davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, REPORTED AS FRAUDULENT XXXX, Remarks Account information disputed by consumer, meets FCRA requirements account status open, NOT CHANGED. 
XXXX. XXXX XXXX XXXX, original creditor XXXX XXXX XXXX, XXXX XXXX XXXX, REPORTED AS FRAUDULENT XXXX, Remarks Account information disputed by consumer, meets FCRA requirements, NOT CHANGED. 
XXXX. XXXX XXXX XXXX closed XX/XX/XXXX, REPORTED AS FRAUDULENT, Remarks Charged off as bad debt Profit and loss write-off CLOSED. 
XXXX. XXXX XXXX - XXXX, closed XX/XX/XXXX, REPORTED AS FRAUDULENT, Remarks Collection Account Account information disputed by consumer, meets FCRA requirements, CLOSED. 
XXXX. XXXX XXXX XXXX XXXX reported XX/XX/XXXX Remarks Paid off 100 % of loan, CLOSED ( not removed ) XXXX. XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX, Remarks Paid off 100 % of loan, CLOSED ( not removed ) XXXX. XXXX XXXX XXXX reported XX/XX/XXXX, Remarks Paid off 100 % of loan, Account paid from collateral CLOSED ( not removed ). 

INQUIRIES : FEB/DESTINY Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-11-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I am responding to your contact about collecting a debt. I have been receiving mails from MIDLAND FUNDING LLC to collect debt of an amount of {$710.00} and identify the debt as from XXXX. 
However, the information provided in the letter is grossly inaccurate. 

I vividly remember acquiring the XXXX debt in 2012, but that debt has been closed according to my credit report at the time. Furthermore, I am not aware of any purchase of that amount as I have never purchase anything over the amount of {$400.00} on credit, except for cars or housing. This collection on my credit report has significantly lowered my score
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

Im not trying to provide a sob story but over the last past year I have been unable to gain housing due to this account. Today ( XX/XX/XXXX ) I talked to a Procollet Rep and I felt as if I was being bullied into making a payment. If I cant make a payment of {$890.00} on XX/XX/XXXX how can you expect me to make a payment of {$17000.00} on XX/XX/XXXX or XX/XX/XXXX? Overall Procollect today ( XX/XX/XXXX ) has basically refused to give me a payment arrangement therefore Procollect is refusing payment I wanted to make towards the account today. The Procollet Rep didnt try to provide and help or resources and basically didnt care, he just wanted a payment in full! 
I called Procollect on XX/XX/XXXX at XXXX regarding an outstanding account. I talked to XXXX XXXX and explained to him that on XX/XX/XXXX I was to pay a settlement offer ( {$890.00} ) which was, and courtesy offer they were offering for 30 days, that was half of my outstanding balance. What was explained to me that if the balance ( the settlement offer ) was not paid in full it would revert to the outstanding balance ( {$1700.00} ). However, due to illness ( XXXX ) I was unable to work, and I was calling to make a pay arrangement and make my first payment for the account. XXXX XXXX stated that he would cancel the XX/XX/XXXX payment because it would not go thru and then asked how would I like to pay the full payment of {$1700.00} today. I again stated to XXXX XXXX that, Im calling to make payment arrangements., XXXX XXXX replied, that Im refusing to pay. I asked XXXX XXXX how am I refusing to pay if Im calling to make payment arrangements? XXXX XXXX stated that I had no pay arrangement options and full payment is due now or by XX/XX/XXXX.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit major bureau about the unverified account : XXXX XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days which is a violation of the FCRA. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2017-11-11
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: EQUIFAX, INC. (CA)

From Equifax credit report :XX/XX/XXXX : XXXX XXXX shows an account status/type of Credit Card with a balance of USD {$1800.00} XX/XX/XXXX : XXXX XXXX shown an account/status type of " Amount in h/c column is credit limit '' of USD XXXX.
Consumer complaint received 2017-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (GA)

As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MI)

XXXX XXXX alleges that I signed up for classes with their institution. This could not be further from the truth. I have never been to their website until recently, when Ability Recovery Services , LLC stated that I owed XXXX XXXX an alleged debt of {$1600.00}. I disputed this fraudulent debt with XXXX XXXX and Ability Recovery Services, only to be provided with documents purporting that I signed up. However, I filed all the required and necessary affidavit and reports to show that this is and was a fraudulent account. 

Nevertheless, XXXX XXXX is still, by and through ability, attempting to collect on this fraudulent debt. Moreover, they are using a company that is not registered in the State of Michigan as required. Ability Recovery Services , LLC ( a Pennsylvania LLC ), doing business in Michigan, is attempting to collect on an alleged debt, which I have clearly stated is a fraudulent debt. Ability, through the XXXX  in PA, sent me multiple documents from XXXX XXXX to validate the debt, but, as I stated, it is not my debt and I have filled out all the required paperwork, affidavits and reports. They are also reporting the fraudulent debt to my credit reports, which has caused my score to drop. They have multiple addresses listed, which I have attempted to send certified mail to their address with the PA Secretary of State, but they have been returned. Ability lists three physical addresses. 

XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Ability Recovery Services , LLC is not registered with the State of Michigan to conduct business here. I am not saying that they need to be a licensed collection agency, but they do need to be registered with the state in order to transact business here, and they have not. Their website clearly states that they collect in all 50 states, and further claim that they are bonded and insured nationwide. They have never filed for an Application for Certificate of Authority to Transact Business in Michigan, they have no Registered Agent in Michigan, and yet they continue to flaunt the laws of this state and the State of Pennsylvania. 

Their illegal business practices need to be investigated at once, so more Michiganders are not put in the situation of dealing with such an unscrupulous company, who willingly, willfully and knowingly violates numerous Federal and State Statutes.
Consumer complaint received 2017-11-11
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)

I 'm writing this grievance in regards to XXXX Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
Consumer complaint received 2019-05-11
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. (SC)

Im a victim of fraud. I have contacted Experian numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to XXXX, XXXX, and Experian. In XXXX of this year, both companies XXXX and XXXX. have proofed these was fraud and removed the fraudulent items. The 4 companies that are fraudulent are : 1. )   XXXX XXXX XXXX XXXX Balance {$1000.00} Credit Limit - Usage - Type INSTALLMENT Status Negative Opened On Invalid dat 2. ) XXXX/XXXX  : Balance : {$620.00} Credit Limit : {$370.00} Type : REVOLVING 3. ) XXXXXXXX XXXX   XXXX : Balance : {$30000.00} Credit Limit - Usage - Type REAL ESTATE 4. ) Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date Invalid date Balance {$780.00} Debt - Contact Information XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX Fraud Alert Also, on my fraud alert please add the phone XXXX for contact. 
Personal Statement ( s ) XXXX & XXXX-18 XXXX ID FRAUD VICTIM 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 CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-18.
Consumer complaint received 2017-11-11
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. (TX)

I have been reaching out to the Bureau to remove this issue on my credit report sinceXX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

Collection Agency - CCS COLLECTIONS Original Creditor Name - XXXX XXXX XXXX ( Auto Insurance ). 
Date - XX/XX/year> Amount - {$170.00}. 

Sub : XXXX CCS collection reporting from my credit reporting. 

XXXX XXXX XXXX  agent offered me auto insurance for {$720.00} for 6 months contract. I signed up for that and paid in full when I bought the insurance. But online was not reflecting the same and the insurance agent assured me that it will be removed and she is working with the technical team. Insurance agent was in contact with me until XXXX month, of 6 months contract, saying that the amount {$170.00} will be removed. If I was told to pay the amount during the first or second month of the contract, I would have paid or would have moved to a different auto insurance. Its because of the XXXX insurance agent I am into all this mess. 

I got into a lot of stress and finally paid the due amount of {$170.00} through collection ( Credit Collection Services ). My credit score was impacted badly. It went from XXXX to XXXX. 

I have maintained good credit for the last 15 years and this is the first and only incident got my score to XXXX. Now because of this incident I couldn't buy a home. No lender is willing to give me a jumbo loan. 

I reached out XXXX and they said they can not remove until it comes from CCS collection.. I reached out CCS collection and they said, they can not remove until it comes from XXXX XXXX.. I got the auto insurance thru XXXX XXXX insurance agent and she was willing to help me and when she reached out to CCS collection, they said they are not corporate and they can not take her words to remove it, but I got the insurance from XXXX I was not able to reach out to XXXX corporate as they direct me to CCS collections. 
I told CCS collections that I would like to dispute this account with XXXX and I would like to hear from XXXX as why they can not remove, as it is because of their insurance agent I am into all this mess.. I have shared all the email conversation I had with insurance agent to CCS collection and they have received that document and they have sent to XXXX XXXX XXXX corporate as well. I didn't get a response from CCS collection as, what XXXX XXXX  responded to them. They just say that they can not go with email conversation as a document to remove the collection from my account. 

Attached email conversation I had with the XXXX XXXX insurance agent. 

Please do the needful.. 

Thanks XXXX XXXX
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2017-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

SElect Portfolio Servicing has posted the notice of foreclosure and will be held for sale on XXXX/XXXX/XXXX. I called and spoke to the loss mitigation dept to apply for a modification of my XXXX interest only mtg I have paid for 10 years and they claim Im to late to modify my home loan. Their policy states that this must be done 37 days before the date of the sale. This is not what my attorney says nor the State of  Michigan laws, I have to file for this before the sale date of XXXX/XXXX/XXXX. The person at select portfolio servicing says I can only pay in full or get up to XXXX cash for keys. They refuse to help me. My husband has not been able to work much due to a back injury and XXXX XXXX. 
The mortgage company sent me an appraisal of a value of XXXX. I owe XXXX. This home never regained equity. I had to file XXXX in XXXX due to the economy and the career I had. I worked for a Builder for 10 years and my income was XXXX per year, lost my job due to the builder losing everything. However I did go back to work at my old place of employment. My income dropped from the XXXX to XXXX. I have done the best I can to keep my home. 
I have been turned down twice for a modification in the past. They say I dont qualify. This is not a XXXX  XXXX or XXXX XXXX loan. 
I am being refused the option to modify my mortgage.
Consumer complaint received 2017-11-11
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. (DC)

Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

Again this nightmare with Citigroup!!! A year ago I am dealing with this stressful situation with this Company! and now they are reporting me with two different collection agencies at the SAME TIME!!! 
I called both and they reject the account because they can see this is crazy! 
One of the agent told me, they can not report me with two agencies at the same time!
Now they have a new one!!! the third agency involved and I contacted the President of Citigroup but NOT cares about this!
The same CLOWN than year ago, was ACTING to help me, when the company close my account because the lady did n't like and do n't understand my accent! 
Sent me a letter again, then a new agency is contact me about some amount I DO NOT own Citigroup! 
It is NOT my fault if employees from this big MONSTER company like Citigroup, do n't have track of customers information, and they are giving the wrong information over the phone! 
Here I am attaching the last letter, I sent again to the President, following recommendations of the agent, in one of the agencies they reported me. 
You can see too, the anwser of XXXX XXXX XXXX and copies of three different agencies I have been report in one year but NOT succes, from XXXX XXXX who is crazy about to make me pay some amount, I DO NOT OWN. 
Please any question, feel free to contac me @ XXXX or XXXXXXXXXXXX. 
Thanks a lot, XXXX XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

When I log into my Experian account and request my report there are tons of credit files missing off of my report. They were told XXXX  times now about that information. They claim they can not honor my request. Um, it's my XXXX ' credit file and I have a right to it! 

When I call customer service to request an XXXX adjustment they must have complete XXXX working for them. I can not see my full report. Tons of information is missing. No potential lender can either. But the customer service reps can see my entire report. 

That is an XXXX issue on their end. Not mine. They are causing me financial distress and destruction by not accurately providing information that I legally have a right to. They are violating my civil and constitutional rights. They are also causing high interest rates and inflated payments on current credit accounts because they have yet to fix something that has been requested since last year. In XXXX, XXXX, and XXXX it was all there. Now, all of the sudden it has disappeared. 

This is intentional. And they need to fix it!
Consumer complaint received 2017-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I have a bank account with JP Morgan Chase from which I sent a wire transfer to my aunt in XXXX XXXX of {XXXX}, this was on XXXX and was waiting at least a couple of days for the transfer to her, little did I realize when I tried to login to my account later on that Chase places a block on my account granted that I satisfied all the security measures online and verified the funds transfer. While attempting to login I thought I had my password wrong so I tried to reset it and that is when i found out that my account was blocked online so called Chase and after verifying all sorts of personal information over the phone and verifying to them that this transfer was made by me personally online htey transfered me to a security specialist as they stated to help me get access to my account online all I enocuntered was rejections to help me over the phone, the individual told me that I would have to go in person to the bank wich was not possible for me due to my work schedule, also the nearest bank to me is 6 - 7 miles from my home and I do n't have time during the week the only day I could go in person is on XXXX and I explaied to him the reason for the wire transfer as a humanitarian attemtp to help my aunt in P.R. not some third world county around the world. I hung up because I was not going anywhere with the guy, I called a few hours later when I got home just to have another session of security questions and meet with the same reuslt which also meant me that I ca n't access my account or my funds untill I go to a branch, today XXXX I went to the branch on XXXX XXXX in from of XXXX and found ot the bank is closed due to the holiday on XXXX which means that if I ca n't go to a branch untill I have the time to do so on XXXX this is going to put me two weeks without access to the account and the {XXXX} that I sent to my aunt in P.R. never went thorugh either.