davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

On XX/XX/2019, I received a letter from Midland Credit Management , Inc . I almost threw the letter away because of the way it was sealed in two envelopes with no address on the outside of either. When I opened the letter I was amazed and shocked. Midland had purchased a debt from XXXX XXXX. I have never heard of Midland or this bank. This is the first documentation I have ever received from either of them. I noticed the wrong address on the envelope and had seen that address before on one of my credit reports and so I called them. Midland had requested a copy of my report. I have never had any indebtedness with anyone. I decided that my name had been compromised and went to work on " Identity Theft ''. I did find out that this debt company is not accredited and has the lowest of satisfaction " 1 '', the lowest you can go. Consumer affairs has given them an unaccredited brand. I was advised to call Midland, and against my better judgment I did call them and spoke to the rudest, unprofessional person named " XXXX ''. She very loudly started mumbling and I asked her to slow down, I could not understand a word she was saying. She would not. I was trying to tell her that I was questioning the bill sent to me. She did not seem to care and kept mumbling. I hung up the phone. I have started the process of calling difference agencies to protect myself. I have lived in the same house for years and have never had an overdue debt of any kind nor have I received any documentation of indebtedness from anyone. I am not and have never been, past due anywhere. I have excellent credit and do not want this company attacking or putting judgment on my credit rating. Is this FRAUD? A SCAM? I think so.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

I contacted Equifax on Tuesday, XX/XX/2019. I wanted to make sure that my account had no freezes or security blocks to access. 

I was appalled to find out that Equifax uses a XXXX call center and requires me to supply confidential information to a 3rd world employee. Under no circumstances do I want someone to have my social security number, birth date and address information unless they are bonded and verified as safe. 

I do not trust the veracity of 3rd world support staff and the hiring processes involved in engaging them as employees. This practice should be banned for American credit evaluation service providers.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

XXXX {$9600.00} incorrect balance- Balance is Zero XXXX {$3400.00} incorrect balance-Balance is Zero XXXX {$5500.00} incorrect balance- Balance is zero The cards listed above have been paid and remain showing balances. I have contacted the credit company handling it which are all Citibank. They have acknowledge that they are paid in full and will not change that shows I owe them a balance. These accounts have no balance owed.
Consumer complaint received 2019-03-05
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. (OH)

I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX/XXXX XXXX  # XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX # XXXX, XXXX   XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX , XXXX & XXXX # XXXX , XXXX # XXXX, XXXX XXXX XXXX I am not sure who is using my name I use to live in XXXX I now live back to XXXX.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Duvera Billing Services, LLC (NV)

OnXX/XX/XXXX at XXXX XXXX I made a one time {$200.00} payment with XXXX XXXX, debit card XXXX, over the phone to XXXX XXXX XXXX XXXX. That same day i made another {$200.00} payment with visa gift card XXXX also over the phone. On XX/XX/XXXX {$110.00} was automatically taken out direct from a bank account for my regular monthly payment. 
On XX/XX/XXXX at XXXX XXXX I was charged an additional {$200.00} to my XXXX XXXX debit card XXXX, and without authorization the card was ran and the funds processed leaving my account in the negative. I contacted the financial company and they denied having any knowledge of the double charge and attempted to blame the XXXX XXXX  card company and advised to to confront them on my missing money and the overdraft/ double charge. After contacting XXXX XXXX  support, they sent me the billing statement showing that XXXX XXXX XXXX charged my card without consent for an extra {$200.00} and received the money they claimed was not in their possession and they had no record of. all billing statements and proof will be attached.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I noticed that my cut off time to pay bill is XXXX XXXX EASTERN time. I live in Central time zone NOT eastern so why is my bill stating eastern business times? i also noticed that the cut off time is XXXX XXXX however, it states that is for mail in payments specifically. I NEVER mail in payments nor is a time given on my statement for any other means of making payments. This is probably why my credit limit was decreased and why i got late payments fees. This is an unethical way of doing business. How are these types of companies allowed to do business in this manner? This has also been reflected on my credit.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

In XXXX of 2019 XXXX XXXX credit card through comenity bank notified me that the account was closed and I was no longer responsible due to fraudulent charges. In XXXX I received a notice that a payment was due, I can not access the account and when I try to contact them I am advised there is a payment due and no further information can be given. I haven't received any type of statements or notices regarding the account, this is illegal and unfair billing practices according to MD law.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with Transunion and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a Transunion  alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX Auto Loan account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XX/XX/XXXX. 
XXXX XXXX implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with XXXX. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with XXXX Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XX/XX/XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, Transunion and XXXX. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Respectfully XXXX XXXX are supporting our XXXX XXXX and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is XXXX XXXX violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Consumer complaint received 2022-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a credit line with XXXX XXXX. It was suddenly reduced from XXXX to XXXX because XXXX Bank punished me for not having information it never asked me to provide in the first place. I called XXXX Bank to dispute but was directed to TransUnion. XXXX Bank said it would return the credit line if it received notification from TransUnion.TransUnion did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.
Consumer complaint received 2019-03-05
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. (VA)

I am writing regarding my XXXX XXXX XXXX XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a XXXX XXXX XXXX military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. XXXX XXXX XXXX made no attempts to contact me. I previously tried to download the XXXX on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

XXXX XXXX XXXX reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact XXXX XXXX XXXX and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

I am a victim of identity theft. 

I received a debt collection letter from Transworld Systems Inc. dated XX/XX/2024. 
It stated I owed {$680.00} to XXXX XXXX. I am in the process of disputing this claim. 

During my review of my credit report, Transworld Systems Inc. placed a Potentially Negative charge on my credit report. The amount owed is {$480.00}. I was informed that this amount was owed to XXXX XXXX XXXX. 

At no time did I receive any communication from Transworld Systems Inc. regarding this debt, which is not mine. The charge was placed this on my credit report without any notice and without the opportunity to dispute this charge.
Consumer complaint received 2017-07-30
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( AES ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Consumer complaint received 2017-07-30
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XXXX XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Consumer complaint received 2017-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a number of inquiries that I did n't authorize.. I have made a number of calls to Trans Union explaining I was a victim of Fraud and it has affected my credit and tax returns. Trans Union refuses to help. The following inquiries are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AZ)

I applied for and was granted a loan modification in XX/XX/XXXX. I was XXXX years old and XXXX and on social security my husband was unemployed and his unemployment had ran out. I am now XXXX years old, my husband is still not working due XXXX XXXX XXXX and XXXX. My family has been helping us keep the mortgage current but they are slowly stepping away. I do n't want to lose my house. I have fought for this house for so long. I will find a way to keep to my payments current. The mortgage company told me on XX/XX/XXXX, I qualified for the HARP Program I spoke to XXXX XXXX at Ditech Financial XXXX ext. XXXX. He told me in detail that I would received {$5000.00} off of my principal on XX/XX/XXXX and every year after that I would receive {$1000.00} off my principal until the 6th year. then I would receive another {$5000.00}. and so for and so on for the life of the loan. I was also told this by other parties that work for the company. But I get a call in XX/XX/XXXX from XXXX XXXX now stating that I will only be getting a one time {$5000.00} off the principal. I feel like this company is trying to take advantage of the elderly. We have already been taken advantage of by XXXX XXXX XXXX. Now this company to! Because it was explained in detail how the program is suppose to work I feel like something is wrong. Because now he is telling me that they are putting me in another program. It is called Pay for
Performance. What Performance! I have been struggling to pay!! Are they telling me one t
hing and doing another and pocketing the other money? It just does n't feel right! Please investigate  this process!