lawyer XXXX XXXX XXXX on Monday stating he need information about my account. The account has not been active yet and he has access to my information. I feel threatened as he can misuse my information to open other accounts or track my activities without my knowledge. It intrusion of my financial privacy.