davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting 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)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.
Consumer complaint received 2017-09-29
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)

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries  removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
Consumer complaint received 2017-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (GA)

I have a student loan that is now with XXXX XXXX XXXX and I am making payments to avoid the garnishment they are trying to file. I believe that my statue of limitations were up prior to collecting payments. I have also asked for documents on the student loan and they have n't been able to provide me with the correct documents.
Consumer complaint received 2019-03-04
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. (IL)

XXXX and Transunion are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2018-03-24
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: Amsher Collection Services, Inc. (NC)

On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an XXXX   consumer report. It has not responded.

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report.

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (OK)

I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around XXXX.
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2017 I tried to use my temporary debit card as my card was frauded on XXXX XXXX. It was decilined both in and out of the gas station. We then call customer service at XXXX XXXX to be told my tempary card has been shut down only good for 30 days saying I have to go to bank to get another temporary card a 25 mile trip one way. That is unacceptable as we called about permant card and not having it on several occasions. was told hurricane delayed things jusdt wait nothing again about the temp card only being good 30 days. This is not right at all never informing me it was going to be shut off. Not giving me access to my money costing me money to have to go get another temp card. Very upset.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC (GA)

Consumer has a right to privacy. XXXX XXXX XXXX ( XXXX  ), a debt collection agency, recently began contacting the consumer after acquiring ownership of a debt that consumer allegedly owed to BMG LoansAtWork , LLC. The debt collection agency was informed to cease and desist contacting the Consumer. XXXX received communication from Consumer to cease and desist via USPS Certified Mail. Once the previous alleged contract with BMG was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission nor any permissible purpose, which is a direct violation of the FCRA and FDCPA. XXXX  has accessed consumer 's personal information, credit file disclosures and even created an erroneous account with the Consumers personal identifying information, insinuating that they gave the Consumer some type of loan. The Consumer has NO obligation to this organization. The Consumer will be filing an Identity Theft Report with the Federal Trade Commission. Debt collectors should have been notified by BMG that BMG submitted cancellation of debt to the IRS, therefore any alleged debt has already been discharged, cancelled, and forgiven. XXXX  took it upon themselves to acquire a so called debt and stated in a recent letter that they were the owners of the debt. XXXX decision to acquire a credit profile was a choice of their own and Consumer never GUARANTEED any asset, note, or payment nor did they sign any contract with XXXX. Consumer has suspicion of these two companies, BMG LoansAtwork , LLC. and XXXX to be committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with XXXX  and/or BMG. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. BMG IS IN VIOLATION OF THE FCRA 15 USC 1681 CONSUMERS RIGHT TO PRIVACY FOR ADVERTISING AND SELLING CONSUMER 'S PERSONAL NON-PUBLIC INFORMATION. ARC IS IN VIOLATION OF FDCPA 15 USC 1692 A Consumer 's Right to Privacy by the reference violations mentioned above. Consumer has a copy of several credit file disclosures displaying the debt collectors accessing of the Consumers information without Consumers written consent. Consumer also holds denial letters and other evidence of harm caused by these companies negligence and willful noncompliance.
Consumer complaint received 2022-09-08
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$23000.00} XXXX  XXXX XXXXBalance : {$0.00} XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2019-10-25
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: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

Synchrony bank has charged me for a Card Security fee without my authorization and told me they would cease this service and give me a refund within 1 week. I have yet to hear back from the company and yet to hear about anything regarding a refund to my account. The past year I have been receiving a XXXX dollar Card Security Fee without my authorization.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Home Mortgage was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted Wells Fargo and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that Wells Fargo is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, Wells Fargo comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with Well Fargo Home Mortgage to lower his payments and not lose the home. I was not involved in that in any way. Wells Fargo told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation Wells Fargo sent to me regarding the loan modification in his name only.
Consumer complaint received 2017-09-29
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. (NY)

XXXX XXXX,2017 somebody Opened account for {$1000.00} usd from XXXX XXXX and was not me, My credit score got down from XXXX to XXXX in equifax only, for that reason
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have no business relationship with LVNV FUNDING LLC. They opened account in my name without my knowledge, authorization, and consent. I do not have a contract that I signed with them that makes me obligated to pay them anything. This is fraud, identity theft, and extortion. There is no agreement between myself and LVNV FUNDING LLC at all.
Consumer complaint received 2017-12-27
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. (WI)

Pursuant of the FCRA, I demanded a detailed explanation of the procedures used to validate accounts being reported by XXXX XXXX XXXX subsidiaries XXXX XXXX and XXXX within 15 days. My request was made on XX/XX/2017. 18 days have elapsed and I still do not have an explanation of how they validated the account. The reason I am asking for an explanation is, I have made numerous attempts to verify this information directly with the company and they have always failed to provide any evidence that I actually owe them anything. I would like an opportunity to review any documentation available from the creditors to determine if this debt is valid.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

Select Portfolio Servicing Inc is my mortgage company ( this is the XXXX owner of my mortgage in about three years. Two years ago I received help from the federal government through a HOPE grant to avoid loosing my home to foreclosure. They paid my previous mortgage company {$17.00}, XXXX to bring my account out of foreclosure and I was able to resume paying my mortgage after resolving my financial issue. Since this time that SPS purchased my mortgage they are reporting to the credit agencies that I owe them this amount in my payoff amount. I understand by getting this HOPE grant that if I do not keep the home, ( sell it, or loose it ) I will be responsible to repay this grant amount of XXXX if I do n't keep the home for ten years from the grant date, about two years ago. Here is my issue .... SPS received the amount of XXXX ( or at least the companie that owned my mortgage then did ) and I do n't think it 's fair for SPS to calculate my interest on the total amount still owed plus the grant amount daily, and montly and for SPS to report that I owe a debt of the additional amount of the grant money they received of XXXX. This is a loan I got from the federal government and I will owe the federal government if I loose or sell my home within the ten year guideline. SPS is using this amount to charge me additional interest and fees when they received this money, it is an unfair charging system that will never allow me to pay off this loan. SPS has also created a Escrow account that was not part of my original loan agreement and I feel illegal to attach to my mortage and create a extreme amount monthly to force me into foreclosure through extra charges not agreed to in my original loan agreement with the original mortgage company.. see attached documentation.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

We have spent over 5 hours on the phone with Equifax trying to get signed up for their Trusted ID because the  verification link does not work ( we have tried for 8 days all hours ). When you call after over 50 minutes on hold twice they have hung up on us because they do not know what to do. Same phone hang up when trying to get a freeze put on the account at another number Equifax gave us for that " service ''.
Consumer complaint received 2017-09-29
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)

Listed on my credit report is a XXXX collection by XXXX XXXX representing XXXX XXXX Bank for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX Bank. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (MD)

I pulled my credit reports and see an account being reported with NCB Managment Services. I am unaware of this debt, if in fact you believe you gave me proper notification then please send me a copy of the certified mail receipt with my name and my signature on it
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America Credit Card I paid the balance to XXXX XX/XX/XXXX. On XX/XX/XXXX I took a snapshot of the account balance paid to XXXX. 
On XX/XX/XXXX I discovered an interest fee was still showing on the account and contacted customer service to dispute the charge. The dispute was denied and I closed the credit card account completely.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service of Nevada (NV)

i justr recieved first written notice of debt on XX/XX/2024 of an alleged debt owed to sierra outsourcing solution in the exorbant amountt of {$18000.00}. Sierra outsourcing solutions is breaking the law because they have been reporting this debt to the credit bureaus for a couple months now. i have received no such notification.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (GA)

I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (IL)

I am not aware of the debt! I never received written notice to access or dispute alleged debt. If Calvary Portfolio feels they have notified me with written notification properly, then I am requesting a copy of the certified mail receipt bearing my name and signature as proof of service! Furthermore Calvary Portfolio is in direct violation of 12 CFR 1006.34 ( A ) ( 1 ) ( i ) ( b ) ( 15 ) USC 1692 ( j ). If Calvary Portfolio can not produce the requested documents I would be requesting a deletion of the account!
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

We wrote a check to our contractors wife. She deposited it into their company account at Chase bank. Check cleared our bank XX/XX/XXXX. Once funds cleared, they flagged the check as fraud, due to our contractor having an XXXX last name. We have gone into the bank branch of Chase bank to confirm, yes I wrote the check and yes these are the people I was writing the check for, so there's no fraud. That was the week of XX/XX/XXXX when we all became aware of the issue. We have spoken to the bank 5 or 6 times since always confirming that we wrote the check, but since my contractor has a XXXX last name, they are using every excuse to hold his funds, so he can't work on the job at our house. This is 100 % a discrimination issue, since there is no other explanation for holding the funds 30days more from the time everything has been confirmed. Every call I've receive has been to tell me that the investigation is continuing in the fraud case. There is no fraud case. It's a discrimination case against the bank that I would like to file. They keep saying it's fraud, but we've all gone in and testified that we write the check and it's who it's supposed to go to and we're well over 4 weeks and still they won't release the money. If this was turned around and we had XXXX XXXX of the banks money, would we have to pay interest on that money? XXXXldn't they have to pay interest?

I'd also like to either get my money back so I can give it to the contractor, or have the money released to the contractor so he can continue with the work. 
Please have someone call me so I can explain better. It literally is the worst way I've seen a XXXXXXXX XXXX XXXX, it's crazy what they are putting him through, as well as us!!
Consumer complaint received 2017-09-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bayside Capital Services, LLC (WA)

Last year ( XXXX 2016 ) I have borrowed online payday loan ( which is not licensed in my state ) the amount of {$1600.00} and I have paid {$970.00} and I have principle balance {$620.00}. 
I have contacted to XXXX washington that this payday loan ( XXXX XXXX XXXX ) not licensed in state of washington and I do n't have to pay excessive interest ( 480 % ). So I contacted to XXXX XXXX XXXX  that I willing to pay the principle only. But I never reply from XXXX XXXX XXXX. 

But today, I got a phone call from 'BAYSIDE CAPITAL SERVICES ' collection agency. 
They told me that they bought my account from XXXX XXXX XXXX. ** They told me that I owe {$2600.00} as of today and they threatening me they will sue me and they are going to garnish my salary. 
I asked willing to pay the principle {$620.00} but they refuge and they will serve the summons early next week.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (GA)

I received a bill for an XXXX XXXX XXXX Mastercard, issued by Barclaycard. The bill was for a past due charge of {$89.00} which related to the card 's annual fee. I never signed up for this Mastercard, nor received the card, nor activated the card, nor used the card. 

I called Barclaycard to deactivate the card and have the annual fee charge removed. They deactivated the card but refused to remove the {$89.00} annual fee charge. Their explanation was that I used to have a XXXX XXXX XXXX US Airways Visa card and that as a result of the US Airways XXXX XXXX XXXX merger I was issued a new card through Barclaycard. The Barclaycard representative I spoke to informed me that if I did not pay the charge, it would go to collections and negatively impact my credit. 

The unsolicited issuance of a credit card and subsequent charge of an annual fee is an entirely fraudulent and underhanded business practice. This is theft. Barclaycard has signed me up for a service without my consent and is charging me a fee that I did not agree to. I did not request their Mastercard, I did not receive their Mastercard, I did not activate their Mastercard, and I did not use their Mastercard. Their actions appear to me to be entirely criminal. They are preying on unsuspecting consumers and I request your help with this matter.