davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc. (CA)

Company ... IC SYSTEM INNACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015. They VIOLATED my FCRA rights. This account was part of a Chapter XXXX Bankruptcy and THE OTHER VIOLATION OF MY RIGHTS is that THEY NEVER informed me of the new reporting. It is ILLEGAL for IC SYSTEMS to report to XXXX XXXX on an old account over XXXX years ago as a new account and it was a BK involvement.
Consumer complaint received 2022-09-07
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: CBC Companies, Inc. (PA)

I'm a natural person. XXXX continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Accounts : 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 2024-02-16
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)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PNC Bank N.A. (IN)

My PNC XXXX XXXX card was closed without my consent. They stated my account was under review. I can not access any of my funds for bills and upcoming rent payments. I can not review my transaction history or Balance. They stated there is no time frame on when the review will be complete. It is really an inconvenience for me. They stated an ach payment had the wrong titling information but all my deposits Ive received were correct. I had an ach payment for a loan that I received back in XXXX and they are just now reporting this issue this month. It was strange how I called in because a transaction was declined and I called to see why and the lady had me on hold for over 10 minutes. She finally got on the line and stated I reached my daily spending limit and not 30 min later my account was closed and under review smh. I have all of the information I need to show that all the money In my account belongs to me. Loan documents etc. Each representative doesn't know why there is no time frame on this review and I was told I had to go into the bank so they can call an internal review line and when I did go into the bank the rep called and the lady stated all the money in my account was under review and I could not access it under the review was complete. I need this process to be completed as soon as possible. It is really XXXX to just flag my account for no reason.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (FL)

I get 5-7 calls a day and they start anywhere from XXXX to XXXX all the way to last call being a little after or before XXXX. This is getting out of hand and I ca n't take it anymore. The harrasment is insane. They have said everything to me. That I need to pay " or else ''. I need to pay because " I need to understand what it is ''. I do not know who hires these people but they are so rude and keep threatnening me verbally. Now, they are calling with a BLOCKED NUMBER! So I do not know who it is that is calling me. Getting completely out of hand so I am reaching to know what to do.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (TX)

I have been put on probation at work for the continuous calls. I work for a call center and they 're constantly calling the call center getting transferred to rep to rep, looking for me which management has asked them to stop, they continue. If I lose my job because of this I want to take further action against them. Calling my cell phone is okay but harassing me at work is not.
Consumer complaint received 2022-08-09
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 — Their investigation did not fix an error on your report
Company: Global Lending Services LLC (FL)

I sent a dispute through XXXX XXXX and XXXX to remove my auto loan Global Lending Service and even though its paid off they didnt remove it.
Consumer complaint received 2016-05-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants Adjustment Service, Inc. (AL)

Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor, so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and, judging from MAS ' reporting method, it has no idea whether the information is accurate or not. Just an MAS employee trying to make a quota to my detriment.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

THIS IS FINAL NOTICE FROM ME! 

I want to complain about false statement of debt, reported by Enhanced Recovery Company , LLC ( ERC. ) I complained already with same issue and finally verified the debt ( reported by ERC ) that it is not mine. I received the XXXX bill from ERC on XX/XX/XXXX and I verified that the debt was not mine. The name on the bill was not my name, the address on the bill was not my address ( never lived there ) and NOTHING WAS MINE! But ERC reported the debt to my credit report for a long time and my credit has been messed up, this is absolutely not acceptable and must be corrected and compensated ASAP. I attached the bill from ERC here and other support documents for your reference. See the attached files. Again, my name is not XXXX XXXX and I never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and I lived in XXXX XXXX in XX/XX/XXXX which showed billing period. 

Since the debt does not belong to me, I requested to ERC to get rid of it ASAP, but I have not heard/received anything from ERC. So, this is my final notice to ERC to get rid of the false debt from all XXXX credit bureaus right now and send me the confirmation letter by mail to the address ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) in XXXX business days from now. If I do n't here anything from you, I will absolutely bring a lawsuit right away.
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

LoanDepot assumed our mortgage in XXXX without disclosing that extra flood insurance would be required. Our HOA has a flood insurance policy. They started notifying us in XXXX with generic Robocalls and then sent mail correspondence originally asking for the flood insurance policy certificate which was sent to them. Then in XXXX they started threatening us that if we didn't purchase flood insurance, they would purchase the policy and charge us extra each month. When I asked them how much was needed, they said I would have to speak to their insurance department. When I called their insurance department, they said they couldn't speak to me because I wasn't an insurance agent. They never provided the amount of flood insurance I needed and they never told me how much it would cost. I spent an extensive number of hours talking with numerous representatives and Supervisors in Customer Service trying to obtain more information for which all provided contradictory and constantly changing information. Even though the last person I spoke with, a Supervisor, told me that it looked like we could pay down the loan to offset the need for additional flood insurance but he would have to call me back to confirm. I never received a follow-up phone call and we received an email on XX/XX/XXXX letting us know that they purchased flood insurance without our approval while we were in the process of trying to resolve the issue. It was confirmed that they actually did this on XX/XX/XXXX yet no one told me this during the many conversations I had with multiple representatives after that date. One representative even told us that we would receive a final notice letter in XXXX and then we would have 30 days to rectify the problem, but that was also more erroneous information on top of other erroneous information.
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: SECURITY CREDIT SYSTEMS INC (IL)

I received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank reported the wrong amount owed on my mortgage, of {$260000.00} approx. then a few months later the reported the correct amount of XXXX approx. which dropped my scores by XXXXpoints. They did a modification on my mortgage and I am only paying interest on XXXX.
Consumer complaint received 2015-10-26
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Eltman Law, P.C. (PA)

I received correspondence from Eltman Law PC on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. Eltman law is trying to collect on an invalid debt by representing and threatening to take legal action on the case.
Consumer complaint received 2022-02-16
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. (CA)

Hi, my name is XXXX XXXX. On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services (WA)

On XX/XX/XXXX I asked for both a security freeze to be placed and also a request for my full credit report disclosures, as i have read before this company seldomly likes to comly with FCRA guidlines, so i no ask the CFPB to help resolve this matter.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (WI)

XXXX XXXX 2017 I was threatened with contempt by XXXX XXXX XXXX XXXX 2017 I was served with a Garnishment and Demand for personal Information From XXXX XXXX XXXX to My employer XXXX XXXX XXXX  XXXX XXXX  Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied XXXX XXXX XXXX XXXX XXXX  Demands admission From My employer and threatens Litigation
Consumer complaint received 2016-08-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: KEYCORP (IN)

Key Bank reported forgiveness of student loans to me as cosigner, which would be reported as my income to the IRS on Form XXXX. This process is a duplicate of the same forgiveness in 2011 for which I have the Form XXXX reported then.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. 

My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (IL)

My account with XXXX XXXX has been paid as of XX/XX/2024 and I would like it removed from all credit bureaus its currently showing as a closed account. Confirmation code is included in document.
Consumer complaint received 2023-04-17
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (VA)

I have a MasterCard issued by Comenity Capital Bank. My interactions via their " Secure Message Center '' are anything but. Their Fraud Department seems susceptible to " man in the middle '' attacks, i.e., their responses do not seem to directly relate to my questions and, moreover, their security verification queries seem like phishing attempts.
Consumer complaint received 2020-05-27
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (GA)

On XXXX XXXX, I made the horrible decision to have a one time visit for a fully covered annual well visit with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX which was an unpleasant experience. This was my one and only visit in XXXX due to Covid-19. However, XX/XX/XXXX, a collection randomly popped up on my credit reports with an original creditor of XXXX XXXX XXXX in which I have never received any bills or communication from nor have I even had a visit with furthermore for XXXX. I have XXXX XXXX account in which I have only received statements for a XXXX balance for the one visit I had which has been paid. This company placed a XXXX balance that they never made me aware of nor provided an opportunity to dispute or pay but just placed in collections which is not acceptable. To date, I have not received any notification from XXXX indicating a {$52.00} balance, any statement or communication in the mail from the original creditor or agency they placed the alleged balance with that it exists outside of placing it on my credit reports.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NY)

Received fro  m ERC a settlement opportunity on   XXXX   XXXX  , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time.
4. This information erroneously appears on all (   XXXX   ) credit reporting agencies and I have asked   XXXX   to dispute such claims with no response from ERC.
5. As such, all such information should be deleted from all (   XXXX   ) credit reporting agencies.
  XXXX   XXXX