davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Justice Finance Company (TX)

Justice Finance located in XXXX, Texas. Called me Multiple times at day at work for weeks straight after being told multiple times that I could not receive personal calls at work. XXXX told my manager, and family members other than my spouse about my debt. She threatened to sue me and have me arrested as well.
Consumer complaint received 2023-04-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$5200.00}.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Managed Recovery Systems, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MANAGED RECOVERY ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IA)

This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. 

The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. 
I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. 

They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Western-Shamrock Corporation (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about Western Shamrock has been diligently neglected by 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Account was originally being reported as being added to chapter XXXX bankruptcy ... Account is now being reported as charged off with several inaccurate late payments ... .would like account to be removed from credit file or report as it was once before included in chapter XXXX bankruptcy ....
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

WORLD FINANCE CORPORAT is currently showing 30 days late for the month of XX/XX/XXXX and 90 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Experian, XXXX and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted Experian, XXXX and XXXX  to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX Experian, XXXX and XXXX  Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX  ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased Experian Memeber # XXXX and XXXX  's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2018 This company portfolio Recovery sent a letter to my Present address saying that I owe a debt to this company. I never heard of them until I googled them and seen all the bad reviews. I never had No Credit Card with XXXX XXXX.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress.  For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (VA)

I am filing this complain against BMO Harris Bank. I had a home mortgage with BMO Harris Bank that was paid off and closed in XXXX XXXX. I had a left over escrow money for about {$900.00} XXXX a little over {$900.00} ) after the payoff that was supposed to be refunded to me. They initially sent a check to a wrong address and the check was returned back to them. Since then I am unable to get my money from them. I have made neumorus phone calls to the back asking for money since XX/XX/2018 and still did not get it. Every time I called, I was told that they will mail me a form that needs to be notorized and sent back to them so that they can re-issue the check, but they never send the form. I have called them repeatedly in the last 2.5 years trying to get my money and they would not give it to me. So now I am filing this complaint against the bank so that I can get my money back. 
It has been two and a half years of repeatedly calling the bank and requesting my money, but they would not give it me. 
This bank has a very poor customer service. Rude and helpless representatives. Very long call wait time ( more than 30 minutes ) with no option for recieving a call back. Their mobile app doesn't work properly and most of it's functions do not function. 
It has been a long 2.5 years with them trying to get a hold of my money and still unable to
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV XXXX  Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

My monthly payment for my XXXX Store card was due yesterday on Sunday, XX/XX/2018, and so I went to my local XXXX 's store and made a payment in-store using my debit ( ATM ) card. These payments are supposed to process quickly, and the receipt provided includes the following statement : " Payments made today will be credited as of today. '' And indeed, my bank account is showing that the {$50.00} payment was withdrawn and posted from my bank account the same day - XX/XX/18. However, today, more than 24 hours after the payment, my online XXXX 's account does not show any payment but instead, under " recent activity '' its shows a late fee that was charged on XX/XX/18, indicating non-payment. There is no record of my payment made yesterday. Where did my money go? What this suggests is that XXXX had already pre-coded my account for a late fee before the due date, and so there was no way to avoid a late fee even when I paid on time. This is not right. I contacted XXXX Card customer service by phone and the agent told me that she " couldn't answer questions '' about this issue. I asked to speak with her supervisor, and 40 minutes later, a supervisor came online who told me that the message printed on the receipt was not in fact true - that payments day 1-2 days to post and during this time, they can charge late fees.This doesn't line with up with their payment policies however.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXt # XXXX, XXXX and XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, 15 U.S.C. 1681 SECTION 602 SECT A : 4 states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

This debt collector has been reporting negative and inaccurate information that's hurting my credit and will like for you to investigate this account. I understand I underwent XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated credit report
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

I have 2 closed cases in which the bank resolved the complaint then resubmitted the charges. On the second complaint they said they did an investigation which is a FLAT OUT LIE. I have written letters from XXXX that I did not make the purchases I am disputing. I also have a letter from XXXX that states that they did not contact them about my dispute. I have filled a complaint with the FBI internet fraud dept. I have contacted every senator that oversees the Banking system. I am filing a formal fraud case with my local police dept. I want both of these cases REOPENED and a FORMAL INVESAGATION as to how this bank can OUTRIGHT STEAL for consumers. I have all the paperwork in writing documenting my claims.
Consumer complaint received 2021-11-06
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: Phoenix Financial Services LLC (NC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

It has been 3 weeks and the problem still has not been fixed by Coinbase. I can not access my account and lost a lot of money due to Coinbase delays in resolving the issue! They have emailed me twice with the same information and instructions that they repeat over and over. The steps they are asking me to do have been competed numerous times. They do not give me anything new, other than sending the same script emails.
Consumer complaint received 2024-02-27
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)

I contacted EQUIFAX and XXXX months ago about being a victim of identity theft. I found out months ago about collection accounts in my named. I did not authorize or approve anyone to open any accounts in my name. I was advised by a customer service representative from both bureaus to get a police report for removal. I provided my approved police report with supporting documents and my ID immediately to both credit bureaus. Equifax added more collections to my credit file, dropped my scores and refused to delete or block all fraudulent accounts. XXXX is refusing to block all fraudulent accounts or delete. I provided everything both companies ask for and both are still giving me a hard time after both companies assured me all fraudulent accounts will be deleted once I get an approval from the local authorities.
Consumer complaint received 2022-08-09
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: I.C. System, Inc. (IN)

I have a collection on my credit report that has been open for almost 4 years by XXXX XXXX for {$360.00}. I believe my identity may have been used to open this account and I have no knowledge of this account but it seems impossible to remove from my credit report
Consumer complaint received 2020-01-22
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 (MI)

They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXXI have submitted 2 requests now to consumerfinance.gov.
Consumer complaint received 2020-01-22
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. (MO)

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (FL)

SUNRISE CREDIT SERVICE has flagged your account as Collections on XXXX XXXX, 2022. 

Source : XXXX XXXX : SUNRISE CREDIT SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX XXXX, XXXX  Balance : {$5200.00} They contacted via phone in XXXX and I told them this was included the original debt in bankruptcy gave case number and never heard from them again and now its showing on my credit as a collections. I have the bankruptcy paperwork and gave that to them and have disputed this with all 3 credit agencys and it is now on my credit and is hurting my score and livelihood. This is not a valid debt it was in XXXX XXXX XXXX