davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (PA)

Please note I'm redoing this complaint, called to canceled the orginal one # XXXX because I didn't have proper documents attached. 
I recieved a call from a medical debt collector asking for me to make an immediate payment of {$310.00} over the phone. I suspected this to be a scam and asked if they would mail me documentation and if it truly was mine then I'd make payment. The woman told me I would not get anything by mail and demanded payment. I continued to question the legitimacy and she hung up on me. I still to date have not received anything by mail or proof of this medical bill belonging to me. This phone conversation took place on XX/XX/20 at XXXX. If this is a real collector that call should have been recorded & this information can be verified.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by XXXX XXXX Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from XXXX XXXX to XXXX Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXXXX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

I received a notice that Wakefield and Associated was collecting a debt for XXXX XXXX in late XX/XX/XXXX. The medical debt was invoiced and paid in XX/XX/XXXX so I sent proof of payment along with a debt dispute letter and a request for debt validation within 30 days of receipt of my first notice from Wakefield & Associated. Tracking shows it was picked up from the post office in XXXX XXXX, CO on XX/XX/XXXX. As of today, XX/XX/XXXX, I still have not received debt validation. I have, however, been contacted via my cell phone on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wrote a letter requesting communication only in the form of letters and provided my address. This letter was received by Wakefield & Associated on XX/XX/XXXX. Therefore, the XX/XX/XXXX call was a violation of my rights under the Fair Debt Collection Practices Act. I am attaching documents showing the call from a Wakefield associate today, XX/XX/XXXX, and tracking information showing they received my letter that asked I not be contacted again via telephone.
Consumer complaint received 2021-11-01
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. (NY)

I, XX/XX/XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that not giving consent is the same as committing identity theft : XXXX XXXX Card
Consumer complaint received 2018-06-19
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)

XXXX, XXXX and Transunion all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, XXXX or Transunion have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.
Consumer complaint received 2020-04-30
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: AMERICAN EXPRESS COMPANY (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE SEE THE DOCUMENTS BELOW. PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED WITHIN XXXX  DAYS. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS HAVE BEEN DELETED FROM MY XXXX AND XXXX CREDIT REPORT PLEASE FOLLOW.
Consumer complaint received 2021-01-21
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. (NJ)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

Last year, for weeks I received calls twice a day from a company trying to collect on a XXXX debt. I have never had an account or any dealings with XXXX. I eventually recorded the conversation, told them the debt isn't mine and to stop calling. 

Today, I received another call from a collections agency regarding this XXXX debt, which isn't mine. They spoofed the call to make it appear to be local. 

They said they were with Jefferson Capital Systems in Minnesota and wanted to collect on the debt. I recorded the conversation, told them it isn't my debt, and they asked for four digits of my social to prove that it isn't my account. I refused to do that, as this company should be required to prove this is my debt ( which there is no proof of, because it isn't my account ). I shouldn't be required to prove it was never mine by sharing my social security number with a company that obviously has unethical and predatory collection practices.
Consumer complaint received 2018-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (TX)

Unfortunately the account went to charge off status. When we agreed on a repayment that fit into my budget that is when this company started to report on my credit as if the account is still open but with a charge off status. The delinquent amount picked up where we fell behind and grows every month by the difference of my current payment and the payment when the account was open. I contacted the company asking about it and was told it wasn't them that it was my credit monitoring company doing that. I have my credit summary showing that every month they report.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (FL)

On XX/XX/2020 XXXX  removed my legal name from it's records as well as my lawful social security number in favor of a fraudulent debtor who did not have my correct name or proper signature on an unsolicited agreement. I am dissatisfied with their lack of neutrality or common sense when dealing with my identity. They seem to unjustly prefer the creditors claims over consumer claims even when confronted with fraud. For the record I provided them with a photo copy of my social security card and fl id with my full and legal name. They allowed a debtor to ruin my life with a false claim and illegitimate claims lacking my name or signature.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC (CO)

A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. 

The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. 

We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. 

They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NC)

ABOUT XX/XX/XXXX WELLS FARGO BANK OFFERT ME A BUSSINES REVOLVING CREDIT CARD TO MAKE PURCHASE FOR MY STORE. I ACCEPTED, AT THAT TIME I WAS USING MY PERSONAL ACCOUNT AT WF BANK, SO I BEGAN USING THE CREDIT CARD PROVIDED BY W. F. BANK IN XX/XX/XXXX. I MADE AN {$8000.00} PURCHASE AT XXXX XXXX # XXXX, AFTER THIS FIRST PURCHASE I MAKE THREE MORE PURCHASES, XX/XX/XXXX, {$6000.00}, XX/XX/XXXX {$3700.00}, XX/XX/XXXX {$2900.00} AND {$76.00} IN SMALL PURCHASES, THE CHARGES AMOUNT TO {$29000.00}. I WANT TO OBSERVE THAT I ONLY USED THE CARD TO PAY TO XXXX XXXX. I PAID THE TOTAL AMOUNT OF THE PURCHASEON THE FOLLOWING WAY.XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX, XX/XX/XXXX {$2000.00}. C. RECEIPT XXXX, XX/XX/XXXX CHECK # XXXX.FOR {$6500.00}, XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX XXXX. XX/XX/XXXX {$5000.00} CHECK XXXX, XX/XX/XXXX {$4000.00}. CASH RECEIPT XXXX XXXX, XX/XX/XXXX {$5000.00}. CHECK XXXX, AND XX/XX/XXXX {$380.00}. CHECK XXXX. SO I PAID AN AMOUNT OF {$32000.00}, INSTEAD {$29000.00} OVERPAING THE ACCOUNT ON {$3600.00} AND THE BANK DOES NOT WANT TO REFUND OVERPAID.AMOUNTOF {$3600.00} AND BY MANIPULATION OF THE NUMBERS THE BANK DENIED THE PAYMENT..
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Somehow I was charged for Transunion service when clicking through a link for a FREE credit dispute service. There was no cart, receipt, or bill of any kind shown before being charged. I only noticed because I was sent a receipt to my email. I was simply trying to create an account.
Consumer complaint received 2023-02-07
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. (GA)

Why are you indicating that XXXX XXXX # XXXX has no date closed? how is this possible? You also show a blank date of last payment. How is this accurate? In addition why are you showing no date closed? You also show that I was XXXX days late in XX/XX/2021, but show no payment history before or after this month. This can't possibly be accurate or make logical sense. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to XXXX XXXX XXXX ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am a small business owner whom has a bank account @ several banks. I have received confirmation from the IRS about an overpayment for the first quarter of the XXXX - XXXX XXXX XXXX. I received checks from the IRS as the letter stated. I was very excited and relieved because my business really suffered during the pandemic.To make a long story short I made a bank deposit into my business account with fifth Third Bank. I have been an account holder for a while. Fifth Third bank placed a 30 day hold on the check to make sure everything is good .The check was approved and cleared. within XXXX days later. my business account was shut down without any communication. The bank associate withdrew every bank wire I sent for business out of people account that work for my business or did a service. The account was flagged as fraud for no reason other than i'm XXXX and not entitled to have a balance this large in my bank account. 
My business has been affected and this is causing me stress. There were no straight answers given as to why transactions were being done on my account without my consent and knowledge to verify anything. I never authorized anyone to access my account to start moving around money and withdrawing wire transfers. I didn't owe the bank any money, there were no outstanding debts so I don't know if the bank earned interest and shut down my account or covered a huge loan and shut down my account giving them time to replace a business transaction from themselves. they told me the IRS requested it. This Morning XXXX XXXX XXXX number XXXX said the IRS didn't request anything and there are no letters sent out since the overpayment letter sent on XX/XX/year>. The IRS agent stated to call the bank back and discuss it with them because the IRS isn't requesting anything back. I would have received a collection notice. Fifth Third has failed in all areas of good banking practice, confidentiality, privacy act. etc. This bank has my money insured under FDIC. I believe fifth Third stole my money. I don ; t know if its for insurance purposes. Where is the money that was in my account. I see alot of BBB complaints from XXXX people with these same issues. I do believe it's XXXX profiling.