davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from midland credit. I tried to dispute the collection, because I had never heard of midland collections. Shortly after I received a court document from attorneys XXXXXXXX XXXX XXXXXXXX out of XXXX, MI. I contacted my lawyer who after speaking with XXXX XXXX XXXX reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys XXXX XXXX XXXXXXXX. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX  report, but not the other 2 reporting agencies. I tried calling midland collections, and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NC)

I received a letter dated XX/XX/2018 from RMCB requesting a past due balance of {$190.00} for XXXX XXXX. The letter did not advise me of my rights to request documentation to validate the charges. I requested documentation to validate the debt RMCB by phone on XX/XX/2018 at XXXX XXXX for the debt in which they were collecting. I specifically requested the dates of service, procedures performed and by whom. The first representative offered to email me this information which is in violation of HIPAA as this information is medical and private in nature. I requested to speak to a supervisor. I was transferred to a supervisor at XXXX XXXX. I expressed my concern about the letter I received and the lack of disclosure of the 30 days in which I could request validation of the charges and my concern an employee of the company would offer to email confidential medical information. As of XX/XX/2018, I have yet to receive any documentation regarding these charges. 

RMCB placed a collection account on my credit report prior to me receiving any correspondence notifying me of this debt. 

Debt validation is a federal right granted under the Fair Debt Collection Practices Act. I was not even informed of this right in the correspondence I received. 

The collection company 's information is as follows : AMCA/RMCB XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

GLA GLA COLLECTIONS XXXX XXXX XXXX XXXX, KY XXXX on behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a derogatory claim on my credit report. They never reached out to inform me that this account was on collection. Never made contact or communication, it wasn't until I started a dispute that a representative from GLA contacted me. 

This collection debt comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a bill that XXXX XXXX has been requested XXXX XXXX and the Physician XXXX XXXX XXXX XXXX office to provide copies of the treatment. XXXX XXXX has provided the patient claim disclosure that I do not owe anything. XXXX XXXX never responded. I didn't received any communication, early in the process I paid {XXXX} and received communication that it was going to be refunded because I didn't need to pay the {XXXX} this was going to be paid by XXXX XXXX. 

Then, I never received any information until XXXX XXXX  sent me a notification of a derogatory mark on my report. You will see on my document attached of all the information I have done to resolve this issue. GLA or the XXXX XXXX never communicated this until I opened a dispute on the credit report agencies, then GLA starts calling me that I owe this money. 

XXXX XXXX still maintains their position, the patient ME do not owe any debt to XXXX XXXXXXXX that they need to submit the paperwork. 

This has put my credit down for XXXX points. I personally called GLA and they stated the account is already accumulating interest. 

This is very frustrating, because I work very hard to keep a good credit pay my bills and out of the blue without any further notice XXXX XXXX XXXX sends a debt ( that is not correct ) to a collection agency.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (TX)

I have requested that pnc bank send me all documents pertaining to a car I had with them. I sent multiple letters, made multiple calls, and even faxed over a request to a department that never confirmed if they received my personal information because I cant call or speak to anyone from that department. This gas been very frustrating trying to get all the documents and information I have requested from them.
Consumer complaint received 2019-03-07
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. (OK)

Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to XXXX and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it XXXX sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my TransUnion and XXXX score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (DE)

I applied for a short forebearance with my FHA loan ( for 6 months ). Instead they gave me a loan modification for 33 months ( I am 7 years into my 30 year mortgage ) and they increased my interest rate from 5 % to 5.5 %. This is not what I asked. Do I ask for a deferment?
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have been trying to get my loan payments to be properly attributed as Public Service Loan Forgiveness qualifying payments since XX/XX/XXXX. So far XXXX  has been able to correct most of my account and correctly note the payments as PSLF qualifying payments ( although that took 17 months ). However, I haven't been able to get an effective response from XXXX since XX/XX/XXXX, when I requested them to correct some uncredited PSLF qualifying payments and send me a report with my payment history, indicating whether or not each payment is a PSLF qualifying payment and if not then why. After following up with XXXX at least a dozen times for them to produce this report, I was told today to wait another 30 days, which would bring me to just shy of 2 years from when I first requested further information on why my payments weren't qualifying.
Consumer complaint received 2021-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off XXXX XXXX XXXX. and we never agreed to any terms or did the ever try contacting us
Consumer complaint received 2021-09-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My offer for the home was except, and I went under contract around XX/XX/2021. My original closing date was XX/XX/2021, but I could not close on time because the bank was still processing all my information stuck in underwriting on the house still didn't get the appraisal report back. So my real estate agent had me sign a contract extension which took me from the XXXX of XXXX to XX/XX/XXXX to give Bank of America more time to finish my paperwork in underwriting. 

Then around the XXXX, the appraisal report finally came. Today, it's XX/XX/2021, and Bank of America still has me stuck in underwriting for the question I answered over 3 three times already with a letter. They also had a third party call me about the same questions to verify 3 of my accounts. I just found out yesterday night, XX/XX/2021, from my real estate agent the owners don't want to sign a second contract extension my agent gave me to sign on XX/XX/2021, because they got tired of wait on me because of Bank of America taking to long to get everything done with their underwriters.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXX and XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (KY)

I bought a new car from XXXX XXXX in XXXX Kentucky on the date of XX/XX/XXXX. It is XX/XX/XXXX and as I was reviewing my statements, I found out the interest charged for the first payment was out of line with other months so I went on to create amortization schedule and verify if I was paying the correct interest and principal. 

I used the unpaid principal balance, numbers of period, and the interest rate on the installment sales contract to calculate the monthly payment that I should pay, as it turned out, I've been paying a higher amount than I should. Although the difference in payment is immaterial for the amortization term, I would still like to notify the company of this error and get it corrected. 

I called Honda Financial Services and explained the situation but they said I would have to talk to the dealer about it. Then I called XXXX XXXX and talked to a guy about the issue at the finance department. He looked into the issue and he told me the difference in the payment on my bill and the payment I calculated came from the extra days of accrued interest that added to the unpaid principal balance before I made the first installment. I was confused and it doesn't seem like he was really trying to help as he kept telling me I need to talk to XXXX XXXX as this is an interest rate question. I thought the conversation was going nowhere and I ended the talk. 

So my loan amount is {$19000.00}, amortize for 72 months at 1.9 %. I calculated the monthly payment amount to be {$280.00}, however I am paying {$280.00}. To back out the present value of the unpaid principal using {$280.00}, I get {$19000.00}, a {$15.00} difference in unpaid principal balance, I don't know where it came from and the dealership doesn't have an answer for me.
Consumer complaint received 2024-02-20
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. (DE)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2024-02-20
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. (TX)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-07-09
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. (PA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (CO)

Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.
Consumer complaint received 2021-09-10
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. (FL)

Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.
Consumer complaint received 2018-06-06
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00},XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXXl, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (NY)

While reviewing my XXXX, XXXX & XXXX credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested XXXX XXXX XXXX XXXX XXXX that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. 
Nonetheless, XXXX XXXX XXXX continues to disregard my request in clear violation of XXXX ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. 
I have maintained that XXXX must validate the DEBT under XXXX and conduct a through investigation demonstrating with preponderance of evidence that this debt belongs to me and provide me with copies of all verifiable evidence of my culpability to this debt.Absent being in compliance of the law, XXXX, action constitutes gross negligence and need to resolve the matter timely to avoid further unreasonable irreparable pains and sufferings. 
For the records, the account in question is SYNCB/TJX CO PLCC # XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My long standing account with XXXX is not being reported on my transunion and XXXX consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.
Consumer complaint received 2018-06-06
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. (AZ)

I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, {$150.00},XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.