davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (NY)

Been in a battle for years for a student lostudent loan I never took, in an educational institute accused of fraud in court and later closed. I had sent documents, lawyer letters, but always denied. They only have a pc of paper with my supposed signature.Ask them to take me to court. They never did, but every year they contact me reclaiming the loan money.
Consumer complaint received 2022-02-08
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. (PA)

I have been working on my credit to obtain a mortgage for the past year. After pulling all three reports for XX/XX/2022 there were no collection items on my report after requesting that these items be removed from the collection agency after paying the collection bring the debt owed to 0. I made sure to check updated reports and there was no collection on XXXX transunion and XXXX. Under the fair credit law ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Today I attempted to get approved for a mortgage and the company pulled my credit and the XXXX  XXXX XXXX paid two years ago and XXXX XXXX XXXX paid two years was removed from all three but not the mortgage. As a result of this unfair reporting my credit score has been damage and unable to get a mortgage as a minority first time home owner.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me
Consumer complaint received 2016-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (WI)

Some one call on phone a lot my phone number and from variety phone numbers and give message on my answer machine and person want me know debt collect and give me website www.americacollectpay.com. I call on phone this phone number and from person I tell in here and XXXX XXXX and ring and later nothing on phone
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In my consumer report I have XXXX  reporting an account, I sent them an opt out letter and they confirm that they will not be sharing my nonpublic personal information anymore.
Consumer complaint received 2015-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Diaz & Associates, Inc. (TX)

Diaz and Associates, Inc called to my work and spoke to my imediate supervior saying that they needed to get in touch with me that I was being sued. I have n't recieved any calls from them to my personal phone so I do n't think its correct for them to be harrasing me at work.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2016-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (TX)

Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (NY)

I found a XXXX account reported by RCVL PER MNG collection agency ( XXXX ) on my credit report. I sent two verification letters XX/XX/XXXX and XXXX and I have n't received response yet. 
I would like to have a verification letter about this debt. I want to resolve this account. 
XXXX Balance : {$3700.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX and Equifax are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX, I received a text message from Bank of America ( henceforth BoA ) asking if a few suspicious transactions were legitimate. I immediately responded " NO '' as directed. Immediately afterwards called BoA to cancel the card, where I was told that the card was cancelled. 

In actuality, they never cancelled the card, and the thief went on to continue using the card, withdrawing XXXX dollars. I have been back and forth with BoA three or four times, and each time they say they will re-open the claim, and every time they say it was not their fault and re-close the claim. 

Again, I flagged these transactions and called to cancel the card and got confirmation that it was cancelled, and they never actually did! MOST of the theft occurred AFTER I called BoA to confirm the fraud and cancel the card. 

At this point, I am out over $ XXXX, and they keep giving me the run around. How can Bank of America act like this? They flagged the transactions to me in the first place and I called in to cancel the card! This is entirely their fault, and it has put me in a serious pinch.
Consumer complaint received 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

went into Citibank XXXX XXXX XXXX, XXXX fl XXXX phone XXXX,, to open an account for XXXX dollars to earn XXXX additional dollars within a 4 month period. saw personal banker XXXX XXXX and she set up account, stated I was there for promo, she also introduced me to manager. before I left her to give XXXX dollars to teller, again stated I would receive promo of the XXXX dollars within 4 months of deposit ( XXXX XXXX 2016 ), called a month ago Citibank they told me beginning XXXX XXXX, would be in account, called 8 days ago they said I was n't able to get XXXX dollars, because I did n't open account properly ( both banker and manager are lying if they say otherwise. THEY SAY I DIDNT COMPLY WITH CODE XXXX, if I did n't its the bankers fault not mine,
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the account.
Consumer complaint received 2016-07-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Houston Finance Co. (TX)

Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.
Consumer complaint received 2022-02-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group (MI)

I received a debt collection letter dated XX/XX/2022 from Ascendium stating that I was delinquent on my XXXX student loan. I checked all my loans on studentaid.gov and I am not delinquent on any of the loans. I called ascendium to ask for verification of the debt. The letter itself includes a debt collection notice that states in part " if you tell us you dispute some or all of your balance within 30 days of receiving this letter, we will send you information verifying a portion you dispute. '' However, the agent I spoke to claimed that ascendium can not verify this debt, and that despite receiving a debt collection letter from ascendium I have to verify my debt with XXXX. However, I have not received a letter from XXXX and only have an ascendium reference number. Instead of agreeing to send me verification of the debt as the letter states they would, the agent also tried to shuffle me towards programs to get caught up on my loan, which is not my issue here. I felt pressured to enter a repayment program for a debt that I can not verify, even after I explicitly asked the agent to send verification of the debt.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Hello, I am a client of the Master card that XXXX offered me through Citibank, since XX/XX/XXXX an amount of {$950.00} dollars appeared on my invoice, I called to report that I was not responsible, I received after so many calls claiming I received this check send them my driver 's license to verify that it is not my signature and they have not solved anything yet, please ask for help in this matter I also see strange movements that have been charged without justification, if they see now they are {$950.00} the charge of the check, and I ask why it now adds {$4.00} more and they do not give an answer, Here I include the Check, the statement that appears {$950.00}, my license as proof that it is not my signature. 
The account number is XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Thank you!!!
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Southwest Credit Systems, L.P. (LA)

I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.
Consumer complaint received 2023-03-17
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX  XXXX Balance : {$440.00}
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collections U.S.A., L.L.C. (WV)

I have made several attempts via USPS, for Consumer Collection USA to provide evidence that the account belongs to me. Requested that they show proof of signature or any Contractual obligation to Pay  this company, to wit they have not responded to either letter I have sent. The first letter was sent on XX/XX/20 and was received by receptionist XX/XX/20 at approx. XXXX. The second letter was sent on XX/XX/20 and was received by receptionist on XX/XX/20 at approx. XXXX.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Awhile back I believe I talked to Trans Union or one of those credit companies because I saw a huge drop in my credit score. I received my entire report over mail and then I noticed everything was in good standing. Could you please tell me why my credit score dropped? 
" 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. '' This is what XXXX XXXX told me is one reason why my score is not good. Along with that I keep opening new accounts rather than stay with one company. I do not like that. I like having no APR for a year and I think I should not be penalized for opening new accounts with different banks when I pay them back.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I purchased a pair of shoes from Macy 's in XXXX. They did not have the shoes in stock so they were having them sent from the XXXX store. 
The XXXX store called me a week or so later saying they had made a mistake and did not send the shoes. They were no longer in stock and they would credit my account. 
They did not and I have contacted Macy 's XXXX XXXX by detailed letter. I then recieved a response from Macy 's Biling Adjustments saying the shoes were sent and received and they have considered the matter resolved and closed their investigation.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove these fraudulent accounts : 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 2023-03-17
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

My minor daughter XXXX was seen by the doctor. The doctors office took our insurance information and at the time we had XXXX. Despite having XXXX, we still received a bill. The bill has now gone to collections and is on my credit report.