davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MD)

This company has filed a collections against me which has now affected my credit. I have NO collections & my credit score is nearly perfect. I haven't had anything go to collections in over 20 years. I have an account with XXXX, which I had to open after a security breach within the government. This collection was just filed & already hit my credit report. I have seen many other complaints about this company, so I know they are not legit. 
I have filed a dispute with the XXXX. Response is below : Complaint : XXXX I am rejecting this response because : I have never lived in New York. The bills that have been submitted in my name are to an address in NY. Obviously, since you can see ALL of my information, you would know that I have NEVER lived in another state. I will NOT pay this debt as it is not mine & never was. I don't know who has my information but I refuse to pay a XXXX XXXX  debt that was opened fraudulently. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

I received and email XX/XX/22 at XXXX am stating this : I did NOT open this account nor approve this account. They used my name, address and SSN to open this. 

TruistLogo Client Name : XXXX XXXX Application ID : XXXX We're happy you're here. 
This is an automated message. Please do not reply directly to this email. 
Here are your new account details. 
Hello XXXX, You're one step closer to reaching your financial goals. Thanks for opening your accounts, we can't wait to start working with you. 

Wondering what to do next? 

Skip the trip, bank from the comfort of home with Truist Online Banking. 

Wherever you go, we go. Bank from anywhere and any device with Truist Mobile. 

Here 's your new account summary : Account ( s ) : Truist One Checking XXXX Name ( s ) on account : XXXX XXXX Questions? Call us at XXXX ( XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (TX)

I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2020-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

This stems from a fraudulent medical bill from XXXX XXXX  for services never rendered. I have beaten this fraudulent bill twice in 4 years from other creditors trying to get a quick payoff or they would ruin my credit. Capio partners has made it there goal to completely harass me for the last 3 weeks by consistently bombarding my credit report with almost {$3000.00} in small increments.The original bill was less than {$1000.00}? but every time I fight and get one knocked off my credit they come right back with more fraudulent hits. I dont understand how I keep beating them but they can put whatever lying, fraudulent and corrupt billing on my credit report and it is not even being monitored? Do we have no protection against our credit? How many times do I have to get this knocked off my credit and how many times do they have to come back with more false allegations. Eventually there going to state that I owe them {$100000.00}? Why do they have the right to put whatever they want on my credit report? What gives them the right to totally mess with peoples lives for a small payoff??????
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

Hello, I purchased a course valued at {$190.00} on XX/XX/2019 with my citibank double cash back credit card. I had automatic payments set to be executed on the XX/XX/XXXXof every month. The bill was due the 10th of every month. Unfortunately, the auto pay failed to execute and I had to manually pay the bill today XX/XX/2019, which was one day late. This mistake in the auto pay system decreased my XXXX score by XXXX points to XXXX and my XXXX score by XXXX points to XXXX. After I saw my score, I immediately changed the auto pay date to the XX/XX/XXXXt of every month. 

I called citibank, but they did not know how to deal with the problem. They told me that my auto pay plan did pay it on time, but I saw no statement update to prove this. I have provided pictures of my credit score, credit statement, and auto pay plan.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (ME)

i had filled i d theft reports with XXXX XXXX and experian they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX  Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX  XXXX XXXX XXXX XXXX Please help
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

XX/XX/XXXX my wife and I were contacted by our mortgage company Mr. Cooper and were informed that they purchased secondary wind insurance in the amount of {$1600.00} which then drained our escrow account below the minimum balance needed in the account of {$670.00}, and we are being asked to pay back {$2100.00} before XX/XX/XXXX or our mortgage will go from a monthly payment of {$1600.00} to a monthly payment of {$1900.00} if they break it up into 12 payments. I knew that we have had coverage on our home with travelers insurance so I called our insurance provider XXXX XXXX  to check on our policy. They informed us that we have not had coverage on our home since XX/XX/2021 because Mr.Cooper failed to make our insurance payment so the insurance lapsed. I recall being contacted about this in 2021 I called Mr Cooper then to get there fax number so travelers could get paid apparently it was not paid which caused our insurance to cancel our coverage. I had to set up a new policy that moment. When I received this news I immediately called Mr. Cooper to get this resolved I was on the phone from last Wednesday to Friday was hung up on 3 times when the representatives at Mr. Cooper could not help with this issue. I was persistent and kept calling and being told I was being escalated up the chain of command to a manager. The " manager '' informed me that they could do nothing for me I would be expected to pay them back the {$2100.00} and that the only resolution would be to call my insurance company and see if they can back date my coverage to XXXX of XXXX  and that I would also be hit with a massive insurance bill because of the months I had no coverage. All because they failed to pay my insurance provider for my monthly insurance. I also had questions about where our escrow payments have been going if they have not been paying insurance since XXXX  with no answer.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX  Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (CA)

XXXX XXXX XXXX and XXXX XXXX violated The Fair Debt Collections Act in the following ways : 1. Threatened to take legal action against me if I did not pay the debt from 14 years ago. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. Continued to make calls and texts to my family members after making contact with me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. Threatened my family members with legal action if they didnt give them information. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 4. Threatened to contact my employer via text. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 5. Gave my family member information about the debt. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

Dear Consumer Financial Protection Bureau, Please review the attached letter that details the issue with XXXX XXXX XXXX and XXXX. 

I disputed the account showing up on my credit report at beginning on XX/XX/2018. I received the attached response from XXXX XXXX XXXX On XX/XX/XXXX. 

Please help resolve this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX  Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type
Consumer complaint received 2024-02-28
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.