davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BAS Receivable Management Inc. (CO)

On XX/XX/2024 on a recorded line XXXX XXXX called and spoke to me about a debt. When I told him he was calling my place of employment and to stop he became upset. I asked him multiple times to send me a copy of the bill as I had made payments to the original creditor and I wanted to make sure that was reflected. He then told me he already had a judgement for my husband 's medical debt ( which was a completely different bill and to which my husband had be paying on ) and told me he'd take my paycheck through garnishment. I asked is he was threatening me and he continued to do so. He refused to answer my questions and was very angry. He did file for garnishment on {$500.00} here at my place of employment for the debt my husband was paying on. 

The same day he called I sent a signed letter which I will attach asking him to validate the debt and to not contact me at work again. 

I've since been making regular payments through XXXX to the collection agency. Today on XX/XX/XXXX at XXXX XXXX XXXX called my place of employment, asked for me, gave his name, and then hung up before I could pick up the call. This was also on a recorded line.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (FL)

In XXXX of 2018 I received a collection letter from Credit Collections USA claiming I owned {$80.00} to a XXXX XXXX SPC. I immediately responded by certified mail and informed them that this debt was not mine and requested validation. See Attached. Finally, in XXXX they responded with copies of a bill which had NONE of my correct personal info on it. They violated FCRA by not responding in a timely manner and failed to validate anything. On XX/XX/XXXX, I sent them a certified letter informing them they did not validate anything and that the debt as stated is not mine. I also reminded them taking 6 months to respond is WAY outside the normal time frame. I told them I consider this matter closed and that I do not know who this debt belongs to but it is not mine. I warned them further collection attempts or any derogatory information placed on my file would result in this complaint being filed. They put this debt, which is not mine on my credit bureaus causing my score to drop over 50 points. As a result an auto loan I recently obtained I was forced into a higher interest rate because of negative marks on my credit. This has created substantial injury to me and monetary damage to me. I intend to file a lawsuit against them and would like them sanctioned for violating FCRA. They should NOT be allowed to be in the business of collecting any debts.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

The HEREIN MENTIONED ORIGINAL CREDITORS, DATA FURNISHER AND OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN THE CONSUMERS CONSENT TO DISCLOSE PRIVATE, PERSONAL, NONPUBLIC, FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDES BUT IS NOT LIMITED TO XXXX XXXX, XXXX, AND XXXX. AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTION DATA FURNISHERS, ORIGINAL CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES BREACHING THE CONSUMERS PRIVACY
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

For at least a year, synchrony XXXX XXXX has been add " insurance fees '' monthly ranging from XXXX bucks that I never approved. It's card insurance. I reached out but that department is off line and unreachable for a month per rep. Please help.
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.
Consumer complaint received 2017-12-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

I currently owe only {$12000.00} on my mortgage and I have no credit card debt. My credit score is 820+ I tried to get a line of credit secured by by house so I could pay off the existing mortgage and start a new business selling on XXXX . I asked for only {$75000.00} and my house is worth {>= $1,000,000} If I used all of the credit line it would reduce my monthly payments by {$220.00}. I currently have {$50000.00} is stock and savings. PNC holds my mortgage and that is where I applied for the line of credit. It seems unfair that I got turned down when I have enough money in the bank to pay of my current debit four times.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (TX)

I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXXXXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.
Consumer complaint received 2019-10-20
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. (FL)

XXXX XXXX XXXX Account Name XXXX date:XX/XX/2018 Collection account. {$1400.00} This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX  and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX  be cause by information was compromised they are completely aware of this.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MN)

I bought a vehicle from XXXX and Ally provided the loan. I requested a cancellation of a insurance policy through XXXX, and was told they would be sending the refund check to Ally to be applied to my outstanding balance. It took XXXX about a month and half to disperse that refund. During that time, I paid off my loan in full with Ally. According to XXXX, they cashed and cleared the check ( check number XXXX XXXX on XX/XX/21. After that, I spoke to representatives from Ally and was told they had received the payment from XXXX and would be mailing me a physical refund check. I did not receive this check after 10 business days. I requested a new check to be sent out, did not receive that check after 10 business days. Again, I requested a new check and did not receive it. Each time, the representative confirmed to me that they was the credit on my account that I was owed a payment for and they would be mailing the check. Finally, I called and requested that a new check be sent out to me and I be given a tracking number so I could ensure delivery. At this point, I was told that Ally had never received a payment from XXXX, and that they did not owe me any money and I would have to check with XXXX. I contacted XXXX and was told the same information, that the check was sent to Ally on XX/XX/21, cashed and cleared on XX/XX/21. XXXX was helpful, cooperative, transparent and was willing to give me whatever written information I requested. Ally has refused to communicate with me in writing, stating that " they are not allowed to use email ''. They have refused to give me any written statements about their plan to resolve this issue, and have refused to give me the email address or direct phone number for anyone in their payment investigations department that can assist with this claim.
Consumer complaint received 2018-06-05
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

this is outragous that american express will not notify or send any correspondence regarding a {$2.00} payment that still showed as open even after i had paid the account in full. 
they have never contacted me and reported the account delinquent 30 days even though it was closed. 
i have paid the remaining balance of {$2.00}
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Consultants, Inc. (IN)

XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2018-01-17
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)

ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Disputed the debt but they never investigate it. in less then 24 hrs  they coming back to tell me that its correct i have try to dispute it numerous of times that they are saying they will not investigate it. and send collection letters and threatening letters.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

FDCPA violations Portfolio Recovery was sent a request for validation of debt in accordance with MA General laws via certified mailXX/XX/XXXX with a cease and desist order. They refused to reply and continued to place phone calls to my residence 2x per week. They received a 93A Demand notice for FDCPA violations and state violationsXX/XX/XXXX. They refused to reply and continued placing phone calls to my residence. XX/XX/XXXXthey received a second 93A Demand and cease and desist notice. They refuse to comply. Portfolio has provided no validation of their claim, violated numerous state and federal collection regulations and continued to contact me via phone and inw riting at a minimum two times per week. 


I demand the phone calls stop, the harassment notices stop and the fabricated debt be removed from my reports in accordance with both state and federal law.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-01-28
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$780.00}
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have disputed two accounts over 60 days ago with Transunion and another company by the name of XXXX XXXX XXXX XXXX which neither accounts never belonged to me and were the result of identity fraud/ Despite my previous disputes with both XXXX   XXXX XXXX  and XXXX  XXXX XXXX XXXX reporting to my credit file. XXXX XXXX XXXX has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand Transunion has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I wrote a letter to Procollect asking to verify and validate the debt as it is my per the FCRA. it seems as if no investigation was carried out. they sent me a letter back " typed word document '' that simply said I owe XXXX dollars demanding that I pay immediately. I then called and asked questions on having the correct documents sent to me they need to have on file to collect a debt from me per the FDPCA ad the FCRA. 
after being hung up on twice I was finally told by the supervisor that the do not have the documentation. But they continue my try and make me pay and its on my credit report. 
they are In violation of federal law.
Consumer complaint received 2019-10-29
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. (AL)

I NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.
Consumer complaint received 2018-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (OK)

XXXX XXXX XXXX XXXX has put me in a home that I could never afford but yet they took all my down payments etc and told me I could. My previous house payment was {$380.00} they put me in a home with a {$690.00} house payment which I do not make enough. I haven't even paid bills yet of which I do not have the money. They said I could afford it and I believed them I put in a complaint to you going 2 months ago and you have not given me an answer. I'm sure they are refusing you info like the do me.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

cra violation wells fargo has caused me to bounce checks with atleast the other banks also my apartment complex giving my provisional credit and taking it back i have showed them on several occasions that my computer was stolen police reports and this still has not been fixed charging me non atm which is unfair by their practices they open up accounts before in the past and still have not settle that case How many times would they like the see the police report i sent on several several times
Consumer complaint received 2019-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I recently reviewed my credit file to find several mistakes I tried to dispute the items vis experian however they would not allow me to dispute stating the items were verified in prior disputes ... .The items in question are below and the attachment confirm my case Bankruptcy listed on file previously disputed experian sent letter stating they verified with XXXX XXXX courts letter attached from courts stating they did not and do not verify this information also the law states that public record information must updated every 90 days in this case the bankruptcy has not been updated within 90 days also FCRA 603 attached I did not consent orally or in writing to the nature and scope of this communication. 
XXXX XXXX XXXX is listed in report as a bankruptcy which is incirrect it also has a date opened of XX/XX/16 and an update date of XX/XX/16 how can you update and account that wasnt yet opened according to the report see attached XXXX XXXX XXXXXXXX same issue as the account above see attachment
Consumer complaint received 2021-09-09
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. (TX)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MD)

The XXXX Credit Card misled customers by using the Bait and Switch manipulation technique. They lured people to their credit card with no annual fee and great benefits allowing you to use cash back towards your statements. Now they not only lowered the benefits but made their cash back system only for credits towards their own company. Now I am stuck with this credit card because I care about my credit history and do not want to have a canceled credit card this quickly on my credit report.
Consumer complaint received 2019-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

nelnet who is the servicer has reported the 120 days late on my credit file the information is incorrect for the reason i have made many attempts to get information on the account. the amount due has been satisfied and when i challenged the validity of the account in retaliation they slapped a 120 days late on my account is this a deliberate form of harassment and a attempt to destroy my credit worthiness that i have worked hard to establish.