davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (DE)

company has refused to allow me to opt out of reporting per 15 USC 6508 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Ally Financial has never given me the option to opt out They have been sharing my personal information to nonaffiliated third parties
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AK)

Credence Resource Management LLC called me from XXXX ( XXXX ) XXXX on XX/XX/XXXX and the first time I told them I dont owe money ( {$35.00} ) for my phone bill that I just paid. The second and third times they called me I did not answer. The fourth time they called they immediately hung up so called them right back and told them to stop calling me. Then about a week later I got a letter in the mail from the same company stating I am in debt to XXXX XXXX XXXX. I double checked with XXXX XXXX XXXX and they said my account balance was {$0.00}. The call was from Washington, the address for Credence on the letter is in Texas, and the payment address is in Michigan.
Consumer complaint received 2019-02-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I have 9 collections accounts that were re-inserted on my credit report without me being notified within 5 days of them being reinserted. All on Equifax {$75.00} XXXX XXXX {$70.00} XXXX XXXX   {$53.00} XXXX XXXX {$88.00} XXXX XXXX {$39.00} XXXX XXXX {$33.00} XXXX {$33.00} XXXX {$42.00} XXXX {$53.00} XXXX XXXX
Consumer complaint received 2017-02-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Guglielmo and Associates (NM)

This debt collection company just went into my bank account and garnished all of my wages from my account and left me at XXXX balance. I called the company to work something out and they denied and stated their is nothing they can do. I know I owe the debt and I am willing to work out a payment arrangement to get the account paid off.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (NC)

credit protection association is in clear violation of the fair and accurate credit reporting act I never got a letter saying that i owe any money and to who and why. I never got a mailing address that i can dispute the debt. I do not have a mailing address to dispute a debt. just none stop robo calls about a debt with an account # XXXX robocall debt collector that did not send me a bill via usmail. 
never gave me a chance to dispute. When i call to dispute the debt they robo call again the next day. refuse to provide me a place to send a dispute letter in writing never got any letters from them about this debt. this is clear violation of the fair and accurate credit reporting act. I should of got a letter with in so meny days of the call. never got no such letter do not know how i can dispute this debt for XXXX I would like to dispute because poor quality service provided resulted in a loss of {$4900.00} in lost trades. I do not feel that i owe any debt of {$210.00} because of the poor quality of internet service provided by XXXX. I demand a letter from this debt collector so i can send a dispute letter via us mail.
Consumer complaint received 2021-06-04
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: CCS Financial Services, Inc. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-09-11
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. (WA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, a short time ago I began house hunting with the dream of becoming a home owner I reviewed my report and I knew I was ready to purchase. When I went to meet with the lender I was advised my credit score had dropped tremendously making me no longer eligible for the rates for home. So then I find out XXXX inquires were reinserted on my report. No one every gave me notice they were removing inquires or that they were being placed back. I called TU and before I could say my name I was advised that I do n't have any rights pertaining to this matter. And I just do n't believe that to be true. I have worked extremely hard to improve my credit for the purchasing of my home and my dream was washed away due to someone else 's error. I waiting for months to see I would receive some sort of notification or letter of them being resubmitted and I still to this day have no received anything. not even an apology.
Consumer complaint received 2017-05-24
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)

I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX , TransUnion, and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Consumer complaint received 2020-06-01
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. (OH)

There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I check my Transunion, XXXX and XXXX weekly for errors because I am in the process of repairing my credit. I checked Transunion on XX/XX/2017 and 2 accounts were removed the week of XX/XX/2017 and XX/XX/2017 and reinserted on XX/XX/2017 Spoke with Transunion on XX/XX/2017 and the Supervisor stated only 1 account was deleted. The other account in question is XXXX XXXX XXXX ( reinserted ) without any notice to me. Also 7 credit inquiries were also removed and reinserted.
Consumer complaint received 2016-02-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Wise Finance, LLC (IL)

On XXXX XXXX 2016 at XXXX XXXX there was a call place to XXXX, XXXX XXXX XXXX, XXXX in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

We went for Lab service to XXXX XXXX XXXX in Month of XXXX. I have given them both Primary and secondary insurances to claim for insurance on my blood work. Later one month the XXXX team sent me a letter for the remaining balance and I called them to file with my 2ndary insurance who takes care of what primary is not paid or left over balance. But even after months they never filed a claim with my 2ndary insurance and they end up sending this {$110.00} to a collection agency called CREDIT COLLECTION SERVIC. 
This collection agency never called me and they reported that they sent me a few letters but I didn't receive anything. Without talking to me over phone or email, this agency reported to 3 of Credit Bureau 's on XX/XX/2021 about missing payment for the original creditor : XXXX DIAGNOSTICS INCORPORATION. 

Then on XX/XX/2021 when i saw my credit report with these collections i called them and asked why no one called for this collection. I have valid reason not to pay, because XXXX has not filed a claim with my 2ndary insurance. The response I got from the collection agency was bad and they are not polite. so, instead of arguing with them i paid total amount on the same day XX/XX/2021 and requested agency to please remove collection as this not legit because miscommunication between everyone and no one reached out me from collection agency on this due and as well XXXX  did not file claim with my 2ndary insurance yet who supposed to try that option before all this.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I am set up on Automatic Loan payments to be drafted each month from my checking account. My due date is the XXXX of every month. After asking why they charged a fee to make on-time payments on-line, I was told I could make the pmts for free if I sign up for XXXX online & can choose the option to have the funds deducted exactly 16 days after my due date, which is my grace period for no late charges. I chose this option because it best coincided with my pay dates. However, on XX/XX/XXXX and again on XX/XX/XXXX, the monthly pmt was taken early. In XXXX, it was deducted on the XXXX when it should have come out on the XXXX ( 16 days after my XXXX due date ). In XXXX, it should have been drafted on XX/XX/XXXX yet it came out on XX/XX/XXXX. After this happened the XXXX time in XXXX, I faxed over proof the funds were taken along with a faxed request for resolution and nobody called me back to explain why this occurred. On both occasions, I was left on hold several times, transferred to different depts., including their " Cashier dept. ", yet nobody could explain why it happened. After the XXXX time it happened in XXXX, the team member I spoke with ( XXXX ) at first tried to tell me this occurred because XXXX is a XXXX month, which seemed irrelevant & should not affect the XXXX calendar days from your due date. I was finally transferred to Supervisor XXXX XXXX ( ext XXXX ) on XX/XX/XXXX who opened a research request and promised to call me back. I rec 'd a vml from XXXX the following Monday XX/XX/XXXX, however, I could not get thru to her directly & was stuck explaining the situation AGAIN to someone else on the XXXX who also said they 'd research & get back to me. As of Wed XX/XX/XXXX, I still have not heard back.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

I filed a dispute regarding a charge from XXXX XXXX on XX/XX/2023 of {$700.00}. I provided all the documentation which shows that I was due a {$700.00} refund. 

American Express closed the dispute saying the merchant already refunded my amount of {$700.00} but that is incorrect. They keep confusing another merchant credit of same exact amount with the one that I filed a dispute about. 

I should have a negative balance on my account since I overpaid the card but instead I have a balance of {$650.00} which is incorrect. 

I have asked American Express to review my past XXXX statements and tell me exactly what charge from my account is the balance from? The disputed amount of {$700.00} should be credit back to me so my balance would go to negative balance. 

I kindly request that American Express reviews my past 3 statements for my credit card and go transaction by transaction and verify that all charges were refunded or paid except for the charge on XX/XX/2023 for {$700.00}. 

Thank you.
Consumer complaint received 2019-02-26
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. (GA)

I have submitted several letters and complaints to XXXX XXXX XXXX XXXX and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

For the past 5 years, since XXXX 2011, I have made payments faithfully every month as much as I can to Navient or XXXX XXXX. I continue to get 6-8 phone calls daily from them. A female from Navient called me at my work today. I have never given them permission to contact me at work. When I asked her how she got my number, she responded, " I found it. '' I told her I never gave them permission to call me at work. She began telling me that I am 880+ days delinquent. I told her that technically I am not, as I paid {$30.00}, which is all I can pay, on XXXX XXXX. She said technically I am delinquent because I have not paid the amount required. I told her that I can not afford to pay any more than {$30.00} a month. She said that she found that hard to believe. She went on to tell me that I choose to not pay any more, that I am unwilling to pay any more. I told her that I owe bills to other people. I told her my rent was {$1100.00} a month. She said, " well, you need to find a cheaper place to live. '' She accused me of not wanting to pay. She even laughed at me when I told her that I could n't pay {$70.00} a month. She made me feel worthless. I said, " Shame on you for judging me. You do n't know my financial situation ''. She said, " Well then you need to stop refusing to pay what you owe ''. I told her that I am paying, but she argued that it was n't enough. At one point, she said, " you do know what will happen to you if you dont pay do n't you? '' I said, " yes, I 've been threatened before. And when and if that day comes, I 'll have an attorney. '' She started laughing and said, " An attorney? If you can get an attorney to represent you, you can pay your loans like you 're supposed to. '' I have gotten to the point that I no longer answer my phone. They call from all different numbers in different states to try and throw me off : XXXX, XXXX, XXXX, XXXX, XXXX. And now they 're calling my work. I do n't know how they got my work number. I have never given them my work phone number. They are bullies. And now they 're stalking me by searching to get my work info. The total amount for the loans is less than {$20000.00}, and that includes 10 % interest for each loan. I am being harassed and threatened over {$20000.00}?
Consumer complaint received 2022-08-09
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. (CA)

The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion and provided them with a police report that I am a victim of identity theft. They refuse to remove the inaccurate inquiries, as well as the inaccurate accounts. Additionally, they continue to let people do hard pulls on my credit without my authorization. The following credit inquiries are continued unauthorized inquires related to my identity theft case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has stone walled me and refuses to return an item I presented on XX/XX/XXXX for payment at a financial institution. Also I have a 17 year relationship and the bank refuses to disclose the location of debt securities and other notes due to my familys trust on my behalf. Bank of America also allowed XXXX XXXX XX/XX/XXXX and XXXX XXXX to commit fraudulent acts on my accounts from XXXX to XXXX and refuses to pursue the criminals and has penalized me. I have been caused great emotional stress and economic loss. Transactions were timely reported pursuant to federal regulations as unauthorized. Also my draft was not honored or returned in accordance with law and equity. Bank also kept unemployment funds due from state of Maryland and refuses to return or credit.